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

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear EXETER FIN, I am writing to address a clear violation regarding the unauthorized reporting of information to my credit report, as established under the Fair Credit Reporting Act ( FCRA ), including Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as relevant provisions of Missouri law related to identity theft and fraudulent credit reporting. 

It has come to my attention that EXETER FIN has engaged in unauthorized reporting to my credit file without my explicit consent. Federal law, specifically under the FCRA, mandates that such reporting requires consumer consent, as outlined in Section 1681b ( a ) ( 2 ). The FCRA 's protections are designed to safeguard consumers from wrongful reporting that can harm their credit reputation. 

In addition to federal provisions, Missouris identity theft and fraud laws, including Mo. Rev. Stat. Section 570.223, protect residents from the unauthorized use of personal identifying information. The statute clearly defines identity theft and stipulates penalties for those who use, possess, or transfer personal identifying information with the intent to defraud. Unauthorized credit reporting, without my express permission, constitutes a serious violation under both federal and state law, including Missouris protections against identity theft and fraud.

I affirm, with absolute certainty, that I have not granted consent to EXETER FIN to report any information to my credit report. This failure to obtain my authorization is a blatant violation of my legal rights, potentially harming my credit standing and violating the FCRA as well as Missouri state law.

I hereby demand that EXETER FIN immediately cease all further reporting to my credit report without my explicit consent, as mandated under FCRA Section 1681b ( a ) ( 2 ), and that they comply with Missouris statutes on identity fraud and unauthorized use of personal information. Should this matter not be resolved within 30 days, it will be considered a willful violation of federal and state laws, subjecting EXETER FIN to penalties for noncompliance.

This demand is not a matter for negotiation but a requirement for adherence to federal and state regulations that protect consumers like myself from unauthorized and damaging credit reporting.

I expect immediate action and full resolution of these violations. Failure to comply will leave me no choice but to pursue legal remedies as allowed under both federal and Missouri state law.

Done in good faith.
Product: Checking or savings account

On XX/XX/year> I initiated two external ACH transfers ( these are free of charge ) from a Chase checking account to a XXXX XXXXXXXX XXXX account, one for {$10000.00} and another for {$4300.00}. These transfers were scheduled to occur two ( 2 ) business days apart. The transfers were cancelled on XX/XX/year>. I contacted Chase on XX/XX/year> to inquire about the transfers, and was informed that XXXX was unable to verify ownership of the external ( XXXX XXXX ) account, and lack of transfer history between the accounts. The agent reviewed the activity and confirmed 4+ years of transfers exceeding {$100000.00} between the two accounts, and informed me she was noting the account for back office review, reversal of the cancellation, confirmation of transfer history ( which would also raise the transfer limit between the accounts from {$10000.00} to {$100000.00} ). I was instructed to go ahead and re-initiate the transfers. 

To my surprise, Chase deleted external account from my profile, and I am not able to re-add the account, nor make any transfers. 

I recontacted Chase on XX/XX/year> and was informed that this is automated system function, and the external account is blocked from all activity with Chase. I was also informed that this decision can not be appealed or reversed and is permanent. I was further informed that the external account was flagged for suspicious activity but never investigated, but Chase could not explain what the suspicious activity was, or how 4+ years and $ XXXX of transactions could have occurred. 

Chase has informed me that I may wire money to this external account, for a sizable fee each time. Chase also informed me that I can move the money using XXXX, except Chase only allows one account connected to XXXX at any given time. 

Chase has unfairly blocked transactions between a long established external account and a Chase account, effectively freezing my assets and allowing me to access them as desired, and refusing instructions on how to handle said assets. 

This is an attempt by Chase bank to hold customer assets and earn interest with little to no interest returned to the customer.
Product: Debt collection

I appreciate your prompt response to my Consumer Financial Protection Bureau inquiry # XXXX concerning accounts # XXXX, XXXX, and XXXX. 

Please be advised, as per the new law passed by the Consumer Financial Protection Bureau ( CFPB ), medical debt is no longer reportable on consumer credit reports. As such, the accounts in question connected with medical debts should not have been reported on my credit report to start with. 

I am currently gathering more clarification and evidence regarding your agency 's violations of this law and will be taking necessary legal action accordingly. I will be seeking damages for the undue strain and impact this has potentially caused on my financial and personal well-being. 

Furthermore, the request for additional identification documents seems redundant given that I have already submitted an affidavit asserting that I am a victim of identity theft. Please treat this with the seriousness it deserves. 

I am hopeful that this issue will be resolved amicably and without any further legal proceedings. I am available for further dialogue and am contactable on the phone number saved under my account. 

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

XXXX is discriminating against me as a XXXX XXXXXXXX XXXX XXXXnd my Account ending in XXXX has not been updated on my Credit Report as " Settled '' within the Payment Status area to properly update the " algorithm data '' which calculates your Credit Score. The XXXX Account has been paid and Settled. 

I also contacted XXXX XXXX XXXX, XXXX on last week on or about XX/XX/22 who received and processed my payment for {$690.00} on XXXX and stated they notified XXXX to update my credit reports once the Payment had been processed. However, XXXX has not updated my Transunion Account or XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts currently being furnished on my credit report without my written authorization or consent. 
Pursuant 15 USC 1681 ( a ) ( 4 ), I have a RIGHT TO PRIVACY as a consumer.

Pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ), I have the right to have these items EXCLUDED from my credit report as I was NEVER given an opportunity to direct that this information be excluded from my credit report.

Pursuant 15 USC 1681b ( a ) ( 2 ), A consumer reporting agency MUST have my WRITTEN consent to furnish an account using my personal identifying information.I never gave EQUIFAX WRITTEN CONSENT to furnish any of these accounts.

Federal LAW overrides any company policy. Therefore, I am enforcing my federally protected rights as a consumer to have the following accounts removed from my credit report. 
XXXXXXXX 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

XX/XX/30 : contacted Transunion about inaccurate hard credit inquiry that I didnt authorize by XXXXXXXX XXXX XXXX XXXX ). XXXX said to contact bank directly. I contacted bank at number they provided on my report and when I called a recorded message says the number is no longer in service.
Product: Debt collection

I received documents I requested from XXXX XXXX XXXX on XX/XX/XXXX. After calling them to inquire about their dispute process I was spoken to in a very rude manner. I also contacted the original creditor Cash Central on XXXX XXXX, XXXX @ XXXX XXXX  XXXX XXXX. I was told the account number XXXX XXXX XXXX provided to me, XXXX, on the mailed documents didn't match my name. The mailing address on provided documents is an address I haven't lived at since XXXX. The amount attempting to be collected is XXXX. XXXX which is reported on all 3 Credit Bureaus but the documents provided that they gathered from Cash Central says XXXX. XXXX. South Carolina, the state I have lived in since XXXX, has a law pertaining to payday loans ( Amount questioned {$800.00} violates South Carolina Law Section 34-39-180 ( E ). Max is amount allowed per SC law is {$550.00}. It is also required that a borrower was presented withan extended payment planfor a 12-month period in case of an inability to repay a deferred presentment transaction.The referenced payday loan was supposedly granted XXXX, XXXX but 2 hard inquiries from Cash Central on XX/XX/XXXX and XX/XX/XXXX. I have notified both parties XXXX XXXX XXXX and Cash Central with absolutely no resolution.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I received an email from a company I had never contacted or done business before indicating that they purchased a debt and I was to make monthly payments to them. I notified them once on XX/XX/XXXX, and again on XX/XX/XXXX that I wished for them to provide verification of this debt. 

They did not respond to those requests. 

Earlier this month I noticed they had reported an account in my name as delinquent. I contacted them to try and resolve this issue. After much back and forth they sent me verification of the debt on XX/XX/XXXX, and I received it on XX/XX/XXXX. I withheld payment as the debt was never verified, and the now refuse to alter their reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting an inquiry I did not give permission or my information to this company XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

XXXX. Account # : XXXXXXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be updated. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX
Product: Mortgage

I have been attempting to settle or receive a structured settlement with Dyck O'Neal on my 2nd mortgage for over three years. The interest rate is a usurious rate of 11.25 % and my XXXX XXXX has nearly doubled since default. Dyck is the third purchaser of this loan. As a result of XXXX treatments and family related problems, I defaulted on payments. I hired a useless attorney who did no negotiating for me and Dyck has not made any effort to communicate to resolve this problem. I had declared bankruptcy in 2010.
Product: Bank account or service

On XXXX/XXXX/2017 I initiated a transfer of funds to my brother for {$500.00}. On XXXX/XXXX/2017, I was informed by my brother that he never received the payment. I realized that I entered the wrong phone number by XXXX digit. I immediately contacted the bank and filed a claim. I was told it would take 10 business days to resolve. I called regularly for updates. Was told that the person who did receive the funds was also a Bank of America customer and that the bank would try to contact them. On XXXX/XXXX/2017 I received a letter stating that the claim was closed and that I would not receive my money back. The bank had attempted to reach the other party but did not receive a response, however after speaking with a BOA rep, I was informed that the bank only tried to call the other party 3 times and did not begin trying to contact them until XXXX/XXXX/2017, which was 14 days after my initial claim was filed. I feel that BOA did not do a through job in trying to resolve this issue for me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was reviewing my consumer file and realized I had inaccurate late payments reporting under my accounts which is causing me financial damage. I was not noticed and this wasnt brought to my attention which is a violation to my consumer rights. In pursuant to USC 15 1666 ( b ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement is mailed or delivered to the consumer not later than 21 days before the payment due date. There was not reasonable procedures conducted upon this situations and addition a creditor cant report an open ended consumer plan late for any reason. I would like to resolve this issue and just have the inaccurate information removed or updated on my consumer report LATE PAYMENTS : XXXX  XXXX Opened on XX/XX/XXXX Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

For over 6 years I have been fighting with Discover Bank over them setting up fake accounts!  I have found out that I have a XXXX XXXX card in my name, a card in the names of XXXX XXXX and a discover card in the name of XXXX XXXX!
And one was for a XXXX XXXX site!  discover Bank has been taken to Federal court over 300 times for setting up fake accounts and stealing money>>>
In federal court state court and county courts time and time again it has bee proven that they set up fake accounts and steal peoples money. fake documents, and lie in courts!!!
Product: Vehicle loan or lease

Sold me a car that had sever oil leaking to the car. to the point where black smoke would omit from the exhaust. I asked how they would go about it and never came to an agreement. i had the car for 1 month.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I received a call from Chase bank customer service number and there was a gentleman on the phone claiming to be from Chase fraud. The man said that ther was some suspicious activity on my account and if I was trying to make purchases at an out of state XXXX store. I told the gentleman no and he said well it looks like your account has been compromised. Now mind you this guy was calling me from the actual chase customer service number. He also represented himself as a Chase employee. In any case the guy advised me that were going to close the so called comprimised account and open a new account a long with replaccing my debit card any other other thing that goes a long with Chase banks protocols for accounts being compromised. So the guy had my credentials and guided me through the app to supposebly open a new account. In any case the guy tricked me into wiring him {$1300.00} that I thought was a transfer of funds to my new account. When I figured this guy was scamming me I immediately called Chase fraud and asked them to recall the wire. They initiated the recall and then I get a message from Chase saying the beneficiary denied the recall. So then I contacted Chase to find out where the money went. They gave me the run around for XXXX weeks then they finally give some information on the recipient. The fraudsters name was XXXX XXXX and the the receiving account was a XXXX XXXX account they also gave me an account number that turned out to be an account that did not exist at XXXX XXXX, I cntacted XXXX XXXX XXXX  to see if they had any information on this individual. They checked all their records and databases and told me that this person and account does not exist within their institution. So then I called Chase and asked them why would as wire go through if the account did not exist. They could not give me an answer and sti ; l ; refuse to tell me were my money went. All they keep telling me is that I was the one that approved the wire and that it was not fraud. The last manager I spoke with said I would have to go to court and supeana Chase bank to get them to tell me where my money went. Here are the names of the people I spoke with at Chase. 
XXXX XXXX Mid XXXX XXXX Claims Department XXXX XXXX Customer Service Manager- Fraud Department XXXX XXXX Customer Sevice Rep- Fraud Department .

I am still working on gettting answers from their wire fraud department but am not receiving any responses from Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theyve been selling my information, which is not their place. 
Theyve been able to furnish my score for me, also without my consent or permission. 

Theyve assumed the responsibility, and have failed to respect my privacy.
Product: Debt collection

Paid this debt that entered in to collections on XX/XX/12 and it is still reporting on my credit report.
Product: Checking or savings account

On XX/XX/2021 I opened an account online with Chase after being told to do so after attempting to open in person. I used the 'open new account ' link shown below the {$220.00} bonus offer for new checking accounts. I have met all criteria and waited beyond the advertised time to receive bonus. Customer service has given me the run around and opened a ticket but they are bullshitting as each new rep has a new or different excuse as to why I haven't received it.
Product: Checking or savings account

On XXXX 2024 an on line banking payment from my XXXX XXXX account was made.That transaction was rejected by American Express.I have a checking account with Key Bank XXXX The Key bank has let XXXX XXXX XXXX access my checking account and take funds from my checking account with out my permission. XXXX XXXX withdrew {$6400.00} from my personal checking account with Key Bank. I did not have that amount in my Key Bank checking account, leaving me with insufficient funds to cover my debit card and check writing ability No one in the Key Bank customer service dept can explain why I was not asked before taking my cash. My payment had nothing to do with XXXX XXXX you please looking into my problem? On XXXX XXXX I had {$4000.00} in my checking account on XX/XX/XXXX, I had minus- {$2300.00}, I was told the problem was fixed on XX/XX/year>. XXXX XXXX continues to process every few days looking for funds they have no right access in my Key Bank account. The funds were to come from my XXXX account not Key Bank. Thank you
Product: Debt collection

Company is falsely putting debt on my credit continuously and changing the debts dates
Product: Payday loan, title loan, or personal loan

The loan is for a remodeled kitchen. The loan was entered into on XXXX, with first payment due XX/XX/21. The amount was $ XXXX with 7.6 % interest. 

It was communicated to us that the loan can cover any physical goods ( i.e. Kitchen Cabinets, appliances, etc ), and the work or the labor for the remodel. 

Cabinets were ordered immediately. They were approximately $ XXXX The cabinets first arrived in late XXXX, but a few were damaged. The replacement ones came in early XXXX. 

The first day of labor was early XXXX. 

During this time I have been charged interest on the $ XXXX. Even though from XXXX to early XXXX, no labor was performed. I expected to be charged interest on the $ XXXX for the cabinets but not the $ XXXX as no work had started. 

As we went through XXXX and as recently as yesterday, work is promised then cancelled ( usually without any courtesy cancellation call/text/email ). 

Delay after delay. No urgency. All the while I'm charged appx {$300.00} a month in interest, or {$2100.00} through XXXX. I feel I should only have been charged $ XXXX 7.6 % /12*6 = {$570.00} for the purchase of the cabinets. 

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

I recently started the process of reviewing my credit reports. Therefore, I requested copies from all three bureaus, of my credit reports. From XXXX, XXXX XXXX, and XXXX. I am not been aware of my credit, or even got an credit report until recently. So, I was not aware of the information contained in my credit reports. I was not in the position to buy certain things, or even attempt to purchase anything. Because i was not making a lot of money and was just trying to maintain what I can. In reviewing my recent credit reports, I found out that all my reports had a lot of activity that I had not done. Inquiries were over excessive to the point each report had about 20-25 inquiries on each report. I did not conduct these inquiries, if I were to do a inquiry I would only do it for what i needed it for. Not over and over getting turned down, I just recieved a email advising me that I was declined for an inquiry that I had submitted, In receiving this email, I was suprised because I had not applied for anything by way of credit. This complaint is being filed to advise that someone has my personal information, and using it to commit fraud. I am in the process of disputing these activities as it pertains to my credit. This complaint is to notify the three major credit bureaus. Of my intent to dispute these actions of no fault of my own.The activities that has been comprised are my credit, inquiries, accounts that have been placed with collection agencies. Whom are seeking financial closure of accounts that do not belong to me. I am requesting, as I prepare to send this complaint to all three credit bureaus. That the creditors, would send me the documentation needed to resolve these issues. I will also be filing an Identity Theft Report of the actions of fraud on my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.  15 USC 1666B : A creditor may not treat a payment on a credit card accout under an open end consumer credit plan as late for purpose.