23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXXXXXX  XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXXXXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
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 Account XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX 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

I had a student loan with XXXX for this school year. According to the XXXX database the school was paid and I am paying XXXX back which the account is current. XXXX is charging me for the same amount they were paid from my student loan.
Product: Vehicle loan or lease

I have filed disputes beginning first week of XXXX with all three major credit bureaus as well as contacted the lender Credit Acceptance Corporation to no avail. All disputes were closed and the lender verified the incorrect data again after paying them over XXXX  dollars in one month to double up and pay my loan off early. I have reopened disputes again as well as shown documentation to the Credit agencies as well as opened complaints with this agency now on file as well. The loan company 's response is to put me on hold or hang up on me once denying my claim and asking for a supervisor. Never ever again will I do business with Credit Acceptance Corporation and this is a very hard loan that is designed for failure from the start your paying three times the amount of the vehicle after a 6 year term. I just got out from being triple upside down on the loan and they refuse to acknowledge my greatness at beating them at there game.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX Acct # XXXX ( Opened XXXX ) XXXX XXXX Acct # XXXX ( Opened XXXX XXXX XXXX  Acct # XXXX ( Opened XXXX ) XXXX Acct # XXXX ( Opened XXXX ) XXXX Acct # XXXX ( Opened XXXX ) XXXX Acct # XXXX ( Opened XXXX XXXX XXXX  Acct # XXXX ( Opened XXXX ) XXXX ( OPENED XXXX ) has violated my rights. 

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 an 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: Debt collection

Sent a letter to Synchrony Bank XXXX XXXX XXXX  XXXX letting them know that XXXX XXXX is XXXX years old, unable to walk or travel due to failing health. She suffers from a XXXX XXXX and XXXX with XXXX XXXX in the right hand. In 2020, XXXX XXXX XXXX XXXX XXXX due to a fall. XXXX XXXX is only receiving social security and she is unable to pay any debt. This letter was ignored and no one responded to her/our letter. I am XXXX XXXX, her niece and I assist her with any correspondence. I can be reached at XXXX. 

Thank you.
Product: Payday loan, title loan, or personal loan

OnXXXX XXXX I had got a loan from them and I was approved {$500.00} but I been making payments, but its saying that I owe them almost {$3000.00} which is too much and I been trying to call them and tell them that I cant afford that right now because I should just be paying the {$500.00} I had got approved for not {$3000.00} thats not what I got approved for so they tried to scam my mother with this same issue she only got approved for almost {$300.00} then they wanted her to pay {$1500.00} for an installment loan so I want to cancel this loan and get my money back because this is ridiculous I cant afford this loan right now.
Product: Debt or credit management

Used Lexington law firm XXXX for credit repaid nothing was done and they were paid faithfully monthly
Product: Student loan

I was previously serviced by XXXX. I was on auto-pay at all times up until the COVID-19 repayment pause. During the COVID-19 repayment pause, the loans were transferred to MOHELA to be serviced. My auto-pay history shows payments in Between XX/XX/XXXX and XX/XX/XXXX, every month like clockwork. But for some reason MOHELA removed me from Autopay thereafter. As soon as the repayment pause stopped, I signed back up for Auto-pay, which continued until I was notified on XX/XX/XXXX, that the repayment scheduled had changed, and again I made sure that auto-pay was scheduled for the next payment date, to begin on XX/XX/XXXX. For whatever reason, Mohela did not auto-debit my account and I received a delinquency notice on XX/XX/XXXX, at which time I paid not only the arrearage but also the next payment and against signed up for Auto-Pay. Again on XX/XX/XXXX, I got a delinquency notice, at which time I again paid the overdue amount and again. This one was especially difficult to take care of since the website wouldn't even allow me to make a payment because it says all payments current. I asked for them to contact me and no one did. I paid XXXX 's on XX/XX/XXXX after getting a past-due notice because Mohela again failed to auto-debit in on the XXXX, and made another complaint on XX/XX/XXXX. On XX/XX/XXXX I got a message saying that they had tried to reach me which is inaccurate. I am still waiting on contact from anyone at MOHELA. I call, but the wait time when I call is always over 2.5 hours. Every time the auto-pay doesn't take, I go online and resubmit the auto-pay information, it says that I am all set and the account will be auto-debited, and then it is not. This has been going on every month since inception and I can not get anyone on the phone. I keep getting messages that says I have missed a payment, and now I am advised that my credit score will be impacted - and it is apparent that I am not receiving credit for the interest reduction associated with being on auto-pay. The most recent instance has occurred on XX/XX/XXXX. Again, no auto-debit, causing my loans to be labeled as past due. So i just made a payment manually, again. And because they are past due, I can not just pay XXXX 's amount ( approx. XXXX ), it makes me pay all amounts due for XXXX and XX/XX/XXXX ( because I can not auto-allocate payments ) and this is very difficult because I am unemployed at the moment. Now the amounts of the auto-debit authorization DIFFER from my repayment plan ( as they now want {$1000.00} per month. My loan repayment should be {$81000.00} until at least XXXX according to the XX/XX/XXXX notice of change to my repayment plan ( which I did not request and MOHELA did unilaterally. ). PLEASE HELP.
Product: Payday loan, title loan, personal loan, or advance loan

My payments are not being credited properly, I dont see them reflecting on the website and I have proof, I was also told that they would settle this for around XXXX but then told something different recently by another rep asking me to pay {$14000.00} which is more more than I borrowed given all the payments I have made. Please forgive the loan completely as I am tired of dealing with this company and paying this high interest loan which at this point they are just making a profit. I have had many issues with this company and their reps giving false and misleading information which I am now looking into getting legal counsel for potential lawsuit because of this and I have recorded calls as evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to have any items that you are furnishing deleted from your company 's database because you are reporting information inaccurately as well as incorrectly and without my written consent to do so which is actually labeled as Aggravated Identity Fraud and a violation of my rights which is punishable by state and federal law. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.
Product: Credit reporting or other personal consumer reports

Please remove all inquiries these are unauthorized and aren't mine. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Found a vehicle for sale online and was told thru the website to transfer money for the selling price to a Bank of America account in XXXX, XXXX 
Shortly after providing proof of the transfer, the website was no longer available. When I contacted Bank of America and requested help with the recovery of funds, I was told that it was a voluntary transfer and there was little they could do. I filed a claim with the banks fraud department but haven't had any replies to my calls. Have filed a police report with my XXXX XXXX police as well as the FTC.
Product: Debt collection

XX/XX/2019 there was a payment made to XXXX XXXX And there are still ongoing payments for XXXX All listed below I’ve attached receipts and payment screenshots.
Product: Credit reporting or other personal consumer reports

I submitted multiple disputes and identity theft documentation to TransUnion regarding inaccurate and unverifiable accounts appearing on my consumer report. Despite my efforts, including filing multiple complaints with the CFPB ( Case # XXXX ), ( Case # XXXX ), and Case ( # XXXX ), these issues remain unresolved. -- - The accounts in question include : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX. 

-- These accounts were either included without my written consent or are related to identity theft. Despite submitting proper documentation, TransUnion has failed to remove or verify these accounts. -- Actions I took : - Submitted formal disputes to TransUnion. 
- Provided identity theft documentation as required under 15 U.S. Code 1681c-2. 
- Filed multiple CFPB complaints. 
- Sent a formal demand letter detailing the violations and requested arbitration. 

Actions the company took : - TransUnion failed to block or remove the disputed accounts, despite the documentation I provided for identity theft. 
- The company continues to report adverse information on my consumer file, violating multiple provisions of the Fair Credit Reporting Act ( FCRA ). 

Harm caused : - The continued presence of these inaccurate accounts has harmed my creditworthiness, causing financial loss, emotional distress, and lost financial opportunities.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is an account that i paid in full, was settle in full as the letter saidI formally request that the following inaccurate items be immediately XXXX must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.I understand that failure to investigate these accounts within a period of XXXX days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
Product: Checking or savings account

I was with Wellsfargo since XXXX and they charge me so much on bank fees and overdraft fees even though I made cash deposit first and I called the bank and they said they cant give my money back because they said cash deposit has a holding time. Im sick and tired about their lies so I want to leave.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and inconsistent reporting of the XXXX XXXX XXXX account # XXXX on my credit report. The information provided by the XXXX major credit bureaus contains discrepancies that are misleading and damaging to my credit profile. Below are the details of the inconsistencies : High Credit : XXXX : {$32000.00} TransUnion : {$32000.00} XXXX : {$0.00} Last Active Date : XXXX : XXXX XXXX : XXXX TransUnion : XXXX Charge-Off Status : Reported as a charge-off by all three bureaus. 
Late Payment Status : XXXX : Was 30 Days Late 1 Time, Was 60 Days Late 2 Times, Was 90 Days Late 1 Time. 
XXXX : Was 30 Days Late 1 Time, Was 60 Days Late 2 Times, Was 90 Days Late 21 Times. 
TransUnion : No late payment status reported. 

These discrepancies violate my rights under federal law and must be corrected immediately. 

Violations of the Fair Credit Reporting Act ( FCRA ) : The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), requires credit reporting agencies to maintain the maximum possible accuracy of the information they report. The conflicting data on high credit, last active dates, and late payment status across the three credit bureaus clearly violates this provision. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) mandates that furnishers of information report accurate data, which has not been done in this case. 

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The inaccurate reporting of late payments and charge-off status, especially with such significant discrepancies, may also constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of any debt. The inconsistencies may also violate 15 U.S.C. 1692f, which forbids unfair or unconscionable means to collect or attempt to collect a debt.

Metro 2 Compliance Issues : The Metro 2 format, which is the industry standard for credit reporting, requires consistent and accurate reporting of account information. The discrepancies in high credit, last active dates, and payment statuses across the bureaus indicate non-compliance with Metro 2 guidelines, further warranting the removal of this account. 

Request for Immediate Action : In light of these violations and non-compliance issues, I am requesting the immediate removal of the XXXX XXXX XXXX account # XXXX from my credit report with all three credit bureaus. Additionally, I request that you provide me with an updated copy of my credit report reflecting this correction.
Product: Debt collection

Response to CFPB Complaints Regarding XXXX XXXX XXXX, XXXX XXXX XXXX, and Yamaha On XX/XX/XXXX, I submitted CFPB Complaint ID XXXX, requesting the original agreement from Yamaha Motor Finance Corporation , USA ( `` Yamaha '' ). Despite a billing error with the original creditor, XXXX XXXX ( " XXXX '' ), and Yamaha, you have failed to provide the requested documents or address this issue. 

In CFPB Complaint ID XXXX, XXXX XXXX XXXX. ( " XXXX '' ) failed to prove ownership of the alleged debt. I dispute any and all debts claimed to be owed. Under 15 U.S.C. 1692g ( b ), collection activities must cease unless you produce definitive proof of ownership, including the full chain of title and purchase agreement. Failure to do so demonstrates a lack of standing and constitutes violations of the FDCPA and FCCPA. 

Additionally, XXXX XXXX, as a lawyer with your firm, qualifies as a debt collector under XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ). He and all other parties involved will be held accountable for willful violations of the law. 

Without the chain of title, as confirmed in XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX. XXXX ), you lack legal standing to enforce this debt. Your actions are causing ongoing harm and distress. 

Failure to provide the requested documents will confirm your agreement for me to pursue legal action against all parties involved. 

Sincerely, XXXX XXXX All Rights Reserved Without Prejudice, UCC 1-308
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a critical matter regarding unauthorized accounts on my consumer report which is a violation of 15 use 1602 and 15 use 1681c-2. After review of my consumer report i have discovered accounts that were added without my consent of the submission of a SSA-89 form. The following accounts need to be removed ASAP XXXX XXXX XXXX XXXX XXXX {$92.00} open XXXX, XXXX XXXX Account XXXX {$870.00} open XXXX, XXXX XXXX Account XXXX {$6600.00} open XXXXXXXX XXXX XXXX Account XXXX {$720.00} open XXXX, XXXX XXXX XXXX Account XXXX {$20000.00} open XXXX, XXXX XXXX XXXX XXXX XXXX {$200.00} open XXXX, XXXX acct XXXX {$6000.00} open XXXX, XXXX  Acct XXXX  {$150.00} open XXXX I wish to highlight that I have not signed any SSA-89 form, nor have I given written consent for any accounts to be attached to my consumer report. This is not an oversight on my end and I am aware of my rights under the mention statutes Please remove in 4 days I have also attached my documents
Product: Checking or savings account

To whom this may concern, I, XXXX XXXX, have encountered a great big mess of issues with chime or XXXX XXXX XXXX. As I started to log in to my account it then rejected me and said my account was closed. Although, I did all the necessary steps to find out why, the company could not give me a reason as to why my account had been closed. Also, my XXXX XXXX XXXX check was deposited this same morning only to find out I could not access my benefits. I've called and called and emailed them only to get no response! If you could help me find my money that would be great! I have believed that I have been a faithful chime customer and representative for them for quite awhile now. If you could help me out I would greatly appreciate it. Thanks, XXXX.
Product: Checking or savings account

On Saturday, XX/XX/2022 I discovered I could no longer access my Marcus Bank ( an online bank owned by Goldman Sachs ) account either via the app or online. There was a message instead that I should phone the company, with a 24/7 phone number and so I called. I was on the phone for more than an hour with being on hold and back and forth between the agent and other departments until the agent informed me I had to call back on the following day, Sunday, XX/XX/XXXX. I asked them if they had hours on Sunday and they assured me they did and so I called again on Sunday XX/XX/XXXX, After another hour or so of being on hold and back and forth they informed me that I had to be on a three way call with all of my other external banks so that they could verify my ownership of those accounts. Now I had been banking with Marcus for years and have had several banks that were external banks listed on my accounts, and I had had these accounts verified the normal way either through XXXX ( a secure login process ) or via the process of small deposits that required verification. Never in all my years of banking have I had logins frozen and not been able to get in, after a phone call to verify my identity. 
They told me on Sunday XX/XX/2022 that I needed to be on a 3-way phone call with each of my external banks to verify ownership. However I had been on the phone with them at that point for more than an hour and didn't have any more time to be on the phone so I ended the call and called back today XX/XX/2022 during normal business hours. I was still on the phone and on hold for more than an hour ( and I am still on the phone and on hold ) and so far have not been able to get into my account and to transfer my funds. I am hoping that they will be letting me in ( I'm in it for the long hall although I don't have much time left today and have been on for quite a while ) but at this point all I want is to get my money out of that bank as soon as possible and close my account. 
This is beyond unfair practice to a customer- to not have a process for telephone authentication sufficient to remove a lock on an account, and to have an unreasonable process for external bank verification as well. As soon as I get access I will remove my funds from this account but I think Marcus bank needs to be " punished '' in some way for their lack of responsiveness, so that they do not treat customers this way in the future.
Product: Credit card

I used an Apple card ( Marcus bank ) for a single large purchase and they have double entered the amount.
Product: Credit reporting or other personal consumer reports

US BNPT CT FL XXXX ( BANKRUPTCY XXXX XXXX-DISCHARGE ) XX/XX/2016 I PREVIOUSLY DISPUTED ( BANKRUPTCY XXXX DISCHARGE /REFERENCE XXXX XXXX AND YOU VERIFIED THE ITEM AS ACCURATE, STATING THAT YOU HAVE VERIFIED THE INFORMATION WITH THE COURT. 
I CONTACTED THE COURT AND THEIR RESPONSE IS ENCLOSED. 
IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER, THEREFORE, YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT IS AN ERROR OR A LIE. 
EITHER WAY, THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ) .AND THE INFORMATION MUST BE DELETED IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have fraudulent inquiries on my credit report from the following companies XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have tried multiple times to contact these creditors and Transunion regarding these fraudulent inquiries that have been made using my personal information. I would like for these fraudulent inquiries to be removed from my credit report immediately.