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. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # 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 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 Anv 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. 16815-2 ( A ) ( 1 ) A person shall not furnish an information relatina to a consumer to anv 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

FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX  XXXX, Tx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX. FCRA Violation : employment not mine XXXX, XXXX Staffing, The XXXX XXXX. FCRA Violation : never late paid in full should not be a charge-off status XXXX {$94.00}, SUN XXXX XXXX FCRA Violation : credit card not mine XXXX XXXX XXXX {$170.00}. FCRA Violation : collections not mine XXXX XXXX XXXX XXXX {$5900.00}, XXXX {$240.00}. FCRA Violations : hard inquiries not mine XXXX XXXX XXXX, XXXX XXXX TX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FINANC, XXXX XXXX XXXX MOT, XXXX XXXX  XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. 
Fraudulent Account : XXXX XXXX XXXX : Account # XXXX  : Balance : {$XXXX} Fraudulent Account : XXXX XXXX XXXX : Account # XXXX  : Balance : {$XXXX} Fraudulent Account : XXXX XXXX : Account # XXXX  : Balance : {$XXXX} Fraudulent Account : XXXX XXXX credit : Account # XXXX  : Balance : {$XXXX} Fraudulent Account : XXXX XXXX XXXX XXXX : Account # XXXX  : Balance : {$XXXX} Fraudulent Account : XXXX Bank : Account # xx : Balance : {$XXXX} It is unacceptable, and a violation of federal consumer protection laws, that I continue to face harassment and fictitious debts due to the unauthorized account and unauthorized inquiries. Your agency failure to delete these fraudulent entries will be direct violation of my rights under FCRA Section 605B ( 15 USC 1681c-2 ) ( a ). The FCRA requires immediate removal of fraudulent information from credit reports following a valid identity theft report, which I have provided. Such inaction is further aggravating the distress caused by this identity theft. There has been no legal proof of the marks has been provided or proven. I have reported the theft of my identity to the Federal Trade Commission ( FTC ) and have enclosed copies of the supporting documents, including the FTC Identity Theft Affidavit & Other documents. This unauthorized reporting has negatively impacted my credit standing. I respectfully request that the FTC, FDIC, & CFPB investigate this matter and take appropriate action to ensure that the erroneous and derogatory information is removed from my credit report. I am also pursuing complaints at federal levels to address these violations.
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 Account Number : XXXX Account Name : Untitled 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

XXXX have potentially negative on my account even doe i haven miss a payment. in XXXX XXXX XXXX contacted me and wanted me to send them paperwork for payment for XX/XX/XXXX and XX/XX/XXXX. i could n't and they was taking about taking my car if you take a look at my account from XXXX XX/XX/XXXX tillXXXX XX/XX/XXXX never miss a payment. I end up paying XXXX extra notes to catch up because i did n't have paperwork, now XX/XX/XXXX enough payment is missing. that potentially negative need to be removed. also my account started at XXXX XXXX and it still have n't move bal XXXX after 21 payment made please invastigated this company.
Product: Credit reporting or other personal consumer reports

Experian has adjusted my credit score for the past few years by upwards and downwards of XXXX XXXX XXXX with no provocation nor justification. I have done XXXX  complaints, contacted the company, and threatened to report them to the FCRA and seek an attorney. All methods have been ignored they give me a generic response on credit scores changing for no reason and with no changes in creditors or credit lines. They have ignored my requests for an investigation into this matter. They have done nothing and the last instance was dated XXXX XXXX the previous date XX/XX/year>. This has been happening every few months for several years now dating back to as I can tell XXXX no one can explain the reason no one even tries and nothing is corrected. If they do not respond and investigate I am going to file a complaint with FCRA and get an attorney to file paperwork against them.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and am requesting that all accounts associated with this breach be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The following accounts should be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts were compromised as part of the data breach, and I kindly request their immediate removal from my credit file. Please confirm in writing once the accounts have been deleted and provide me with an updated copy of my credit report.
Product: Student loan

Navient has been harassing me and my co signer for about two weeks now in regards to a payment. The issue is that their system is not allocating the correct money to the XXXX accounts hence why XXXX account is being over paid and another loan account is being shorted. Notes have been placed on the account and not XXXX person that works there has fixed this issue. The calls are about XXXX times per day per person, I have explicitly stated that this is harassment and they have told me they have placed notes to not call again but they still do. This is such a frustrated situation and I hope nobody and to go through this!
Product: Vehicle loan or lease

We purchased a car through   XXXX   XXXX   XXXX   that was financed throug h Westlake Financial i n  XXXX   2015 . We had to pay {$7000.00} cash down and another {$2000.00} to  XXXX   XXXX   XXXX  to sponsor the deal. After a year of payments and no tag, I contacted  Westlake Financial and asked if they could assist they had the title to the car. Westlake informed me that they did not have it but would be able to get it for me, if I signed some documents for me. After about 3 months, I again called Westlake Financial and sp oke to  XXXX   XXXX  and was told that the title had not been obtaine d. Westlake then stated that they could pick up the car and at the time that they had the car in their possession, they would then mail me a check for my money. The Westlake a gent was unsure as to how much money would be refunded to me. I made loan payments for 1 year - {$6000.00}, plus the down payment - {$7000.00}, dealer fees - {$2000.00} and insurance payments - {$1500.00}. My out of pocket costs so far - {$16000.00}. The interest rate on this loan was : $ 20 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Experian on XX/XX/2023, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. This was already included in my prior COMPLAINT XXXX, and I'm including it again. XXXX XXXX  XXXX XXXX XXXX  {$630.00}.
Product: Credit reporting or other personal consumer reports

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

Landlord harassment with malicious intent through collection agency. 

Name of agency : National Credit Systems , Inc. XXXX XXXX XXXX XXXX, GA XXXX Free XXXX Phone XXXX Summary of complaint, I was a tenant at XXXX XXXX XXXX, XXXX  XXXX, in XXXX " Nevada ''. The terms for early termination of the lease were clearly discussed prior to renting. I have attached an email communication. By XX/XX/2020 when the COVID lockdown begun I no longer had the option to stay at the job I had at the time due to minimal operation status. 
By XX/XX/2020 my only option was to transfer to California ( I have attached the letter ). 
I am being targeted by the XXXX 's management company aka. landlord because of my profession and the assumption of a high income. They have sent over {$10000.00} to a Collection agency which is a deliberate action with malicious intent. 


Respectfully,
Product: Money transfer, virtual currency, or money service

Google Pay  demands access to an exterior credit or XXXX account to buy an item. I do not want to link any accounts - just pay for what I buy. Google demands a link to other accounts. This is a process to gather 1000 's of credit card and other payment information. An invitation to hacking and fraud! 
Stop Google from controlling the World!
Product: Payday loan

This " lender '' is very interesting. First they start by approving XXXX for a loan. They ask what one 's paydays are. Then they set up the loan repayment schedule so that the payments are processed the day before the payday -- hoping, I assume, that the payment wo n't be honored, which will force the borrower to pay more fees for late payment. 

Second, instead of a stead payment schedule, the borrower makes XXXX payments of X-dollars in " finance fees ''. For my {$400.00} loan, this means I will pay {$700.00} in finance fees before ANYTHING is applied to the principle -- basically this is negative amortization, at a going rate of 798 %. ( Yes, SEVEN HUNDRED AND NINETY-EIGHT percent. ) Third, after the finance fees, the payment balloons -- it 's 10 % larger for no real reason. Again, my assumption is that this ballooning of the payment structure is to make it more likely to engender some kind of overdraft/late payment situation. 

Finally, they fail to disclose this information in any meaningful sense. It was n't until I had the loan that I was able to review these terms and conditions. I realized I was getting ripped-off, of course. I just had n't realized how much they were XXXX me and in what new and unique ways.
Product: Money transfer, virtual currency, or money service

I am following complaint against Cash App ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act. ( CFPA ). Specifically, cash app well to take timely an effective measure to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ), and regulation E. these actions have called significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I saw a notification from my XXXX  account dated for XX/XX/2022 informing me that someone had opened an account using my name & SSN at the Bank of USAA. 

I didn't see the notification until today, XX/XX/2022 so I called XXXX  and told them that it was not me, and they said they were going to close the account and let their security department know. USAA advised me to call all the bureaus and notify the authorities as well.
Product: Credit card

I have a AAA credit card through commenity Bank ( aka Bread financial ) my interest rate for many years went from 8 % to 18 % when bread financial bought AAA financial. Now, they sent me a letter stating that my credit will go up to 27.24 % I have worked so hard to pay it down but still owe close to {$5000.00}. This is almost criminal and wrong to raise my interest rate almost 10 %. This is just wrong and I will never be able to pay it off if they do this to me
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their own grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. 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. '' ( XXXX XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Equifax 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 Equifax, XXXX, ( XXXX XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX XXXX ) 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. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. 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: Debt collection

I the original creditor ( XXXX ), am in battle with the stated third party debt collectors, stating I owe an alleged debts with them, and that they have validated and verified the debts. This is a a false and misleading statement as third party debt collectors can not furnish my information, and no right to state I owe a debt. I with proof and factual evidence can show that these entities did indeed violate federally mandated laws. XXXX I am seeking monetary relief for these violations as stated by 15 USC 1692k ( a ) ***** in the amount of {$1000.00} per violation. **15 USC 1692 ( B ) **, **15 USC 1692A** , **15 USC 1692B, B ( 2 ) **, **15 USC 1692C ( A ) **, **15 USC 1692D ( 1 ) ** , **15 USC 1692E**, **15 USC 1692E ( 2 ) ( 6 ) ( 14 ) **, **15 USC 1692F ( 1 ) **, **15 USC 1692G** , **15 USC 1692J ( A ) ( B ) *** to name the most obvious. ****15 USC 1692L ( a ) the FTC has full and legal capabilities of enforcing, and ensuring compliance of debt collectors*****. Hold these entities accountable by protecting my rights to collect for these violations {$14000.00} payable to me from each person ( s ) by check within 7 business days of receiving this complaint or face further violations and civil actions.

Third-party debt collector ( s ) are as followed : *XXXX XXXX is truthfully a third-party debt collector with no rights. 

*American Collections is truthfully a third-party debt collector with no rights. 

XXXXl is truthfully a third-party debt collector with no rights. 

*XXXX XXXX XXXX  is truthfully a third-party debt collector with no rights. 

XXXX XXXX XXXX  is truthfully a third-party debt collector with no rights.
Product: Credit card or prepaid card

I purchased two beds on XX/XX/2022, a side table on XX/XX/2022 and one other bed on XX/XX/2022. The first two beds and the side table were delivered to our address in XXXX, Florida. The thirds was scheduled to be delivered to our home in XXXX, Texas ( this was also supposed to be delivered in Florida ). We were told it is our mistake even though the order was placed by a Macy 's representative over the phone. We decided to return all the furniture and requested a refund. The bed being delivered to Texas was never delivered and the beds and side table that were delivered to Florida was going to be picked up. 
After several phone calls and multiple hours spent with Macy 's representative in different departments and different parts of the world, the piece of furniture were picked up in XXXX separate pickups. We have requested for a refund as none of the beds or the side table were opened from their original packaging. 
Macy 's have give us every excuse under the sun, are in position of the merchandise and are refusing a refund. 
Macy 's credit card refused to place the debits in dispute or provide us a refund.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I was approved for a {$200.00} advance. On XX/XX/XXXX, I paid the original {$200.00} plus a {$35.00} fee for a total of {$230.00}. I applied for another loan and found to be qualified for their maximum amount of {$250.00}. Again, I successfully paid that loan along with their fee for a total of {$290.00} this past Friday, XX/XX/XXXX. 

I went back into my account and found that my account was locked. I called the company and was told that because I live in Hawaii, that they could not lend to me as they are not licensed in my state. I explained to them and they could see that I had successful borrowed 2x before, but come to find out that my information that was transferred to them by a 3rd party had my street address correct, but my incorrect zip code, which put in in CA. 

I explained to them that if it was a matter of having a CA address, that I could give them my office address in CA, but was told that I needed proof of residence. I forcefully told them that I didn't need that when they pursued me to use their services and that they knew good and well that I was in Hawaii because they commented on the weather and asked if it was sunny. I said that it was and demanded compensation for the fraudulent act on behalf of their company.
Product: Debt collection

Hello, On XX/XX/XXXX, I received 2 phone calls and 2 texts. The 2 texts stated that " documentation has been received including my name and SSN ''. The same day XXXX received a voicemail at XXXX XXXX from a guy by the name of XXXX ( pronounced Read-in ), phone number XXXX, stating that he was an Identity Monitoring Specialist from some so-called " Benefits Service Center '' and he had information that needed verification and to return his call. I did not return this call due to it sounding like a scam. 

On XX/XX/XXXX, XXXX XXXX from " ARS '' at XXXX XXXX called from XXXX. She claims to have my credit report in front of her stating that I owe money to an account already paid. I have looked at my XXXX, XXXX, and XXXX to prove that the account mentioned was not on the reports. When I asked for a letter VIA mail ( rather it be USPS, XXXX, or XXXX ) she responded that letters have been sent and I had 30 days to pay and it would be a waste of time to send a letter. She told me to provide proof that it was paid off. To my understanding, I believed that the debt collector was obligated to provide and/ or have all required information regarding the said account. She failed to respect my request so in return I respectfully told XXXX that I paid the account and I am not paying something twice. Not to mention she was very rude towards the end of the call telling me " is it really that hard to get proof from 13 months ago ''? She told me goodbye and hung the phone up before I could complete my portion of the conversation. 

Another company told me the account was closed back in XXXX meanwhile this company is stating its been closed for 13 months. 

I will not be another victim of a scam and will ignore all other communications with this company. 

The company they state I owe will not allow new lines of credit if one owes a debt. I've made future purchases with this particular company and would only be possible if past debts have been settle/ paid.