23daVinci/CFPB_Complaints huggingface dataset:
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 Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 XXXX years. 

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

I have filed multiple disputes with Equifax in the past for the following accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX   XXXX On XX/XX/2018 I sent a method of verification letter to Equifax via certified letter, and on XX/XX/XXXX that letter was delivered. It has been past fifteen days and I have not received any information verifying these accounts. I am interested in their verification methods for many reasons. For instance, I have filed multiple complaints thru Consumer Financial Protection Bureau and each time I receive a response stating that XXXX XXXX XXXX did not respond to the complaint. I also have tried to contact them myself. I have not been able to talk to anyone about the account.
Product: Payday loan, title loan, or personal loan

I was approved for a loan with the company Upstart. 
Upstart advertises quick loans with their " advanced AI technology. '' Upstart has given me a loan with an interest at 23 %. 
For a {$220.00} payment, only {$86.00} goes to the principal and the other {$130.00} goes to Interest. 
This is about 70 % of my monthly payments going toward interest. 
Add on an annual interest rate and I'll basically be stuck in a loan for many years to come. 

Loan companies like XXXX, XXXX, XXXX, do these scams quite often. 
XXXX was sued by the Consumer Financial Protection Bureau in XXXX due to their targeting of low-income earners, minorities, and elderly people. This loan company also targets those that are vulnerable and approving them of loans like mines that has an Annual Interest rate and a hidden Variable Interest rate. 

Upstart 's interest fees violates the following California Constitution : ARTICLE XV USURY [ SECTION 1- SECTION 1. ] ( Article 15 added XX/XX/XXXX by Prop. 14, clause 35. Res.Ch. 5, XXXX. ) SECTION 1. 
The rate of interest upon the loan or forbearance of any money, goods, or things in action, or on accounts after demand, shall be 7 percent per annum but it shall be competent for the parties to any loan or forbearance of any money, goods or things in action to contract in writing for a rate of interest : ( 1 ) For any loan or forbearance of any money, goods, or things in action, if the money, goods, or things in action are for use primarily for personal, family, or household purposes, at a rate not exceeding 10 percent per annum ; provided, however, that any loan or forbearance of any money, goods or things in action the proceeds of which are used primarily for the purchase, construction or improvement of real property shall not be deemed to be a use primarily for personal, family or household purposes ; or ( 2 ) For any loan or forbearance of any money, goods, or things in action for any use other than specified in paragraph ( 1 ), at a rate not exceeding the higher of ( a ) 10 percent per annum or ( b ) 5 percent per annum plus the rate prevailing on the XXXX XXXX of the month preceding the earlier of ( i ) the date of execution of the contract to make the loan or forbearance, or ( ii ) the date of making the loan or forbearance established by the Federal Reserve Bank of XXXX XXXX on advances to member banks under Sections 13 and 13a of the Federal Reserve Act as now in effect or hereafter from time to time amended ( or if there is no such single determinable rate of advances, the closest counterpart of such rate as shall be designated by the Superintendent of Banks of the State of California unless some other person or agency is delegated such authority by the Legislature ). 

**No person, association, copartnership or corporation shall by charging any fee, bonus, commission, discount or other compensation receive from a borrower more than the interest authorized by this section upon any loan or forbearance of any money, goods or things in action. **
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  HAS VIOLATED MANY OF MY FCRA & FDCPA RIGHTS!!! I HAVE SEVERAL VIOLATIONS I PLAN TO TAKE ACTION UPON!!! NOT ONLY HAVE I BEEN VIOLATED & TAKEN ADVANTAGE OF BY THIS COMPANY. THEY ARE UNLAWFULLY REPORTING & RUINING MY REPUTATION!! VIOLATIONS - DELETING FROM XXXX REPORTING AGENCY & NOT ALL - REPORTING NEGATIVE REPORTS TO CREDIT BUREAU - XXXX COMMUNICATION TACTICS- VIOLATION IN FIANCE CHARGES - THYE ARE NOT THE ORIGINAL CREDITOR " I '' AM - SEZIED PROPERTY NEVER NOTIFIED OF MY RIGHT OF RECESSION - UNLAWFUL SEIZE & SELL OF PROPERTY THE LIST GOES ON!
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was socially engineered by XXXX scammers and their activities on my account had my account closed.
Product: Bank account or service

I received a letter to my physical address I provided to Bank of America. This letter was mailed to my current physical address ( XXXX, WA ) and asking for my country of residence. I provided this on account opening ( obvious since I received my letter ) and am concerned that the information was misplaced, or the web application the bank uses is not committing the information correctly during the automated online account opening process ( or letting anyone, including XXXX 's open accounts ). I wish that the bank could confirm that my account information is secured and that they overlooked my account information prior to mailing this letter. The Bank of America chat representative could not state why my information was missed on the automated and validated online application. I was given no choice but to provide this letter back or my checking account would be closed.
Product: Credit reporting or other personal consumer reports

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 connot 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 and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I applied for Financing at XXXX XXXX, XXXX, XXXX, TX. I stated that I only wanted to apply for financing through XXXX. They came back and said that I was denied. I told them thank you and they offered to check other options for me. I told them again, I was only interested in XXXX XXXX, and if they were applying through any other banks, I wasnt interested, I DID NOT WANT THEM TO RUN MY CREDIT AGAIN. I made myself very clear. The salesman then said he would go back and speak with XXXX financing to see if there was something he could do. He came back and said that he had checked with XXXX  XXXX and they had also denied me. I asked them had they run my credit through XXXX XXXX? They replied no. The next day I began receiving alerts from my XXXX and Equifax credit accounts. Letting me know that multiple financial institutions have been running my credit that previous day. When I contacted XXXX and spoke to the finance manager, he found out from the salesman that he had indeed ran my credit again multiple times through those other financial institutions. After I had asked him, explicitly not to, and he had agreed. He ( finance manager ) then told me to contact the credit agencies to have them remove the inquiries from those other institutions, and that if there were any questions, he would acknowledge that they ran my credit without my permission. This has been since XXXX and I can not get XXXX or Equifax to remove the inquiries. XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XX/XX/2022 ) EQUIFAX Unauthorized Inquiries : XXXX  XXXX, XXXX XXXX ( XX/XX/2022 )
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing as a final attempt to address a serious and ongoing issue regarding the unauthorized dissemination of my personal information by XXXX to credit reporting agencies, including XXXX, TransUnion, and XXXX. Despite previous communications, XXXX has failed to rectify the unauthorized reporting of my information, in direct violation of the Fair Credit Reporting Act ( FCRA ). 
As stated in my previous correspondence, XXXX did not obtain my written permission to provide my information to these credit reporting agencies. The FCRA explicitly requires written consent from individuals before consumer reporting agencies can furnish their information to third parties, except under specific permissible purposes outlined by the law ( 15 U.S. Code 1681b ). I have never given such consent to XXXX. Despite my previous demands, the unauthorized information remains on record with the credit reporting agencies. This continued violation of my consumer rights is unacceptable. I have filed multiple complaints with the Consumer Financial Protection Bureau ( CFPB ) to address this issue, referenced as follows : CFPB Complaint XXXX : Credit reporting, Problem with a company 's investigation into an existing problem, XXXX XXXX XXXX XXXX XX/XX/year>, Closed, Company responded. 
CFPB Complaint XXXX : Credit reporting, Problem with a company 's investigation into an existing problem, XXXX XXXX XXXX XXXX XX/XX/year>, Closed, Company responded. 
CFPB Complaint XXXX : Credit reporting, Problem with a company 's investigation into an existing problem, XXXX XXXX XXXX XXXX XX/XX/year>, Closed, Company responded. 
Furthermore, I have received confirmation from the XXXX  XXXX, dated XX/XX/year>, clearly stating that they do not provide information regarding case filings or dispositions to credit reporting agencies. This confirms that the XXXX information being reported by these agencies has been obtained without proper authorization or validation. Therefore, I demand that XXXX XXXX XXXX immediately cease and desist from providing any further information about me to credit reporting agencies without my explicit written consent. Additionally, I request that all unauthorized information already provided to these agencies be promptly deleted from their records.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX 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 an account without my written instructions. 

15 U.S.C. 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. 

****************************************************************************************************** In accordance with the Fair Credit Reporting act, XXXX # XXXX, has violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy XXXX XXXX. 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. 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. 

*************************************************************************************************** In accordance with the Fair Credit Reporting act, XXXX 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 an account without my written instructions. 

15 U.S.C. 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. 

*************************************************************************************************** In accordance with the Fair Credit Reporting act, 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 an account without my written instructions. 

15 U.S.C. 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. 

*************************************************************************************************** In accordance with the Fair Credit Reporting act, XXXX XXXXXXXX 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 an account without my written instructions. 

15 U.S.C. 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: Credit reporting or other personal consumer reports

On XXXX I submitted a complaint to this company via CFPB complaint XXXX XXXX XXXX XXXX XXXX. This company is reporting inaccurate information on my consumer report, which is impacting my life negatively. XXXX has deleted XXXX XXXX XXXX from my consumer report and in accordance with the FCRA there must be accuracy and fairness in credit reporting ( 15 USC 1681a ) ; this can be verified via CFPB complaint XXXX XXXX This item is lawfully required to be removed from ALL of my consumer reports! Expediously! Also, this is in violation of my rights via the Privacy Act of 1974 ( 5 USC 552a ).
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX XXXX Bankruptcy XXXX XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I disputed this with the credit bureaus XXXX  XXXX and XXXX i asked them to re investigate the completeness and accuracy of my account on my credit report i got my investigation back and i noticed they didnt update or modify my account
Product: Credit card or prepaid card

On XX/XX/2020 I signed a registration for a repatriation fight from XXXX to XXXX XXXX offered for a travel agency named XXXX XXXX. 
I received an email letting me know that they received my registration to flight on XX/XX/XXXX. and I needed to make the payment right away to secure my seat, which I did for a total of XXXX, without noticing that the email said XXXX to XXXX not XXXX XXXX. 
When I noticed my mistake I called the agency but I couldn't get anyone on the phone, so I sent them an email asking not to put my payment trough. 
I also called the credit card company " City Bank '' requesting to stop the payment, they told me that they could not see my charge yet and I needed to wait for it to show on their records. 
When the charge showed on my account the only option I had was to open a dispute which I did. But the travel agency has denied my claim. 
Later on I found out the only way to contact this agency is through a XXXX account that they provide you after you go through all the buying process. 
My problem is that I had done all these communications using my phone and I do not have records of some of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is saying that I was late on a credit card payment and I am not. 
This is situation is giving me a hard time to apply for a loan. 
Please review. 
Thank you,
Product: Mortgage

I paid down my home equity line of credit to zero but kept the account open. Then i was charged a {$400.00} fee. I called the Bank of America customer support line 7 times and was unable to reach an associate 6 times. On the XXXX try I reached XXXX in the XXXX call center, who is a HELOC specialist, and was told this was a lien against my account and that my account was closed. I said that was not correct -- I never closed the account, only paid it down to zero. I was also told that I would continue to be charged interest on this balance until XXXX even though I no longer borrowed any money. I was told that even if my balance were zero I would continue to be charged interest because " that is the way variable rates work. '' Unable to get a straight answer from the HELOC support team, I tried calling the branch ( at XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) where I took out the home equity loan because the HELOC had been apparently misrepresented when sold to me. I called 10 times and the phone rang with no one to pick it up. Finally I drove into the branch to talk to someone. When I ultimately spoke to someone, I was told they would take care of things for me. The bank manager and a staff member named XXXX said they would call the following Monday and then call me back. That never happened. 

I placed a complaint with the CFPB because I ran out of other options. Fortunately, I received a response to the CFPB complaint. But it was not from Bank of America. The response came from a debt collector requesting my personal information. Since Bank of America is not responding to this complaint, I ca n't verify if this organization is legitimate or shady. 

The debt collector is only open until XXXX. There is no email or web form ; there is only a phone number. I have called XXXX XXXX, XXXX XXXX, and XXXX XXXX without response. 

As Bank of America will not contact me directly but seems to respond to CFPB complaints, I will continue to correspond through this channel. Bank of America claims it will continue to charge interest on the fees that are in question, which is irresponsible and unethical -- the longer it delays in responding, the more Bank of America stands to gain in interest. I do hope the CFPB complaint system can help me here. I have been a customer of Bank of America for 20 years and they do not have the decency to contact me directly.
Product: Checking or savings account

Key bank has taken funds without my knowledge out of my account, ive had transactions made in XXXX XXXX they said that i made them while i can not fly and did not leave the XXXX XXXX, Im going through a divorce right now and filing a XXXXXXXX XXXX case my mental health is at the lowest ever, ive had XXXX XXXX XXXX in the past 3 months. Im very tired and the money was taken away from me was going to be used for medical and legal purposes like paying a lawyer etc..
Product: Debt collection

I am disputing this account, Pursuant to 15 usc 1692g ( a ) ( 2 ) I am demanding that you provide me with the name of the creditor of this account. Pursuant to 15 usc 1692g ( a ) ( 1 ), I am requesting the amount of the alleged debt, and how the amount of this alleged debt was calculated. Please keep in mind this is only a request for validation of the AMOUNT of the alleged debt pursuer to 15 usc 1692g ( a ) ( 1 ). 

Account name : XXXX BANK XXXX Account # XXXX Date Opened XX/XX/XXXX. 

XXXX Owed {$0.00}. 

Account XXXX XXXX. 
Accounts XXXX : XXXX. 

Account # XXXX Date Opened XX/XX/XXXX. 

XXXX Owed {$710.00}. 
Account name XXXX Account # XXXX Date Opened XX/XX/XXXX. 

XXXX Owed {$630.00}. 
Account name : XXXX 

Account # XXXX Date Opened XX/XX/XXXX. 

XXXX Owed {$0.00}. 






Please be clear on where this debt originated, how it was calculated, and any supporting documentation that proves your claim is valid. Please keep in mind I am not requesting that you send me proof of location information ( my place of abode ) I am only requesting the alleged amount of this debt you claim I owe, and how it was calculated.
Product: Credit card or prepaid card

On XXXX I got a bill from America express for {$95.00} annual fee I called and changed my card to a none annual fee account and they changed my card send me a new card I already receive it. 
Now I got another bill do I called customer service because I dont want to get late fee the customer service rap tells me that i should make a payment to avoid any fees I ask her why I changed the account and already reviewed my new card as well U cfpb are jokers r u aware of how banks XXXX off consumers by doing these stupid Fraud making customer to pay for a annual fee that been changed Shame on cfpb Shame on American Express