23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

" 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. '' XXXX 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. '' ( 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. 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: Checking or savings account

On XX/XX/XXXX, I contacted SunTrust Bank ( VA XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ) XXXX XXXX. I asked the bank to cancel my OverDraft Protection because I wasn't notified over the phone when I signed up for it that if your account is XXXX the bank will charge you XXXX for not have money in your account although there was NO bounced check? Then the bank bounced a check for XXXX from XXXX XXXX. Which is a company I have never ever heard of which cost me nearly XXXX. I asked the bank to cancel this company because I've never provided my bank card to XXXX XXXX and have no idea how they used my bank check card to pay for this service. SunTrust filed to case ( s ) XXXX for XXXX in XXXX, XXXX and Case XXXX for XX/XX/XXXX for XXXX. SunTrust said they can not reimburse for all the transactions unless I know when the money was taken? I attempted to change my OverDraft Protection to NO from my online SunTrust account but each time it resets itself back to YES. So I asked the Clerk over the phone to cancel the OVERDRAFT PROTECTION and she said that she was unable to do so. 

Please help me. I really would appreciate any help you can advise as you have in the past provided me with EXCELLENT Service. So I am calling upon you again for your assistance as my requests are falling on deaf ears again.
Product: Debt collection

I bought my vehicle from American car center around XXXX. When they filed for bankruptcy, Westlake Portfolio Management took over my loan and title. I lost my job around the end of XXXX and was job hunting, in that time, I attempted to contact them several times via email and phone number. Their agents primarily work from home so I either couldnt hear what was being said or the call just dropped. In my emails, they werent professional in response times and have even restricted my access to look at my account both online and via the Westlake portfolio management website. I just got a job outside of my city and was going to call and see if I could set up a payment plan for back pay when I was contacted recently saying my account is in charge off status and they are requiring a settlement from me. Ive called, emailed, even left a review briefly expressing my issue and the company fails to take their responsibility for the lack of communication. They furthermore said I have until the XXXX of XXXX to pay them XXXX XXXX dollars to keep my vehicle otherwise they would repossess it. The last time, they illegally repossessed my vehicle without formal notice. I had to call around for 2 days to figure out where my car was and how to get it back. I am not the only one dealing with these issues, in fact, just in the last couple of weeks, other customers have left reviews detailing that their situation was similar to mine. I spoke to a supervisor today and he told me he couldnt help me. At this point, Im considering reach out to get legal protection and assistance from them due to their unprofessional conduct.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report this morning, I was surprised to see inaccurate accounts listed, and I have no clue how they appeared. I check my report regularly, but this time, unexpected errors were present. I even refreshed my browser in case it was a simple glitch, but the inaccuracies did not disappear. Because of this, I am requesting a thorough examination of the documents I have sent to prevent future concerns.
Product: Checking or savings account

XXXX XXXX sent me a check claim refund for {$310.00} from their Bank of America account. Someone stole my check and printed their name on it, right underneath my company name. I don't know this person, other than he obviously has a XXXX XXXX XXXX to ours in the XXXX XXXX USPTO. That someone deposited my check in their XXXX XXXX account even though the name on the check was meant for XXXX XXXX Bank of America cleared the check even though the company name did not match the company name on the check. 

I requested XXXX XXXX and Bank of America to reverse the transaction and give the money to us. But, they said the money is already deposited and there is nothing they can do about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting XX/XX/XXXX, XXXX XXXX illegally changed the due date on all my credit card accounts with them. They have also changed the due date for tens of thousands of their card holders. In doing so XXXX  XXXX violated Federal Law as well as my rights and the rights of thousands of their cardholders : The three accounts where dates were illegally changed are as follows : XXXX XXXX XXXX  XXXX. Account XXXX XXXX {$4700.00} XXXX XXXX XXXX XXXX. Account XXXX XXXX {$7600.00} XXXX XXXX XXXX  XXXX. Account XXXX Balance {$5400.00} TILA ( Truth in Lending Act ) ,15 U.S. Code 1637 and CARD ACT of 2009, ( o ) DUE DATES FOR CREDIT CARD ACCOUNTS- ( 1 ) IN GENERAL - The payment due date for a credit card account under an open end consumer credit plan shall be the same day each month. 

From XX/XX/XXXX XXXX XXXX unilaterally without permission and illegally changed mine as well as other customers ' due dates and continued to fraudulently report these inaccurate dates and incorrect reported dates to credit reporting agencies. Worse, they did not make any notice on the statement about account changes as prescribed by law. 

As per Sec 127 15 U.S. Code 1637 it is clear the due dates can never be changed unless a consumer requests it. XXXX XXXX willfully violated the due date nullifying all late payments as invalid as the due date was not correct thus any lateness reporting is also false. Furthermore the dates reported are simply inaccurate. On top of this they changed the billing cycle dates, also illegal. I have asked for corrections on this issue with the credit bureaus and XXXX  XXXX multiple times and they continue to report that everything is accurate and their reporting history is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. Midland furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. Furthermore, I was never sent correspondence notifying me that this account was sold to Midland Funding, nor have I received proper validation from the original creditor. When I contacted the original creditor to inquire about this unverified account, I noticed that the balance on my credit report is not the same balance that the original creditor is reporting. How is this valid? I also received nothing in the mail leading up to this collection being reported. Attached is the debt validation letter that was sent last month which is dated and time stamped. According to the FDCPA Im entitled to XXXX dollars per violation. I demand this company to delete this account from my credit report or I will have no choice but to forward this to my litigation attorney.
Product: Mortgage

I received a check from my homeowners insurance for a roof replacement. The check was forwarded to Select Portfolio Servicing , Inc. in XXXX XXXX XXXX, UT for their endorsement. When the check was not returned in a timely manner, I submitted a complaint. The check was received a few days later, however, I received a phone call from SPS stating that the call was an attempt to collect on a debt. I have never been late on my mortgage payment in the 14 years I have owned my home. The caller then stated he was trying to get updated information. I complained to SPS via their ombudsman about the phone call and received a letter ( attached ) that addressed the check, which was handled. As to the communication problem, there was no verification that I was not late on any payment and, further, that I had a payment due XX/XX/XXXX and I should contact the company. Page two ends with the statement that the letter is an attempt to collect on a debt. I feel that SPS is making an attempt to commit fraud and take my house in a foreclosure. Clearly, I am being harassed by them and believe I should begin legal action to protect my property.
Product: Credit reporting or other personal consumer reports

XXXX XXXX with fake XXXX XXXX and XXXX that XXXX XXXX XXXX XXXX  have on your records and he here from XXXX here on an XXXX  using my personal identifiers XXXX confirmed by XXXX XXXX XXXX deeds he stole my property using his XXXX XXXX XXXX  on a fake conevant deed as his wife XXXX that he purchased my home XXXX XXXX XXXX XXXX XXXX XXXX loan XXXX from XXXX XXXX for XXXX a lie . XXXX XXXX XXXX department XXXX XXXX XXXX ext. XXXX has confirmed he gotten four credit cards also associated with XXXX XXXX as ending XXXX, XXXX, XXXX, XXXX and now XXXX  XXXX ending XXXX damaging my credit file and score and harm me with about 30 loans all hitting my credit file without clear title. Then he cash two escrow account checks in my name XXXX. XX/XX/XXXX XXXX. Mailed out by XXXX at XXXX XXXX XXXX assign claim no. XXXX for XXXX value of my paid up Mortgage confirmed by XXXX as case XXXX. Then whereas he lied he purchased from XXXX XXXX XXXX XXXX fake loan XXXX that in a letter dated XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX lied of a lender that do not exist as XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX and Investinet LLC continue to report an allege debt that is not owed. The debt has been canceled out reported as income to the IRS. Under the IRS publication income can not be reported to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion regarding their repeated failure to investigate and respond to dispute letters I have sent concerning inaccuracies on my credit report. In addition, I disputed incorrect personal information listed on my credit report. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I mailed dispute letters to TransUnion, explicitly requesting an investigation into inaccurate items listed on my credit report. Despite my repeated efforts to address these inaccuracies and adhere to the dispute resolution process outlined by the Fair Credit Reporting Act ( FCRA ), TransUnion has refused to conduct the necessary investigations. I made sure to include a copy of my photo ID, social security card, and recent bill with my current address to help TransUnion verify my identity and address. I received a response back from TransUnion dated XX/XX/XXXX and XX/XX/XXXX stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. I am including a copy of my dispute letter sent to TransUnion, along with TransUnions response as proof. I am now demanding TransUnion immediately and permanently remove the disputed items from my credit report. 

TransUnion 's failure to acknowledge and investigate my dispute letters is a direct violation of my rights as a consumer under the FCRA. The persistence of inaccurate information on my credit report due to their inaction has caused significant distress and uncertainty regarding my financial standing. I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure TransUnion 's compliance with the FCRA. Furthermore, I request that TransUnion promptly conduct the necessary investigations into the disputed items on my credit report and permanently remove the disputed items.
Product: Money transfer, virtual currency, or money service

crypto.com is a giant scam, they charged me {$50.00} to access my funds, and there withdrawal limit is {$100.00}
Product: Credit card

I was charged twice for late fees over the amount of {$8.00} after the CFPB banned excessive credit card late fees. Once in XX/XX/year> in the amount of {$35.00} and another time in XX/XX/year> in the amount of {$28.00}. 

https : XXXX
Product: Credit card or prepaid card

I was away XXXX to XXXX of this year an ex-girlfriend looks to be responsible for several unauthorized charges on three of my credit cards who continue to report negative status to all three bureaus in violation of the fcra rules when it comes to unauthorized charges. This is negatively affected my life and it's starting to compile and snowball other cards and I've heard stories of where it's heads and I'd like to see pfb to enforce the rules that it's put together to enforce and have the banks comply.
Product: Credit reporting or other personal consumer reports

I am requesting that review my credit profile and identify any inaccuracies in the listed accounts. I understand that complete compliant reporting is mandatory, and any disputed allegations associated with a non-compliant account are not compliant if not proven to be true, correct, complete, timely, or mine. I request that remove any challenged or disputed misinformation immediately by fully deleting each instance, including any aspects of the unproven reported chicanery. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I do not authorize the bureau to report non-compliant information and you must comply. 

I am now enacting my consumer and civil rights to demand that XXXX remove any non-compliant information through full and permanent deletion or provide adequate testimony to document your compliance with XXXX XXXX data formatted reporting regulation standards. Failure to remedy this will lead to my rightful civil actions to seek monetary resolution via a court in my jurisdiction. 

Please provide information on how you have verified these items, along with physical proof of verification. No entity may include adverse information that lacks physically verified validity of truth, accuracy, completeness, and compliance to XXXX XXXX standards. I appreciate your attention and cooperation in bringing my credit report into 100 % complete compliance.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 

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 {$8200.00} ; XXXX XXXX XXXX Balance : {$170.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$760.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3500.00} ; XXXX XXXX  XXXX Balance : {$25000.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX - XXXX XXXX - XXXX INQUIRY - XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Vehicle loan or lease

I opened this loan in  XXXX  2014 under car finance which sold to now flagship credit, during the whole course of my loan at an interest rate of 14 % the balance never goes down I have asked for an itemized statement on many occasions and the statement continues to be deceptive with what they see to decide at the time to post to principle on my last payment I paid   XXXX   I asked on the check to apply all to priniciple and instead my statement said interest I am now behind on the loan because despite trying to resolve my payments of  XXXX  to pay off the car I can not get an answer, As of recent I called on four occasions and no one returns my call I finally got a   XXXX   on the line yesterday she has now stated the car is out for repossession I said this is ridiculous I left several messages to get this account resolved she then stated if I paid   XXXX   it would bring the loan current and prevent charge off but it is out for repossession so you could still lose the car I said after almost three years of payments of  XXXX  over 13k my balance is only down  XXXX ? she then says call me back by end of day, that was yesterday the  XXXX  I call back and get a gentlemen telling him I would be able to come up with the money he said LOOK   XXXX   THAT IS NOT HOW IT WORKS HERE I said excuse me   XXXX   said that was what we were working with I said please have her call me So she finally calls me around   XXXX   XXXX   XXXX   and I am with a client I told her I was going to pay the loan  XXXX  but needed till wednsday  XX/XX/XXXX  she said hmmmm that could be to late. I then get an abusive call at  XXXX  from  XXXX  ( repo ) he left me a message said the bank just wants the car back no payments from you. I call  XXXX  this morning  XX/XX/XXXX and they tell me no one by that name works there What do I do? They are taking my pmnts and pocketing all the money not reducing the loan and now threatening my car to be taken away by strong arming me after hours The account number is you can  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, XXXX, XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX # XXXX, XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX bankruptcy dismissed # 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: Debt collection

During pandemic fell behind on rent applied for Housing is key rental assistance it took a while but it was approved and they got monies never applied it to balance now it is in debt collection with some attorneys and I submitted paperwork disputing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, There was a hard inquiry made on XX/XX/2017 that I did not authorize by the company called XXXX, I did sign any document giving permission for this hard pull nor did I authorize anything. I was looking over my credit and noticed this error.