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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
Account name : XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX has XXXX my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generall, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Im tired of fighting against the same errors that keep appearing on my report. These inaccuracies are more than just an inconveniencetheyre actively hurting my score and depriving me of opportunities Ive worked hard to earn. Its incredibly frustrating to feel like Im being punished unfairly because of mistakes that I didnt make.
Product: Checking or savings account

I got approved by SBA for eidl loan and they funded my account at capital one bank. But when I went there to make a cashier check to buy box truck for my business they said we cant make cashier check and we need to make sure you are qualified for this loan so they froze my account.

I called the SBA and explained for them whats happened they said the bank are not financially responsible for this loan you are.
Product: Debt collection

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

CREDIT MANAGEMENT COMPANY
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, I have a collection on my credit report from a collection agency, AFNI, for a bill from XXXX XXXX XXXX. AFNI is not a licensed collection agency in Florida. Can you assist?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$1200.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I had health insurance at the time and therefore these costs were covered and there should not be any outstanding balance due. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove these items however, I have not been successful.
Product: Bank account or service

I have a Health Savings Account serviced by Wells Fargo , N.A . When I opened the account, the service fee was {$2.00} per month. They changed the fee to {$3.00} per month since then. I can not close out the account because it would cost me a 10 % tax penalty. WF knows they can steal {$3.00} from me and there is nothing I can do about it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A states that I have a 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. 166b states that a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Vehicle loan or lease

Called Westlake financial to discuss why there is a daily interest fee with the interest already paid which at the end of my agreement due to this i will have paid double my financed vehicle that's a rip off I have already paid XXXX for this car and still owe alot i signed the contract under the assumption or understating that i would pay XXXX for the car with interest yet when you call them to discuss they act like they have no idea what your talking about or they agree its not right or they hang up no help or try to solve or explain their practices. I asked why if im paying the principal now is not my whole payment of XXXX going to that and its not only half is XXXX a month this just don't see legal or right. so I see predatory lending from this I look up review on this company and there a lot of bad ones with the same situation. I really think this needs to be addressed asap. They also had a class action law suite that they lost for collection harassments few years back something needs to be done with this company. getting rich from scams
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Happy XXXX ... ..on XXXX XX/XX/XXXX I mailed off a dispute letter after learning that there was something on my report from this company. I mailed them again the company Equifax This past XX/XX/XXXX I sent a second round of letters asking for them to please provide proof or remove the documents. Everything I mailed off was certified mail and was tracked. They did receive everything I mailed off. No one has provided me proof according to Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

These are in my letters they have!
Product: Credit card or prepaid card

Card was reported stolen on XX/XX/XXXX Apple Card ran by Goldman Sachs closed card On XX/XX/XXXX a purchase was made by a clone digital card ( after card was reported misused ) Apple awarded {$26.00} as daily Apple Cash accrued for said purchase which was then returned by hacker As of XX/XX/XXXX I no longer had access to account or apple Wallet to have been able to receive {$26.00} I have contacted bank numerous times to explain this was not able to have been received by myself, as I no longer had access to this digital wallet They continue sending me back the response that I am still responsible for such purchase and cash award and now expect me to pay them the {$26.00} when I don't believe I am responsible as I had already reported the fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX filled a dispute for Cap1/XXXX account XXXX 30 days late. Spoke with CAP1 and XXXX. XX/XX/XXXX dispute resolved and notified being fixed. 
Score goes back up XXXX or so points. 
XXXX score goes back down again and the late pops back up again on same account! 
Filed dispute and not corrected! 
If you look at my completed disputes you will see fixed in XXXX XX/XX/2023 and same dispute filled again in XXXX for same issue with results XX/XX/2023. Only this time they didnt correct! Why is this so difficult. I dont miss payments and I'm almost XXXX yrs old!
Product: Money transfer, virtual currency, or money service

I am writing to normally express my concerns regarding Zelles handling of disputes, particularly in light oh the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claimed 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 also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I still see the same fraudulent inquiries on my credit report, I even spoken with the companies and they said they put it to remove them but yet failed to do so ..nor has anyone provided me with physical verification of any sort. The following inquiries being disputed are .., XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accounts and inquiries listed on my consumer credit report, which I believe are the result of a data breach, fraud, or unauthorized activity. I request verifiable proof, including my signature or electronic signature, for any such actions. Please be advised that this letter is being sent directly by me, not a third party, and I ask that you review it accordingly. I did not authorize these actions, and they constitute a violation of my consumer rights under the Fair Credit Reporting Act, specifically Section 605B ( Block of information due to Data Breach or Fraud ) [ 15 U.S.C. 1681c-2 ] and Section 604 ( Permissible purposes of consumer reports ) [ 15 U.S.C. 1681b ]. After contacting the relevant companies, I have found that these actions were taken without proper validation or original proof from the reporting entities. Since I did not authorize these accounts or inquiries, they are inaccurate and likely the result of a data breach or unlawful reporting by creditors or a third-party data provider.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX, and I received several emails on XX/XX/XXXX & XXXX regarding this XXXX XXXXXXXX XXXX Continental Bank-Celtic Bank that on they ran my credit without a written authorization by me this is Identity FRAUD I did not solicited nor requested this service by this company my personal information have been stolen. I have attached below proof that my name and address was used in several ways in attempt to acquire the credit. I demand a proof of a wet signature of my behalf that this was in-fact solicited if the company can not provide my written signature, I am requesting that the hard inquiries produced by this company be removed immediately from my credit report and all three major Credit Bureau XXXX XXXX XXXX & XXXX XXXX Due to this fraud, I requested a Police Report for the Identity Fraud Report.
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report, and I can not understand how or why they appeared. When I checked my report, as I regularly do, I saw unexpected discrepancies. I refreshed the browser, hoping it was a technical issue, but the inquiries remained. Im incredibly frustrated by this issue and insist that the documents I provided be reviewed thoroughly so I can have peace of mind moving forward.
Product: Money transfer, virtual currency, or money service

Reference J.P. Morgan Chase PPP Loan # XXXX Lender PPP # XXXX I am writing because I received the above-mentioned PPP loan from Chase in 2020. 

Yet, despite the loan being fully disbursed in XXXX of 2020 and three separate requests for forgiveness submitted with full SBA-approved support, and multiple complaints including one  from my attorney Chase has failed to properly classify my loan as either fully-disbursed or forgiven. 

This failure to classify the loan correctly is now preventing me from receiving a badly needed 2nd PPP  this year. I have been attempting to get this resolved since XXXX of XXXX  when the first forgiveness application was submitted. 

No ethical, responsible, professional financial company should be allowed to put a business customer in limbo for more than 9 months without any explanations or even cursory attempts to discuss the matter with them. This is especially true of a financial institution that is being paid by the Federal Government for the proper and efficient processing of these badly needed funds to small businesses. 

This is gross negligence in the extreme, a violation of the public trust, fraudulent use of taxpayer dollars and is causing me, my staff, my vendors and other clients and business owners who used Chase for their PPP loans no end of hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XX/XX/2020
Product: Debt collection

On XX/XX/2022 I, the consumer received a deceptive form as defined by 15 United States Code 1692j, in the mailbox of my private location from a third party debt collector ( ALLIED COLLECTION SERVICES OF CALIFORNIA , LLC ). This deceptive form is stating false and inaccurate information. This deceptive form is proof of fraud and aggravated identity theft pursuant 18 United States Code 1028A ( c ) ( 8 ). I have never given ALLIED COLLECTION SERVICES OF CALIFORNIA , LLC any lawful consent to furnish my private nonpublic personal information. ALLIED COLLECTION SERVICES OF CALIFORNIA , LLC has no permissible purpose to create and or house an account using my private nonpublic personal information without my written consent pursuant 15 U.S. Code 1681b ( a ) ( 2 ). This is in fact aggravated identity theft pursuant 18 United States Code XXXX028A ( c ) ( 8 ) and punishable by law ( 15 U.S. Code 6823 Criminal penalty ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian on XX/XX/2021 about some negative accounts that I need them to investigate. It's been over 60 days since I send them the letter which I attached with this complaint along with my ID. I know that under the Federal Credit Reporting Act they need to complete their investigation in 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

INVESTIGATE CONSUMER REPORT ( Request ) Please investigate if every piece of correct. If not, please remove these accounts listed below from my credit report. 

In accordance with the Fair Credit Reporting Act XXXX  these accounts below Account Name : XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX Account # 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX went to purchase XXXX Truck from XXXX XXXX XXXX XXXX, TN. Advised Finance Mgr to obtain financing from personal bank XXXX XXXX XXXX XXXX. Finance Mgr advised XXXX XXXX XXXX was not answering inquiry and they had reached out to other financial institutes for approval. XXXX XXXX XXXX later answered and approved financing for the truck. Now, XX/XX/XXXX, one year later my credit score drops XXXX points!!!?? 
Shortly thereafter purchasing the truck I went to XXXX XXXX XXXX with a handful of mailed notices I had received for denied financing and spoke with the Finance Mgr on duty. I was advised not to worry about the notices they would not affect my credit score. One year later, I see that is not the truth! I am in very good standing in all other areas with credit reporting. I want my credit score reinstated back to what it was XXXX!
Product: Credit reporting or other personal consumer reports

I have one Inquiry still showing on my credit report for XXXX that was open in XX/XX/XXXX it should have been closed in XX/XX/XXXX. 
XXXX XXXX XXXX bank was a settlement and should be removed from report XXXX, MI XXXX XXXX XXXX was a settlement and should have been removed from report open in XXXX. 
XXXX  was a settlement and should been removed from report open in XXXX. 
JARED COMENITY BANK was a settlement and should be removed from my report XXXX, oh XXXX
Product: Debt collection

I am not liable for this debt with XXXX XXXX. I do not have a contract with Ability Recovery Services for account number XXXX. They did not provide me with the original contract as I requested.
Product: Debt collection

I mailed and dropped in US postal mailbox my rescission letter under 15 USC section 1635 on XX/XX/year>. Bank Of America receivedthe TILA recession an acknowledged receiving the decision and did and Bank Of America did not oppose it. They were supposed to return all the money I paid and returned the canceled note and the cancelled deed of trust. They failed to do so to this present date. Therefore Bank Of America is in default in violation of the statute under section 15 USC 1635.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed XXXX, Equifax, and XXXX letters multiple times between XX/XX/2022 and XX/XX/2022. I have explained to each of these reporting agencies that there is an account showing on my reports that IS NOT MINE, it is INACCURATE and does not belong to me. I have wrote each of these credit reporting agencies and explained that I have no knowledge of this account and it is identity theft.
Product: Checking or savings account

Withholding payments letting smaller amounts be paid and then letting larger amounts go through which caused overdraft fees
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this formal complaint against EXPERIAN d/b/a EXPERIAN INFORMATION SOLUTIONS INC. without any third party involved. See attached documents and ID as it contains my full complaint and demands.
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
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. TD BANK USA/TARGETCRED XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 20 missed payments from XXXX on my credit reports from all three credit bureaus, Experian, XXXX and XXXX that I want removed. I have been sending XXXX letters and disputing online but I have not heard anything from them. They refuse to mention anything to me about my late payment and won't tell me anything. At the time of the late payments, I was on deferment and was heading back to school in XX/XX/XXXX ... Also was dealing with moving and not being able to receive most of my mail if they sent me anything. I've been reading that CFPD sued XXXX because of not offering it's clients the income driven repayment plan ( which is what I am on now since XX/XX/XXXX ) and I believe that I was one of the victims of XXXX offering the repayment plam instead ... Please remove all late payments from my credit reports so I can continue improving my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 we contacted XXXX requested the balance to a company credit card so we can pay off the credit card, they provided payoff amount and we paid the full amount and account was closed. XXXX one months later charged interest to the account, we have no knowledge of the interest charge an employee of the XXXX  should be made us aware. this interest became late and we received no notification of being charged or being late, so this charge became 60 days late which is negative affects my credit report. XXXX should have notified us of additional interest and should have notified of new invoicing and late, they claim they sent it via email, we did not receive any email, I requested XXXX  to provide proof and they could not provide. Before negatively affecting credit report they should have mailed us a letter a phone call. when they solicit us for a new card they can reach us 50 different ways but they cant notify prior to affecting my credit. The other issue this card and charges belong to my employer, not me, I have disputed this issue with them on three occasions twice though Experian and once direct with them and their response has not helped at all.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, my " friend '' XXXX XXXX sent me a payment for {$80.00} through PayPal. He was under the influence of alcohol and drugs, which I found out later down the line. I received the money and withdrew it from the ATM using my PayPal debit card. He, for some reason, proceeded to call PayPal customer service and reported that I had not received the money. He filed a dispute, calling me a " seller '' and said that he did not receive his goods that he paid me for. This was a payment for assistance as he had done SEVERAL TIMES in the past. PayPal did not give me the option to dispute his claim and they gave him back his money. They have put my account into the negative by {$91.00} and have sent it to collections, known as XXXX XXXX XXXX.