23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account name : XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX  XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX - XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXX XXXX XXXX Account # XXXX, Account name XXXX XXXX XXXX XXXX XXXX  Account # XXXX Account name XXXX XXXX XXXX XXXX Account # 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 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: Checking or savings account

I requested that my XXXX XXXX account, offered by BMTX and held at XXXX XXXX, be closed on XX/XX/XXXX. I received a response from the depository institution/marketer on XX/XX/XXXX, falsely dated XX/XX/XXXX. In their response the bank claimed to have initiated a discretionary closure based on suspicious activity. 

The last activity in the account were withdrawals on XXXX and XX/XX/XXXX leaving a XXXX balance. The withdrawals were made in advance of my request for account closure. Both transactions were processed by the bank without inquiry, refuting any claim that the bank found them suspicious.
Product: Money transfer, virtual currency, or money service

In XX/XX/year>, I was at XXXX XXXX XXXX  at XXXX XXXX, South Carolina. As a policy, XXXX XXXX XXXX  were not permitted to have their phones except on Sundays for XXXX minutes. One Sunday, I was given my phone and noticed I had notifications from Cash App. I saw transactions were withdrawn with small increments of {$50.00} up to {$200.00}. The largest withdrawal however was {$1200.00} totaling up to XXXX XXXX. I immediately notified my XXXX XXXX and arranged more allotted time to handle my financial predicament. In the next couple of days, I was given more time to call banks to resolve this matter. Cashapp however did not comply with my statements, even with provided evidence. it was a roundabout of useless messaging back and forth without any progress to resolve the matter. My bank reimbursed the money that was withdrawn from Cash App, however, Cash App charged my account with a negative amount my bank reimbursed. Cashapp eventually blocked my account and prevented me from logging in to see my information and the transactions taken out. I'm pretty sure it was logged on my credit as well.
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. 

Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, 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 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 or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXX CREDIT ACCOUNT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data.

My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter.

Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear WFC, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically Missouri Revised Statutes Chapter 570. 

It has unequivocally come to my attention that WFC has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law, specifically Chapter 570 of the Missouri Revised Statutes, emphasizes the necessity of consumer consent for credit reporting and establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for WFC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that WFC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state law. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that WFC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

We received a payment deferral for one payment in 2020 with Covid relief offered by Us Bank. They stated the amount due would just be collected at the end of the lease term. They are now claiming that is not the case and have showed the loan late when I made several payments. Then reported the payment as late to the credit bureaus.
Product: Credit reporting or other personal consumer reports

This XXXX XXXX card appears in my credit reports, specifically in Equifax. I've called the bank and the credit buros, several times, but no ones helps me. I've requested documents and never gets them. The card is from 2016, and appears as a Charge Off in my report. The account ends in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid account representative states the account would be deleted.
Product: Credit reporting or other personal consumer reports

I am not able to view my credit report thru experian.com. Account # XXXX. I have called many times without any resolution. This is hurting my ability to obtain accurate information regarding the status of my credit. Last update is XX/XX/XXXX.
Product: Debt collection

Looking at my credit report on XX/XX/XXXX I saw accounts in collections and I never gave any company the right to share my information whatsoever. One for {$37.00}, {$91.00} and {$290.00} which is listed on my credit report as account XXXX. I sent a letter to the agency on XX/XX/XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I do n't know this collection agency and have never received any information from them prior to my credit report being threatened with negative remarks. As a result they are in violation of the FCRA ( Fair Credit Reporting Act ), the FDCPA ( Fair Debt Collection Practices Act ) and HIPPA ( Health Insurance Portability and Accountability Act of 1996 ).
Product: Consumer Loan

I filed a case with CFPB on XXXX/XXXX/15 ( case number XXXX ) with Mariner Finance. The business stated in the complaint " Mariner Finance can confirm that XXXX XXXX 's account is paid in full and his paid document will be sent to him. '' I have received XXXX bills from this company stating money is still owed and to mail payment. I checked my credit reports and they are reporting to XXXX that I owe {$180.00} and they have been charging monthly late fees of {$30.00} per month. As promised in the prior case, they never sent me any documentation nor have I done any further business with this company yet they continue to charge me a monthly late fee and the first complaint stated they waived the final {$24.00} due as a good faith gesture so I do not understand where this {$180.00} came from when they stated account was closed and no money was owed.
Product: Student loan

XXXX I signed a consent form with XXXX XXXX/ Monterey Financial Services , XXXX XXXX Loans, not informed of what all this was really truly about. {$57.00} began coming out of my account each month beginning XXXX. 
-After figuring out that this was fraudulent, I tried to cancel the contract with XXXX XXXX Loans and was informed it was n't possible unless it was 10 days after I signed it. 
-I have many of emails stating I wanted to hear the voice recordings of where I gave my routing and account number/bank information, I never received such. 
-I also knew it was fraudulent because someone emailed me asking for my password. Which caused me to call my servicer, because I knew that was not correct. 
-My servicer informed me that it was fraudulent because this company made up a password and federal student aid account for me to fill out information on my behalf. 
-I am now doing the work myself, filling out all forms and submitting them myself without any help from anyone. 
-There is a stop payment on my account so no money will be taken out anymore. 
-My bank filed a complaint also. 
-Now I am being harassed with phone calls stating this matter will be given to collections. 
-but, I am confused of how if this is fraudulent activity.
Product: Student loan

My FFELP loans through Navient ( I have two consolidated loans through them ) continue to accrue interest. Im not able to see this on their website, but its being reported to the credit bureaus. I noticed that they are increasing my student loan principle by charging interest each month. This has happened for XXXX and XXXX and I assume they will continue doing this despite the interest freeze unless I file a complaint. 

I have no income right now and am on a income driven repayment program. I know that there is an interest freeze from the Biden administration, and it looks to me like Navient is ignoring this and just continuing to charge interest anyway.
Product: Credit card

on XX/XX/XXXX I miss keyed in a payment on the American Express AP for {$3300.00} in error ( I was trying to make a payment of XXXX ) my bank rejected the payment on XX/XX/XXXX as expected. I talked to American Express on XX/XX/XXXX asked them to cancel the {$3300.00} payment they informed me that the system will not allow them to cancel the payment once it has been submitted even though my bank rejected. they did say after a second attempt on XX/XX/XXXX which will also reject that the payment will automatically cancel. Makes not sense the service Rep should be able to cancel the rejected payment at any time.. this is a serious flaw within their system and is designed to collect fees on XX/XX/XXXX I did make the correct payment online for {$310.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I am writing to dispute the inclusion of bankruptcy information on my credit profile maintained by Innovis. Pursuant to 28 U.S.C. 1452, it is unlawful to obtain court records and use them to report bankruptcies on consumer credit reports.

According to federal law, bankruptcy records should not be used for the purposes of credit reporting, as outlined under 28 U.S.C. 1452. Therefore, I request the immediate removal of any bankruptcy-related information from my credit profile with Innovis -Case number : XXXX -Filing date : XX/XX/year> -Type of bankruptcy : XXXX XXXX XXXXCourt jurisdiction : XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to Section 605B of the Fair Credit Reporting Act ( FCRA ) gives consumers the right to request that credit reprting agencies ( CRAs ) block the reporting information on their credit report that was the result of identity THEFT. Because my information was disclose on the Data Breach : I have several fraudulent accounts that should be removed. 
XXXX. ) XXXX XXXX_Acct # : XXXX {$1200.00} XXXX. ) XXXX XXXX XXXX XXXXAcct # XXXX {$1000.00} XXXX. ) XXXX XXXX_Acct # : XXXX {$600.00} XXXX. ) XXXX XXXX # : XXXX {$1600.00} XXXX. ) XXXX XXXX XXXX_Acct # : XXXX {$46000.00} XXXX. ) XXXX XXXX Cont_Acct # : XXXX {$1200.00} XXXX. ) XXXX XXXX XXXX  # : XXXX {$1800.00} XXXX. ) XXXX  XXXX  XXXX  # : XXXX {$730.00} XXXX. ) XXXX XXXX XXXX  # XXXX {$7100.00} XXXX. ) XXXX XXXX XXXX  # : XXXX {$1500.00} XXXX. ) XXXX  XXXX  # : XXXX {$750.00} XXXX. ) XXXX XXXX XXXX {$2000.00} These accounts are due to the Data Breach, therefore they should be removed immediately from my consumer report. 15 U.S.C 1681... PROMOTES THE ACCURACY, FAIRNESS, AND PRIVACY OF PERSONAL INFORMATION ....
Product: Vehicle loan or lease

Mazda Financial Services reported me to collections stating that I was 30 days past due. They did the same thing from last year XXXX  which was a lie stating that i was late on a payment. I have proof from my bank. I now send cashier checks to them. They have reported to the credit bureaus that I am late on my account again from the month of XXXX which is untrue. I contacted my bank yesterday for verification purposes. They in fact sent me a copy of both of the cashier checks that In fact have been cashed. They are reporting inaccurate information which is affecting my credit score which is messing me up In a major way. This is my last warning to them to correct their wrong doings.
Product: Credit reporting or other personal consumer reports

Global lending services is reporting to my TransUnion report that is inaccurate. This is not reporting to my XXXX, which would be in violation of my rights as a consumer to have an accurate credit report.
Product: Debt collection

I have had three phone calls from the same ACS Education Service from XXXX, XXXX three days in a row. Each time, I verfied my identity. I attempted to call ACS in XXXX, XXXX, and they deny it and take no responsibility. I can prove otherwise by my phone log. Three calls, three days. What 's worse, I only have around {$100.00} left on the entirety of the loan. It 's ridiculous! AND ... they were trying to collect, at first, over {$200.00} and did n't have record of last month 's payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date Company Request Originator XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX WELLS FARGO FINANCIAL XXXX, IA XXXX XXXX XX/XX/XXXX WELLS FARGO FINANCIAL XXXX, IA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XX/XX/XXXX WELLS FARGO DEALER SERVICE XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX, NC XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXX, UT XXXX XXXX XX/XX/XXXX XXXX XXXX AL XXXX XX/XX/XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

Bank of America advertises very clearly : " 3 % cash back in the category of your choice : gas, ONLINE SHOPPING, dining, travel, drug stores, or home improvement/furnishings '' For the past 2 years I have been using my BofA mastercard for doing online shopping believing that I was receiving the 3 % advertised cash back reward for my online purchases. 

According to the XXXX XXXX : online shopping ( noun ) : the action or activity of buying goods or services via the internet. 

This is pretty clear and obvious. However, BofA has a slew of exceptions as to what it considers " online shopping '' For example, I ordered a set of contact lenses online. Through an online merchant. I engaged in ONLINE SHOPPING. However, BofA essentially excludes anything remotely related to a medical purchase as being eligible for the online shopping reward despite the purchase obviously being an act of ONLINE SHOPPING ''. 

The rewards page gives example of merchants where the 3 % rewards bonus can apply. Such as XXXX, XXXX, XXXX, etc. This is also misleading to the customer as all those merchants have their own car each at 5 % cash back and FREE SHIPPING. Why would a consumer benefit in using the the BofA card when they receive a higher benefit from using the merchant card? 

Hiding these details and labeling this benefit as for ONLINE SHOPPING is deceptive, manipulative, and most likely illegal. This benefit should be called " online preferred merchant reward '' but of course that would not attract as many unknowing customers. 

As further proof see the comments on this site : https : XXXX # comments Over 200 comments of people trying to decipher what counts as " online shopping '' and what doesn't. This is intentionally misleading the consumer. This is in no way an " online shopping '' benefit. It's a preferred merchant benefit that's advertised in a way to mislead the consumer.
Product: Vehicle loan or lease

This account is more than XXXX years old. I have asked several times and reported several times about this account being on my credit for so long. I request it to be removed immediately
Product: Mortgage

Every year when setting up my mortgage payment and establishing my escrow for my house insurance and tax payments, BB & T base the mortgage and escrow on an estimated tax instead of allowing the Tax Office to give them the correct amount. This in turn makes the tax office or the bank have to reimburse for overpayment of taxes which could be avoided if they would process correctly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX has been falsely reporting an account to my credit files for a loan I never went through with. I started the loan process, got halfway through the contract, and walked away. For the last 7 years, they have destroyed my credit and placed unforeseeable financial burdens on me because they are reporting fraudulent information. Not only did I not go through with the loan, they filed the paperwork I had signed and I never received a XXXX  XXXX from them. They have never issued me a check and they refuse to provide any sort of debt validation after the XXXX of times I have disputed this account. They faked a loan to then get paid through their insurance company as well as a tax write-off.
Product: Credit reporting or other personal consumer reports

This account does not belong to me. I have not held a XXXX account, and I believe this is either a reporting error or a case of identity theft. 
The collection agency has failed to validate the debt. I have sent a debt validation request under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ), and they have not provided proof that I owe this debt. 
The credit bureaus have not removed the account despite my dispute. I filed disputes with XXXX, and they failed to remove the inaccurate item.
Product: Debt collection

The debt was bought by common wealth financial services and was paid last year to the collection company and it was removed from my credit. 6 months later it appears on my credit with a different collection agency but same debt that was already paid.