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

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines SYNCB AMERICAN EAGLE ACCOUNT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data. 
My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), Account Name : XXXX XXXX XXXX  with the account number : XXXX has violated my rights The violation occurred as follows : 1. 15 U.S.C 1681 Section 602 A : Right to Privacy The FCRA grants me the right to privacy regarding my credit information. It has come to my attention that the handling of my personal and credit information associated with my XXXX XXXX XXXX  account has breached this right. I request that you review the privacy aspects related to this account.

2. 15 U.S.C 1681 Section 604 A Section 2 : Written Instructions Requirement As per the FCRA, a consumer reporting agency can not furnish account information without my written instructions. I have not provided any written instructions authorizing the furnishing of information regarding my XXXX XXXX XXXX account. Therefore, I urge you to investigate the source of this information and take appropriate action to rectify this violation. 

I kindly request that you promptly investigate this matter and take necessary measures to address the violation of my rights under the FCRA. I expect a thorough review of the information associated with my XXXX XXXX XXXX account and a written response outlining the actions taken to resolve this issue.
Product: Credit card

I recently discovered that I was a victim of identity theft, I found out that someone unknown to me somehow found my personal information and used it, and got credit cards from JPMCB, XXXX XXXX, XXXX XXXX. I contacted the credit bureaus immediately and told them about these accounts that are not mine and got instructed by them to open up a file on identitytheft.gov. XXXX  XXXX and XXXX  got removed. Only one we are having problems with is chase, we sent documents, and they have not responded, and it still shows as negative on my report.
Product: Student loan

My student loan principal amount is {$25000.00}. When I contacted Navient they sent me my loan application that says I applied for a loan of {$1200.00}. Now Navient is trying to collect over {$50000.00} from me on this loan. I have made payments and I believe the additional fees and interest they are charging me is usurious and incorrect. I do have a co-signor and this is completely unfair to both of us. What they are doing borders on criminal activity.
Product: Credit reporting or other personal consumer reports

Please check the documents I've sent because I still see the inaccurate accounts from my credit report.
Product: Checking or savings account

I disputed an unauthorized transaction and the company declared that it was an authorized transaction. I called again to have them re-open the unauthorized transaction case and i added the details of the police case number. Within XXXX hours I still was notified that the transaction was authorized
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 i wrote to XXXX, XXXX and XXXX and told them that i had clearly had been a victim of Identity theft and that someone had stolen my wallet and used my Drivers license and social security number and applied at Best buy/cbna with account number XXXX and DSNB / Macys account number XXXX which i had never applied for. i submitted a Federal trade commission complaint and nothing was ever blocked accourding to the fair credit reporting act Fact Act Under sections 605B. The law states that they were suppose to block the fraudulent accounts in 4 business day. They told me that they had forward my complaint to Macys and Best buy but nothing was ever done.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included in the screenshot inside this complaint in on dates of [ XX/XX/2023 ]. Please investigate and provide proof of with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks please see screenshot attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car XX/XX/XXXX financed thread Suntrust my first payment was XX/XX/XXXX we pay that payment over the phone on time. The second pay was done on their web page with their bill pay to make things easer so that is what we did we summited the payment through web site and we got a conformation paper that i printed. So we payed the third payment through there web site again. When we went to the web sit to pay the 4th payment we noticed that the payments were rejected. In the mean time Suntrust had reported it to the credit bureau as being late and behind in my payments So we pay the payment up and call Suntrust to see what happened ad found out that they summit the account number to XXXX XXXX wrong and the were kicking pack the payments. So after we found out what the problem was we ask Sun trust to remove the derogatory statements from the Credit Bureau they said the would investigate it and let me know so I got conformation from my bank that proved that I made the payment and they kick them back. Sun trust came back with there decision that they were not going to remove the derogatory from my record and said it was my fault because I didn't check my bank account. I asked them why they didn't call and let me know they said that they did but didn't not leave a message I asked them what phone number did they call and they wouldn't tell me they said I could get it from the CFPB. The problem is from the web site and their bank. It had lowered my credit rating so I couldn't purchase the house that we were closing on in 24hours. I gave them all of the facts in documents can you please help us in resolving this problem.
Product: Debt collection

I switched cell phone providers from XXXX to XXXX XXXX XXXX. XXXX XXXX XXXX had a promotion in which they would pay up to {$500.00} per line for each line switched. Once they took over the phone numbers, I was no longer able to access my online account at XXXX to print the final bills, something XXXX XXXX XXXX required in order to reimburse me. I spoke to someone at XXXX and asked them to mail me my final bills. They never did this. I tried to ask for this multiple times via phone, text, email, chat on their billing page, and even in writing. XXXX XXXX XXXX required submission of the bills within 30 days in order to reimburse me, and of course, I never got a bill from XXXX to submit. To this day, they have NEVER received an itemized bill, yet they have hounded me via multiple calls daily, collection agencies, etc., and have negatively impacted my otherwise stellar credit rating. The amount they claim I owe is far higher than I had calculated, to boot, even at the onset of this situation. 
In response to letters from RPM collection agency, I sent a certified letter demanding proof of what I allegedly owe and asserting my rights under the Fair Debt Collection Practices Act. I am still getting calls.
Product: Credit card

Im being double charged for my installment plan from XXXX through Goldman sack credit card. My monthly statement is {$58.00} this month my statement was XXXX. Goldman XXXX XXXX XXXX XXXX I missed a payment. I did not miss any payments. I showed them proof of my payments and they are refusing to adjust my account. Ive been trying to get this resolved for two weeks. They admitted there mistake but they will not fix my account. So my monthly installment is {$58.00} and it jumped to XXXX this month which is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts, filed a police report, and submitted a FTC complaint. I moved recently, last month and was denied, upon reviewing my credit report in XX/XX/XXXX, I noticed 12 separate fraudulent accounts ranging from credits cards to small loans. I have been successful in removing some items but I continue to see several items showing even after my repair attempts. 
Accounts in question : Creditor Date Opened Balance XXXX  XXXX XXXX. XX/XX/XXXX {$680.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XX/XX/XXXX {$95.00} XXXX  XX/XX/XXXX {$760.00} XXXX  XXXX XXXX XX/XX/XXXX {$1700.00} XXXX  XXXX XXXX XX/XX/XXXX {$920.00} XXXX XXXX XX/XX/XXXX {$210.00} XXXX XXXX XX/XX/XXXX {$700.00} XXXX  XXXX XXXX  XX/XX/XXXX {$700.00} XXXX  XXXX XX/XX/XXXX {$640.00} XXXX XXXX XXXX  XX/XX/XXXX {$680.00} XXXX  XX/XX/XXXX {$1300.00} Clearly, these accounts are all over the place and nowhere in my real credit history do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of these companies. Nor have I allow anyone to use my information in acquiring credit these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be, removed from my credit report. I have acquired a police report and submitted it with this complaint. Including a copy of my ID, and social security card. As required in F.C.R.A Section 605B.
Product: Credit reporting or other personal consumer reports

15 USC 6508 I have the right to opt out and that they have reported information and transactional history to early warning and check systems Per the FCRA as a Federal protected consumer of any and all authorizations. I the consumer may have given you written & unwritten. Verbal or non-verbal per 15usc 6802.

Under 5 usc 522a you are not suppose to give my social security number to anyone that is not the federal government.

17cfr 424 all inquiries must be removed.

Fair Credit Reporting Act of 1974 15usc1681 Inaccurate Reporting Non Public Personal Information 16crf 313.6 16 crf 313.7 15usc1602 Per the FCRA as as a federal protected consumer. Im now opting out any and all authroizations. I the consumer may have given you written & unwritten and verbal or non-verbal per 15usc 6802
Product: Debt collection

Rent Recovery Solutions Statement date : XX/XX/24 Settlement Amount : XXXX Balance Owed : XXXX Action taken by me : called this number XXXX but no one answered Statement date : XX/XX/24 Settlement Amount : XXXX Balance Owed : XXXX Action taken by me : called the same number but no response. I also looked at my credit score but since I dont have any credit there is no credit to look at.
Product: Credit card or prepaid card

I had a secured credit card with Wells Fargo in XXXX and they billed me with big amounts on the card which caused me to loose my money and card
Product: Credit reporting, credit repair services, or other personal consumer reports

I am consistently being sent emails about being pre-approved for credit cards and personal loans. Not a single one has gone through successfully and there has been a huge hit on my credit score which is not mentioned before proceeding with seeing if I can be approved. Then I'm harassed by these third party companies to continue applying for loans and credit cards I'm never going to be approved for. Credit Karma should be ashamed. They are supposed to be helping me improve my scores and providing assistance I am actually pre-approved for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found inquiries on my credit report that were not authorized by me and i have contacted the companies to remove the inquiries from my credit report. And they have not contacted me in regards to this matter and I'm demanding the credit bureaus removed the unauthorized inquiries from my credit report and update my credit report.
Product: Vehicle loan or lease

Hi this is XXXX XXXX. I have reported to you and to whom this may concern there is no way or an option to upload documents onto this website. This is ridiculous. How come you just close my case with Chrysler capital without asking me for information about Chrysler capital or providing me with a reasonable way of providing you with the information I have statements from the bank and statement from Chrysler capital and it shows that they are XXXX Over the original loan amount I want to press charges I want to hold these people accountable in anybody else thats associated with them!. This is extremely unfair. How come you do not provide a way to upload documents onto this website!. I need a fax number way too many documents to upload through a website!.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I waiting on something that meets the standard of Section XXXX09 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant find this information you are required to delete this information, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I am struggling to see where the following companies are in compliance with OHIO LAW. The following account are still unverified : XXXX   XXXX XXXX BAL {$2600.00}, XXXX XXXX BAL {$750.00}, XXXX XXXX XXXX BAL ; {$300.00}
Product: Vehicle loan or lease

In XXXX 2014 my husband and I bought a mini van from XXXX. XXXX in XXXX Ma. We had nothing but problems form the initial inspection it failed. They fixed the issue ( horn ) but we had multiple problems the entire time we had the van. On multiple occasions XXXX the manager of there auto shop never returned my calls about needing things fixed. We had no choice but to give them the van back. We were not comfortable butting our children in it because we never knew when the next issue would arise. XXXX was very understanding when i showed up to give them the van, they even seemed somewhat aware of similar situations. The problem we are having now is it is listed on our credit reports as a repo and having a balance and it is making it difficult for us to move ahead. We really had no other option but to bring them the van back as we did not feel it was safe for our children to be in.
Product: Vehicle loan or lease

XXXX XXXX on my credit reports and credit acceptance is reporting incorrectly I have probate court papers over my dad 's estate and it said the debt with the XXXX XXXX be basically credit acceptance is supposed to close the account.
Product: Checking or savings account

On the morning of XX/XX/XXXX I visited XXXX XXXX XXXX to pull money from the atm. I used my card and took out {$200.00}. Early on the morning of XX/XX/XXXX I received a fraud alert for suspicious activity saying that someone did 2 transactions the night of XX/XX/XXXX from XXXX XXXX XXXXXXXX. One was for {$100.00} ( {$4.00} surcharge ) and the other was for {$200.00} ( {$4.00} surgcharge ). I hadnt authorized this withdrawal nor was I even in the city at the time as I was sleeping in XXXX, California with my girlfriend and XXXX daughter. I still had my debit card so it wasnt used to retrieve the funds as it was still in my possession. After receiving the alerts I immediately contacted my bank to report the charges as unauthorized and the bank cancelled my card to send a new one and opened disputes on the charges. On XX/XX/XXXX, I received a message from my bank saying that the charges were authorized and I would not receive my money back. Previous to this I reached out the XXXX XXXX XXXXXXXX branch and was told about other customer complaints similar to mine and was told my bank should cover the charges as they were fraudulent. I also have filed a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX  XXXX Balance : {$820.00} XXXXXXXX XXXX  XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Checking or savings account

Yesterday XX/XX/2019, I had three charges taken out of my account within the 3 to 5 business days it takes a merchant to receive funds and my account was still in a positive balance at that time. The next morning those same three charges caused three separate overdraft fees even though the bank and merchant had already processed and received those same three charges the day before. Through the chase bank app it showed that the charges for target totaling {$26.00}, {$66.00}, and {$72.00} were taken out of my account yesterday with a positive balance. This morning the overdraft fees were for those same three charges. I spoke 5 different representatives at chase bank over the phone. Not a single person was able to waive the overdraft fees even though I told them I would pay the balance immediately without the 3 overdraft charges. No one gave a clear explanation as to why Im being charged insufficient fund fees for charges that had already been taken out of my account the day before. No one can explain the that order in which the charges were taken out today are different from yesterday. I asked to speak to what I was told was higher ranking supervisors but they were no help as well. Ive been a customer with them for over 10 years and I am suspecting unethical practices are in play here.
Product: Mortgage

Dear CFPB, We had been problem with Citibank for XXXX year. We was not able keep property up for sale and it went under contract XXXX times. Each the over of Mortgage ( XXXX ) keep denying the sale. Also other sale contract coming in close to the full listing price, Awhile this negotiating process was going on and the Foreclosure was still going on without my knowledge. We just found out today that property is listed for sheriff sale in about XXXX week. All the while we understood that the foreclosure was put up on hold. We need help, we are trying sell property and we have worked with the lender in every regard. We believe this is illegal because it called dual tracking, neggotiaty XXXX hand and foreclosure with other. 
Thank youXXXX and XXXX XXXX
Product: Credit card

I received a Visa Gift Card. The first time I tried to use it at XXXX store I had to call the XXXX and was told it was flagged as fraud ( even right out of the Visa GC package! 

The customer service rep unblocked it and let the transactions through, and said I should not hv any problem anymore with next purchases. But not true, I was not able to use the card at all. 

I called the and they told me I hv to proof I am the legal owner by sending a copy of my drivers license? This is an overseas call center and they are asking me to fax it. I didnt do it I called again today and they asked me to go to the website to report card lost and do it that way. Well the card was blocked by them right out of the package, and still blocked, so the website immediately returned with invalid card. So I called again they said I hv to fax my Drivers License in order for them to unblock the card?? 

I have a balance of {$190.00} ( they confirmed that on the call ) - and I cant use it XXXX searching this, it seems US bank is doing this a whole lot, people not able to use their gift cards. I believe this is a big fraud. I definitely dont feel comfortable faxing my drivers license to an overseas call center Pls help guide me on this? They need to be removed from the market!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried several times disputing an account with Experian, a Bankruptcy that is being reported incorrectly. Lastly disputed this account in XXXX per Experians notification this account was verified via a third party vendor XXXX. Please see attached letter from XXXX, there is no bankruptcy being reported please delete and removed this information from my credit report as it is an incorrect representation of me. Thank you.
Product: Credit reporting or other personal consumer reports

I have voluntarily returned and surrendered my car in XXXX or XXXX of XXXX ( over 7 years ago!!!! ) Account or car was never in the XXXX XXXX!!! Account is CLOSED!!!! 
XXXX XXXX sold this vehicle on auction in XXXX of 2017 and applied last payment in XXXX of 2017!!!!! 
My own last payment was made in XXXX of 2017 (!!!! ) XXXX XXXX and Credit bureaus show account in repossession status and in voluntary surrender mode at the same time!!!! 
XXXX claims that they have corrected everything to show Voluntary surrender and NOT a REPOSSESION but credit bureaus do not get their corrections Account also is TOO OLD to stay on my report its over 7 years since my last activity