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

XXXX, Experian, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The Consumer reporting agencies XXXX, Experian, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is REVOKED. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The Furnisher of information to credit agencies Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Around XX/XX/XXXX i attended at XXXX  college when i first registered for classed the course i was signed up for was event planning 1 while applying for a GRANT the classes where almost starting and i later found out they were no longer offering that Main class which was Event planning 1. The Financial Aid office had me listed as a male with selective service and for over 2 weeks with me going back and forth to the office trying to get them to change it they kept sending home to check my app. well i checked and it was no a mistake on my behalf so the last time they tried to send me home and told me to mail a letter to selective service i refused to let them continue to give me the run around so i stay in the office and call selective service to let them know what was going on considering my classes had already started. The rep from selective service said that was crazy and said for me not to leave he asked to speak to the case worker there in the FA office so that he can tell them to simply look at me and they can tell i was a female will needless to say the young lady went right in and changed the status from male to female i had been in and out of that office over 7 different times trying to get in my classes and for them to release my GRANT. because classes had already started and i had to wait on my grant money to post before i could get my books i was so far behind it was to late to turn around i wanted to attend school badly just couldnt keep up. i notified the instructors that i could not keep up and they agreed to allow me to drop with full refund ... while checking my credit report i realized the school put my account in collections for {$530.00} i had no idea they put this in collections saying i owe the school money ... i called the school and they told me the school paid for my classes so now i owe them. I said i never agreed to let the school pay for my classes thats why i applied for a grant i did not have money to pay for any type of load..if i had to take out a loan i would have never signed up for school. This has never happened before.if the did pay for classes they did it with out my permission or knowledge they never spoke to me about it and never was given permission to do so. They never gave me a chance to even address the issue i never got a letters and when a person from the school did attempt to call me she only stated that she wanted to discuss me coming back to school never saying anything about collections or a threat of a collections. now its reporting on my credit report on XX/XX/XXXX for {$530.00} please help
Product: Credit reporting, credit repair services, or other personal consumer reports

This company violated the law Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of the credit card or similar credit device Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit Notice, Congress said ANY card. The credit card is used is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under Title 15 Chapter 41
Product: Debt collection

On or about XX/XX/XXXX and XX/XX/XXXX, I disputed a XXXX debt in the amount of {$2200.00} on my credit report Account # : [ Acct # XXXX ] asking that the credit bureaus show validation of this debt that I owed it, without sending me a viable evidence I indeed owe this debt. XXXX send me some kind of an agreement, which had not the signature. Since the CRA have posted the debt on my credit report, I have the right to verifiable evidence this debit belong to me.
Product: Debt collection

I previously filed a complaint on this matter and the company, MRS BPO , LLC, agreed to withdraw further collection attempts on the incorrect billing. To my surprise, we received a new collection letter on this yesterday ( XX/XX/20 ) from MRS BPO , LLC in spite of the fact that they had agreed to cease collection attempts. This is a breach of their agreement and promise made in response to my original complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XX/XX/XXXX To whom it may concern, Under FCRA Section 609, I am exercising my right to dispute the accounts listed below. I am also formally requesting that you prove these accounts belong to me by providing copies of the original signed contracts. Please make sure you send me contracts stating that I agreed to enter into financial agreements with the companies listed below. Otherwise, your bureau, the furnishers, nor I can prove these accounts belong to me. Please note I need full copies and all other information you have on file during this investigation. A simple template letter will not be sufficient. I am preparing a legal case and need full certified copies of everything you have on file for the accounts below. 

Bureau/Furnisher must provide, at a minimum, all of the following to prove their case : A. Copies of original signed contracts bearing my signature for each account listed below. 
B. All other information or evidence you have on file for the accounts listed below. 
C. Names, employee numbers, mailing addresses, and phone numbers for each person involved in this investigation. 

If you can not provide the above information, I request you immediately delete the accounts listed below from my consumer credit report and cease all collection activity. 

Please note, I am trying to resolve this matter as soon as possible. I am willing to stop any further requests if you can comply with my request. Also, note I have included identifying information as requested under the FCRA. Please do not send me an automated template letter requesting further verification. 

Account Information : Account # : XXXX ( XXXX XXXX Account # : XXXX ( Experian ) Account # : XXXX ( XXXX ) Account XXXX : XXXX ( XXXX ) Account # XXXX XXXX ( Experian ) Account # : XXXX ( XXXX ) Account # : XXXX XXXX Experian ) Account # : XXXX ( XXXX ) Account # : XXXX ( XXXX XXXX Account # : XXXX ( Experian ) Account # : XXXX ( XXXX ) Account # : XXXX ( XXXX ) Account # XXXX XXXX ( Experian ) Account # : XXXX XXXX ( XXXX ) Account # : XXXX XXXX ( Experian ) Account # : XXXX XXXX ( XXXX ) Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Barclays took a XXXX payment out of my checking account on XX/XX/XXXX. I saw it on the XX/XX/XXXX, I did not have the money in the account so my bank charged me XXXX. I called Barclays and told them of the mistake it was suppose to be XXXX and that to correct the problem. Barclays also charged me XXXX for the return funds because the XXXX was not in my account but the XXXX was that they were suppose to take. 
XX/XX/XXXX They again tried to take out the XXXX after I called them on the XX/XX/XXXX and told them it was a mistake. Again my bank charged me XXXX fee for the over draft and I am sure they are going to charge me another XXXX. 
They told me they were not going to try it again but did not offer to fix the issue that happened yet again after I called on the XX/XX/XXXX and specifically told them it was a mistake. They should NOT have the right to keep trying to take XXXX out of my account. 

The card I am referring to from this company is not listed it is a XXXX XXXX XXXX world card. Website is https : //cards.barclaycardus.com/
Product: Checking or savings account

I opened a Platinum Business Checking account with US Bank on XXXX with promotion code XXXX. The terms and conditions of the offer says that if I made deposit of {$30000.00} within 30 days of account opening and maintain at least that balance for 60 days after the account opening, I will get {$800.00} bonus interest. I called to downgrade the account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX several days after account was opened and was told by the rep on the phone that it won't affect the promotion on my account. The Terms and Conditions of the offer also did not prohibit the account type change. I should receive {$800.00} bonus for XXXX XXXXXXXX XXXX but only received {$300.00} for XXXX XXXX XXXX. I have attached the offer and proof that my account was opened under XXXX XXXX Checking type.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. C S 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Vehicle loan or lease

After the closing of US AUTO SALES I discovered my warranty that was paid for upfront was void. The monthly state insurance was never valid. Westlake financial is now repossessing my vehicle. I am unable to use my purchased warranty any further. Also, according to the county I reside in, my insurance was never valid. I contacted westlake once I became aware of them purchasing my loan. The representatives were extremely argumentative and threatening legal action. Their only offered solution is repossession of my vehicle. I asked to be transferred to the escalation team or a supervisor. I was denied that request multiple times. There has been XXXX communication between us auto sales since closing their doors. Westlake financial calls me roughly XXXX times per day. My entire contract was violated and now they are only offering the solution of repossessing the vehicle I paid for. I was never behind on payments with us auto sales. I have a XXXX  XXXX XXXX that was purchased in the beginning of XXXX. The most recent representative at Westlake financial laughed and berated me when I asked for the next steps or some guidance. When I requested further assistance he asked for what and stated he was unable to transfer me anywhere. He suggested I go and watch for the repo truck. I have been unable to reach anyone at US AUTO SALES for any help.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two child support cases that are being reported on my credit file. The balance amounts are incorrect I have no balance on my account there is only 1 case that I had and my child is over XXXX XXXX XXXX and the account is closed never paid late and satisfied in full. 
I noticed another account is being reported on my credit which Is not mine. I requested validation to be made and re-investigation there has been no effort made from the credit bureaus. There is also a repossession being reported which does not belong to me but its being reported on my file being reported as my vehicle.
Product: Mortgage

Supreme lending XXXX # XXXX XX/XX/2019 credit check was ran XX/XX/2019 come back with loan scenarios XX/XX/2019 sends loan scenarios again not loan estimate XX/XX/2019 sent a email for loan estimate again and shows server not active. 

They kept give me the run around on getting a loan estimate, kept sending me information that didnt have the right amounts or interest rates that were discussed.
Product: Prepaid card

As a service member the need to use this cards is sometimes inevitable, i travel around the state a lot so i use it as gift or sometimes use it to make purchase at our destinations but when you buy these cards and you feel its time to use it and you get to the store only to determine its totally empty, makes me look stupid i plan to sue incomm at the small claim court, if this keeps happening to service members whats the fate of an individual thats not in service, whats incomm doing to protect us? I want my refund check
Product: Credit reporting or other personal consumer reports

XXXX is reporting AMERICREDIT/GM FINANCIAL Account Number XXXX as a charge-off in the amount of {$5800.00} on my credit file. 

My Rights. 15 U.S.C1681 section 602 A states I have the right to privacy. 15 U.S.C1681 section 604 A. section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C1681c. ( ax5 ) section states, a person shall not furnish any information relating to any consumer reporting agency if the person knows or have reasonable cause that the information is inaccurate. The FCRA does not allow income to be reported on a consumer 's credit report because it violates privacy and income is not considered relevant for determining credit risk.

Although the original creditor has already received a tax break for writing the account off as profit loss and reported said accounts to the IRS as my income ( via the 1099-C that I never received ), the account continues to be reported as a charge-off on my credit file. The FCRA does not allow income to be reported on a consumer 's credit report The inaccurate representation of income as a charge-off on my credit report grounds me to seek statutory damages and/or the involvement of the IRS. Due to said charge-offs on my credit report, recent loan and charge card applications were denied. Additionally, the inaccurate representation of income as charge-offs on my credit file prohibits me from purchasing a home, causing emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is no longer assigned to this account. I have attempted numerous times to reach out to them to have information updated and their company removed from my tradeline. The current company assigned to this account is XXXX and XXXX XXXX. Attached is the documentation for verification as well as account update information.
Product: Mortgage

i had an original complaint about the loan stating that XXXX XXXX XXXX, complaint number XXXX. after being in court today, XX/XX/XXXX, i have been told by the attornies that XXXX XXXX XXXX was not the bank that foreclosed. the bank is XXXX XXXX XXXX XXXX, so i would like to open a new complaint against them. they foreclosed on a fraudulent and predatory loan that somehow they acquired. the issues are still the same, terms agreed upon were changed by the home lender, XXXX XXXX XXXX, during the document signing. with the terms changed it made this loan unpayable. the truth in lending act was violated and numerous other violations were done. i have a forensic audit on the loan proving this. the company XXXX XXXX XXXX went bankrupt in XX/XX/XXXX after writing multiple bad loans. i should not have lost my house, it is now up to XXXX XXXX XXXX to correct this miscarriage of justice. i need answers quickly, i can not wait 60 days. the new owner is pushing for eviction. i need all matters involving my house to be reversed by the government. please call me @ XXXX or e-mail me, XXXX this matter is very urgent
Product: Credit reporting, credit repair services, 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 - Acct # XXXX XXXX Department of Education - Acct # XXXX XXXX  - Acct # XXXX XXXX - Acct # XXXX XXXX XXXXXXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXXXXXX XXXX - Acct # XXXX XXXX  XXXX XXXX - Acct # XXXX XXXX XXXXXXXX XXXX - Acct # XXXX XXXX XXXXXXXX XXXX - Acct # XXXX XXXX XXXXXXXX XXXX - Acct # XXXX XXXX  XXXX - Acct # XXXX and XXXX XXXX  - Acct # XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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
Product: Payday loan, title loan, or personal loan

I filed bankruptcy on XX/XX/XXXX and the bankruptcy was granted on XX/XX/XXXX. I forwarded a copy to Onemain Financial but they continue to report the loan as late on my credit report.
Product: Credit reporting or other personal consumer reports

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX XXXXXXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 

I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXXXXXX XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just understand how my scores went from 840s to the 770s with NO ACTIVITY on my reports??????? I have attached all 3 scores and the only Debt I have in my credit report should only be my XXXX loan. $ XXXX range balance. I am very clueless and I need an explanation from each of the Creditors.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite my repeated requests for a thorough investigation into these inaccuracies, no resolution has been provided. These errors are severely damaging my credit file and negatively impacting my life. 

The ongoing presence of these inaccuracies has caused significant hardship. Therefore, I respectfully request that you conduct a comprehensive investigation into each disputed account and take the necessary steps to rectify my credit report without further delay. 

It is imperative that the accuracy and integrity of my credit file be restored so that I can regain control over my financial well-being. I urge you to give this matter your utmost attention and take swift action. 

Thank you for your understanding and assistance.