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

Upon checking my credit report, I notice an account from SE TOYOTA FIN dba WOFC that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. I even threaten to escalate this violation higher to ensure that my rights were being upheld and still got no respond from them. I also sent certified letters to the three credit bureaus on XX/XX/2020 asking them to verify or remove the negative report on my credit report. I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Debt collection

Garnished my bank account over my ex-husbands debt. Never properly notified me of this garnishment.
Product: Checking or savings account

I've been charged {$460.00} in fraudulent charges on my account and my bank provider has denied to credit for the fraud because I have no evidence supporting my claim. Ive contacted them on multiple occasions to appeal my account and they're not contacting me back for over 72 hours. I can not contact the company who applied charges to my account because they are out of country.
Product: Bank account or service

Deposited check from XXXX to Bank of America checking account. Bank of America initially said it would clear all funds in 2 days. Used debit to pay after 2 days and was hit with {$35.00} fee for bounced check and another {$35.00} fee for being overdrawn. New update that same day from BOA chat rep said that the check from XXXX XXXX was being held for 5 days for my protection. They lied upfront on the delay and then extendeded delay in depositing that money from XXXX XXXX to INTENTIONALLY incur fees.
Product: Credit card

I did not receive a statement for XX/XX/2017 with Citi Cards. I sent in the payment without the statement, just the check. I am now being charged a {$35.00} late fee that they refuse to remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB WRITE UP In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

XX/XX/XXXX. {$15000.00} was transferred from our saving account to our checking account by unknown party. 
XX/XX/XXXX. A bill payee was setup to XXXX XXXX XXXX XXXX. {$14000.00} was paid to this account by unknown party. 
XX/XX/XXXX. I noticed this transaction and called Capital One. They froze my accounts and started a fraud investigation. On that call, Capital one claims the transaction originated from our home IP address. They would not share the specific information with us. 
We had our home internet checked for access and computers checked for viruses and nothing was found. Capital one said they would create new accounts because we were victims of an account take over. 
XX/XX/XXXX. A police report was filed with XXXX XXXX XXXX ( XXXX ) Report number XXXX. XXXX days later we call to check on the fraud investigation and were told there was no illegal access from their end. They didn't create new accounts and we could create them if we wanted to. They have not provided any documentation of the investigate to date. Capital one uses trusted computer access. There is no way for customers to always request multi-factor authorization on on-line accounts. This lack of security for on-line accounts puts our accounts at risk. When we login into our accounts and get authenticated, Capital one is trusting that device which leaves customers vulnerable to fraud.
Product: Vehicle loan or lease

Regional Credit Acceptance is the company I financed a vehicle through. I was/ am XXXX XXXX military. The car was wrecked to equal out to a total loss in 2017. The company got paid by my insurance and my GAP. The GAP insurance company paid later than the 90 day mark so Regional Acceptance stated they were going to repossess the car, which was already sent to a junkyard as a total loss throughout XXXX. I have disputed it with the company multiple times. Finally, the middle of last year they sent the co-signer on the loan a letter stating the remaining balance owed was {$75.00}. We sent in a certified check and received a receipt for a XXXX balance due. My credit report still states the vehicle was a repo, and over {$4000.00} owed.
Product: Debt collection

On XX/XX/2021 I entered into the Freedom Debt Relief program. This is a program that settles credit card debt into a lower amount by negotiating with creditors. I have been following everything they ask on their program. On XX/XX/2021 I received a lawsuit from XXXX XXXX- I have 20 days to respond from XX/XX/2021, FDR states on their welcome packet/website and other sources the following information : " While youre moving through the process of resolving your debt, some creditors may choose to take legal action ( sue you in court ) to collect on the debt. If you receive a legal notice, send us a copy right away by uploading it on your Client Dashboard or emailing it to XXXX. Then call Customer Service to verify the document was received. 
Once we receive the document, well review the status of your program and may enlist the help of an attorney in the XXXX XXXX XXXX. To qualify for legal representation on a lawsuit, you must have made all your program deposits on time and in the full amount. Its important that there are enough funds available for us to negotiate a settlement if needed. Consistent deposits are crucial to overall program success and create negotiating leverage for attorneys to work on your behalf. 

There are no additional Freedom Debt Relief fees for attorney services. However, you will be responsible for court fees and related costs. '' " As long as you make all your deposits on time and in the full amount, access to representation through the XXXX XXXX XXXX is included as part of your Freedom Debt Relief program. There are no additional Freedom Debt Relief fees for attorney services. However, you will be responsible for court fees and related costs. '' As of today, I have been calling every day and have been given the run around with no answer. I am not asking and have not ask FDR for legal advice. Instead, I am asking if they are going to comply with what they offer on their welcome packet/website to help the customer with the lawsuit placed by one of the creditors by assigning an attorney from their " network ''. 

This is a deceiving business practice, as FDR convinces and promises customers that everything goes according to plan by following the program. However, what goes to plan is all the fees/charges they take out of the dedicated account, but everything else seems to be out of scope even when it's in writing.
Product: Vehicle loan or lease

I am writing to file a complaint regarding the issues I have encountered with Mercedes Benz Financial. On XXXX/XXXXXXXX I leased a vehicle from XXXX XXXX and making payments as scheduled then XXXX XXXX sets in and fell sick. The issues of delayed payments began when my business was closed down due to the pandemic. I have attempted to resolve these matters by contacting customer service support and the level XXXX escalation team of the company letting them know about my hospitalization and closure of my logistics business. Despite my efforts, the situation was not resolved satisfactorily. I am seeking clarification on payment status, lower payment, extension of lease and assurance against threat of repossession. 
I kindly request your prompt attention to this matter and timely resolution. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2022. Someone transfer my money to another account without me knowing. They used the XXXX app through my bank. They took {$100.00} and {$2500.00} from my account.
Product: Vehicle loan or lease

While I was XXXX XXXX XXXX XXXX, I received new orders and was unavailable to take my leased Hyundai vehicle with me. I submitted my orders multiple times to Hyundai and they ended up writing it off as a charge off and now it is being reported as a charge off. I again submitted my orders to all of the credit bureaus and they have not removed the charge off. I have been failed as a service member by Hyundai and XXXX credit bureaus.
Product: Credit reporting or other personal consumer reports

My husband and I have a mortgage through XXXX XXXX XXXX XXXX . In XXXX I called and tried to get help with out loan due to inflation costs we started to struggle with payment. After months of moving me from one plan to another they sent us a letter stating we were approved for the Covid-19 Recovery Standalone Partial Claim ( the " Plan '' ).

In this letter one of the bullet points states, ' We will waive any late charges, fees, or penalties assessed to your on or after XX/XX/2020. 

I have called the numerous times and have filed disputes with XXXX, Experian, and XXXX and resulting in them not taking off the payments. We have 5 late payments showing on our report and we are unable to get another loan to move to a different house with a smaller mortgage. I also expressed our home 's ac went out. We have been living in 90 degree temperatures because of our credit. They are continuing to refuse to remove the late payments.

Thank you so much for your help on this matter.

*They are also not explaining to consumers what types of things are covered for Covid-19 payment relief. Meaning I had to ask after months if inflation was part of this plan. I believe the company is doing this to many other people and are going to cause them to loose their homes.
Product: Credit reporting or other personal consumer reports

Regarding my recent review of my credit report, I identified several discrepancies that require immediate attention. Notably, there are accounts listed under XXXX XXXXXXXX XXXX and XXXX XXXXXXXX XXXX that do not belong to me. These inaccuracies constitute violations of the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681 Sections 602, 604A Section 2, and 1681a paragraph 2 subsection I.

These inaccuracies have the potential to adversely impact my creditworthiness and financial standing. Therefore, I request a thorough investigation into the reported accounts and personal information discrepancies. Additionally, I seek immediate correction of the inaccuracies in the reported accounts, including removal of those accounts.

I urge prompt action to rectify these issues and ensure compliance with FCRA regulations in the future. Please provide a written confirmation detailing the corrections made and the actions taken to address the violations of the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX conspired with XXXX, XXXX, XXXX, and XXXX. XXXX 's. XXXX XXXX XXXX and many other third-party credit collection agencies an extension of my credit using extortion. XXXX XXXX XXXX is a financial institution and from the law standpoint, it has been made very clear that an alleged banking institution is prohibited from sharing, transferring, passing around, miss handling, trading, etc. under law 15 USC 6802, a banking or financial institution is supposed to communicate with the consumer to see if the consumer want their information shared with outside corporations or not. The Consumer shall have a choice to OPT out, however ; XXXX XXXX XXXX has ignored the law without consent from me as the consumer. The information had been placed on my consumer credit report without having a permissible purpose to do so. This is breaking the law, this is a violation of privacy about sensitive information that has been shared for profit with strangers. Also under law 18 USC 894 XXXX has conspired with each of these third-party corporations to steal my information and commit a crime against me as well as use my consumer credit report to threaten, and report derogatory information as a punishment when the law states that this is a crime to do so. 18 USC 894 says whoever knowingly participates in any way conspires to do so in the use of any extortion, it means to collect or attempt to collect any extension of credit or to punish any person for the nonpayment. There of should be a fine under this title or in prison not more than 20 years. 
XXXX means someone who commits a crime, who secretly does something, who teams up with others. This has been the abusive behavior for several years on going today as XXXX XXXX XXXX has caused theft, sold my property, teamed up with the credit agencies which are all third-party debt collectors, and still reporting derogatory against my consumer credit even after the law has identified that can not be done. 15 USC 1681b- credit agencies are only allowed to furnish consumer reports to those who have a permissible purpose as defined by the FCRA . There has never been any written instruction given any permission to share my information. Lastly, 18 USC 1028 XXXX XXXX XXXX and each of these credit agencies are trading, passing around my private information for profit committing crimes of crimes against me as the consumer without lawful authority..
Product: Credit reporting or other personal consumer reports

15 USC 6508 I have the right to opt out and that they have reported information and transactional history to early warning and check systems Per the FCRA as a Federal protected consumer of any and all authorizations. I the consumer may have given you written & unwritten. Verbal or non-verbal per 15usc 6802. Under 5 usc 522a you are not suppose to give my social security number to anyone that is not the federal government. 17cfr 424 all inquiries must be removed. Fair Credit Reporting Act of 1974 15usc1681 Inaccurate Reporting Non Public Personal Information 16crf 313.6 16 crf 313.7 15usc1602 Per the FCRA as as a federal protected consumer. Im now opting out any and all authroizations. I the consumer may have given you written & unwritten and verbal or non-verbal per 15usc 6802
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of utmost importance regarding a recent report I obtained from a reporting agency. Upon reviewing the report, I discovered several severe errors that must be rectified immediately. 
Firstly, as a consumer reporting agency pursuant to 603 ( F ) of the Fair Credit Reporting Act, Experian is mandated by federal law to possess physical copies in their file of the original application or documentation supporting each reported account. This is a crucial aspect that can not be overlooked.

Secondly, in compliance with Section 609 of the Fair Credit Reporting Act, I, as the consumer, hereby respectfully demanded and requested to be furnished with copies of all applications, contracts, documents, and information contained within the consumer credit file in order to determine verification the accuracy of each account being reported, pursuant to Section 609 ( C ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), a certification must be provided along with the disclosure for inspection and examination of the referenced account.

In accordance with Section 609 ( c ) ( 2 ) ( E ) of the Fair Credit Reporting Act ( FCRA ), I am formally requested the removal of the disputed and unverified information listed in my report. If they were not able to verify the information, I demanded that it be promptly deleted or removed pending further investigation. 

I XXXX, XXXX, consumer hereby challenged the following accounts as unverified and demanded they be deleted and I be furnished with proof of proper verification : Dispute XXXX. 
XXXX. NOT MINE - XXXX XXXX XXXX, account ending in XXXX, amount {$2000.00} Date Opened XX/XX/XXXX, Date Reported XX/XX/XXXX, Date of first Delinquency XX/XX/XXXX. 
Dispute XXXX. 
XXXX. NOT MINE - XXXX XXXXXXXX, account ending XXXX, amount {$450.00}, Date Opened XX/XX/XXXX, Date Reported, XX/XX/XXXX, Date of first Delinquency XX/XX/XXXX. 
Dispute XXXX XXXX. NOT MINE - XXXXXXXX XXXX XXXX, account ending XXXX, Dispute XXXX. 
XXXX. NOT MINE -XXXX  XXXX account ending in XXXX, balance {$390.00} Date Opened XX/XX/XXXX, Date Reported XX/XX/XXXX, Date of First Delinquency XX/XX/XXXX. 
Dispute XXXX. 
XXXX. NOT MINE XXXX XXXX XXXX  Inquiry date XX/XX/XXXX, Removal Date XX/XX/XXXX I need them removed off my account until the furnish original copies of the application and documentation. 

Thank your
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 Account Number : XXXX Account Name : I XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX  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.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX  XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Checking or savings account

On XX/XX/XXXX an unauthorized person made a total of 4 withdraws and took the sum of XXXX dollars from our account with Bank of America. We contacted Bank of America and submitted a claim that this withdraw was unauthorized and that our account had been compromised. After notifying Bank of America of the incident they denied our claim filed on or around XX/XX/2018 and closed the claim on XX/XX/18. We then Submitted a rebuttal to Bank of America on XX/XX/2018 stating our objections and questions as to why they denied our claim and requested that they provide us with evidence to show their cause for the decision they made and to refund our account with the monies we lost.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a bankruptcy on my credit report. My bankruptcy case was discharged in XX/XX/year>, but the bankruptcy court never instructed the credit bureaus to report this information. While I understand that bankruptcy is a matter of public record, I believe the inclusion of this information on my credit report is incorrect and potentially violates my rights under the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, credit bureaus are responsible for ensuring that all information on credit reports is accurate and fair. Specifically, information can not be added to a consumer 's credit report unless it is accurate, complete, and furnished by entities that are authorized to report such information. As the bankruptcy court did not mandate the reporting of my bankruptcy, I am requesting an immediate investigation into the source of this information and the removal of the bankruptcy from my credit report. 
I ask that this matter be investigated promptly and that the bankruptcy entry be removed from my credit report. In accordance with the FCRA, please provide me with the results of your investigation and an updated copy of my credit report.
Product: Checking or savings account

Wells Fargo unlawfully taking money from my deposit account
Product: Credit reporting or other personal consumer reports

VOSS & KLEIN reported an inaccurate collection to XXXX XXXX and XXXX on XX/XX/year>. I disputed the item, and it was not removed. Company didn't answer. It is hindering my livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three credit bureaus and the Social Security Office in regards to an account being report as a collection when in fact its not. I have two letters from the Social Security Office where they state that the account is not in collection and that its up to date. The first letter I got was in XX/XX/2018 and the second letter was in XX/XX/2018. Even after contacting all three credit bureaus and informing them of the error, I still have this negative information on my record. I have a credit sensitive employment and due to this error my employment could be jeopardized.