23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX is an identity theft victim. Someone used his information to establish several fraudulent accounts without his consent. Some of the applications submitted resulted in fraudulent related inquires. A formal dispute of those inquiries was sent to the respective organization however the inquiry was not removed ; this is a violation of FCRA regulations. A dispute was then sent to the credit bureaus and again the inquiry was not removed, another FCRA violation. As of this morning a credit report found CCB ( Comenity Captial Bank ) is reporting the fraudulent inquiry generated to XXXX X/X/17.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX 2017. I applied for a payday loan with Cash Central Community Choice financial. I was turned down, I do not even believe they submitted anything, they are Using correct information you applied on the Online computer system. It does not even seem to be correct. all this information is transmitted into a computer system to be used later, and it may hurt and it may hurt a person severely. I can see these people using it for that purpose. they do not intend to give anyone a loan they are just getting all the information up they can to hurt someone later on. they mere intentions are to be on your credit score for publicity Only. No intentions of giving any one a loan just like previous company does. I did not want to apply online but they said they information was secured and it would be alright. I have been turned down for so many payday loans here in XXXX tennessee. I am wondering are they using someone else information so they could have reasons to not approve my case. so I can get a loan. It is just ridiculous that these companies are doing this to people. the one 's who need it the most can not even apply. and get a loan through any of these companies anymore. I think they are using not verified information and turning all of Us down for no reasons at all.
Product: Debt collection

JH portfolio violated their no contact order and sent a letter in the mail to me on XX/XX/XXXX, AFTER they were ordered by the judge to CEASE AND DESIST. I filed chapter XXXX bankruptcy with case XXXX FL on XX/XX/XXXX and the case was discharged on XX/XX/XXXX. However, JH portfolio drafted this letter on XXXX/XXXX/XXXX and mailed it my home AFTER my discharge. The creditor was contacted in XX/XX/XXXX and scheduled to appear at my meeting of the creditors on XX/XX/XXXX. JH Portfolio were a no-show, therefore discharging my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX card acct # XXXX and my Chase credit card acct # XXXX XXXX has violated my rights. And also my Chase credit card # 15 USC 1681 section 602 states I have the right to privacy. 
15 USC 1681 section 604 A Section 2 : It is also states a consumer reporting agency can not furnish account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end of consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I notice I have a hard inquiry that is fraudulent. Please remove the fraudulent hard inquiry from my credit report XXXX XX/XX/2016.
Product: Checking or savings account

Bank of America XXXX closed my account kept my acount frozen for 3 months after all proper identity given funds are revered and negative on my account which is about XXXX and will not release my funds when clearly on black and white they are at fault. need help thank you
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my credit report and found multiple mistakes regarding late payments. These do not match my usual payment record. Please address these errors and make the necessary updates.
Product: Checking or savings account

Bank is using my funds against my will. I did not consent to a XXXX  interest rate or a another 3 months CD. I want to close all my accounts. I no longer wish to do any more business with them.
Product: Consumer Loan

I turned in the XXXX lease car for a new lease car at nissan dealership. I was told all would be taken care of. XXXX debt collectors begin calling about damage to XXXX of {$400.00}, harrassing phone calls, were told to stop ..kept calling ..were told to send info about lease car damage ... none sent..calls continuing..XXXX XXXX XXXX, XXXX XXXX various numbers used
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and saw unauthorized inquiries on my report. The unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 USC 1681. 15 USC 1681b states A person shall not use or obtain a consumer report for any purpose unless 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section, and 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f )
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 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 has violated my rights. Or list of inquiries XXXX XXXX XXXX  section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX person shall not furnish XXXX  information relating to a consumer to XXXX  consumer reporting agency if the person knows or has reasonable cause to believe that the information is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that there was an unauthorized hard inquires from DISCOVER FINANCIAL SERVI on XX/XX/2018 on my XXXX credit report that i did not make, i called XXXX to have this removed and was told they cant remove or dispute hard inquires although they are aware i did not make it. 

I noticed every since i became a member of XXXX  i get hard inquires things start to appear on my credit file out of know where as if an employee has stolen my information and using it for there own benefit. 

I did not make this hard inquiry, i was driving from another state when i received the notification ... someone from XXXX or discover financial is working together using my info TO OBTAIN CREDIT.
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. 
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, has violated my rights. 


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: Vehicle loan or lease

I bought a SUV from XXXX in XXXX XXXX, FL. I was having issues with them from the very beginning. They never in 6 months gave me a tag for the vehicle. They gave me a temp tag. After that first month they gave me a second temp tag. Months 3 they said they couldn't give me another temp tag. Problem is they never got my tag from the XXXX. I called the XXXX and they said that XXXX would have to get me a tag. At that point I had been stopped by the police because they never gave me a tag. I was riding around for 2 months with an expired temp tag. I went back and they gave me a third temp tag. I told them that I can't keep waiting for my tag. They said it would only take a week for my tag to come in. A week later, still no tag. After that month the third temp tag is now expired. Because I never got a real tag from XXXX my vehicle was towed from my appointment complex because of expired tags. When the vehicle was towed I told them that they can just take the vehicle back because I was tired of dealing with the waiting game that never ended. On top of that the loan company never sent me any paperwork for my loan and lost my first payment saying it was never maid when it was clear as day taken out of my account and the payment was made at the dealership.
Product: Checking or savings account

About 3 years ago, I opened up 4 CDS with Marcus by Goldman Sachs. When it came to maturation of the first threee that expired, I was notified in advance as per their policy. I chose to NOT roll them over. 

However, when ir cames to the last one that had the longest duration ( 3years ). I was never notified 30 days prior as per policy. I forgot! Instead, I received email confirmation that it was rolled over on the XXXX of XXXX. 

The first representative I reached out to alluded that I was not notified and stated that I received monthly statements to that effect. I was told that someone would get back to me in 2 business days. No one did. 

I reached out again. This time the representative claimed I was notified as per notes on her screen. When I requested transcripts of the email be sent to me she deflected -- I promised to drop my complaint if there was evidence of notification via email. 

I was informed in all cases that I would have to be assessed an early penalty. This is not right. It was their fault. 

I believe it was all done deliberately. They had observed I was not renewing. ( I wanted to take advantage of subsequent Fed Rate Hikes. ) It represents a breach of contract and is shady.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX 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 card or prepaid card

on XX/XX/2021 my phone and wallet were stolen from my car. when word got around seeing as how i live in a small town it wasn't long before i found out who had been seen with my phone and then seen using my cards. charges that were made using my cards were FOR places based in XXXX arizona a XXXX charge for {$470.00} a XXXX XXXX XXXX XXXX arizona for {$510.00} a XXXX resort 4 {$110.00} another XXXX  for {$240.00} another XXXX for XXXX dollars and XXXX XXXX {$7.00}. and two charges for XXXX XXXX by XXXX XXXX {$640.00} and {$540.00} all charges lead from the XXXX of XXXX to the XXXX of XXXX i confronted the people that were said have possession of my phone and my debit cards and when i got a hold of the mail he said that yes it took my card and so a lot of things to it when i got in contact with the girl she said i don't know what you're talkin about thanks for the trip to XXXX it's great. when i filed a dispute for these charges with netspend they denied my claim based on notifications that were sent to my phone and my ip address for my device i would i explain to them that my phone and my wallet were taken because my phones case was my wallet they said sorry why don't you send in some documents so when i did send the documents and i waited another month and a half i called them i called back and aspirin appeal they told me no i couldn't appeal how to talk to their fire department they have no way to get ahold of them i have to get ahold of him so what i asked for the contact information they said that they didn't have it and then they hung up on me so i called back i was on hold for 6 hours and then got hung up on a call back. put on hold for 6 hours and got hung up on i call back between 5 and 7 more times hold from anywhere from four to six hours each time being hung up on it is obvious from my prior history that these charges are not consistent with my normal usage they refused to hear it and they won't work with me
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several incorrect accounts. I have asked for these accounts to be verified in the past and have provided an FTC report and have a CFPB profile where I've repeatedly complained. Some accounts have been returned to my profile incorrectly. Here is a new FTC number regarding this account. FTC # XXXX I was notified that the CFPB has filed a lawsuit against XXXX and I have been experiencing the same across all XXXX bureaus! I'm requesting these accounts be removed or corrected immediately as it is affecting my chances of getting a house, car and other items. XXXX, Equifax and XXXX all violate my rights as a consumer, as well as federal laws. 

I would like all reported accounts to be removed corrected immediately! 

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

My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau Equifax, XXXX, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the XXXX. I filed disputes with these bureaus XXXX plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up XXXX day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Purchased items on XXXX on XX/XX/XXXX from scam seller XXXX who and goes by 2 different names, XXXX XXXX and XXXX XXXX of XXXX, MI ( possibly 1 other state as well ). Items were mini beauty samples ( about XXXX in total ). They were all advertised as BRAND NEW. Sale was agreed to by both parties on XXXX ( have fully documented sale post and 1-1 conversation with seller ) and transacted through Paypal goods and services. Seller sent package but many items were missing, and many items were used/empty. Contacted seller for many weeks to give her a fair chance to respond, but she never responded - she ghosted me. In the meantime, another XXXX XXXX/XXXX user contacted me telling me she saw the purchase I made and asked if I received my items. I told her I did, but many were missing and empty. She told me she also agreed to purchase items from the seller and sent the seller {$100.00} through paypal, but never received anything. We stayed in touch as we both tried to contact the seller multiple times over the next couple of weeks, but the seller had disappeared. We both opened cases with paypal. Hers was fixed immediately as the seller  never sent anything and had no tracking number for that buyer. My case was taking longer since the seller did ship items though they were not at all as described or promised. XXXX strung me along for over 2 months with their " investigation ''. I replied at every turn sending them the info and documentation they requested. On XX/XX/XXXX, I missed a communication from them that required I file a police report and send it to them for my case to continue. I don't even know if the police would have taken me seriously. Because I did not provide a police report, paypal automatically found in the seller 's favor. Because their investigation took over 2 months ( was originally filed on XX/XX/XXXX ) my bank says they are unable to dispute it because they can not dispute anything prior to XX/XX/XXXX and this transaction took place on XX/XX/XXXX. Because of the egregious amount of time paypal took to complete their " investigation '' I am now out of luck with a scammy seller. Paypal has  refused to appeal or reopen the case, I was on the phone with them for over 2 hours this morning.
Product: Debt collection

on XX/XX/2020, I sent a validation letter on XX/XX/2020 @ XXXX XXXX my letter was received by the company. 

the letter states " If you fail to respond to this letter within 30 days of receiving it all references to this account must be deleted and completely removed from my credit file and a copy of such deletion requests shall be sent to me immediately '' on XX/XX/2020 a letter was sent to me by this company including billing statements from the credit card company. but not what I listed in my letter. In my letter I asked for a list of TEN things and I states " Please keep in mind, Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. ( 10 items ) '' Not only did they respond way PAST the 30 days but they also did not even send the 10 items I asked for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 

XXXX XXXX Late Dates XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE XXXX HARD INQUIRES ON MY REPORT THAT HAS COME FROM IDENTITY FRAUD AND I WANT TO HAVE THEM REMOVED. ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/2020, I received an alert from XXXX  that I.C. Systems Inc reported a XXXX account. They never sent me anything in writing to allow me to receive proof of debt owed or to dispute it.