23daVinci/CFPB_Complaints huggingface dataset:
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 Account Number : XXXX has violated my rights. Account Name : XXXX XXXX Account # : XXXX has violated my rights. Account XXXX : XXXX Account # : XXXX has violated my rights. Account Name : XXXX XXXX XXXX Account XXXX : XXXX has violated my rights. Account Name : XXXX XXXX XXXX  Account # : XXXX has violated my rights. Account Name : XXXX XXXX Account # : XXXX has violated my rights. Account Name : XXXX XXXX XXXX Account # : XXXX has violated my rights. Account Name : XXXX XXXX XXXX XXXX  Account # : XXXX has violated my rights. 15 USC 1681 Section 602 A. 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 an account without my written instructions. 15 USC 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 USC 1681s-2 ( A ) ( 1 ) a person shall not furnace any information relating to look at summer to any consumer reporting agency if the person knows or has a reasonable cause I believe that information is inaccurate.
Product: Checking or savings account

Hello, this is a complaint about the app XXXX  which was a XXXX XXXX app for sports. XXXX $ dollars worth of their credits was purchased and the way this works is you buy the credits and spend them so they remain in your account. And then you can withdraw the credits later for real money. However what this company did was provide promotions for credit matches up to XXXX $ and more within the same week which caused everyone to purchase credits and have them sit in their accounts because you get value. I hope this is making sense. After that the company just shut down. Their XXXX has been inactive and went private, no one answers emails, the app doesnt even work anymore and there just gone. The parent company or whoever was the ones charging me are known as XXXX they charged me {$100.00} on XX/XX/XXXX {$100.00} on XX/XX/XXXX {$100.00} on XX/XX/XXXX {$25.00} on XX/XX/XXXX {$25.00} on XX/XX/XXXX. For a total of {$350.00}. As you can see the large charges are pretty close together showing how they decided to release these promos in an act of fraud to get people to spend money before they disappear. This is a public thing and has happened to many people, a quick XXXX search would show others describing their experiences and their anger about this situation as many people were scammed. I personally contacted Wells Fargo right after it happened and after 2 months they tell me they wont do anything about it. Id really appreciate if you guys could help me considering this is such a public issue and hasnt just happened to me. I can include other things that are needed for you guys if I get a response but at this time I dont have any idea of items that could help you guys. I have bank statements but it says dont provide personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second complaint I have filed for this same issue. 
CFPB claim # is XXXX. 

The day after I bought the car a XXXX XXXX, it stopped dead in the road twice and I had to have it towed to a mechanic, I could only use the mechanics that they told me to or I would be voiding my warranty. I took it there and also found out that my catalytic converter was about to go, I was unable to use my car for a month. Because I had to pay to have it fixed and made limited money at the time I was late on a payment. Apparently, it is Car Hops policy to install a special device before I buy it that enables them to remotely disable my car. They would disable my car the day after I was late on my car without notice. 
This among other things was why I reported them to the CFPB for poor business practices and harassments. Please see the attached email that I sent to UAC when they did not follow through with their promises to cut my balance in half. 
Hello, I am a bit confused. When last we spoke and I agreed to an arrangement that was recommended by the complaint I filed with the CFPB and we agreed my balance was to be brought down to {$2100.00}., and that my payments were going to be around XXXX. However the UAC website still showed the same balance and that my payment on XX/XX/XXXX will still be XXXX. I received a letter today that states the same thing. 
I also reported them to the FTC. Under the impression that I only had only this amount to pay to pay off the loan I continued to pay My monthly payment of {$170.00} on time. 

In XXXX of XXXX I was forced to move to XXXX. Because the car was so unreliable I decided to have it transported. At this point I thought I only owed a remainder of {$750.00}. 
The car transport company refused to deliver my car ( it was supposed to be delivered on a Friday ... when I would be receiving my last pay check ) but they 'claimed ' they tried to deliver it on a Tuesday and demanded payment. *this was all by phone '' they never brought the car to my home in XXXX . I investigated with XXXXXXXX XXXX and discovered my car parked outside of some ones house in XXXX in a VERY nice neighborhood. It hadn't even been impounded. I called Car Hop and told them about the theft and told them if they could go to the location and get my car I will pay the balance I owe as well as any fees. The manager, a man named XXXX said " NO WE DON'T DO THAT '', I tried to negotiate something to pay this off and get my car back but they refused. I ended up taking the bus in my new home for 1 and a half years, It wasn't until XXXX that I pulled my credit report and noticed that the negotiated amount was never reported and it is still showing that I owe {$2900.00} which is NOT true. If I owe anything it is only {$750.00} which they refused. 
It has been over 5 years since I last submitted a claim for this company and they are still harrassing me by keeping this erroneous information on my credit report. 
I am needing this matter resolved immediately and it removed from my credit reports.
Product: Credit card or prepaid card

Received bill and paid {$3000.00} for all charges XX/XX/XXXX through bill pay of bank Received XXXX Statement and funds not credited. 
Called and spoke with representative on XX/XX/XXXX and provided all reference numbers from bank as check had been send and cashed by company XXXX XXXX # XXXX   ). Reference XXXX, payment reference XXXX Received letter from Barclay XX/XX/XXXX now asking for copies of check from bank Sent XX/XX/XXXX by mail with copies of all bills/correspondence and statement Continue to receive abusive phone calls from credit company asking for payment several times per day.

NYS Attorney General Contacted and complaint filed.

This consumer abuse.
Product: Debt collection

There is a Financial Accts Services reported on my credit file for some place called XXXX  XXXX. It looks like an apartment complex or something. I have never lived there and it has been disputed and still keeps on my file. This is not MINE
Product: Credit reporting or other personal consumer reports

All letters sent on XXXX, 2024 I sent letters to all three credit bureaus, Experian, XXXX and XXXX disputing theses debts for varias reason. Some were placed back in my report with telling me. 

comenitycb/ulta- XXXX XXXX a letter to the XXXX credit bureaus to explain the following accounts were inaccurate and the account had been closed/paid off and they continued to bill me for a monthly credit card that I had closed XXXX XXXX loan Opened in XXXX Explained to me the debt was charged off after XXXX  years and now the debt was transferred to XXXX. 

XXXX XXXX XXXX XXXX I asked them to validate this debt. I closed this account and switched my phone to another XXXX and they said I still had charges and they could not tell me what they were for. 


XXXX XXXX- XXXX {$3000.00} XXXX  XXXX- XXXX {$2800.00} XXXX XXXX  XXXX XXXX {$8400.00} These companies did not respond and I sent letters via certified mail. 
My account with Experian has several errors, addresses, and former employees. 
Thank you
Product: Checking or savings account

I attempted to open an estate account at my local PNC Bank, XXXX, NJ after receiving clear guidance over the phone regarding the necessary documents. I was informed that I needed to provide the original death certificate, a copy of the court letter of administration or executor, and the XXXX. I brought the original death certificate, the letter of administration, and the XXXX number with me. However, I faced discrimination and a refusal to open the account due to not having the original letter of administration, which was unnecessarily requested. The bank representative, XXXX, exhibited discriminatory behavior and questioned my residency status, despite the fact that I live in New Jersey and the estate is located in New York. I believe this treatment is unjust and needs to be addressed.
Product: Credit reporting or other personal consumer reports

Since XXXXCa n't find documents because my apartment was flooded out
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent accounts on my credit file that hasn't been removed after submitting police report. 

XXXX XXXX A Last reported XX/XX/2022 {$230.00} Open balance XXXX XXXX BANK XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Last reported XX/XX/2022 {$4800.00} Open balance XXXX XXXXXXXX XXXX XXXXXXXX Original creditor Report info
Product: Credit reporting, credit repair services, or other personal consumer reports

The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX 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 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: Mortgage

Wells Fargo did not allow me to make back payments and would not let me work out anything with them and instead took my home back in 2011. As part of a current settlement they were supposed to mail me, but never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having trouble getting approved for the type of credit that my file deems me worthy of. I am going to provide the proper information which will allow you to verify and identify the erroneous information that is appearing on my reports. I recently found that i was a part of the breach of 2017 which crippled me. 
My File number with Trans-Union is : XXXX. 
I have also filed a report with the FTC which I have included in this complaint. 
FTC Report # XXXX. 
Here are the accounts that are that are showing ; Account Name : XXXX XXXX XXXX Account Number:XXXX Balance : {$2500.00} Account Name : XXXX XXXX XXXX Account Number:XXXX Balance : {$1400.00} Account Name : XXXX XXXX Account Number:XXXX  High Balance : {$2500.00} Account Name : XXXX XXXX Account Number:XXXX Balance : {$1400.00} Unauthorized Inquiry XXXX XXXX
Product: Credit card or prepaid card

I have recently been informed by BB & T that my XXXX  credit card is delinquent a balance of {$160.00} and {$50.00} of which has been reported to credit agencies for non-payment. 

I have not used the card recently and last paid my full balance off in XXXX XXXX. I have contacted BB & T collections and they are unable to explain the series of charges. 

The identified a " RAP Fee '' charged in the fall and then subsequently accrued late fees and subsequent RAP fees. In speaking to a dispute agent they said they did n't know what this fee was but indicated that it was not a merchant fee or charge but a BB & T internal fee. 

I have been attempting to contact BB & T via online portal but my account is locked as well as by phone and have been unsuccessful because of excessive wait times ( i.e., > 45 minutes ) I am concerned because this beginning to damage my credit and I do n't understand charges and am having systemic problems in contacting BB & T. 

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

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX US DEPT ED XXXX Balance Owed : {$480.00} US DEPT ED XXXX Balance Owed : {$1000.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Capital One Credit Card I applied for credit and was denied. 
I was told I could only obtain a secured credit card which I had to first deposit money onto. 
I was able to spend what I put on the card only. 
After ordering a replacement card somehow they are now saying it was credit instead of the secured card that I deposit money on. 

I asked for copies of transactions and I asked for a statement of the credit that was supposedly given to me. 
They provided the copy of transactions but not the initial credit agreement they say I was given. 
This was my first ever secure credit agreement. 
I was never given credit. I was originally denied. How could I obtain credit out of nowhere?
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer victim of XXXX  data breach and cyber security attack ; that cause the misappropriation of my good name, identity or suffer from or experiencing now ( Identity theft/fraud ) between XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX XXXX General Counsel sent to consumer via email an admonition due to there data breach and cyber security attack ; cause him to suffer from or experiencing now ( Identity theft/fraud ). Consumer provided a copy of the civil judgment previously reported to third party and other fraudulent activities were made public record on his XXXX Credit Report during or between XX/XX/XXXX and XX/XX/XXXX. 

The attach order for release of satisfaction is proof my Confidential and Personal Information was compromised supports and  substantiates AMEX and XXXX accounts are fraudulent having met criterion for Mediation program. 

XXXX Marketing of its False Credit Scores to Consumers As direct result, cause of XXXX  XXXX XXXX ; XXXX   XXXX ; XXXX XXXXXXXX XXXX , XXXX ( XXXX ) and dba XXXX XXXX XXXX ( XXXX ) arbitrary or capricious decision ( s ) to make or having made full disclosure or public record of ( 1 ) erroneous credit scores about the consumer were offered or provided to the banking industry, mortgage lenders and/or potential employers presented an inaccurate image of my credit worthiness that violated or in violation of Section 1036 ( a ) ( 1 ) of the CFPA prohibits unfair, deceptive or abusive acts or practices 12 U.S.C. 5536 ( a ) ( 1 ( b ) ( 2 ) such misrepresentations as described in above paragraph were false and misleading that constituted deceptive acts or practices in violation of section 1031 ( a ) ; 1036 ( a ) ( 1 ) ( b ) of the CPA. 125531 ( a ) 5536 ( a ) ( 1 ( b ). 

( 3 ) such false reporting of trade lines, ( fraudulent activities ) ; credit scores and civil judgment to said third party debt collection agency ( GCS Limited Partnership ) violated or in violation of Section 13 ( b ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 53 ( b ), Standards for Safeguarding Customer Information ( Safeguards Rule ), 16 C.F.R. Part 314, pursuant to Sections 501-504 of the Gramm-Leach-Bliley Act ( GLB Act ), 15 U.S.C. 6801- 6804 and Section 19831985 for injunctive relief, restitution and any other relief having violated FTC Act pursuant to 15 U.S.C. 45 ( a ) and Safeguards Rule 16 C.F.R. Part 314 to date
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed Equifax numerous of times that the account from XXXX/XXXX  in the amount of {$1000.00} is a result of identity theft. yet they fail to block this information. Both XXXX  and XXXX  have removed/blocked this account so Im confused as to the reason that Equifax fails to follow the law FCRA 605 ( b ). I am a victim of identity theft. The account XXXX/XXXX on my credit file of {$1000.00} is a result of such act. I request that you block this account in accordance to FCRA 605B ( A ). THIS CERTIFIES AS MY STATEMENT THAT THE INFORMATION REGARDING XXXX/XXXX  IN THE AMOUNT OF {$1000.00} IS NOT INFORMATION OR AN ACCOUNT RELATING TO ANY TRANSACTION CREATED BY MYSELF.
Product: Mortgage

Buying a new modular home/ {$30000.00} down payment was paid months ago ( approx 6 months )! Financing in place with XXXX mortgage co. XXXX arrived to dealers lot early XXXX delivered to my property XXXX XXXX 2022! Now dealer wants money from mortgage co, dealer calls me to do phone interview w/mortgage co who wants to set up payment plan starting in 16 days... problem is the home has not had its final inspection from XXXX XXXX & no certificate of occupancy has been issued! Both sides are pressuring me to start paying for a home that can not be lived in!!!!!!!!!!! 
I am not going to make home payments on a home I can't live in .. HELP
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VA XXXX RE : Dispute and Request for Validation of Alleged Debt Account Number Ending in XXXX Original Creditor : XXXXXXXX XXXX XXXX 

To Whom It May Concern, I am writing to dispute the validity of the alleged debt you claim I owe, related to an account with Capital One N.A. and identified by account number ending in 5840. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ), I am requesting that you provide sufficient evidence to validate this debt, as well as detailed information substantiating your right to collect it in the state of Pennsylvania.

To validate this alleged debt, please send the following information : Original Contract or Purchase Agreement : A copy of the original contract, agreement, or purchase documentation from XXXX XXXX XXXX. that created this alleged debt. 

Proof of Chain of Ownership and Assignment : Documentation verifying the complete chain of ownership, including proof of assignment for each transfer of this debt from the original creditor to Portfolio Recovery Associates.

Full Accounting History : A complete accounting record from the original creditor, detailing the date, amount, and application of each payment, fees, and charges. Please include the date of the first delinquency and any relevant payment history leading to the collection.

Proof of Collection Authority in Pennsylvania : Verification of your legal authority to collect debts in Pennsylvania, including a copy of your third-party debt collection bond, as required by Pennsylvania law .

Proof of Compliance with Required Notices : Evidence that you sent the legally required debt validation and collection notices to me prior to reporting this alleged debt to any consumer reporting agencies.

Until these materials are provided, I request that all collection efforts cease, including any reporting of this debt to consumer reporting agencies. Reporting unvalidated debts can constitute a violation of 15 U.S. Code 1692e, which prohibits misrepresentation in debt collection.

If you are unable to provide all requested documentation, please immediately remove this account from my credit reports and cease any further collection efforts. 

Thank you for your prompt attention to this matter. I look forward to receiving your complete response in writing within 30 days.
Product: Student loan

The auto-debit system overcharged me approximately {$540.00} for the month of XX/XX/XXXX. This placed undue pressure on my financial situation by making a large drawdown on my savings account. The auto-debit instructions make no statement about the potential to overpay for the month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this Derogatory off of my credit report for months. I have sent in 4 disputes, and nothing is being done. I have sent in proof what I myself am submitting the request to have this removed. I have filled for a full file disclosure and never received it.