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

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT Kikoff Lending LLC has illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. To XXXX and XXXX. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Kikoff Lending LLC it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am hereby requesting all above disclosures required by Federal.

On the Consumer Report : KIKOFF LENDING LLC Account : XXXX Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain accounts and inquiries that have been reported on my consumer credit report, as referenced below. These entries appear to be the result of a data breach, fraud, or unauthorized activity. I demand verifiable proof bearing my signature or electronic signature for any transactions or inquiries associated with these reports.

Please note, I am submitting this letter on my own behalf, not through any third party, and I kindly request that you review this matter carefully. I did not authorize these actions, and they represent a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ) regarding the blocking of information resulting from a data breach or fraud, as well as Section 604 ( 15 U.S.C. 1681b ) related to permissible purposes for consumer reports.

I have contacted the relevant companies and discovered that these actions were initiated without any compliant validation or original documentation from the reporting entities. As I did not authorize these accounts or inquiries, they must be classified as the result of either a data breach or the illegal reporting of my information by creditors or third-party data furnishers. 

I request that you thoroughly investigate this matter and take the appropriate action to resolve these discrepancies promptly.
Product: Credit reporting or other personal consumer reports

Checked my credit report and saw an inaccurate address. Called Experian and asked that it be removed and they said they were unable to remove it.
Product: Student loan

I cosigned, against my better judgment, on my fiancs private student loan. He has been making on time payments, so I decided to try and get myself released as the cosigner. We have a baby and live in an older house and was recently tested positive for lead. I was trying to get approved for a mortgage, but the lead test has increased my urgency to move. This private loan is adding to my " debit '' that I pay/owe when I apply for a mortgage. We downloaded the release form from the Navient website. It required the form be completed, paystubs or W2 's be sent along with proof of graduation. All of the required information was sent. The requirements included XXXX consecutive on time payments of both the principle and interest. We waited a month and called the customer service line after not receiving any information. The rep told us we were denied based on not having XXXX consecutive on time payments. I asked what months were we late, because neither myself or the borrower were aware of us being late. We were transferred to XXXX reps and finally were told that we were late in XXXX XXXX and XXXX XXXX. The rep explained that his payments were due on the XXXX and you had up to XXXX days after that to make a payment. Those two months were not late but they were after the XXXX day mark. This is why I was denied being released from being a cosigner. I have an issue with this for XXXX reasons. First it does not say on line or in their release paperwork that you only have to pay up to XXXX days after the due date or you cant be released. It only says you have to make XXXX consecutive on time payments. Those XXXX months of payments were not late and they were on time. I feel that this is very misleading of them. Most companies have a 30 day grace period before something is considered late or before they add on late payments. My fianc took this loan out so that he could attend XXXX XXXX. He was never able to find a job in his field and none of his credits transfer to a XXXX college or university. He basically paid a lot of money for nothing. If he wanted to get his bachelors he would have to start all over again even though he has this degree from XXXX. Wasted time and money. And now this is hindering me being able to get a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bonneville Collections is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt was reporting. I immediately called and settled this debt. I however, never received any calls, notices, or letters from XXXX XXXX XXXX about this debt. This violates my XXXX  day right to dispute under the FCRA. This must be removed immediately as you violated my rights as a consumer. I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on my credit report by your company I will not hesitate to bringing legal action against you and complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite XXXX All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.
Product: Vehicle loan or lease

I leased a vehicle from Kia Motors and shortly after that I got married and changed my name. I 've attempted to update my name with Kia Motors since XX/XX/XXXX and have not had any success. 

As of XX/XX/XXXXI moved from XXXX ( where I originally signed the lease ) to XXXX. The XXXX DOT requires that I register my leased vehicle within 90 days of moving. 

At the XXXX DMV they are requesting formal communication from Kia Motors about my name change and also about sales taxes that were paid in XXXX. 

Because Kia Motors is not responding to my request for a name change and has not submitted the proof of tax payment from my lease, I am unable to register my vehicle. 

At the end of XX/XX/XXXX my vehicle registration from XXXX will expire and I will be unable to drive my vehicle legally since the XXXX DOT does not want to use my marriage license as proof of name change. 

I 've attempted to contact Kia Motors about my name change multiple times, and have reached multiple different consumer affair specialists in the last few days. They have yet to process my request of name change and to submit the information to XXXX DOT.
Product: Payday loan, title loan, personal loan, or advance loan

I had loan with Opploan and I sent a cashier check ( over night ) to fully XXXX the loan with XXXX tracking # XXXX and they received it XXXX and cashed it from the bank XX/XX/XXXX and they never applied to my account plus they keep charging interest which {$130.00} a week and my account now past due because I dont want make over payment and dont trust them to pay it back. 
My check amount was XXXX ( pay off amount ) and now I own XXXX because of interest accounted The check was issued from Chase ( check # XXXX ) I called them more than XXXX times and I spoke with supervisor XXXX 4 times and only answer this different department and there is error when they applied the check to my account and refused to give me when will be solved. Its been 27 days since they received my check and I refinanced my home to pay all my debt because of high interest I was paying. Please help me in this difficult situation. Thank you very much
Product: Credit reporting or other personal consumer reports

I have diligently undertaken a series of actions, including telephonic communication, electronic correspondence, and the submission of written documentation furnished by XXXX, in an effort to rectify the inaccuracies persistently reported by the credit reporting agency with regard to the status of my student loans. Attached is a letter from XXXX.
Product: Debt collection

The XXXX XXXX agency has called my home everyday for over a month. I spoke to them and told them the person they wanted was not at this number. Their number is XXXX
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Checking or savings account

On XX/XX/XXXX, Chime bank emailed me requesting documentation to keep my account active. I replied on XX/XX/XXXX requesting more time. On XX/XX/XXXX, they closed my account. I provided requested documents on XX/XX/XXXX and they never replied. I tried calling and accessing the website. There automated phone services hangs up on me because my account is inactive. The only way to communicate with them is through email and they will not email back. I had about {$160.00} in that account. Without having access to the app, I do not have exact numbers.
Product: Credit card or prepaid card

In early 2020 I opened a Delta Sky Miles credit card ( ending in XXXX ). The promotion was for XXXX Delta Sky Miles bonus miles if a minimum spend was met within a certain time period ( which it was ). Shortly after receiving the card, the pandemic struck and airline travel all but shut down. 

I recently called Amex to inquire about cancelling the card as there was no longer use for it. I am quite certain I requested verbal confirmation from the representative that there would be no repercussions regarding the bonus I received in my Delta account. Nor was anything disclosed by the representative that there would be a clawback if the card was cancelled. Today I received an e-mail that indeed the miles will be clawed back. Upon calling Amex, the representative ( XXXX ) informed me that an investigation will be made into the call and that the representative should have told me about the forfeiture due to account closure. I sincerely believe I was not informed and, in fact, recall being advised there would be no issue. The call validation request is XXXX. 

I have now received multiple versions of what would happen if the card were cancelled. Clearly this is problematic and needs to be investigated. What's most troubling is that, if indeed I am correct in my memory of the cancellation call, and the representative did not disclose or misrepresented the account closure implications, there would still be no reinstatement of award miles.
Product: Checking or savings account

Capital One 's failure to deposit my direct deposit from my employer. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Debt collection

To Whom It May Concern, I am writing regarding an alleged debt associated with my social, which I believe is the result of identity theft stemming from a data breach. This debt does not belong to me, and I am requesting validation under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

The information used to create this account appears to have been stolen in a data breach, during which my personal information was compromised.

To validate this debt, please provide the following : 1. The name and address of the original creditor.

2. A detailed breakdown of the alleged debt, including the principal, interest, and fees.

3. Copies of any contracts, applications, or agreements allegedly signed by me.

4. Evidence linking me to this debt, such as usage history or IP addresses.

Because this debt is fraudulent, I am also requesting : 1. An immediate halt to all collection activities.

2. That this account is removed from my credit report, as it is inaccurate. 

This letter serves as formal notice that I dispute this debt. Please respond in writing within 30 days, and address all correspondence to my address above. 

Thank you for your prompt attention to this matter. 

Balance is {$3200.00}
Product: Debt collection

XX/XX/XXXX - Collection agency ( Parson Bishop Services ) contacted me regarding a false charge of {$240.00} with XXXX XXXX. I explained that bid was accepted, but soon after 2 weeks I realized I did not want to take part of this organization and thus forfeited any communication with organization. I never attended any meetings, events, or pledge ceremony held by XXXX XXXX. I asked collection agency for proof that I signed anything and they have yet to respond. They threatened to report it the credit bureaus and insisted that my credit would be damaged for 7 years. 
XX/XX/XXXX - I received another call from XXXX XXXX XXXX XXXXregarding attempt to collect debt and another threat was made saying that they will be reporting me to credit bureau by XXXX XXXX if debt is not paid. On this date I sent a letter of dispute via email to email provided by collection agent requesting for signed paperwork stating that I am indeed responsible for this debt. Collection agency has yet to reply and provide proper verification. At least 3 more calls have been placed after XX/XX/XXXX. 
I have also contacted said organization and they insist I am responsible although I was not involved with them in any manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Our XXXX XXXX XXXX changed banks. There have been two issues of someone trying to steal our identity during the changeover. The new bank, XXXX XXXX, is of no help. They can not seem to do anything right. I closed down the account immediately and the fraudulent charges were stopped in time. However, I discovered through my XXXX XXXX that XXXX XXXX reported to the credit bureaus that my address had changed. I spoke with XXXX ( where the change alerted XXXX XXXX ) and got my credit account and information frozen. However, this fraudulent address is now showing on my credit report. It is not my address. I have not moved. This person apparently tried to have my address changed. XXXX XXXX will not help me fix this. I want this fraudulent address erased from my credit report. How do I do this?
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I have sent a letter to Ally Financial to provide proof regarding the late payment. the Congress states pursuant 15 U.S. Code 1666b - Timing of payments the creditor may not treat the payment late unless the creditor sent the consumer all the information required under 15 U.S. Code 1637 - Open end consumer credit plans XXXX  days before due date. I have requested from Ally Financial a proof that all the required information by law was sent XXXX  days prior to due date or remove the late payment as per FCRA if the information is incorrect or unverifiable then it can not be reported to the Consumer Reporting Agencies as well as pursuant 15 U.S. Code 1681a ( 2 ) ( i ) - Definitions ; rules of construction the consumer report does not include the transactions and experiences between " Consumer '' and " Person ''. Ally Financial violated several FCRA laws by not obeying them and replied with some " Erroneous '' responses which I will be attaching to this complain. 
On XX/XX/2023 Ally Financial responded with letter that looks like a statement but it is defiantly was not proof required by law. 
I have sent them my second letter on XX/XX/2023 giving them a final opportunity to resolve the matter but they ignored it by responding with the same type of nonsense letter that they responded previously on XX/XX/2023
Product: Credit reporting

TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Here 's a template for a dispute letter addressing civil liability for negligence and non-compliance, which you can customize to fit your specific situation : -- - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ks, XXXX. 
XXXX XXXX XX/XX/year>. 

Experian/equifax Subject XXXX Dispute Regarding Civil Liability and Non-Compliance Dear equifax/transunion I am writing to formally dispute the claims related to civil liability negligence and non-compliance as outlined, credit reporting errors. I believe that the assertions made are unfounded and do not accurately reflect the circumstances surrounding this matter. 

According to the provisions of section 60810.

Furthermore, I would like to highlight the following points : 1. Negligence 2. **Non-Compliance In light of this information, I request a thorough review of this case and the evidence presented. I am prepared to provide any additional documentation or information needed to resolve this dispute amicably. 

I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely, XXXX XXXX ---
Product: Money transfer, virtual currency, or money service

2 XXXX money transactions were made on my savings account but were NOT authorized by me though Wells Fargo said they were. I have never used XXXX and do not know these individuals. I was victimized by these criminals and not protected by my bank of over 20 years. I am now a senior and a widow and I want and need my money. I do not even know how these scammers knew I had an account with Wells Fargo. Their security was breached and Im paying the price. Am I not protected? This began on XX/XX/2022 and is still not resolved. Please help me as I know this is fraud and I have protection under the Electronic Fund Transfer Act.
Product: Checking or savings account

I opened a checking and saving accounts around XX/XX/2018 with Citi bank under the promotion of {$400.00} bonus with $ XXXX deposit for 2 months. I met all the requirements and confirmed by one of the representative on the online chat and confirmed that I should get the bonus by XX/XX/2018. The bonus was not posted as promised and filed a dispute. The case came back with reason that the saving account was closed which I did NOT initiate the closure of this saving account. And also at the time of the promotion in XX/XX/2018, there was no such a language that both checking and saving accounts need to be opened for the bonus to be posted. It seems like Citi has the  agenda of finding all kind of accuses NOT to pay the bonus while keeping customer 's $ XXXX for 2 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX has not corrected my Credit File to reflex what is actually been paid in full.

XXXX XXXX and XXXX XXXX XXXX should show a XXXX Balanced Owed. My Credit Score has dropped from XXXX to XXXX due to this Misinformation from these three Credit Reporting Agencies. I want them to correct my Credit File so I can get Credit again. As of this date I have been Rejected for Credit Cards and..

Car Loans because of this Misinformation showing I owe on these two accounts that are Closed with a XXXX Balance Owed.

Waiting for a Reply, XXXX. XXXX XXXX