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

Company has refused to comply with federal law and consumer laws violating my rights as a consumer. The company has violated my privacy rights under The Privacy Act of 1974. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). Congress advises any of my private information is not for public. The reporting agency is a non governmental entity, meaning Eye must give you consent to report the account to my consumer report. According to 15 U.S. code 6801, 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,15 U. S. code 6802 follows by adding that, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice. XXXX XXXX XXXX is a nonaffiliated third-party, therefore they do not have permission to report to my consumer report. There is no contractual agreement of obligation to this debt collection agency for any amount. 15 U.S. code 6802 ( 1 ) also follows to insure the security and confidentiality of customer records and information. XXXX XXXX XXXX was provided information illegally from XXXX XXXX, which according to XXXX and their privacy policy advises XXXX XXXX will not disclose my information to third parties and other inquirers without my consent. I have never given XXXX XXXX XXXX to disclose my information with XXXX XXXX XXXX ( a third-party ). According to XXXX, A third party is a person or entity that has no contractual relationship with XXXX XXXX to perform services or act on behalf of XXXX. According to, 15 U.S. code 6802b, there must be 3 disclosures first before any of my information can be exchanged regarding an account and Eye must first agree to having the information of the reported account disclosed to the public. Eye have not agreed to having this account disclosed. Therefore XXXX XXXX XXXX must be removed from my Consumer report and XXXX, XXXX and Experian a non-affiliated, ( Third party ) of XXXX and XXXX XXXX XXXX must delete the collection account from my consumer report. The collection account with, XXXX XXXX XXXX has been disputed on both, XX/XX/XXXX through a CFPB complaint, # XXXX XXXX through XXXX. All reporting agencies XXXX, XXXX and Experian has continued in their efforts to disregard my consumer rights, violating federal law and privacy rights under The privacy Act of 1974. It is imperative that this matter is resolved immediately and the Collection account is removed.
Product: Payday loan, title loan, personal loan, or advance loan

After Checking my credit report there was a XXXX account opened that I didnt open from absolute resolutions
Product: Credit reporting, credit repair services, or other personal consumer reports

I started freedom debt relief in XX/XX/XXXX. I had credit card with XXXX  owing about XXXX, I enrolled in the problem and was told I would have a monthly payment of {$300.00} and once a settlement was made with the bank I would be paying off my debt in no time. I was mislead in many ways, I am a XXXX year old mother of XXXX and was told that once a settlement was made what I was depositing was going to be put towards service fees and my debt to XXXX XXXX. From XX/XX/XXXX to now XXXX I have made numerous phone calls asking where my money is going and why things arent being done and got no progress and assurance anything was happening. I was told somewhere in XXXX a payment was denied so my account went void but got an email in XXXX, 3 months after the fact meaning now my settlement was lost and had to be resettled. I have invested {$3300.00} into this program have {$400.00} in my dedicated account towards my debt and only {$19.00} was paid to XXXX on XX/XX/XXXX. The program charges {$3000.00} for their services but stated they couldnt pay XXXX  and had to drop the settlement because there wasnt enough funds in my account. I have the ledger from the company of all my payments and dont understand how a payment failed when the took out of the same account numerous times causing my account to overdraft with no problem. The staff they have on phones do not answer any questions and constantly transfer you. They all have attitudes and basically at the end I had to cancel the program do to the worry of losing out on even more money with the company being so condescending. They told me I would only be getting back {$130.00} roughly, when Ive invested so much into paying off my debt. I paid {$3000.00} for ultimately nothing. No straight answers, no time frames when I asked for them into how much longer I needed to pay and no exact answers of where my money is going to. Other than {$19.00} out of all of this was paid to XXXX   and they failed to tell XXXX that they wouldnt continue paying them until their fees were paid. Freedom debt relief took advantage of me my family and my financial crisis.
Product: Credit card or prepaid card

i had a hard inquiry from applying for credit and i got denied i didnt allow them to pull my credit. I would like to remove the hard inquiry on my report with Capital One Bank Usa.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I hope this message finds you well. I am writing to bring to your attention some errors that I have discovered on my credit report. As per consumer laws, it is crucial that all information reported is accurate and correct. 

I have previously informed your company about these inaccuracies, and I am pleased to inform you that the item in question has been successfully removed from one of my credit reports. However, it still remains on the other XXXX reports, namely XXXX and XXXX. 

I kindly request that you promptly delete or correct this information on all three credit reports to ensure consistency and accuracy. It is important to note that credit plays a vital role in the purchasing process these days, and these errors have caused me a considerable amount of distress. 

I appreciate your immediate attention to this matter. Please provide me with an update on the progress made in resolving this issue. Should you require any further information or documentation from me, please do not hesitate to let me know. 

Thank you for your understanding and assistance in rectifying this matter. I look forward to a speedy resolution.
Product: Student loan

My Loan was sold to Great Lakes student loans and anytime I called between XXXX to ask for an income repayment plan I was pushed into a forbearance without an income related amount being relayed. Not even {$0.00}. I didnt know better and took the forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 Equifax received a letter from me requesting documentation of the following items they are reporting on my credit : XXXX XXXX, XXXX # XXXX XXXX XXXX # XXXX XXXX   XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX   XXXX  # XXXX At the same time, I also requesting thus documentation from the creditor. On XX/XX/20, I received an email stating the accounts were verified but no documentation was sent. 

XX/XX/20 I placed a call to Equifax in an attempt to still locate the documentation. The agent informed me that they have also requested documentation but have not received it however, they will still report this on my credit. I asked to be transferred to a supervisor, and I was transferred to " XXXX  '' agent # XXXX. Supervisor XXXX  was very rude and rushed me off the phone hanging up in my face, unconcerned. I placed another call to which I was connected to agent XXXX XXXX. I asked XXXX to transfer me to a US agent and he said he couldn't because of the system and also hang up in my face.
Product: Money transfers

My name is XXXX XXXX. I currently bank with Chase. They have a service called XXXX. 
I have used this service in the past successfully. 
On trying to use this service again, I just found out that they changed it. The person receiving the funds is now required to submit their financial information to a third party called " XXXX XXXX '' My con plant is that I was never asked about this, or any discussion submitted The Chase financial institution, without my permission has required my friends to submit thier financial information to an unknown third party with unknown and unvetted credentials. 
This is a serious and onerous breach of trust and SECURITY since the aforementioned bank, Chase, recently experience a massive breach in security, requiring them to cancel all their cards and issue new ones with added security. 

In light of this fact, it seems to me the height of arrogance, insolence, aloofness, superciliousness, chutzpah and disdain by the bank, to subject the customer and the customers financial friends to a third party and unknown security credentials without permission. 
I am extremely disappointed in Chase and their behavior. They are always asking for feedback and customer satisfaction, but I see now that all is is merely lip service and means very little. If they truly were concerned with the well being of their customers, they could have, and would have asked for the customers opinion and carefully weighed the customers concern and explained the matter, instead of acting in such an imperious and 19th Century provincial, highhanded and uncaring manor. 

Thank you. 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account from my credit report : XXXX XXXX XXXX : {$0.00}
Product: Payday loan, title loan, or personal loan

On XX/XX/2019, I applied and was approved for a loan with this lender. I had to provide my ID, social security number, proof of employment, bank statements showing Automatic Clearing House ( ACH ) deposits from my employer, and set up an allotment and show proof. Kashable is a lender designed to help it's employees and federal employees with loans. 

However, I was told on XX/XX/XXXX that my loan would not be finalized because I have a business account and my loan would get rejected by my financial institute. I told the woman that is not true as my agency deposits ACH payments into my account and I never had any issues. 

I was then placed on hold and told that they will reach out to my financial institute as a courtesy to me but needed a manager on the phone. The manger XXXX was busy. I was told that I would receive a phone call later that day. I did not receive a phone. 

On XX/XX/2019, I reached out to Kashable under the impression we would be reaching out to my financial Institute to better address this concern Kashable claimed to exist. 

During the phone call XXXX told me something extremely different than the information I had heard the day prior. He told me that my business account was not a checking account which it actually is. He rudely told me we denied your application because you don't have a checking account. 

I then proceeded to ask could I speak to a manager. He hesitated and begin to deflect my questions. Then he finally told me that he was a manager and my loan had already been decided on. I asked to speak someone higher than his position. He told me that everyone is busy and he is the only one I could speak with because he is in charge. I asked him again who else could I speak with. He finally tells me XXXX I believe. I asked could I have his direct line he said they don't have direct lines. 

I asked could I receive a call back from him he explained that he will relay the message. I have not heard from this person and it has been about 3 hours. I was told I should hear something back within 2 hours. 

XXXX became very unprofessional and sound as if some of the information he was giving was not factual and made up as the conversation carried on.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized inquiries that appear on my credit report, as well as to assert my rights concerning the documentation you may request from me in relation to this dispute. 
Upon reviewing my credit report, I have identified the following unauthorized inquiries : The inaccuracies are highly injurious to my credit score. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> I did not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. As such, I request that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. 
Furthermore, I would like to assert that, under the Fair Credit Reporting Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit reporting agencies must conduct a reasonable upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for investigating my dispute is not only unnecessary but also places an undue burden on me as a consumer. 
I expect you to adhere to the FCRA 's guidelines and conduct a thorough investigation into the unauthorized inquiries without requiring any additional reports from me. Failure to do so may result in further action on my part to ensure my rights under the FCRA are upheld.

Please acknowledge receipt of this leter and inform me of the steps you will be taking to address my concerns. I expect a response within 30 days, as stipulated by the FCRA. 
Thank you for your immediate attention to this mater. I trust that you will handle this dispute with the seriousness and urgency it warrants
Product: Credit reporting or other personal consumer reports

It's been bothering me how It was possible for credit inquiries that I don't recognize or applied to - to appear on my credit report which is a clear violation of my rights, I never gave these companies consent nor authorized them to access my credit report.
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 that you post on a credit report. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. 


XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX/XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Under federal law , you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Checking or savings account

I went to make a purchase on my debit card and it was decline, after several attempt to purchase and being decline ; I contacted the bank by phone. The representative stated that everything was fine and it appeared that a new card was being issued, so i went to the bank to withdraw and find that my account was being closed and that I can only put money in, but not withdraw. I was given a number to call, but was unable to make contact due to the weekend. I followed up Monday morning, both in person and by phone too no avail. After the bouncing around by the bank, I was finanally told that my account was being closed for a deposit made and that I want receive my money out of my account until XX/XX/XXXX by cashier check. I was not given an option to close out my account and due to my bankruptcy this cause my case to be dismissed for non payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these negative items from my reports it has been months and I have disputed these items multiple times and have not received any notice or anything it has been more then thirty days and I have been harassed from creditors and regards to debts that are inaccurate please look into this matter immediately I have did some research and there are clear violations from the fcra and fdcpa
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, have noticed XXXX  XXXX XXXX  of my/XXXX XXXXXXXX XXXX reservation of rights UCC 1-308. 
On XX/XX/2018 I, XXXX XXXX XXXX, promised to pay/scheduled payment to XXXX XXXX XXXX  in the amount of {$860.00} as full payoff of the cards purported balance. 
The foregoing payment was accepted/received by XXXX XXXX XXXX  on XXXX XXXX. 
XXXX XXXX XXXX  has punitively " remarked '' my credit report with not only additional fees that was not originally owed, but also XXXX XXXX XXXX  has punitively placed 34 charge offs on my credit report severely rendering me unable to obtain credit. 
I, XXXX XXXX XXXX, am not in receipt of any paper or verified documents that would lead to any legal conclusions of fact which might prove otherwise. 
I have requested via USPS certified mail that XXXXXXXX XXXX XXXX  Validate the alleged debt said to be owed by XXXX XXXX XXXX, however XXXX XXXXXXXX XXXX wilfully refused and in violation of 15 U.S.C -1692 ( g ) ( 4 ), XXXX XXXX XXXX  continues to report unverified amounts said to be owed by XXXX XXXX XXXX See 15 U.S.C -1692 ( e ) Proof of Doctrine of Estoppel by Silence not supplied Engelhart vs Gravens ( mo ) 281 SW 715 719, I presume that no proof of the alleged nor therefore any such debt, in fact therefore exists
Product: Vehicle loan or lease

On XX/XX/2022 American Honda finance failed to disclose that I have a right to rescind the credit consumer transaction, which is stated title XXXX subject XXXXAmerican Honda Finance also made it an obligation That I pay a Down payment in the amount of {$3000.00}, Federal law states that it is illegal to make a person pay for something that there beings financed for.American Honda Finance would then make it mandatory for me to pay for insurance out of pocket, which was {$980.00} from XXXX XXXX XXXX .According to title 15 Subsection 1605, the finance charge is the total of all charges, which means the insurance should have been included with the finance charges.
Product: Credit reporting or other personal consumer reports

I have been requesting for Experian to fix the issue with my credit score not being updated properly. I feel like Im being forced to spend countless amounts of money just to see my updated credit score. I have no need for the extra stuff that is being offered in these so called offer. I just want to be able to see that my updated credit score and to make sure its increasing. I would also like to make sure that my score is accurate, which is stated in my XXXX XXXX  accounts with my XXXX and XXXX plans. The Experian App and the online website has a notification on my credit account that says my credit has not been updated since XX/XX/2023 and the only way to get the accurate score is by paying for Subscription through Experian.
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 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

TDAF is reporting a debt on my file, and I no longer owe it. This debt is not only really old, it's past the statute in California. I am requesting this debt to be removed off of my credit file. I no longer owe this debt under statute laws, and should not be reported.