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 name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : 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 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

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me XXXX  XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

Please see UPDATED Identity Theft Report Filed with the FTC along with the Police Report and FBI Creditor Letter stating that I am a victim of financial fraud in a federal division
Product: Credit reporting, credit repair services, or other personal consumer reports

A little while ago, I split for my emotionally volatile wife, I thought she used my XXXX to pay for some items ( XXXX  ) and I raised a complaint with XXXX  and XXXX  but XXXX never responded, I have quite a hectic life with 2 jobs and children along with lots of medical conditions and for a number of months they never responded to me, and I kept chasing up using resolver and they still never got in touch - I left my phone number on each one. After a period of time I got fed up of the problem not being resolved and I naively stopped paying which is something I regret hugely, at this point I also referred the matter onto the Financial Services ombudsman and when XXXX the representative contacted me he suggested not to start paying again until the investigation has been completed. Financial Ombudsman stated I was right, and confirmed my win however XXXX were allowed to register some late payments on my credit account, which I feel now is unfair, and is now scuppering my plans to get a mortgage. I have also had the amount on the account increased with late payments and interest added.
Product: Mortgage

After a 3 month trial modification, in XXXX 2015 I signed papers for a modification with Bank of America. Less than 2 months later, I received a letter stating my payment went up an additional {$50.00} per month despite the original agreed upon amount. Bank of America as been proven to be unscrupulous with their tactics over the past several years in regards to my mortgage.
Product: Credit reporting or other personal consumer reports

Account being reported as late payments but has been charged off
Product: Debt collection

I have been in contact with XXXX XXXX XXXX agency within the past couple of months. About an Account on my credit profile that was fraudulently open. And I've asked them to remove this from my credit profile and they have not. This is for a XXXX phone account in which I never open nor did I give any other person authorization to open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a dispute XXXX asking CFPB to remove two accounts which are XXXX XXXX XXXX XXXX XXXX. I also asked that the XXXX Card be updated to paid as agreed since it shows inaccurately reported late payment on three separate months. 

Today when I called XXXX I was alerted the account was permanently closed due to fraud being reported on account. PLEASE FIX MY ACCOUNT! I had account for XXXX  year, XXXX  months with one discrepancy I was asking to be fixed not for the account to be closed. This is disheartening because I value my accounts and this decision was completely adverse to my intentions on getting assistance with this account.
Product: Credit reporting or other personal consumer reports

Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802 I'am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to XXXX XXXX written, unwritten, verbal or non verbal to report my nonpublic personal information. XXXX XXXX is in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by XXXX XXXX that my nonpublic personal information was going to be shared to non affiliated third parties such as Experian, XXXX, and XXXX. I was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt out notice every thirty ( 30 ) days which XXXX XXXX never sent to me. I am hereby exercising my rights under 16 CFR 313.7 Form of opt out notice to consumers. Also, XXXX XXXX violated the terms and conditions within their banking agreement, because XXXX XXXX states that they do not provide consumer information to third-parties which they violated by reporting my nonpublic personal information to the credit reporting agencies listed above. According to 15 USC 6802 B ) I am supposed to receive THREE different disclosures before my nonpublic personal information is shared but I never received notice. XXXX XXXX ALSO unlawfully sold this debt to a third party collection agency, AFTER the debt had already been tendered in accordance with UCC 3-603. I have never had a contract or agreement with XXXX XXXX and I do NOT consent to them reporting any account to my credit report. I am hereby invoking all rights under to OPT OUT and to Privacy protected by 15 USC 6802 B, 12 CFR 1022.24, 15 USC 6508, 16 CFR 313.7, the Privacy Act of 1974. I also realize that my account is being sold on the secondary market without my consent and if this account is not removed from my report within XXXX hours. I will file a SEC complaint and a 3949a form with the IRS, because I was supposed to have gotten a 1099c from this charge off as its more than {$600.00} so remove this account are I will be forced to get a audit report done.
Product: Credit reporting or other personal consumer reports

This company reported a late payment on my credit report and i wasn't 90days past due i have always kept up with payments and ive tried to speak with them on this matter and the results where not successful.
Product: Vehicle loan or lease

DEALERSHIP PUSHED US INTO A CAR LOAN CANT AFFORD AUTO DEALERSHIP FAILED TO DISCLOSE FINANCING AGREEMENTS AND INFORMATION ABOUT FINANCING LENDER COMPANY PRIOR TO SIGNING CONTRACT, THEY ADDED EXTRA UNWANTED WARRANTY STATING THE LENDER REQUIRED THE ADDED WARRANTY COVERAGE FOR LOAN APPROVAL, WAS FORCED INTO A CAR AND AGREEMENT UNDER DISTRESS NOT ALOUD TO LOOK OR SHOP FOR CHEAPER VEHICLES THAT WE COULD AFFORD EASIER & THEY OVER SHOPPED MY CREDIT REPORT SCORE SO BAD IT LOWERED MY SCORE FORCING ME WITH THE WORSE POSSIBLE LENDING COMPANY AND INTEREST RATE POSSIBLE WITH PAYMENTS I CANT AFFORD THE AUTO INSURANCE RATE AND MONTHLY LOAN PAYMENTS EACH MONTH.WHICH WE TOLD THEM PRIOR TO SIGNING. I'M A XXXX XXXX XXXX WAR VETERAN WITH SERVICE CONNECTED XXXX.THEY ALSO STATED THEY COULDN'T GET A LEASE LOAN AND CALLED ME BACK INTO SIGN A PURCHASE LOAN AFTER 10DAY REQUIRED PERIOD ALOUD BY LAW ADDING MY GIRLFRIEND WHO HAD WORSE CREDIT THAN MINE FOR LOAN APPROVAL THEY STATED Additional Information by Category Breach of Contract The contract was entered into on this date : XX/XX/2017 The contract was : Written, and I have a copy The approximate $ value of the contract is : $ XXXX The contract was breached on this date or over this time period : XX/XX/2017 XX/XX/2017 The approximate $ value that I stand to lose or have lost because of the breach of contract is : I don't know The likelihood that I will be able to collect money from the other party if I win is : Possible Consumer Credit My legal issue is with a : Bank or Credit Union Repossession Collection Agency Debt ( s ) - considering Bankruptcy Other : CAR DEALERSHIP UNLAWFUL TACTICS Consumer Protection and Fraud The entity that committed consumer fraud against me was : A business My consumer protection / fraud case involves : The sale of consumer goods The performance of services Other : OTHER OPTIONS NOT PROVIDED AND FRAUDULENT. DISTRESS CAUSING RESULTING IN HARM Repossessions Date the property was purchased : XX/XX/2017 Amount of money owed on the property : $ : XXXX I am the : Owner of property that is subject to repossession The property subject to repossession is : A vehicle Date of last payment on the property : No payments Collections The date or time period when the debt was incurred : XXXX The debt relates to these goods or services : EXTRA WARRANTY 'S ADDED, LOAN FINANCING, FORCED INTO A NEW CAR PURCHASE NOT VEHICLE OF CHOICE I am seeking to : Defend a collection action against me The following actions have been taken against the person who owes the debt : Request for payment I am : Other : XXXX XXXX XXXX WAR VETERAN The collections amount is $ : XXXX
Product: Debt collection

Midland sold my debt to XXXX XXXX XXXX. I am unsure as to why Midland keeps reporting my debt. I contacted XXXX XXXX firm twice per the attached letters and have not received what I requested. I then proceeded to contact XXXX to dispute all this and XXXX along with Midland stated that the debt was correct without once again providing me with the information I requested. Again, Midland should not be reporting this debt since they sold it and XXXX XXXX did not provide me with the documents requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SUBMITTED DISPUTES TO VALIDATE THE FCRA VIOLATION PER INCORRECT CREDIT ACCOUNTS LISTED ON MY CREDIT REPORT. THE CREDIT AGENCY REFUSE TO REMOVE THEM EVEN AFTER PROOF WAS PROVIDED TO THEM THAT THESE ACCOUNTS WERE IN ACCURATE.
Product: Debt collection

In XXXX, while living in XXXX, I opened a car policy with XXXX XXXX. In XXXX of XXXX, I relocated to XXXX XXXX Sometime in XXXX, I contacted XXXX XXXX to update my information. In XXXX, I switched to a new insurance company ; the policy started on XX/XX/XXXX. According to XXXX XXXX rules, the new agent sent XXXX XXXX the appropriate form to cancel the previous policy. My new agent promptly provided the necessary cancellation forms to the insurance company on multiple occasions ( XXXX XXXX and XXXX XXXX ) ( please see the attachments ). 

Between XXXX and XXXX, I received multiple letters from XXXX XXXX demanding payments. The numbers did not match my previous policy. I tried numerous times to contact XXXX XXXX and could not find a solution. Further, when I tried to log in to the XXXX XXXX portal, the website stated that did not have a profile ( please see attachment ). 

In XXXX, I talked to a XXXX XXXX representative who explained that I had two policies, one for XXXX  and one for XXXX XXXX. When I called to update my information, the XXXX XXXX agent created a new policy, effectively over-insuring me and illegally charging me for two policies. In that conversation, the representative explained that I could cancel the policy for XXXX  but not XXXX XXXX because the latter requires a Cancelation Request/Policy Release form to be turned in. I explained that the agent at my new insurance company had provided that information. The XXXX XXXX representative said she did not see the form. 

I requested the new agent to submit the form once again. In total, she submitted the form three times. Further, she called XXXX XXXX. XXXX XXXX acknowledged they had received the cancelation form. 

In XX/XX/XXXX, XXXX XXXX sent the North Carolina DMV a no-insurance notice. Because of this notice, North Carolina canceled my registrations and plates- even though I was fully covered through my new policy. 

On XX/XX/XXXX, I received a text message from " Credit Collection Services '' regarding my previous account with Framers Insurance. I received other text messages on XX/XX/XXXX, for a total of three text messages. The text messages stated that I should contact XXXX or www.ccsnotice.com, reference file # XXXX ( please see attachment ). 
Another text message stated that I should contact XXXX or www.ccspayment.com. 

When I contacted the debt collector, I requested documentation and clarified that I intended to dispute the debt. The debt collector representative said I should get the paperwork within 30 days. I am still waiting to receive correspondence from the debt collector. 

I am disputing this debt for the following reasons : 1. The debt is not valid. XXXX XXXX illegally created two policies for identical vehicles and failed to follow proper procedures when the company 's agent provided the necessary forms. 
2. The debt collection company still needs to provide documentation regarding this debt. 
3. The collection company contacted me on a Sunday.
Product: Credit reporting or other personal consumer reports

XXXX erroneously flagged my accounts to the consumer credit reporting companies. XXXX XXXX notified me a " skip can not locate '' alert appeared on my credit report and Experian notified me, " XXXX XXXX XXXX has flagged your account as Not Paying Off Your Balance and Can not be Located on XX/XX/2024. '' I am currently on an income driven repayment plan and my monthly payments are XXXX XXXX I called XXXX to discuss why I was flagged as a " skip '' account as I have never missed a payment and recently received mail correspondence from them dated on XX/XX/2024 with the total amount due {$0.00} ( please see attached ). The representative informed me the address they had on file was not correct- the address she provided I told her was in fact correct and has never changed. I additionally told her I have been receiving their mail correspondences. She then opted me into paperless option. The measures XXXX took for an account that was not delinquent were very extreme. My credit score plummeted into the XXXX and my FICO score dropped consequently. I filed a complaint through the XXXX and XXXX responded via their portal in my messages with the attached " personal letter ''. They agreed my payments are {$0.00} and still will not correct the errors they made. My account has never been a delinquent account and my address has never changed. I am an extremely responsible consumer and always pay my bills not only on time, but in advance. My credit score was almost XXXX prior to this incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit account open for several years with Wells Fargo, currently with no balance. Periodically I would check my online account with them just to insure there were no unauthorized charges and everything looked ok. I tried logging into my account and had to " try again later. '' I tried the next week and got the same message. I thought that maybe the site was down for maintenance when I was trying. After the third attempt on a different occasion, I phoned Wells Fargo and was told that my account had been closed because I hadn't used it in 18 months. I had no notice whatsoever, either regular mail or email. 
I told customer service that I wanted my account reopened. I was told they would not do that. I asked for her supervisor, then the next supervisor. I got a letter dated XX/XX/XXXX ( copy attached ) that stated that they would not reopen my account. 
In the meantime, I checked my credit report, and they had falsely reported my account " Closed by Consumer. '' Of course that lowered my available credit and showed that I was using a higher percentage of same, and it lowered my credit score. I filed a dispute with XXXX  stating that I DID NOT CLOSE my account. The result of the dispute came back showing no difference. I am adding a statement to my credit report that Wells Fargo LIED about my account 's closure. 
I received a letter dated XX/XX/XXXX ( copy attached ) and it stated " The account will show as closed by customer, as the reason for closure is the customer not using the account for eighteen months. '' I received NO notice of closure, or perhaps I would have used the card for a pending project. I looked over my last statement and could find NO MENTION of a closure possibility. I received NO Mail or NO EMAIL informing me of this situation. I received a letter dated XX/XX/XXXX ( copy attached ) informing me of revised terms. It only listed Revised Penalty terms and privacy notices. NO MENTION OF PENDING ACCOUNT CLOSURE, Please see the Wells Fargo article published in the XXXX XXXX  on XXXX. It states that " Account holders were given a 60-day notice of the closures '', and I absolutely received NO NOTICE. 
It is appalling that Wells Fargo can get away with reporting the LIE of " Closed by Customer. '' This should be against some ruling for reporting false information. I would liked to see them fined into oblivion.
Product: Credit reporting, credit repair services, 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 can not furnish a account without my written instructions.

15 USC 1666B : A creditor may payment on a credit card acco open end consumer credit plan Purpose
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint and Request for Investigation and Removal of Unauthorized Charge-off. XXXX XXXX I am formally disputing and request the immediate investigation and removal of unauthorized and inaccurately reported charge-off entries by a third-party collection agency on my credit report. These entries have severely affected my financial standing, disqualifying me from securing a home mortgage, an auto loan, and any lines of credit. 
It is critical to highlight that I have never entered any contractual relationship with this collection agency. Their actions to report on my credit without a direct agreement are not only baseless but also infringe upon my consumer rights, constituting a clear violation of multiple legal standards pertaining to credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The reporting of charge-offs, which are essentially certificates of indebtedness that I have never agreed upon, appears on my credit report without my authorization. This action is in direct violation of the principles that govern lawful credit reporting.

2. **Failure to Furnish Form 1099-C** : The collection agency has also failed to provide me with a copy of Form 1099-C concerning the cancellation of debt, which is essential for accurate tax reporting and compliance. This omission has potentially placed me at risk of non-compliance with IRS regulations.

3. **Violation of Privacy Rights** : Under the Privacy Act of 1974 ( 5 U.S. Code 552a ), there is a stringent protection against the unlawful disclosure of personal information. The agency 's action contravenes these legal provisions by disclosing personal financial details without my consent. 
XXXX. **No Contractual Relationship** : As I have never signed any form of agreement with the said agency, their report constitutes a direct infringement on my rights as a consumer. 
XXXX. **Opt-Out Rights** : In accordance with the provisions of 12 CFR 1016.1, 12 CFR 1016.4, and 12 CFR 1016.7 along with 15 USC 6802 ( b ) and 15 USC 6805, I am formally opting out of all authorizations, whether impliedly granted, for sharing or reporting my credit information. 
Given these points, I urge you to act swiftly in investigating these claims and remove the inaccurate charge-off entries from my credit report. I expect a written confirmation of the deletion of these entries. Please understand that I am prepared to take further steps, including legal action, if necessary, to ensure the correction of my credit information and to protect my rights. Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution.
Product: Debt collection

This is regarding the account : CREDIT COLLECTION SERVICES XXXX XXXX XXXX XXXX, MA XXXX AMOUNT ( XXXX ) : {$380.00} ORIGINAL CREDITOR : PROGRESSIVE INSURANCE COMPANY DATE OPEN : UNKNOWN This is the third attempt requesting verification and documentation of the alleged debt. This account in violation 15 US CODE 1692g. Ive requested that you provide to me verification of this alleged debt. VERIFICATION CONSISTS OF A FORMAL DECLARATION. WHERE YOU SWEAR TO TELL THE TRUTHS OF THE STATEMENTS OF THE FACT OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspond-ing local state laws. Please note that I am requesting validation, that is competent evidence bearing my signature, regarding original documents, showing that I have ( or ever had ) some contractual obligation to pay you.
Product: Vehicle loan or lease

I filed complaints and the company refused to talk to you because i had an attorney write a demand letter. 
The company refuses to talk to me because of that attorney letter. I told the company my attorney wants to sue them and i have not paid for that yet so they can talk to me. They have not replied to date. 
The company has received XXXX payments from me. All XX/XX/XXXX dates. 
XX/XX/XXXX, XX/XX/XXXX, and XXXX on XX/XX/XXXX.
XX/XX/XXXX another payment was placed into a special account until the other XXXX payments are properly credited. 
I have provided them notarized bank statements where it clearly shows the company received my money. 
Why they are not crediting my account is beyond me. At first the company asked for more clear statements. I showed it was their upload system and not my statements that were unclear. 
I emailed them and confirmed they could read them. 
I then had the notarized statements sent to them and the company confirmed they received those. 
The company seems to want to use fraud in their refusal to credit my payments to my account. 
They received my money, their own people admited it, yet their fraud team and investigations team is deficient and wrong, and when i talked to them i proved they were wrong, yet still no payments credited.
Product: Checking or savings account

I am writing to file a complaint against the Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.