23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX & SAFCO are in violation this is not my information I have the right to make sure my private information isn't shared which is backed by 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 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 XXXX and XXXX are consumer reporting agencies and I am the Consumer According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states 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.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. XXXX and XXXX are not maintaining reasonable procedures. Also 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: Vehicle loan or lease

MY NAME IS XXXX XXXX I BOUGHT A TRUCK FROM A MAN IN XXXX WITH NO LIEN ON TITLE I WENT TO MY DMV IN XXXX  GOT MY PLATES SENT OFF FOR TITLE IN A WEEK LATER THE DMV SENT A LETTER THAT THE TRUCK I BOUGHT HAD A LIEN ON IT FROM WELLS FARGO THE LIEN WAS FROM XX/XX/XXXX IN THE NAME OF ( XXXX XXXX ) XXXX XXXX XXXX VIN # XXXX I HAVE TRIED FOR 7 DAYS TO GET THEM TO RELEASE THE LIEN AS IT HAS BEEN PAID OFF A COUPLE YEARS AGO I FAXED SEVERAL TIME TO 3 DIFFERENT FAX NUMBERS WITH INFO THEY WANTED AND NO RESPONSE FROM THEM I FAXED ORIGINALLY LAST TUESDAY XX/XX/XXXX AGAIN FRIDAY XX/XX/XXXX AND AGAIN TODAY XX/XX/XXXX I FAXED EVERYTHING THEY WANTED-NOW THEY ARE ASKING ME TO FIND THE MAN XXXX XXXX TO GET A BILL OF SALE FROM HIM BUT I DID NOT BUY TRUCK FROM HIM AND I CANT FIND HIM ANYWHERE HE WAS 3 OWNERS BACK HE COULD BE DEAD OR IN ANOTHER COUNTRY -- I KNOW HIS LOAN WAS PAID OFF I JUST NEED A NOTARIZED LIEN RELEASE FROM WELLS FARGO SO I CAN GET MY TITLE FROM XXXX DMV PLEASE HELP ME ITS BEEN VERY FRUSTRATING FOR ME
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. 

remove these accounts listed ; 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 

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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has all 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. 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: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Pursuant to Federal Law Title 15 USC 1666a a creditor shall not directly threaten to report any person adversely on the obliges credit. After receiving notice BRIDGECREST has failed to follow procedures pursuant to FEDERAL LAW Title 15 USC 1666a ( a ) and 15 USC 1666a ( b ) ( i ) after receiving WRITTEN notice the creditor shall not later than 30 days after receipt of notice ( XXXX XXXX XXXX via certified mail and signature for proof. ) send a written acknowledgment and make appropriate corrections in the account. Upon notice which was signed for included an Affidavit of Truth aswell as a Cease and Desist and a Bill of Particulars. BRIDGECREST has failed to comply with the cease and desist order by continuously contacting me. Which all contacts have not been in compliance with Federal Law Title 15 USC 1666a ( a ) ( b ) ( i ) or 1666a ( b ) ( ii ). Instead BRIDGECREST has violated me as a FEDERALLY protected consumer by ignoring my cease and desist order aswell as threatening to take adverse action against any and all amounts in dispute pursuant to federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX ar XXXX p.m. I reached out to XXXX after discovering they have reported a total of 72 lates on my credit report ( 18 accounts showing late 4 times each ). I spoke to XXXX whom then transferred me to Supervisor XXXX. XXXX XXXX stated XXXX is sending proof of payments. A few days later I received a copy of my payment history XXXX sent me ( included in this submission ). The payment history shows a deferment ( this area is marked with a * on the payment history ) during the dates ( XX/XX/XXXX 90 dayXX/XX/XXXX 120 days, XX/XX/XXXX 90 days, XX/XX/XXXX 120 days ) XXXX reported me late. I called XXXX back and was told a law prohibits them from changing a credit reporting and I have to dispute with the credit bureaus. I proceeded to do just that the end of XX/XX/XXXX by sending the payment history received from XXXX with my request. The credit bureaus refused to correct the file giving the reason XXXX is verifying the incorrect reporting as being correct. I placed 3 more disputes there after while continuing to contact XXXX. Nothing was corrected. In XX/XX/XXXX I hired an attorney to assist with this issue. My attorney sent a letter ( attached ) to XXXX ( and ccd all three credit bureaus ) along with the payment history ( attached ) requesting the information be corrected. On XX/XX/XXXX XXXX replied ( attached ) they do not have to investigate 3rd party requests. I then received a letter from Equifax ( via mail ) on XX/XX/XXXX stating XXXX verified the current reporting as accurate ( again ). These late payments on my credit report is NOT accurate as evident in the payment history sent to me directly from XXXX. It is imperative this erroneous information is corrected ASAP as it is contributing to a great financial strain on my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently a victim of identity theft, XXXX, XXXX, and Experian continue to report fraudulent activity on my credit report. XXXX XXXX has been filed XX/XX/2019, they did not comply within 5-7 business days according to federal law.
Product: Credit reporting or other personal consumer reports

This evening, I noticed incorrect accounts appearing on my credit report, and I have no clue why. I checked my credit report as usual, but this time, there were unexpected discrepancies. I tried refreshing my browser, thinking it might be a glitch, but the incorrect accounts remained. Due to this issue, I request a thorough review of the documents Ive sent so I can put this worry to rest.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 


XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

1.15 USC 1692D - Sue XXXX XXXX XXXX XXXX- A debt collector may not engage in any conduct which is to harass oppress or abuse a person in connection with collection of a debt.

Reporting an alleged debt is harassment.

2.USC 1592 cc- If a consumer notifies a debt collector in writing that a the consumer refuses to pay the alleged debt, the debt collector must cease and desist. Reporting your debt is a form of communication 3.15 USC 1681 - Right to privacy Add FTC report for leverage 4.Use these laws to remove bad accounts : Late payments : 14 USC 1666B Charge Offs : 15 USC 6802 or 15 USC 6801 Collections : 15USC 1692 G / 15 USC 1692 CC Experian Breech : 30 day response time : 15 USC 1681i ( a ) Challenge Investigation Protocol : 15 USC 1681i ( a ) 6 ( B ) 3 Challenge Reinsertion Protocols : 15 USC 1681i ( a ) ( 5 ) B 18 usc 894-con-spire make secret plan jointly to commit unlawful act - bank creditor, collection agent can be fined/ ask for contract with your wet ink signature
Product: Debt collection

I lost my debit card last month earlier in the month beginning of this month to this retaliatory XXXX XXXX denial of loans fake Prejudice as PNC Bank and they 're trying to charge me {$110.00} for items I do n't have never received, s supplicating me with any name matching doc, trabsactions slips wherefore where that information transactions or matching the credit card in my name has it appears on my bankthe debt card this has n't been implemented or done for me.this been going on since XXXX XXXX XXXX with soliciting me for money and I never got any of my funds as far back as a year ago I do n't owe XXXX XXXX XXXX any money I have Department of Human Rights complaints pending against PNC Bank for hateful discriminatory crimes and actions they have taken against me at one of their facilities on XXXX and XXXX I was a cruel situation and all they did was made sure that the guy that was involved the branch manager they make sure his XXXX XXXX disappeared right away soon as when I filed the charge vs the bank nonstop harassing calls instead of answering too cfpb, is the Retaliatory norm '' it 's like XXXX XXXX allowing me to open a name up n fraud as a idtheftvicyim, and then sold me at XXXX XXXX a while with two defective heavy battery 's that do n't work..plus upon arriving at XXXX  yesterday the code was not verified to my cell phone as it should had been thnks to a freeze '' on my credit this comp breached and bypassed, a requirement by law, n receipts say pdunn, n thee, computer at XXXX XXXX XXXX XXXX XXXX just dished out a number card, accnt, without security, similar to PNC Bank dish out funds no security then say like " oh u owe overdraft '' no.sorry PNC Bank debt collectors no license I owe u zilch
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXXXXXX  XXXX Account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

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, the financial institution and the Consumer reporting agencies XXXX, XXXX, and Transunion do not have my consent to furnish this information and they surely do not have my written consent.

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, Transunion, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 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 reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX is showing Negative accounts that not listed on my credit report. Also hard and soft inquires were not apporved by me. 
In accordance with the Fair Credit Reporting and XXXX, XXXX has violated my rights. 
15usc 1681 Section 602A State I have the Right to privacy.

15 usc 1681 Section 604 A Section 2 H also states a consumer reporting agency can not furnish my account information without my written consent.
Product: Debt collection

This debt collection agency is reporting wrong informatiom to my credit report. For one the date they reported the account was opened is wrong. They have also stated that they are reporting on behalf of XXXX XXXX which is false. I have a letter from XXXX XXXX which proves the statements are false as well as the dates reported. This company cant verify this debt because they have nothing in writing or nothing that I signed from XXXX XXXX as it states in the attached letter.
Product: Bank account or service

I have an account with US bank for which I used to conduct my primary day to day financial transactions. I have on three occasions make my credit card payment to another bank. And on all three occasions, my bank US bank have play these games with my account in which to do high and low stacking of processing of my accounts. The last time that did it for me was yesterday. I had paid {$200.00} on credit card account on XX/XX/XXXX. The authorization came through and US bank took out the money. There were sufficient funds in the account when I made the payment. US bank took the money out my account and held it until XX/XX/XXXX when they held the fund until they had sufficient transaction to reject the authorization, take out {$36.00} from my account and return the payment as insufficient funds authorization. This is not the first time they have done this sort of thing. I am fed up and I am not going to take it anymore. US bank keep playing these games with customers with low balances and I thought the new banking regulations were suppose to stop this. They should not have pull the fund made it unavailable, sit and wait until they find it convenient for them to access overdraft fees to make money off me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to the 3 Major bureaus in regards to a repo that's showing on my reports that is not mines, advised XXXX, XXXX, and Equifax and nothing was done, I even received paperwork from the company. Attaching it along with this document, Ijust want this removed its hindering me, this repossession is not mines and I'd like to get this handled in a timely fashion if possible.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ( XXXX, XX/XX/year>, {$99.00} )
Product: Credit card or prepaid card

Hello, I received an email from Bank Of America dated XX/XX/2022 asking me to remove the restriction on my credit report if you want us to review your application for XXXX XXXX XXXX XXXX. Two problems with that request. 

I don't apply for credit card application with that company and nor did I authorized them to check my credit ( my credit is locked ). 

I sent that an email ( XXXX ) on XX/XX/2022 to informed them this email was this is a possible potential security concern or fraudulent activity. I have not heard back. 

Honestly, I just don't think this is good business activity and should be look into further. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX and XXXX XXXX XXXX. Please correct and update.
Product: Credit reporting or other personal consumer reports

Violations of : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) Credence Resource Management ( {$1000.00} Collections ) has unlawfully and illegally reporting derogatory information on my credit report without proper authorization. I have repeatedly informed this company that information was compromised due to XXXX XXXX XXXX. This is not a credit transaction initiated by me. Additionally, I will be filing Federal complaints against Credence Resource Management for these unlawful practices because my consumer rights have been violated. I have not authorized them to report any information about me, and their actions violate the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for reporting such information. Their failure to comply with these legal requirements has caused harm to my credit standing. I request that the CFPB investigate this matter thoroughly and ensure that this derogatory information is removed from my credit report immediately. Credence Resource Management failure to adhere to these legal standards has significantly damaged my credit standing, and I expect immediate corrective action. 
This failure to provide adequate proof of the alleged debt is a violation of my rights under federal law. I requested for Credence Resource Management to provide verifiable proof of this debt and clarification of how the alleged collections was verified, I have not received anything. This raise concerns about their compliance with legal requirements. In accordance with the Fair Credit Reporting Act ( FCRA ), I have not given them the authority to access or report any information related to me. Their actions are in violation of the FCRAs requirement for a permissible purpose in reporting credit information. Again, I will be filing complaints at federal levels to address these violations and then seeking a lawyer. I have given Credence Resource Management a fair opportunity to clear this up, however I am still being harassed.
Product: Payday loan, title loan, or personal loan

I am passed trying to get a response from Wells Fargo that is accurate. I am reporting this negligent and irresponsible behavior by Wells Fargo in the deceiptful manner in which they serviced our HELOC which began with XXXX. I discovered that my HELOC account statement was nothing like the HELOC account statements for other HELOC. My account statements haven't changed since 2011 and seriously doubt they meet compliance regulations. I've been mistreated and denied the same privileges and services that should be available to all. I can not imagine the fall out, but I expect Wells Fargo to be held accountable. Deception continues by this bank and what an embarrassment to many. Being manipulated by Wells Fargo is not a good feeling and those that police this business and their practices failed. I would hope this warrants your attention.