23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I canceled my auto insurance with XXXX  dice their rates were getting so high, well before it was due to renew on XX/XX/2016. However, I had to pay a {$50.00} fee for cancellation of my insurance which I dont know is legal or not. But, I received a bill for {$330.00} from XXXX, long after I had gotten insurance with someone else ; this amount was the renewal fee if I had renewed with XXXX, but I did not. The {$330.00} is the exact amount for renewal in on XX/XX/2016, if I had chosen to renew. XXXX is putting this bill on my credit report, and I do not owe it as I told them I was not renewing and had to pay {$50.00} for canceling the insurance I had ; in fact, I canceled earlier than my previous insurance went out and they got to keep the remainder, but refuse to remove this bill that I do not owe from my credit report. And, each months bill was auto-debited from my account, so XXXX would have taken any amount I owed out if I really owed anything. I feel, the company is just aggravated that we did not renew with them with this high renewal monthly premium, and they are trying to hurt and are hurting my credit with a false bill.
Product: Debt collection

I dont not owe this debt with Well Fargo and I dint not have a contract with the company but they reporting on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX, EQUIFAX and XXXX are violating my rights under the Fair Credit Reporting Act. XXXX, EQUIFAX and XXXX are reporting adverse items on my XXXX XXXX account without my permission which is a direct violation of 15 USC 1681 C ( a ) ( 5 ) which 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. is reporting late days on my credit report for this account. This reporting is clearly adverse and being reported without my permission, which is against the law. 15 U.S. Code 1681 ( e ) states, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX, EQUIFAX and XXXX do not maintain reasonable procedures. 
Any and all consent to report adverse items by XXXX, EQUIFAX and XXXX and XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked unless the reporting is paid as agreed or Current. 15 U.S.C. 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. XXXX XXXX never informed me of my right to exercise my nondisclosure option. 
According to the Fair Credit Reporting Act, XXXX XXXX XXXX section XXXX ( a ) states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I am the consumer, and XXXX, EQUIFAX and XXXX are the reporting agencies and I have the right to make sure that my private information isnt shared and is backed by XXXX XXXX XXXX, It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX is a financial institution, by definition, under that title. XXXX XXXX XXXX section XXXX ( a ) section XXXX states that In general subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX, the financial institution, and XXXX, EQUIFAX and XXXX, the consumer reporting agencies, DO NOT have my consent to furnish adverse information and they surely DO NOT have my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

*THIS IS NOT A DUPLICATE COMPLAINT, THIS COMPLAINT IS IN RESPONSE TO MY PREVIOUS COMPLAINT * TO WHOM THIS MAY CONCERN, THIS IS MY LAST TIME ADDRESSING THIS FRAUD INFORMATION THAT IS STILL REPORTING ON MY CONSUMER REPORT. IT HAS BEEN WELL OVER 30 DAYS FROM THE TIME I'VE MADE YOU ALL AWARE OF THIS INACCURATE INFORMATION ON MY REPORT BUT IF THIS ISN'T FIXED WITHIN 14 DAYS I WILL BE FORCED TO FILE FOR LITIGATION IN A FEDERAL COURT. THE FOLLOWING INFORMATION NEEDS TO BE BLOCKED AND REMOVED FROM MY CONSUMER REPORT : FRAUDULENT ACCOUNTS: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Hello, i am complaining here because i have contacting TransUnion reguarding unauthorized usage of my credit, XXXX and XXXX have resolved this issue and recieved my complain, TransUnion has not, I have never gave any authorization to have my credit ran by any of these companys, and I have kept all my information secure, I also have a fraud alert set up, You need to remove these fraudulent information immediately from my credit report as I am a victom of XXXX XXXX. Resolve in a timely matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not own any vehicle and I was never looking into purchasing any vehicle
Product: Credit reporting or other personal consumer reports

I was shocked this morning to find incorrect accounts on my credit report, and I have no clue why they're there. I check my report regularly, but this time, these errors just appeared out of nowhere. I even tried refreshing the page, thinking it might be a glitch, but the errors didnt go away. Im really concerned about this and urgently request that the documents Ive provided are reviewed thoroughly, so I never have to stress about this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX Late Payment XXXX XXXX XX/XX/XXXX CB/XXXX  Late Payment XX/XX/XXXX and XX/XX/XXXX XXXX Late Payment XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

I am contacting you as a victim of the Data Breach. Since my information was compromised, I am invoking my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from my credit file.

Please take the necessary actions to ensure that any unauthorized or fraudulent accounts, as detailed in the accompanying documentation, are blocked and removed from my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights .

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.
Product: Credit card or prepaid card

Today I had paid my balance of {$550.00} in full, and yet the customer service representative mentioned to me I would be responsible for {$250.00} in additional interest because I did not pay this promotional balance in full by XX/XX/XXXX. This is unfair deceptive and misleading business practices UDAAP and Fair Debt Collection Practices Acts ( FDCPA ) because I never received any disclosures or clear information to this effect. I am absolutely disgusted by these mob collection tactics by Best Buy and Citibank. 

Previously, I had submitted a complaint in XX/XX/XXXX about excessive interest charges which were never disclosed to me, on or around XX/XX/XXXX, Best Buy/Citibank had credited these excessive charges and installed a promotional rate as of XX/XX/XXXX, which misled me to believe the promotion would be in effect through XX/XX/XXXX. 

Further, I have never received my Best Buy Credit card, any monthly statements, and because I do not have my Best Buy credit card in my possession I am unable to view charges online, etc. This lack of information is denying me the opportunity to be able to act proactively on any account changes. 

I have set my account on autopay to show my good faith since XX/XX/XXXX, and I call in repeatedly to verify my account status in good standing, and NEVER ONCE did the customer service mention the loss of a promotional rate and which date it would be occurring, etc.
Product: Debt collection

XXXX XXXX XXXX XXXX. XXXX, XXXX ( Retired ) XXXX XXXX XXXX XXXX, Georgia XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX In reply to your letter dated XX/XX/XXXX Recd o/a XX/XX/XXXX Re XXXX # XXXX This is My FINAL communication with you! You have apparently not read or have Employees who can read the previous communications. <P/>I am a retired XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am XXXX YOA and have all my faculties. <P/>I am not impressed at with your False Investigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Two Statements and two advertisements do not qualify as an investigation. I think I have given you this statement previously. This was sent to XXXX early on : ( XX/XX/XXXX ) I contacted your support for help to get the XXXX router working, which I paid {$190.00} for. The XXXX worked great for about thirty days, and I have had nothing but trouble since. I have sought help from the company store, your local support, and by your Phone support without success. I have to reboot the router at least 4 or 5 times a day and recently every hour. My phone is also attached to the router and everyone is getting mad with me because they cant reach me by phone. I was still having problems with it when it was finally turned off! I have found an alternative service. I am terminating this account as of XX/XX/XXXX the date it was last used. Im enclosing my check for {$52.00} again, which is my FINAL PAYMENT for the XXXX Router Conection. I will take the other charges that I paid as a lesson learned. I have received far less service from you than I agreed to pay for. I am totally disappointed with XXXX, and I can never recommend you to anyone in the future. I will not pay for a system that does not work! This is the Last time I will waste a Postage stamp telling you whats wrong with this account. <P/>There is no law in the world that would require me to pay for a service that doesnt work. I paid all fees for seven months hoping we could have gotten this to work. I have all the bills they have continued to send me thru XX/XX/XXXX. Starting with a {$0.00} balance in XX/XX/XXXX to a {$230.00} in XX/XX/XXXX. Including your firm, I have received collection letters from 7 different collection agencies. Yours is the last. <P/>Yours Truly, XXXX XXXX O XXXX , XXXX Copy : CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I noticed there were inquiries listed that I did not recognize. 
I contacted ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ), who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 
Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that BMW has denied me credit. I the natural person, original creditor, and applicant, am aware that letter I received is a adverse action letter pursuant to 15 USC 1691 ( d ) ( 6 ). As the ORIGINAL creditor, I initiated a consumer credit transaction with my credit card pursuant to 15 USC 1602 ( L ) making BMW an assignee pursuant to 15 USC 1691a ( e ). I FILLED OUT A CREDIT APPLICATION ( exhibit A ), not a loan application because no financial institution can LOAN money pursuant 12 USC 1431. Furthermore i did NOT receive any benefit from that transaction which has negatively impacted my credit ( exhibit B ). This inquiry from BMW proves the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant with such respect to ANY aspect of a credit transaction as congress states pursuant to 15 USC 1691 ( a ). Lastly, congress no credit card shall be issued except in response to a request or application thereof pursuant to 15 USC 1642. It is shocking to me that BMW Takes pride in their ignorance of consumer protection. Regulation Z, equal credit opportunity act and the fair credit reporting act are all publicly available to relief you of your ignorance. Ignorance of the law is no excuse. As a result of the adverse action i have lost faith and confidence in the public banking system. As it has directly impaired me from exercising my right to extend credit. I DEMAND, that you show me the statements of reason for exactly why is denied credit. Keep in mind that the Fair credit reporting act states that any report containing information solely as to transactions or experiences between the consumer and the person making the report. Communication of that information among persons related by common ownership or affiliated by corporate control ; or communication of other information of other information among persons related by common ownership or affiliated by corporate control. And lastly the a consumer report shall not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.
Product: Checking or savings account

I filed for identity theft and submitted fraud charges to Bank of America. I was told these transactions match my spending habits and I am liable for them. 

XX/XX/2019 {$150.00}XX/XX/2019 {$10.00} XX/XX/2019{$43.00} XX/XX/2019 {$11.00}. 37 XX/XX/2019 {$200.00} XX/XX/162019 {$49.00} XX/XX/2019 {$120.00} XX/XX/2019{$100.00} XX/XX/222019 {$52.00} XX/XX/2019 {$10.00} XX/XX/2019 {$14.00}XX/XX/2019 {$48.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

fact, I the affiant is aware and have proof that TransUnion has and definitely continues to violate my consumer privacy rights. I the affiant during my personal investigation, observed XXXX violations and counting on my consumer credit report. TransUnion continues to be in violation of 15 U.S. CODE 1681 ( A ) ( 4 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692 ( D ) ( 1 ) ( 3 ) 15 USC 1681 ( A ). Even after being informed that the information was in fact incorrect and should not have be placed on there. Due to Transunion willful and gross behavior ; I have been reputedly violated and as a result of Transunion negligence, I have been Injured numerous times. The injuries include but are not limited to being denied credit, My valued reputation has been utterly disgraced and ruined, loss of business income, XXXX, and mental anguish.
Product: Credit card or prepaid card

Website functionality issues dont allow me to cancel autopay and operator over the phone was unable to help cancel it either. Every month {$100.00} gets deducted from my business banking account whether or not my card has a balance.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving user vulnerable to scams this lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX XXXX XXXX XXXX XXXX  - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX XXXX XXXX XXXXXX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX XXXX XXXXXX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX XXXX XXXX XXXXXX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

Trans Union, XXXX, and XXXX have violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 data is inaccurate.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX I took out a {$800.00} short-term loan with Northernstar Lending as I needed a short-term loan to get through the month. 

I was told the payments would be {$120.00} a month. My wife reviewed the agreement and notified me the payments were in fact {$120.00} a week and the finance charges were over {$5400.00}. 

When I contacted Norternstar they told me I could payoff the loan early at anytime. But that my payments of {$120.00} would be drafted from my account weekly if I could not pay the balance off early.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes in the past to have the XXXX XXXX of a Bankruptcy ref # XXXX removed from my credit reports due to being inaccurate. I contacted XXXX to dispute the information as well. XXXX removed the information from my consumer report as of XX/XX/2021. XXXX, Equifax and XXXX have failed to remove the inaccurate information even after multiple disputes and despite the furnisher of the information " XXXX '' deleting the bankruptcy ref # XXXX from my consumer report. The latest letter sent to all three bureaus to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information... ect. Neither XXXX, Equifax, nor XXXX have provided me this information in the 15 day time period allowed and am making this complaint to show abuse, bias, and prejudice by not affording me my rights under the FCRA or deleting the information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

No amounts where settled or fixed by XXXX XXXX rather than the scammer falsely claiming to be me. This happened last year. I opened up a bank account with my father and I received a letter about a XXXX XXXX account that was closed but I had never opened it. It was received to my fathers po box which I dont use. I worked and worked my way into finding out by opening credit cards as I worked and always paid on time. I came to the conclusion on who this might be and it is a family member that lives with us. I dont want to be blaming him but it isnt fair that they they thought I was doing illegally stuff when I was doing everything right the legal way. Now I want to do this right by speaking up. Its illegal to be tampering in peoples business this way. Also paid subscription of XXXX XXXX that were going thru a credit card that I never opened up? So there was two XXXX XXXX accounts? I grew and grew to the point where I saw the whole scam being committed by this person. I have not paid these cards ever since XXXX last time I used one was XXXX. I was authorized to my parents credit cards and the person using my name was slowly showing up in the system.
Product: Credit reporting or other personal consumer reports

I called the XXXX and spoke with a Supervisor but she refused to removed all other addresses that are not my current address. According to the FCDA, all incorrect information must be removed from the credit report.