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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Opened : XX/XX/2016 XXXX XXXX : {$68000.00} XXXX
Product: Credit card or prepaid card

I applied for microcenter credit card on XX/XX/XXXX, XXXX application was denied for unknown reasons and never gotten a letter and I have a good credit score with XXXX XXXX well Fargo hasnt call me or explain why I want this inquiry to be removed for false advertising I have a fraud alert that might be the reason why it was denied and they never call me on my phone number to verify my identity Its been few weeks no decline letter or anything
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lot of hard inquiries on my credit report which I didnt authorize or give permission for my credits being ran. I would just like them deleted asap. I havent applied for credit since 2020
Product: Payday loan, title loan, personal loan, or advance loan

I paid this off in full on XX/XX/XXXX. I never wanted this line of credit. I never understood that if I borrowed XXXX they would report me as owing XXXX and take payments until I paid them XXXX dollars. I had to go to my bank to stop the payments bc I couldnt close the account with them. On XX/XX/XXXXXXXX  this was paid in full. It remains in my credit. I filed a dispute with the credit bureaus on XX/XX/XXXXXXXX  and it was found to be accurate but I have the bank statement showing I paid off the balance.
Product: Student loan

I believe AES allowed me to over-barrow as a teenager  attending a XXXX  college. My interest rates continued to climb. My payment is so high I have a second job to pay. I still owe over {$40000.00} and have paid over {$130000.00} in payments over half have gone to fees and interest
Product: Student loan

I consolidated my student loans from XXXX to Mohela and all my previous payment history is missing. These payments go back from XXXX XXXX. If these payments are added I will have over 120 payments and be in the loan forgiveness waiver category. I have submitted a complaint with Federal Student Aid which has been pending for months no resolve or movement. I have called numerous times to Mohela and received various answers but still no resolve. XXXX has sent me the payment history but there is nothing they can do.
Product: Credit reporting or other personal consumer reports

I contacted TransUnion and requested they remove certain items on my report because I am a victim and I am protected from certain items being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, Transunion, and XXXX about reporting and sharing certain information about me without my authority or my written consent which is a violation of my rights as a consumer. These XXXX companies are also violating my right to privacy by reporting these accounts. The accounts are as follows : XXXX. XXXX XXXX XXXX - Acct # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - Acct # XXXX XXXX U.S.Code 1681 ( a ) ( 4 ) states the consumer 's right to privacy. 

Notice, it is a fact, I, the consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). XXXX, Transunion, and XXXX has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent. 

15 U.S.Code 1681b ( a ) ( 2 ) states Credit Reporting Agencies need written instruction to make a consumer report by the consumer. 

Notice, it is a fact, I, the consumer is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. 

15 U.S.Code 1681 ( b ) states Credit Reporting Agencies must follow reasonable procedures. Must be fair and equitable to the consumer. 

Notice, it is a fact, I, the consumer is aware, all consumer reporting agencies, must follow reasonable procedures pursuant to 15 U.S.Code 1681 ( b ). The reasonable procedures listed were not followed and this a violation of 15 U.S.Code 1681 ( b ). 

In conclusion, These companies have violated plenty of my rights as a consumer. With that being said, I demand they remove all the accounts listed below. If my demands are not met, my next step is to take each company to federal court to show where they violated my federal rights as a consumer and sue each credit reporting agency. 


XXXX. XXXX XXXX XXXX - Acct # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  - Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used for a bankruptcy filing, the bankruptcy is reporting on XXXX, XXXX and Tranunion as a public record. The bankruptcy filing is fraudulent. I have disputed the information several times, and the agencies say they verify this information from XXXX. XXXX uses a third-party to verify the public record which is not legal because it can't be verified through the courts, directly.
Product: Prepaid card

Oklahoma  Tax Commission giv es state refunds with  a   XXXX   XXXX  . H ad my {$64.00} withdrawn from the card ; had to place two calls  to   XXXX   XXXX   to cancel  the card because the disclosures that accompanied the card said there would be $  XXXX  /month " Inac tivity Fees '' if you did n't use the card. Got a " human '' on my second call to cancel ; the   XXXX   XXXX    representative then said I had a balance due for {$.00} for the two calls I placed to cancel ( this was within  5  minutes of the time I withdrew my money at  XXXX    XXXX    ). I asked her if I would be billed for the {$.00} and she said, " No, your card has been cancelled. '' Called the Oklahoma Tax Commission ; referred back to   XXXX   XXXX   ; tried calling Comerica Bank ( listed on back of card ) and was told, " The card is issued by the Treasury ). If I had n't cancelled the card, evidently I would have received bills for not using it ( and now, will   XXXX   XXXX   report this to a credit report agency? ). What a racket!
Product: Debt collection

The company called First Franklin Financial services in XXXX LA on airline Hwy threaten to garnish my wages. I never got a loan from this company.never signed any paperwork I think this is my ex husband debt I been legally divorced for 2 years. I have no loans with this company.
Product: Credit reporting or other personal consumer reports

I filed a identity theft affidavit after my purse was stolen. My identity and social security card including my ID cellphone were stolen and used to open up 3 fraudulent accounts that are on my credit. The credit reporting agency Experian did not fully investigate my issue and they failed to fix the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the credit inquiries listed below. Equifax asked me to resubmit with documentation, which I did via us mail. tracking # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the Fair Credit Reporting Act 15 USC 1681 section 602, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX, being consumer reporting agencies, and I, as the Consumer, have the right to ensure the non-disclosure of my private information, in accordance with 15 USC 6801.

15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' [ Furnisher of information to credit agencies ] is a financial institution by definition under that title. 

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 XXXX XXXX  the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent whether verbal or written to furnish this information. Any and all alleged consent to Equifax, XXXXXXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' However, XXXX XXXX XXXX  failed to inform me of my right to exercise my nondisclosure option. 
Additionally, 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. '' 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 
Equifax and XXXX are not maintaining reasonable procedures. 
Finally, 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 card

Dear CFPB, I am writing to file a complaint against Chase Bank for closing my credit card account ending in XXXX without a valid reason. I have been a loyal customer of Chase Bank for over 10 years and I have always paid my bills on time and maintained a good credit score. 
On XX/XX/year>, I received a letter from Chase Bank stating that they have closed my account effective immediately. The letter said that their decision was due to recent activity reflecting a pattern of abuse, as provided under the terms of the Cardmember Agreement. However, the letter did not specify what kind of activity or abuse they were referring to. I called Chase Banks customer service to ask for an explanation, but they refused to give me any details or reinstate my account. 
I believe that Chase Banks action was unfair, arbitrary, and discriminatory. They violated my rights as a consumer and damaged my credit history. I request that the CFPB investigate this matter and help me restore my account and credit reputation. I also request that Chase Bank provide me with a written apology and compensation for any losses or damages I may have suffered as a result of their action.

I have attached a copy of the letter I received from Chase Bank and my credit card statements for the past six months as evidence of my complaint. Please contact me if you need any additional information or documentation. 
Thank you for your attention and assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ) In accordance with the Fair Credit Reporting act, the following accounts that on my credit report are a violation of my rights : the account in question is XXXX XXXX XXXX XXXX XXXX XXXX Reporting to ( XXXX XXXX Equifax ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX XXXX Equifax ), XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX Equifax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX ( XXXX Equifax ) in accordance to XXXX U.S.C XXXX section XXXX A. States I have the right to privacy and XXXX U.S.C XXXX Section XXXX A Section XXXX states that a consumer reporting agency can not furnish an account without my written instructions and was not authorized by me. XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all agreed to remove the late payments from y credit report and remove their accounts from my credit report. XXXX ) I HAVE NOT BEEN SUPPLIED PROOF UNDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS I request that these late payments and accounts be removed from my reports. Asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with SOURCE RECEIVABLES MNG. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and SOURCE RECEIVABLES MNG with no successful resolution. There was definitely an error on their part.
Product: Vehicle loan or lease

In XX/XX/2019 we got a car from XXXX XXXX in XXXX Maryland and went under the impression we were getting a car for our personal, household, and family use under credit via a consumer credit transaction. However after reading consumer laws that is not the case. We are calling out the violations that Capital One Auto Finance and XXXX XXXX of XXXX Maryland committed when we went in for a consumer credit transaction. We were not disclosed full details of the consumer credit transaction and how the transaction would be fulfilled. In addition there was no consideration given for the promissory note that was recorded on the companys ledger as an asset. Capital One Auto Finance is not the original creditor and that is false and misleading per the FDCPA. Per the Retail Installment Sale Contract ( RIC ) it states the dealership as Seller- Creditor meaning CoaF is just merely a debt collector. Capital One Auto Finance and XXXX XXXX of XXXX did not disclose that upon the consumers providing their social security numbers aka credit card as defined in the Truth in Lending Act, credit would be used by the dealership and the financial institution to obtain a Loan from the federal reserve bank per ( 12 USC 1431 ) in the consumers name and returned as a loan. To further on the RIC there is a security interest provided which states This secures all payments You owe on this contract and any transfer, renewal, extension or assignment of this Contract. It is my understanding that means that the Security Interest was indeed payment on the RISC and my obligation to perform was satisfied. Also per the Truth in Lending Act the consumer was only to pay the finance charge in a consumer credit transaction. However much more was paid. We was also told by the dealer that we needed to pay a XXXX down payment which is also a violation in a consumer credit transaction. I am requesting validation of debt per 15 USC 1692g. In addition Capital One Auto Finance is a debt collector per 15 USC 1692a ( 6 ). Debt Collector has XXXX ( XXXX ) days to properly and timely verify and validate the alleged account and debt as follows : a. Present all original account/loan level documentation ( documentary evidence ) from the original transacting parties containing verified signatures from all original transacting parties verified under oath and penalty of perjury to support your claim of indebtedness. Also please PROVIDE per the Generally Accepted Accounting Principles ( GAAP ) an audit trail of the aforementioned account. Please note that a contract is not evidence of a debt.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, the accounts listed below has infringed upon my federally protected consumer rights to privacy and confidentiality as outlined in 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX  XXXX  : # XXXX, has violated my rights. 

Failure to provide original contract with the original creditor, Inaccuracies being reporting and a list of other violations that are against the law of the Federal Reporting Credit Act. 

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.

15 U.S. Code 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

These inaccuracies are hindering my ability to secure new credit cards and acquire a home for my family. The presence of these inaccuracies on my credit report is contributing to ongoing financial strain.
Product: Credit reporting or other personal consumer reports

Dear to whom it may concern : I recently pulled up my XXXX, XXXX and Transunion credit report and your company is attempting to collect a debt. 

Under 15 USC 1692cc : ( c ) Ceasing communication If aconsumernotifies adebtcollector in writing that theconsumerrefuses to pay adebtor that theconsumerwishes thedebtcollector to cease furthercommunicationwith theconsumer, thedebtcollector shall not communicate further with theconsumerwith respect to suchdebt, except ( 1 ) to advise theconsumerthat thedebtcollectors further efforts are being terminated ; ( 2 ) to notify theconsumerthat thedebtcollector orcreditormay invoke specified remedies which are ordinarily invoked by suchdebtcollector orcreditor ; or ( 3 ) where applicable, to notify theconsumerthat thedebtcollector orcreditorintends to invoke a specified remedy. 
If such notice from theconsumeris made by mail, notification shall be complete upon receipt. 

Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see verifiable proof ( i.e : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hindered my ability to obtain credit.It has also damaged my mode of living, my character, and much more. 

Under the Fair Credit Reporting Act, unverifiable accounts must be DELETED and if you can not provide me a copy of verifiable proof, you must DELETE the account listed below. 

Im giving your company 15 days to respond to this matter. Failure to respond to this matter will result in legal actions pursued against your company. 

I demand that the following account be validated or DELETED immediately : Account Number : XXXX Amount owe : {$370.00} Best Regards, XXXX XXXX
Product: Mortgage

At the end of XX/XX/XXXX I applied for a Reverse Mortgage with AAG. I was continually given the wrong information about what they needed in the way of forms. I have a POA. My husband has XXXX. The Mortgage Broker told me to get letters from the doctors stating my husband had XXXX and could not make financial decisions, which I did. Now we are into 4 months and they tell me they need a specific form signed and filled out by the doctor. They had me give them my original POA and now I have nothing. They are asking for the forms to be signed by the doctor and 2 times they have emailed me the wrong forms in the POA. They asked for my XX/XX/XXXX and XX/XX/XXXX tax forms, which I gave them now they tell me they need transcripts from the IRS. It is now going on 4 months since I first talked with a Mortgage Broker.If I had to do this all over again, I would not do it. I ' m just so far in now that I have to complete this or start all over again. This company is supposed to be the best. I doubt that very seriously. You ca n't talk to a supervisor, or anyone who can help you. Boooo XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I regretfully obtained loans from One Main Financial Services located in South Carolina. I constantly kept in communications and would have my interest rates not being able to explain as to why I felt like the payments would never decrease. I was constantly threatened with legal action and other avenues. I would like this to be investigated as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Account number XXXX, date opened XX/XX/XXXX, Amount XXXX, This account was opened fraudulently, I contacted the company and company refused to remove this from my account and it is still trying to hold me responsible. XXXX XXXX account number XXXX, date opened XX/XX/XXXX, XXXX XXXX, This account was opened fraudulently.I contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, account number XXXX, date opened XX/XX/XXXX, Amount XXXX,. This account was opened fraudulently, I contacted the company and company refused to remove this from my account and is still holding me responsible, XXXX account number XXXX, date opened XX/XX/XXXX, amount XXXX. This account was opened fraudulently, I contacted the company and company refused to remove this from my account and is still holding me responsible, XXXX XXXX, account number XXXX, date opened XX/XX/XXXX, amount XXXX. This account was opened fraudulently, I contacted the company and company refused to remove this from my account and is still trying to hold me responsible, XXXX XXXX, account number XXXX, date opened XX/XX/XXXX, amount XXXX,. This account was opened fraudulently. I contacted the company and company refused to remove this from my account and is still holding me responsible. XXXX XXXX account number XXXX, date opened XX/XX/XXXX, amount XXXX. This account was opened fraudulently. I contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.