23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V/ GRAVENS ( MO ) 281 SW 715, 719, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE AND SUCH DEBT, IN FACT EXISTS/ FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Mortgage

I hired a solar contractor to install and setup my solar system back in XX/XX/XXXX They arranged the financing through GreenSky. GreenSky approved me without question for a twenty year loan at XXXX which is a good rate and the processing was seemed normal. 

The unusual thing about the loan is the contractor could withdraw the funds when the job was complete, or so I was told. I never signed anything allowing them to do that in advance. The contractor reassured me in an email that they would not charge me anything until the job was done. They did n't want a deposit either. The bank gave me one document that states that I am NOT responsible for any money charged that I did not authorize which I did not, neither orally or written. 

My solar system is not working or should I say the installation is not complete still today. The electric company and city where I live are coming onXX/XX/XXXX to finalize the installation and approve it providing that the contractor completes all of the required documentation. 

But on XX/XX/XXXX, the contractor withdrew the entire amount of the job from my bank account with GreenSky!!! I was blown away. I emailed the bank several times ( they have a special group to solve issues ) without success. The bank was supposed to have the money put back in my account onXX/XX/XXXX and the contractor agreed to do that in an email, but it 's still not there ( shows that I owe it but no payments due as of today ). I can give you all of the documentation you need. 

The bank told me in the last email that the contractor will make the payments. I told the bank that I did n't authorize the transfer of funds, and therefore I 'm not liable per their documentation. 

I 've asked for the financial documentation but no one has sent me anything other than the original documents that I signed having to do with the contractor. The bank has sent me nothing. I also told the bank that if the contractor gave them a signed document authorizing the transfer, then they forged my signature. 

I 'm submitting a complaint to the BBB ( both against the bank and the contractor ) and the Contractors State License Board of California later today. 

Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below has violated 15 U.S.C 1681, section A. states I have the right to privacy, U.S.C 1681, section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my instructions.

15 U.S.C. 1681c ( aX5 ) section States : no consumer reporting agency may make any consumer report containing any of items of information Any other adverse items or information, other than records of convictions of crimes which antedates to more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency person knows or has reason to cause to believe that the information is inaccurate.

The accounts below violate my right to privacy, and were reported to the consumer without my instructions, they also contain adverse information. 
XXXX ). XXXX ACCT # XXXX, XXXX ). XXXX ACCT # XXXX XXXX ). XXXX ACCT # XXXX XXXX ). XXXX XXXX ACCT # XXXX XXXX ). XXXX XXXX ACCT # XXXX XXXX ). XXXX OF XXXX ACCT # XXXX XXXX ). XXXX ACCT # XXXX XXXX ). XXXX XXXX ACCT # XXXX XXXX ). XXXX XXXX ACCT # XXXX XXXX ). XXXX XXXX  acct # XXXX ( XXXX  ) XXXX ). XXXX XXXX acct # XXXX XXXX  XXXX  XXXX ). XXXX XXXX  acct # XXXX XXXX  XXXX ). XXXX XXXX  acct # XXXX XXXX  XXXX  XXXX ). XXXX XXXX  acct # XXXX XXXX XXXX  XXXX XXXX  XXXX ). XXXX XXXX acct # XXXX XXXX  XXXX  XXXX ). XXXX XXXX acct # XXXX **** XXXX  XXXX ). XXXX  acct # XXXX XXXX ). XXXX XXXX acct # XXXX XXXX ). office of the attorney general ( child support ) more than 7 years and paid Acct # XXXX, been on report over 11 years inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus XXXX and Equifax stated that my account with XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX ) Account # XXXX has been properly investigated, but with further investigation by my part by obtaining a detailed credit report I have found inaccurate information reported. Collections inaccurate, Account type ( details ) inaccurate, Number of month ( terms ) inaccurate, High credit inaccurate, Payment status inaccurate, Last reported date inaccurate, Comments inaccurate, Date last active inaccurate, and also Last date of payment inaccurate. Also the reporting Originator Creditor name are not matching as well. In review of my consumer credit report I have noticed that there are multiple inaccuracies reported wich are violations of my rights under 15 USC 1681 SEC 602 ( a ), 15 USC 1681 SEC 604 SEC ( 2 ), 15 USC 1681 SEC ( 623 ), 15 USC 1681 SEC 611 ( a ), 15 USC 1681 Sec ( 2 ) ( 8 ) ( e ) 15 USC 1681 ( 5 ) ( a ) 15 USC 1681 602 A, 15 USC 1681 604 A. I have never gave permission written nor verbal for any information to be provided from or by any entity for any purposes. Under 15 USC 1681n ( a ) ( 1 ). Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} shall be awarded per violation. I want {$1000.00} per violation for actual and statutory damages as well removal of account from my consumer credit report by all reporting bureaus.
Product: Checking or savings account

Several Overdraft fees of {$35.00} each. Bank of America. Also charging fees of up to {$8.00} to see my balance on the atm when the mobile app was down.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX Account # XXXX Balance : {$140.00} I am writing to file a formal complaint against TransUnion, XXXX, and XXXX regarding inaccurate and unverified information on my credit report. Pursuant to the provisions of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], it is imperative that the information reported by credit bureaus be accurate, verifiable, and fair. Additionally, I bring to your attention the relevant laws of the State of Florida, particularly the Consumer Collection Practices Act ( FCCPA ) [ Florida Statutes XXXX ], which outlines stringent regulations concerning debt collection practices and the obligation of creditors to provide documentation verifying debts upon request. 

Despite numerous attempts and disputes, I have not received proper documentation or verification from either the debt collector or any of the aforementioned credit bureaus regarding the disputed account. This lack of verification is a blatant violation of my rights under both federal and state law. The inclusion of this inaccurate account on my credit report has had severe repercussions on my financial standing and has detrimentally impacted various aspects of my life, including but not limited to, my ability to secure favorable lending terms, obtain housing, and access other essential services. 

Therefore, I demand that the inaccurate account be promptly removed from my credit report in accordance with the FCRA and the FCCPA. Failure to rectify this matter expeditiously will compel me to pursue all available legal remedies to seek redress for the damages incurred as a result of the credit bureaus ' non-compliance with statutory requirements. 

I trust that you will treat this matter with the seriousness and urgency it warrants and take immediate action to rectify the inaccuracies on my credit report. I look forward to receiving confirmation of the removal of the disputed account immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I called USAA and spoke with a card services expert. I have a credit card with them that started off as a promotional 0 % period and then went to regular floating interest. I have balances that are at 0 % and 12 %. The women on the phone read from a script that described their payment hierarchy, and she stated that payments are applied to the lower interest balances first and then applied to the higher interest balance. Her solution for me was to pay off the $ XXXX in 0 % balance first and then I could pay off the $ XXXX in 12 % balance. It is my understanding that this is in direct violation of the Credit Card Act of 2009. I have made several payments larger than the $ XXXX balance, and could not understand why I was still being charged interest.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I called and reported to XXXX XXXX and EXPERIAN that my identity may have been stolen because there were accounts that I did not own that were on my consumer report after alerting all three credit reporting companies about this matter they started a reinvestigation as I had already disputed these accounts as well as need XXXX to update my current address and delete inquires that were not mine as well I filed a report with the Federal Trade Comission as I was told to do by agents of all three credit reporting companies XXXX XXXX and EXPERIAN all threee agents told this was the ONLY way to update my address and delete the fraudulent inquires on my consumer report
Product: Checking or savings account

I went to withdraw my last XXXX that was left from my taxes in my account and was told my account was closed this happened on XX/XX/XXXX was told for suspicion of fraud then was told my funds will be mailed to me I didnt do any fraud went in bank to withdraw money few days later fraud alerts its now XX/XX/XXXX and no check I keep being given the run around I have went homeless due for me being due on my rent and that was my money to pay it and yeah i dont know what to do any longer
Product: Vehicle loan or lease

I purchased a car from US Auto sales in XXXX Ga in XX/XX/XXXX. Was making my payment until XX/XX/XXXX I went on the link to pay online and the link did not work. I went to the website and it did not work. I could not get in touch with them so I checked my email to see if I had missed anything. The only correspondence on the matter was them denying the closure of the dealership stating that it was only temporary. That email was sent in XXXX but either I missed it or it was in junk mail. I started getting calls from Westlake Portfolio management requesting payments on the vehicle. I had no idea who they were as I did not buy my car from them and had no agreements with them. I asked for them to send me something official like a new contract. They would only send a bill and said there was no new contract. I felt there has to be a new agreement for me to sign if I am to now pay them. I logged into a link they sent me for the account. The balance was wrong, there was no past payment history and they are adding daily interest onto the loan which already includes interest and a service agreement they say they can't honor nor will they take off that amount. They are not lien holders on my vehicle says the dmv. They have repossessed my vehicle and sent me a letter saying that I broke the agreement and they are selling the car. If they don't make enough to cover the amount owed, they say I will still owe the remainder. I feel the whole situation is wrong. I never entered into an agreement with Westlake. The terms of my US Auto contract was not the same as Westlake. The starting balance on my vehicle according to my credit report was {$19000.00}. I paid {$200.00} every two weeks from XXXX XXXXand they said my balance is still over $ XXXX does not add up. My complaint is with US Auto Sales and Westlake Portfolio Management. After they picked up my car they gave my husband and I both wrong phone numbers to the tow company so we could get our personal belongings out of the car. I had to call the police department and they gave me the number to the tow company and I am now able to pick up my things.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts nor did I live at any of these addresses.
Product: Debt collection

DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies violated my consumer rights by furnishing this information to my credit report without my knowledge or consent which is identity theft identified by 18 USC 1028A. They violated the privacy act of 1974 by sharing information such as my SSN which belongs to the SSA. And trying to collect on a debt which is an obligation of the United States as per 18 USC 8 which also makes them guilty of the False Claims Act. 
The companies Include : XXXX XXXX XXXX through XXXX XXXX XXXX Account opened : XX/XX/XXXX Amount : {$310.00} XXXX XXXX XXXXXXXX XXXX through XXXX XXXX XXXX Account Opened : XX/XX/XXXX Amount : {$7400.00}
Product: Vehicle loan or lease

The car loan from Wells Fargo. We were never disclosed the interest rate, we were constantly told its only XXXX $ and not told it was 8 % a very high percentage for co-signed loan with credit score above XXXX even though asked multiple times. They kept telling us that it would be nothing big and will be similar to people with similar credit but 8 % is definitely not right. 

I called them and asked if they will reconsider lowering the percentage as we were fooled and would never would have signed such a high percentage if we knew about it. Most companies have 0 % apr on new car but we didnt get it.
Product: Checking or savings account

I strongly believe Wells Fargo is running an illegal operation. I cash my check every Friday. They allow some funds and then the very next day they put my account negative, place a 10 day hold on my check and then charge me overdrafts and all kinds of different fees. For something they did. Which in my opinion should be illegal. You guys are ruining my life, starving my family, and running me bank rupt. Either tell me the check can not be cashed at this time or give me my money. You can't hold somebody's money every Friday for an additional 2 weeks. I understand denying somebody the funds but placing a hold for that amount of time is extremely excessive. Like I said you should deny these checks So people can go to there employer and get a new one or cash it directly at there bank. Pretty simple right?? 

Instead they intend to stunt everyone 's growth and hold everyone 's money. It is a corrupt business tactic along with all the fees and overdrafts they apply after they are the ones who made your account negative in the first place. 

You have the right to deny fund availability, but you do not have the right to hold somebody's money for 10 days. 

If you do not want to cash the check, then point your clients in the direction that they can. ( Talk to your employer, try cashing it at there bank, XXXX, other check cashing places ) Do not hold there check and not allow them any other solutions, as if they are the dictator over me or my employers account. 

I believe they are breaking the law. Please share- very frustrated Wells Fargo client.
Product: Credit reporting or other personal consumer reports

i was checking my credit report and i noticied severals accounts thats not my
Product: Debt collection

I lost my purse with all of my personal items including my phone in the middle of XXXX, shortly after I started receiving calls and emails about accounts and payments that are not mines. I received emails saying my information was listed on the XXXX XXXX I reported the theft and the accounts popping up.
Product: Checking or savings account

XXXX XXXXXXXX XXXX XXXX 
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

I want the CFPB to publish this
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX ; XXXX XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove the inquires XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX+ Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Product: Credit card or prepaid card

i did not apply for this card please Take this inquiry off
Product: Debt collection

Sallie Mae is contacting me up to 12 times a day. Contacting family and friends to try to get information about me, telling them that I gave them their contact information. ( Which never happened ) I have several people calling me asking why I gave their information out.