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

I am writing to formally notify you of violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681n, about the unauthorized use of my consumer report by your organization. I have discovered that my consumer report was accessed and used without my express consent or lawful authorization, in violation of federal law.

Violation of 15 USC 1681n : Civil Liability for Willful Noncompliance Under 15 USC 1681n, any person who willfully fails to comply with the requirements imposed under the FCRA concerning any consumer is liable for damages. The violations by your company in this case include but are not limited to : Unauthorized Access to Consumer Report : My consumer report was accessed without permissible purpose under 15 USC 1681b ( a ), which explicitly lists the conditions under which a consumer report can be legally obtained. No permissible purpose was present in this case.

Failure to Notify of Rights : Under 15 USC 1681g ( c ), you are required to provide a clear and conspicuous summary of consumer rights under the FCRA when my consumer report is used. This right was not honored in this instance.

Failure to Ensure Accuracy : Under 15 USC 1681e ( b ), you have a legal duty to follow reasonable procedures to ensure the accuracy of the information in consumer reports. The information in my report was not accurate, nor was it verified before being used unlawfully.

Negligent Noncompliance ( 15 USC 1681o ) : Should this matter be determined to involve negligence, you are also liable under 15 USC 1681o, which imposes civil liability for damages caused by negligent noncompliance with the FCRA.

Damages As a result of your willful noncompliance, I am entitled to actual damages, punitive damages, and statutory damages of up to {$1000.00} per violation, along with reasonable attorney fees, as outlined in 15 USC 1681n ( a ) ( 1 ) ( A ).

Additionally, I reserve the right to pursue remedies under : 15 USC 1681p : The statute of limitations for any legal actions concerning FCRA violations, which allows for recovery of damages up to two years from the date of discovery of the violation.

15 USC 1681q : This provision imposes penalties for knowingly and willfully obtaining information from a consumer reporting agency under pretenses, which may also apply here.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated that the accounts reporting on my report were investigated but how is that possible if dates, addresses, and names are inaccurate. This is grounds for removal. Furthermore, they have violated my rights under 15 U.S.C 1681 section 602A which states that I have the right to privacy.

15 U.S.C 1681 section 604A SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written consent and/or instructions.

Also the Credit bureaus took more than 30 days to complete my investigations, here is my certified mail traXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$910.00}.
Product: Payday loan, title loan, or personal loan

I purchased an item for {$450.00} approximately from an online store offering 3 months same as cash payments. However when I was unable to pay off the loan in 3 months, a monthly payment of {$49.00} started occuring out of my bank account. Assuming there will most likely be a higher than normal interest rate ( 20-30 % ) I did not make a big deal of it and let the payments continue. The payments have continued from XXXX to present. Since i've made almost {$400.00} in payments, i logged in to their website to check what remains of my balance. I was surprised to see that i still owed {$480.00} and each month 's payment, only $ XXXX {$11.00} was applied to the principal. According to my calculations, this interest they are charging is close to if not 100 %. I never agreed to such a ridiculous rate and consider this predatory. There have been no attempts to contact me other than emails telling me when the payments would be debited. This is predatory lending.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Inaccurate XXXX  XXXX Account on Credit Report Due to Identity Theft To Whom It May Concern : I am writing to dispute an inaccurate XXXX XXXXXXXX account that is being reported on my credit report by XXXX, EQUIFAX, and XXXX and to demand its immediate removal as I am a victim of identity theft. 

The fraudulent account in question is : XXXX XXXX [ Account Name, Account Number as it appears ] This XXXX XXXX account does not belong to me. I believe I am the victim of identity theft and did not open or authorize this account. I am requesting that it be removed from my credit report immediately. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to follow proper procedures to promote maximum accuracy on consumer credit reports. By continuing to report this inaccurate XXXX XXXX account after being notified it is not mine, [ Name of Credit Bureau ] is violating the FCRA, specifically 15 U.S. Code 1681e ( b ), which requires them to follow reasonable procedures to assure maximum possible accuracy of the information on my report.

Furthermore, the Fair Credit Billing Act prohibits creditors from continuing to attempt to collect debt that is a result of identity theft once it has been reported as fraudulent. By continuing to report this XXXX XXXX account, XXXX, EQUIFAX, and XXXX is also violating this law. 

I have enclosed supporting documentation showing I am the victim of identity theft, including : [ List documents enclosed, such as ID theft affidavit ] I demand that XXXX, EQUIFAX, and XXXX conduct a reasonable investigation into this disputed XXXX  XXXX account information as required by law and immediately remove the inaccurate account from my credit report. Please also provide me with updated credit reports from all three national bureaus once the item is removed. 

I appreciate your prompt attention to this serious matter of identity theft and credit report inaccuracy. Please contact me if any additional information is needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I called Equifax about my dispute results for Confirmation # XXXX and XXXX. They refused to remove the inaccurate information after I informed them of the inaccuracies by certified mail. I asked if they could remove the unverified item from my credit report because it hurt my scores. I provided them proof of all the allegations with the letter of dispute that was mailed both times. In my letter, I asked if they could give me a copy of the contact person information that conducted the investigation. Still, they were refusing to tell me to contact the creditor. After several attempts to remove the item, they transfer me to a survey at the end and disregard my request altogether. I am very displeased with how these Credit Reporting Agency is getting away with not investigating the dispute and using the XXXX  XXXX  to dispute items on the consumer credit report. They put all the correct information on the credit report, and it's not fair to the consumer. The Department of Education and the XXXX  XXXX XXXX report the same debt on my credit report as a duplicate. Equifax refused to verify to see which is accurate and remove both of them for not doing a good job validating the debt. And the XXXX  XXXX XXXX is reporting other student loans that do not report the original date of the available loan. It's over the 7yrs reporting time. I reportedly asked if they can furnish me a copy of the finding in which they refused. I am eager for you to step in and resolve this matter as quickly as you can. Also, they are reporting inquirers from promotion, and I have not authorized them, and they refused to remove them. Can someone please help me with these issues?
Product: Debt collection

I have internet phone and cable through XXXX and paid they bill a few days late. This has happened before but this is the first time that it put a collection on my credit report for it. My account is currently in good standing and my bills have been on time. I told a rep and they said it should come off within a few days and its been at least a month Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - XXXX closed my account for being 60 days late on a payment. 

XX/XX/XXXX - XXXX changed companies handling their auto-payment They say they tried to contact me. However, I never received any postal mail or e-mail letting me know my auto-payment would stop. If they called, no voicemail was left. 

XX/XX/XXXX - I saw a 120-day late payment hit my credit report. I immediately contacted XXXX to find out what was happening ( I have e-mail correspondence ). I was told about the change in auto-payment companies and immediately set up auto-payment again and brought my account current. 


Here are some things to note. I have been on auto-payment since XXXX and have not charged the card since XXXX, perhaps in XXXX. For 5 years, I have been on auto-payment with this card without using it during that time, so I was not watching for the {$39.00} a-month payment. I did not see that it was no longer being paid and had no reason to believe it wasn't. This has destroyed my credit when I need it most, post-Hurricane Ian and I can not get the credit I need due to this. I feel that I have shown to pay on this account on time for years then to have the bank change the company they use I get severely punished.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX Customer Service, I am writing to express my concern regarding a loan that was reportedly taken out for a flight to XXXX XXXX, which I did not take. I had requested the cancellation of this loan through a customer support representative, but unfortunately, the loan was not canceled, leading to missed payments with XXXX. 

I have since paid off the loan in full, despite not having taken the flight or benefited from it in any way. I kindly request that XXXXXXXX XXXX provide me with details regarding this flight that was charged to me and for which I had to pay XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was unable to make the flight due to illness and had concerns about potentially transmitting the illness to others on the flight. Hence, I requested the cancellation of the flight. 

While the bill has been paid off in full, there are still negative items on my credit report that are adversely affecting my financial health. I would appreciate your assistance in resolving this issue and removing any incorrect negative reporting from my credit history. 

For your reference, here are the details of the payments made towards the loan : Total Loan Payments ( to date ) : {$650.00} Purchase Total : {$690.00} Initial Payment : - {$66.00} Down Payment : {$53.00} Origination Fee : {$12.00} Loan Amount : {$630.00} Interest Charged : {$82.00} Total Loan Payments : {$720.00} Remaining Payments : XXXX XXXXoan Payoff Balance : {$0.00} Principal Balance : {$0.00} Interest Balance : {$0.00} Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely,
Product: Debt collection

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Bank account or service

Wells Fargo Bank transferred an account from a deceased individual into that deceased individual 's wife 's name without her consent or authorization. Wells Fargo Bank is now trying to collect money from the wife when it was her husband 's sole obligation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX name is on my credit report. This is not my name. 
I dispute issue multiple times but it's not being removed.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had once late payment on an account that was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payment, Ive attached a copy of my report to this compliant. 
I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. Account XXXX Auto Loan
Product: Credit card or prepaid card

I XXXX XXXX, natural person, original creditor, cardholder, and federally protected consumer, initiated a consumer credit transaction as the creditor, with GM Financial using my open end consumer credit plan. My social security card is the credit card that initiated the transaction. The transaction included a finance charge and pursuant to 15 USC 1605, " the finance charge SHALL be determined as the SUM of ALL charges ''. GM Financial has violated my federally protected consumer rights by furnishing a deceptive form, creating the belief in I the consumer that an alleged debt was owed to them by me, when in fact I was not willing, and I was harassed by mail to pay to avoid an illegal repossession of my personal property granted from my credit, for the second time. GM Financial has violated me, and countless other laws under the Truth In Lending Act, and i have filed multiple reports with proof with the CFPB, FTC, and i have sent them multiple Affidavits of Truth sworn before the most high of creation, under the penalty of perjury, and notarized by federal witnesses to protect my rights and receive appropriate remedy as prescribed by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several requests for dispute via certified mail and the results come back as verified and accurate but bo proof of this has been provided by the credit bureau. Per the law; the credit bureau has an obligation to provide me with the information they have that states this is item that is on my personal file actually and factual belongs to me and they have not done that.
Product: Debt collection

Today America First Credit Union seized a car that i signed over to another party because their information states its in my name i informed them as well im in the process of filing for bankrupcy and they still proceeded with debt collection activities fully in violation of the fdcpa. I need assistance in retrieving the vehicle and filing a claim for the fdcpa violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I finally received rather full copy of my Experian credit report today and AS USUAL found another mistake!! What is wrong with the lazy credit bureaus and businesses that I have not pulled one single credit report on the last 11 years that has not had errors?? Fine then for each error and the government will have lots of new revenue to use and the public will have updated and correct credit reports as the law states is our right to have!!! They left my old XXXX XXXX loan on my report and it shows still open, it shows the wrong loan number this was refinanced and closed and so paid perfectly. The loan on my reports showing # XXXX was refinanced and this loan should show closed and refinanced that was made in XXXX XXXX IL!! I refinanced it and added {$850.00} to move it to the XXXX IL location!!! I have attached the paid in full documents for this loan on my credit report to be corrected and also the copy of my new and only loan with the XXXX IL XXXX you need to add on to my report after you verify with both locations!! They should have done this already it has been over a month ago!!! I want this complaint sent to both XXXX XXXX locations XXXX XXXXXXXX IL and XXXX IL and their corporate office as well as to Experian, XXXX and XXXX!!!
Product: Credit card or prepaid card

I am a victim of identity theft and someone applied and opened a fraudulent Citibank credit card account in my name. The account is fraudulent and is not my account. I been receiving harassing and threatening phone calls of profane, vulgar and abusive language, job loss, garnishment of wages, jail, prison, XXXX XXXX XXXX from Citibank Debt Collection Representatives which is very frightening and a major violation of the Fair Debt Collection Practices Act under Federal and State law.
Product: Debt collection

I had internet and TV service with XXXX with a 24 month contract due to expire around XX/XX/XXXX. On XX/XX/XXXX, I contacted XXXX to terminate the contract early and was informed that I could but would be charged a termination fee of {$10.00} per month for the remaining months for a total of {$70.00}. I paid the {$70.00} for the TV service and the amount due for the internet in XX/XX/XXXX. I received no further response from them. My internet account was canceled when I ended the internet service that was only on an already expired 12 month contract. Around XX/XX/XXXX an account notification dated XX/XX/XXXX from Credence to collect a debt in the amount of {$230.00} stating that XXXX had placed that amount with them for collection. I responded by letter dated XX/XX/XXXX disputing the debt and requested documents verifying the debt attaching a copy of the bill I received from XXXX on XX/XX/XXXX. Credence refused to send any documentation explaining the charges, instead responded that they investigated the dispute and verified that the charges to my account were valid. They reported the debt to the credit reporting agencies on or about XX/XX/XXXX and refuse to remove it. If I receive explanation showing the the charges were correct, I have no problem paying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681a ( 3 ). Equifax assumed this role without permission, and you did not have my consent. My right to privacy, which is under 15 USC 1681 ( a ) ( 4 ) has been violated.

Equifax did not exercise its grave responsibility, you were unfair, and you were partial.

I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose ( No written instruction ), as per 15 USC 1681b ( a ) ( 2 ). I never instructed Equifax to furnish this report and I never consented to the report.
Product: Credit card or prepaid card

This account has been charged XXXX I believe for XXXX XXXX, which I did not charge. XXXX calling XXXX they stated it is not services that is mine. It was charged erroneously and I am getting XXXX $ in fees because citi corp credit card is not doing their job. I have called 3 times to get this resolved and they said yes we will take care of it and it is never done. This is the second issues with this card not dealing with charges that are charged incorrectly. Last time I called I stated I do not want this card any longer. Customer services is terrible and I have wasted more than 3 hours dealing with this and it still isnt done. Filing another dispute through uou
Product: Student loan

I was XXXX to a XXXX XXXX in XXXX and informed Mohela. They let my account accrue interest over this time period over my objection. I paid {$10000.00} at the end of the XXXX, a large portion of this paid the interest that accrued during the XXXX. 

I have had many problems with this company over the years and have addressed this issue to them several times. 

I again messaged them about this interest charge specifically again on XX/XX/XXXX. At that point I asked for a review of my account for the period of the XXXX and a refund of the interest paid. Since then, I have written Mohela 7 times asking for updates and have received several answers that clearly dont address the issue. The last several responses have only stated the information is being reviewed. This has now gone on without a response for over 7 months and I havent heard anything from the company in 6 weeks. 

This company goes out of its way to be unhelpful and get as much from the accounts it services as possible, even if it has to ignore the law.