23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Was cold called from a companyUnknown XXXX, asking if I was looking to refinance. I advised that there was a specific circumstance that I needed to raise my FICO before I proceeded. Was transferred to a lenderwhere they asked me for my information so they could see if I could be possibly pre-approved, I advised I did not want any activity on my credit report because I am working on raising my FICO before I can do anything. The gentleman at the company asked me to verify my DOB and SSN and told me I was not pre approved approved and hung up. That same day I was hit with a hard Inquiry from CReDIT Plus and I havent heard from them since. Deceptive, sounds like they were fishing for an account and when they saw they couldnt help they just hung up. No follow through no anything. I dont even remember the gentlemans name.
Product: Debt collection

XXXX client, XXXX XXXX is a victim of identity theft. She was notified of an attempt to collect a debt on behalf of XXXX XXXX ; by the agency of Fair Collections and Outsourcing ( FCO ), the account has a balance of {$7100.00} dollars and was opened using XXXX XXXX maiden name without her consent at an address where she does not nor as has ever lived. A formal dispute of this account was mailed certified with return receipt to FCO XX/XX/XXXX ; FCO failed to acknowledge the dispute. A second dispute was mailed XX/XX/XXXX again certified with return receipt to FCO this time for an unauthorized inquiry into my clients credit report. FCO did confirm the issue was resolved however ; a recent credit report order and reviewed XX/XX/XXXX still lists the FCO account and inquiry on the report AFTER the account was know to be cleared as an issue of fraud. This continued reporting of this account is a violation of the FDCPA and FCRA and my clients consumer rights.
Product: Credit reporting or other personal consumer reports

XXXX failed at their grave responsibility to protect my right to my privacy and violation of my rights. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( 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. XXXX is a consumer reporting agency, and I am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' In accordance with the Fair Credit Reporting act. The List of accounts attached has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681a ( 2 ) ( a ) ( 1 ) : states the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. Due to these issues in my report, I am having a tough time providing for my family and unable to get into a home. I am unable to secure a loan for school to better my career due to these discrepancies. I want to emphasize the severe financial and emotional distress that this inaccurate and negative reporting has caused me and will continue to cause until it is resolved. 

Also, in accordance with the Fair Credit Reporting act. 15 U.S.C 1681b ( c ) ( 3 ) Information regarding inquiries states a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Unless you have proof that I authorized these inquiries, they need to be removed as it is a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX XXXX XXXX XXXX I made a payment to my loan account and prior to that I made a payment not sure what date. That was rejected by XXXX, they stated that happened because my account was closed. My account was and is currently opened I have statement that i can submit if needed. This issue caused me to receive a " 30 day late '' remark on my credit report which will damage future chances of credit approval. 
I would like for XXXX to remove that 30 day late remark from my credit report which is no fault of mines. 

Ive also having same issue with making payment to my XXXX credit card using external account
Product: Credit reporting or other personal consumer reports

I REQUESTED THESE ACCOUNTS BE DELETED AS WAS DELETED FROM XXXX AND NOW PUT BACK ON ALL 3 CREDIT BUREAUS. PLS SEE ATTACHED AND DELETE ALL ACCOUNTS OR GIVE METHOD OF VERIFICATION. 

The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account-XXXX XXXX XXXX XXXXXXXX -- 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

15 U.S.C. 1681 Section 602 A : I have the right to privacy.

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

I received a statement from Bank of America on prior to XX/XX/2019 showing i owed {$630.00}. I knew that was an incorrect amount as I made a {$350.00} payment on XX/XX/2019 which was more than the normal {$310.00} payment amount. I called bank of America and was told I owed {$310.00}. Since I knew I was going to be late with my XXXX payment, I added the {$310.00} plus the late payment plus a few extra cents to make an even dollar amount making the check i am paying to be {$340.00}. On XX/XX/2019 I received a statement saying my payment due has a {$380.00} late fee.I called bank of America and got XXXX who couldn't explain but would send me a listing of my payments. On XXXX XXXX I went to one of bank of America branches where it was explained that when I physically come in and make my payment, IF I don't verbally state i want {$310.00} on my payment, {$20.00} on the late fee and the remainingXXXX cents on the principle, the teller applies it all to the payment. According to bank of America I have accrued {$150.00} in late fees because of their teller error and even if they might waive some of these late fees due to teller error, they are reporting my account {$1.00} late to the credit bureau. This is a scam that bank of America is doing to it's customers and I'm sure I'm not their only victim
Product: Vehicle loan or lease

The XXXX XXXX XXXX I financed has an Oil Consumption Recall. This information was not provided to me when I financed the vehicle in XX/XX/XXXX. The car has turned off on me while driving, it has burned oil to the point where I'm driving with no oil. I have to add oil to the car every 2 weeks, even after I get the oil changed. 

The main issue is that the engine will eventually fail. I took it to XXXX dealer to get it checked and they said my warranty is expired and I will have to pay out of pocket. ( the car has XXXX miles ) I am driving this car and feel unsafe. I plan on turning the car back to the dealer. I was told by the finance company I will owe the remaining of the loan once I return the car back to the dealer. I don't think it's right that I have to pay a car loan that has so many issues and XXXX refuses to fix the problem.
Product: Credit reporting or other personal consumer reports

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) Therefore Mohela is in violation of my privacy as stated in the about act that includes any student loan or financial information. I have not given written consent to furnish my information to anyone.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I have filed multiple complaints and I understand that not a thing has been corrected or changed. This is considered at this point willful violation.
Product: Credit card or prepaid card

I got a phone call today XX/XX/XXXX saying I was being sued from Chase Bank for a credit card that I apparently had opened in XXXX. I have never opened a credit card from Chase Bank ever I was in XXXX  during that time the only debt I had was from my student loans. Ive never received a letter a bill or anything from Chase Bank Ive never made a payment on this credit card from Chase Bank ever my first credit card was from XXXX  XXXX after I bought my truck in XXXX XXXX. I am reporting this because this is a fraud I never opened up a Chase Bank credit card account and I need someone to look into this because I do not want to get sued for something I did not do. I am reaching out to someone so they can help me resolve this issue Im not sure of the steps I need to take I did contact the legal services that said that I was being sued and told them that I never opened up a credit card under Chase Bank and they said they would be sending me paperwork to dispute this issue as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any confirmation on how you have verified the alleged account ( XXXX ) attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. **** ( Copied from the affidavit attached ) **** 30 days have pasted and I did not receive proof that account ( XXXX ) is accurate. And therefore this account should be removed.
Product: Mortgage

XXXX of XXXX I started a repayment program for a missed mortgage payment. This program was approved and started by the Huntington Mortgage representative and I completed this program in XXXX, the XXXX was my last repayment. Upon calling the provider, I was informed that the repayment plan was set up incorrectly? And I would need to start another or go on some home saving program. This is totally unacceptable to me as a consumer I have completed my part of this process, it is not my fault that they set up the program wrong under the wrong parameters. My account should be current as they stated it would be upon completion of this program.
Product: Student loan

XX/XX/XXXX, I started the process on refiling my income based plan and there is no way to file the paperwork electronically unless IRS data collection was configured when I was still a student and filing for FAFSA. Since I am in repayment I can't enable the feature that would let me file the annual form electronically. There is no excuse for a federal loan servicer to not have the ability to upload documents and forms digitally to expedite the process, especially considering the sensitive information that is sent via mail and preventing identity theft. 

The process is made more convoluted making it more likely for the deadlines to not be met.
Product: Prepaid card

I have two pre-paid American Express gift card/credit cards. One for {$50.00} and one for {$100.00}. Both are active and show the correct balance when checking. Neither of the cards work at any online retailer I have tried. I have tried purchases totaling LESS than the dollar amount on the card and they WILL NOT WORK anywhere. I have tried over 10 online retailers. The most activity I can ever see is a pre-authorization, however, the card never approves beyond that.
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiries or vi my credit report. In addition, I did not permit Equifax permission to furnish this incor information on my credit report. This violation of the Fair Credit Reporting Act Sectior 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report. 

XXXX - XX/XX/year> XXXX XXXX. XXXX XXXX - XX/XX/year> XXXX XXXX  XXXX XXXX  - XX/XX/year>
Product: Debt collection

I am filing a complaint to request validation of the debt associated with the account numbers listed on my XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of these collection account and would like to verify its legitimacy. 

Please provide me with the details of the debt, including the original creditor 's name, the amount owed, and any documentation that supports your claim. Under the Fair Debt Collection Practices Act, I have the right to request this information. 

Until I receive the requested validation, I ask that CFPB you take action to ensure they cease all collection activities regarding the accounts.
Product: Bank account or service

Sometime in the last 2 years, Bank of America converted my checking account from XXXX that is free of charges to XXXX that requires a monthly minimum balance or certain amount of direct deposits each month to avoid a {$12.00} fee. In addition, Bank of America locked my ability to transfer funds into the account sometime in the last year. In XXXX of 2015, my balance failed to meet the minimum requirements and I was charged this {$12.00} fee. I raised the issue with BofA and noted that I could not transfer additional funds into the account and asked for the fee to be refunded. They responded that they would not refund the fee and I promptly transferred my remaining funds from the account and told BofA to close the account. After the transfer, BofA charged me an additional maintenance fee, which then overdrew the account resulting in an overdraft fee of {$35.00}. Now BofA has informed me they will not close my account until I pay them the fees that they have charged me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, Account name : XXXX XXXX XXXX Account # XXXX and Account name : XXXX XXXX XXXX Account # XXXX has violated my rights. 

I looked at my Experian 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 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if 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 notity the furnisher of that that the information has been modified or deleted from the file of the consumer.

In accordance 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, credit repair services, or other personal consumer reports

Credit glory charged to my account {$270.00} which was unauthorized. I called and canceled trail period in time. Out of the blue with out notice they charged my card causing XXXX over draft charges at {$25.00} each. Putting the total Credit Glory owes is {$350.00}. I was forced to use them while applying for a loan. As soon as I was done I called and canceled the trail period for {$1.00}. This is a scam derived to charge people for services when they have been cancelled.
Product: Checking or savings account

Chime has denied my disputes with out properly investigating. I have been frauded out of thousands of dollars and can't get no help
Product: Debt collection

To Whom It May Concern This letter is being sent to you in response to a recent charge that was made on my credit report that I do not recognize.

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

Your office has reported invalidated information on my credit report. I have attached a copy of the certified mail receipt that shows your office received the letter requesting validation of this debit on XX/XX/2022. To date, your office hasn't provided me with any documentation. 

Reporting invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) may constitute fraud under both Federal and State Laws.

Due to this fact, I am requesting that this collection be removed from my credit report.

I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

Your office failed to respond to the validation request within 30 days from the date of yourreceipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

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

This is my tenth 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 ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$930.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} US DEPT ED XXXX Balance : {$930.00} US DEPT ED XXXX Balance : {$1300.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$3300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I sent in my paper tax filings for XXXX and the IRS denied my tax return stating that I had already filed my taxes. I explained to them that I had not filed my taxes yet so they advised me to file an identity theft report which I did and the reference number is XXXX. I have received calls and mail from debt collectors who I do not have any account with.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

We were in the middle of trying to cancel our timeshare when we were sent to collections with Meridian Financial. We need the debt returned so we can deal directly with the company. They have no dog in this fight and need to step aside.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX