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

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Name : XXXX XXXX Name : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX, XXXX, XXXX Former : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$4000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$6300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$180.00} XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XX/XX/XXXX {$88.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$310.00} XXXX XXXX XXXX XX/XX/XXXX {$190.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX XX/XX/XXXX {$310.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

ON MY CREDIT REPORTS THERE ARE 3 FRAUDULENT ACCOUNTS SHOWING I CONTACTED THE CREDIT BUREAU ABOUT THE FRAUD, I WAS ADVISED TO DISPUTE THE ACCOUNTS ON XX/XX/2017 I DID THE FRAUDULENT ACCOUNTS ARE STILL THERE. I GAVE NO ONE CONSENT TO USE MY PERSONAL INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one credit card is missing from credit report. Capital one has been reporting to all 3 credit bureaus for 2 years and said they have continued to report to all three credit bureaus. Called XXXX and was told that capital one requested to have entire account deleted. My entire positive credit history is gone. I would like my credit history put back on to XXXX   immediately. fyi : XXXX and XXXX  shows capital one reporting. This is a disaster,, all my hard work to keep my credit card in good standing has vanished, and when I called no one could help me.
Product: Debt collection

My identity was stolen and used to obtain a loan by a company called, " XXXX XXXX XXXX XXXX' ( doing business as, XXXX XXXX XXXXXXXX ). The loan is in default and was sent to a collection agency National Credit Adjusters ( XXXX ). The collection is now showing on my credit report.
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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Checking or savings account

I opened a checking account called " Loyalty Checking '' at XXXX XXXX on XX/XX/2022. I sent {$2500.00} from my other account at XXXX XXXX on XX/XX/2022. As of morning of XX/XX/2022, I had no issue accessing my new account at XXXX XXXX, and this {$2500.00} from XXXX was showing as pending at XXXX XXXX. However, on XX/XX/2022, this amount stopped showing at XXXX XXXX. I called customer service at XXXX XXXX and was told that this transfer from XXXX was rejected by XXXX XXXX, and will be returned to XXXX in 5-7 business days. This alone didn't make sense, but it only got worse when XXXX XXXX all of a sudden restricted my account the next day, on XX/XX/2022. Since then I haven't been able to even log onto my XXXX XXXX account. I called customer service again multiple times to ask what was going on, but XXXX XXXX only told me that their back office was looking into something, without telling me what exactly they are looking for or looking at, and they would get back to me via both mail and email in 5-7 days. As of XX/XX/XXXX, I still have not heard back from XXXX XXXX on ANYTHING and still can not access my account. Moreover- the worst part is that this {$2500.00} that I transferred from XXXX to XXXX XXXX on XX/XX/2022 is completely XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 6 hard inquiries that i have no knowledge of
Product: Debt collection

I am allowed under the HIPAA law to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX of XXXX for them to release my medical information to a third party. I understand under that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization. Please note that withholding the information you received from any medical provider is an attempt to be HIPAA compliant will be a violations of the FDCPA because you will be deceiving me after my written request.I am requesting full documentation of what you received from the provider of service in connection with this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the Experian and XXXX XXXX XXXX  and the XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late XX/XX/XXXX, XX/XX/XXXX. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

From XX/XX/2023 to XX/XX/2023 there were unauthorized deposits a total of {$9000.00} and unauthorizes XXXX transactions made under my account. A total of {$4800.00} were transferred to contacts that I've never interacted in the past and that I do not know ; contacts were : XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize any of this XXXX transactions. 

My bank is aware of this case, but they can not proceed and refund me my money because the transactions were made through XXXX. 
My Checking account is currently negative - {$1300.00} My Savings account is currently negative - {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been reporting me with an inaccurate information to the credit Bureaus TransUnion, XXXX and XXXX. I sent letters to the Bureaus and to the collection companies requesting an investigation. The account remains in my credit report and have not been fully validated. After 45 days the account was removed from my credit report and now recently, they're reporting the same account that was closed as active. There was No written notice from any of the Bureaus informing me of the result of the investigation. All my communication with them was sent through certified mail and I have proof that the letters were delivered to the correct address. I'm requesting assistances in the verification of the removal of the disputed data from my credit report.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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

XXXX is showing inquiries on my credit report that i did not authorize and i have contacted XXXX about correct and removing these items.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX was documented reporting inaccurate information on my credit report. A dispute was filed and is still pending. XXXX has previously reported and removed inaccurate information. XXXXXXXX XXXX XXXX account number XXXX. Now XXXX more account are being reported inaccurately. As a result of XXXX XXXX XXXX failure to follow reasonable procedures to assure maximum possible accuracy, in multiple instances causing numerous violations ( {$1000.00} per violation ). XXXX has provided consumer reports with incorrect and misleading information regarding a consumer.
Product: Vehicle loan or lease

XXXX XXXX XXXX put me in for a loan through Wells Fargo, where I banked at the time. Wells Fargo pushed through the loan for close to {$30000.00} for a 2019 XXXX that already had over 50,000 miles on it. They never made me produce 6 months of my bank statements which would have shown that I did not qualify fir a loan of this magnitude. I am on XXXX, and worked as a XXXX XXXX XXXX at the time. I don't make enough money to have qualified for this loan. I can not refinance as the vehicle is only worth {$17000.00}, and only in Fair Condition.
Product: Mortgage

I can not convey how inadequate this company is. 

They bought my home mortgage loan from another provider three months ago and have screwed up my payment two out of the three months, XXXX and XXXX of 2019. 

Two out of the three months they have had my loan Ive had to go get a copy of my bank statement and the canceled check to provide to them to get it straight. 

If what has happened to me thus far is any indication of what the future holds I wouldve been much better off taking out a loan through my local savings and loan and paying {$15000.00} more over the life of the mortgage. 

Not worth the savings to have to deal with the XXXX they put you through.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX at least three times to have all fraud and freeze alerts removed. 
I called XXXX on XXXX and advised him to remove the fraud/freeze alert, suggested it was done, and got a postcard showing that it was added on XXXX. I called the same number on XXXX again and spoke to XXXX, was advised that I was done, and just got a letter today dated XXXX that it was added and that XXXX and Experian would be alerted to add it as well. I called today same number and spoke to XXXX, I asked for a manager, but he never got one, and he was insulting and over-talking me ; he stated he did not show one and said I would get a letter saying it was one, although it is not. I have the notes, postcards, and file numbers that I will attach. I want to ENSURE that there is NO FRAUD/FREEZE on my credit file at any credit reporting bureaus. I have been challenging old and wrong items on my credit and keep getting pushed back since XX/XX/2023. This has caused me time and money on postage, printing paper, ink, and sanity. I want a letter via regular mail from all three advising me that this has been taken care of and the customer service agents WROTE up.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

when I purchased my Honda Financial Corporation/ XXXX XXXX XXXX  XXXX XXXX   on XX/XX/2012 They offered me the GAP Addendum the Cost {$750.00}, after I payoff I received a letter stating If I purchased GAP coverage ; I was able to request a refund of any unearned premiums, one year ago communicated with the Dealer and XXXX  XXXX XXXX but non of them were able to help me ; I requested my refund to XXXX XXXX XXXX but they told be to contact the XXXX XXXX XXXX and vice versa both companies refuse to help. I communicated once again with XXXX XXXX XXXX they give me a web site where I can summit the payoff my car the way i can get the refund but I never received any responded or a refund from XXXX XXXX XXXX, its been a year and still waiting for them to communicated with me, as a consumer I believe we have rights this corporations do not treat consumers well we deserved respect, I am requesting an investigation for this corporations Honda Financial Corporation/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX about GAP Addendum unearned premiums because the need to refund to the consumers and complains about this corporation. Honda Financial Corporation/ XXXX XXXX XXXX   XXXX XXXX needs to review closely the companies that they offered products to their consumers because we trusted them on getting this GAP Addendum but do not know that those companies won't seek the benefit of the consumers for the reason I won't Trust this companies Please can you help me with this matter.
Product: Credit reporting or other personal consumer reports

Requested opt out... 
XX/XX/2023 Self Card Services Subject : Opting-Out of Authorizations and Notification of Violations Under Relevant Federal Laws I, XXXX XXXX XXXX XXXX XXXX writing to inform you of my decision to opt-out of any and all authorizations I may have given you, whether written, unwritten, verbal, or nonverbal as is my right per FCRA Section 15 USC 1681 ( b ).

You have repeatedly provided inaccurate information as well as my non public personal information to all credit reporting agencies which has caused substantial harm to my life by these actions.

I have proof of multiple violations of the protection provided to me as a consumer under several federal laws, including but not limited to : 15 USC 6801 ( a ) 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.

According to 15 USC 6809 ( 4 ) ( A ) The term nonpublic personal information means personally identifiable financial information ( I ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution.

15 USC 1681 ( b ) requires every financial institutionshall establish appropriate standards for the financial institutions administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

I exercise these rights under the aforementioned federal laws with the aim of protecting my personal information from unauthorized access, use, and sharing.

I kindly request that you review all your past and current practices relating to the collection, storage, use, and sharing of my personal information to ensure compliance with the relevant statutory provisions.

Failure to do so may result in the violation of federal law, which could lead to serious consequences.

I expect you to promptly address any violations, including inaccuracies, and take necessary steps to rectify the situation. Furthermore, I request that you provide me with a detailed written response that outlines the actions taken to comply with the applicable laws within thirty ( 30 ) days of receiving this letter. 
I would like to continue receiving periodic statements by mail and any legally mandated communications regarding my account. 
However, any other uses or sharing of my personal financial information should cease unless explicitly authorized by me. I appreciate your immediate attention to this request and compliance with the relevant federal laws. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ;
Product: Payday loan, title loan, or personal loan

i got title loan on my XXXX XXXX XXXX, valued at XXXX for XXXX/XXXX! from the jump i had problems with the almost XXXX XXXX payment but i tried! the first time i had a check for XXXX mailed, thats when i learned they dont take checks! then i tried to bring in XXXX cash and expained i had to wait for the rest of the cash from the check! thats when they stated they did not take partial payments! at this point im behind and can never catch up cause they dont take partial payments. so the van got repo and im not fighting it! my problem is i owe more with them having my car then where i started! my van was valued at XXXX and they only sold it for XXXX XXXX leaving me a balance of XXXX.. which mean i just gave them my car and owe more for the car!!! thats some bull ... and doesnt even make sense or like they was really trying 2 recover this money cause they knew they would continue to collect from me! they could have let me keep my van if selling it was going to keep me in debt!
Product: Credit card or prepaid card

On or about XX/XX/2019, an auto debit was made from my checking account for the full account balance of {$7500.00} instead of {$100.00}. This money was not available in my account. Instead, the American Express credit card company took my paycheck and my entire overdraft protection funds. As such, I was unable to pay my rent or meet my expenses for the month. I called them immediately and they said they would reverse the charge. They did the next day but two days later, they took the money from my account against without my authorization. I called Amex to ask for a payment refund. They agreed, closed the dispute, but never sent a check. 

I called them again and made the same request. They said they would refund it in 7 days. 30 days went by and again, they closed the dispute and never refunded the money. Once I saw this, I called them again and asked where was my payment refund. I explained that this was my paycheck. This time they agreed to send it via wire transfer. They said it would take 48 hours. A week went by and again no refund. I called again and they said they were mailing a check. No check ever came. They keep saying the funds are being sent back, but they keep closing the dispute. I need my money back as this has caused my family hardship.
Product: Debt collection

Debt does not belong to me. Company needs to provide proof that the debt belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I'm Very upset this is Disturbing too I cant see my credit score since I've been home from XXXX  all kinds Things Went On I Cant Do Anything I AM NOT DECEASED MY NAME IS XXXX XXXX XXXX MY Address is XXXX XXXX XXXX XXXX LA XXXX last four of my ss XXXX birthday XXXX I Have No Knowledge Of These Address on my Report Besides XXXX XXXX XXXX XXXX LA XXXX Please reach Back out I need ANSWERS
Product: Credit reporting or other personal consumer reports

I have been a loyal customer since XXXX with XXXX. I have taken out XXXX personal loans with XXXX. I paid XXXX off completely and have XXXX remaining. In XX/XX/XXXX, I contacted XXXX XXXX company to help me stay current and not fall behind on my loan payments. XXXX contacted XXXX on XX/XX/XXXX with a proposal and first payment. The terms of the proposal were to not contact the credit agencies during the first 30 days as they establish my account, to waive late fees and other terms. The proposal stated that if they do not hear from XXXX, XXXX assumed the terms were agreeable. XXXX did not hear form XXXX  in said time, nor at this time declining the proposal. XXXX has cashed all the payments given to them by XXXX and never sent a decline notice. XXXX has not put delinquency on my credit with all three credit bureaus and it has taken my credit score from XXXX to under XXXX in one day. On the response from the company the lied and perjured themselves in the paperwork.