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

I received a copy of my credit report from Transunion. The credit report showed credit inquiries that I did not authorize. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. 

Please remove this inquires listed below from my account : * XXXX XXXX -- XXXX XXXX * XXXX  XXXX -- XX/XX/2023 * XXXX  XX/XX/2023 I, also, received a letter stating that I applied for a XXXX on XX/XX/2023. I checked my credit and it shows that I have an inquiry on my XXXX report. Please remove the follow inquiry from my credit report : * XXXX XXXX -- XX/XX/2023 Please remove these inquires from my report within 30-day time allowed investigation period as pursuant to 15 U. S. C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer. 
Please, either provide me with strict proof I authorized these inquiry such as signed application or contract or recorded telephone call or delete the inquiry immediately. 
If you ignored this letter and do not delete the inquiry or do not provide strict proof of authorization I will have no other alternative than to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. Along with a litigation matter in my state court. 
Finally, under Sec. 609 Discloser to consumer ( 15U. S. C 1681g ) ( A ) Information file ; source : report recipients : every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) ( 16811h ), clearly and accurately disclose to the consumer.

( 1 ) All information in the consumers file at the time of the request except thatA ) If the consumer to whom the file relates request that the first 5 digits of the social security number ( or similar identification ) of the consumer not be included in the discloser and the consumer reporting agency has receive appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such discloser, and ( B ) Nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit score or any risk scores or predictors relating to the consumer. 
( 2 ) The source of the information : except that the source of information acquired solely for use in preparing an investigation consumer report and actually use for no other purpose need not be disclose. Provide, that in the event an action is brought under this title, such shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought. 

Kind Regards, XXXX XXXX
Product: Debt collection

I had gotten XXXX back in the year 2012 and after having problems with the services, I called them to cancel my services with them ; it was off more than it was on. They sent me a box to ship all service equipment back to them and I did just as instructed. The representative informed me that if I return the equipment then I would not owe anything. I had not gotten any statements from XXXX and the only thing I knew was after checking my credit report it was with a collection agency as an open account. I have not used XXXX since 2012 and all equipment was returned back to them. The collection agency AFNI told me that this is an open account and I need to pay it in full or further action will be taken against me.
Product: Credit card or prepaid card

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions that I made or authorized. I am writing to dispute an item in my credit report. The following account is not mine and should be removed from my credit report. The account was open XX/XX/2011. Balance is {$5800.00}.
Product: Checking or savings account

Bank of america has a systemic policy to notify a customer when their balance is low when that happens, as soon as it happens. Their policy for overdrafts is different, however. The email comes the day after the fee is charged and not the day the account goes into the negative. Does Bank of America admit or deny that they time these notifications to be emailed the day AFTER the account falls into the negative instead of on the same day BEFORE the account is charged a fee. Otherwise this is a violation of Regulation E UDAP, FTC, and the truth is savings act.
Product: Mortgage

Rushmore Loan Management Services, LLC illegally charged an insurance coverage in my property taking more than {$1600.00} premium from my escrow account. There have been insurance coverages in XXXX and XXXX. The alleged to want HO6 coverage, which is basically content coverage that is no more than {$7000.00}. Rushmore certificate received a week ago states coverages for {$170000.00} insurable values. This amount is the loan amount. Insurance for replacement costs existed and exists in the property. HO6 only covers kitchen cabinetry and bedroom that in an 800 sqf condo is no more than {$7000.00}. Even charging for insurance more than replacement costs is illegal. Rushmore needs to refund the {$1600.00} premium illegally charged.
Product: Vehicle loan or lease

The company refuses to lower payments and will not offer an extension regardless of hardship due to brain injuries and other injuries suffered from a car accident leaving me unable to pay on time or the full amount due. I request to have the payments lowered or a three month extension put through to allow for everything to be caught up.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred.Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds I believe these practices are unfair and request an investigation into my account transactions.
Product: Consumer Loan

My car is financed by Honda Financial. It is a 2011 XXXX XXXX. My finances changed when my hours with my employer were cut back, and I requested That Honda Financial change my due date for my monthly payment to the XXXX of the month. They refused to do that. They said that I had changed it too many times already and they would not allow me to change it again. They said that they would charge me a late fee if I did not pay on time. I asked to speak to a supervisor. The supervisor would not relent. I spoke to several people at Honda Financial and they were adamant, and would not re consider. I told them the bill would always be paid, every month but it would be late because they would not change the payment due date. I realized that they were not motivated to change the date because they would be collecting another {$20.00} per month in late charges if they did not change it. And now I have an extra charge accumulated of {$600.00} in late charges. And now they say that until I clear that {$600.00}, they will not move the due date. I feel that Honda Financial have unfairly collected these extra late charges because they would not change the due date, deliberately manipulating the situation to their advantage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX And the following inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Has violated my rights.

15 U.S.C 1681 section 602 A. states I have 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. With that being said, why hasn't XXXX and Experian Credit Reporting Agencies removed the accounts that are inaccurate. I have filed previously before with no resolution. This inaccurate reporting is causing issues with my livelyhood.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Continental, and Celtic bank have all reported to the credit bureau that my accounts were charged off. My rights show if a company charges off my account it is paid in full and they must provide a 1099C to me.

Not only have some of these companies been paid without providing the 1099C they continue to illegally update my report and sold account that has been paid to a collection company without permission from me to sale my information These are multiple violations on companies behalf
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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 or other personal consumer reports

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 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 XXXXXXXX, ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, ( XXXX XXXX XXXX XXXX, ( XXXX ) XXXX XXXX, ( XXXX ) XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXX, ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX ) XXXX XXXX XXXX, ( XXXX XXXX XXXX. 15 USC 1681Section, 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. In addition, 15 USC 1681 s-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 in accurate.
Product: Debt collection

I lived in an apartment called The XXXX XXXX until our XXXX  XXXX  in XX/XX/2021. I paid the final payment prior to leaving, and there was no property damage. My last week living there they removed access to the online portal used to pay rent and it was no longer possible to pay anything or see any bills. About one year after this their parent company sent me an email asking for about {$260.00} dollars. I thought they were confused about me paying the final electric bill so i sent them my receipt and asked for more information. They sent a very vague bill just requesting extra rent money but did not m were not clear what time frame or reason for the request so i asked for a detailed bill. They never emailed me again. Now they have sent a debt collector who has requested even more money with no explanation and seems as though it could be a scam. I don't know what to do with them. Thank you
Product: Checking or savings account

On XX/XX/2023 at XXXX XXXX XXXX XXXX, I received a call from somebody impersonating a police officer. This person threatened arrest and violence against me unless I " paid collateral. '' He told me to stay on the line via a three-way call ( claiming if I hung up a SWAT team would come for me at my work address ) and speak to my bank ( Wells Fargo ) . He was able to use my debit card number to withdraw {$2500.00} from my checking account and transfer it via XXXX  to somebody impersonating the U.S. Department of Treasury. After calling the actual police department and learning it was a scam, I called Wells Fargo three times instructing them to please cancel the transaction. Their claims agent ( XXXX ) refused to cancel the pending transaction or refund any of the money I lost. She adopted an extremely disrespectful tone with me and said I " deserved to be scammed. '' Wells Fargo refused to cancel the pending transaction three times over even though I told them repeatedly the transaction was not authorized.
Product: Credit card

Capital One Credit Card Acct have violated my privacy. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602. It states I have the right to privacy 15 USC 1681 ( section 604 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit any purpose. I have called the Business numerous times to request my information not be shared with the credit bureaus
Product: Credit reporting or other personal consumer reports

Name incorrect : XXXX XXXX XXXX XXXX Employment incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses incorrect ; XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, NJ, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, NJ, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, NJ, XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  NY, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, NJ, XXXX This account to be validated XXXXXXXX XXXX account numberXXXX This account needs to be validated THE XXXX XXXX XXXX Account numberXXXX This account to be validated XXXX XXXX XXXX XXXX account numberXXXX This account to be validated XXXX Account number:XXXX This account to be validated XXXXXXXX XXXX  Account number:XXXX  This account needs to be validated XXXX XXXX  Account number:XXXX This account needs to be valdated XXXX XXXX XXXX Account number:XXXX This accocunt to be valdated XXXX XXXXXXXX Account numberXXXX  This account to be validated XXXX XXXXXXXX Account numberXXXX This account to be validated XXXXXXXX XXXX  Account numberXXXX XXXX This account to be validated XXXX XXXX XXXX XXXX Account number:XXXX This account to be validated
Product: Debt collection

I have answered a bunch of phone calls almost day for a month, about my account that got behind last summer because of the covid XXXX so i was with out work for 3 months. So I reached out to XXXX XXXX XXXX XXXX. And told them what happened and I started a payment plan type of assistance with them to lower my payments to make it easier to pay off. So since XXXX of 2023 I have kept my end of the deal. They have not, they constantly report to my creditors im 120 days past do on my payment. My scrore drops in points, i also have told them my FINAL PAYMENT IS ALREADY IN ROUTE TO THEM. As of XXXX Saturday XXXX XXXX the intire bill will be paid XXXX and paid off. Different people from same company calling me asking for payment and if I don't comply its going to collections and they will take legal action. This company does not have ANY GOOD COMMUNICATION SKILLS among there employees. XXXX XXXX XXXX XXXX based in California. XXXX MORE THING- this item cost was {$1200.00} XXXX XXXX XXXX XXXX XXXX {$3200.00}, they have made a big profit just from my account with there crazy fees added on. And then to harass there customers like this is ridiculous...
Product: Checking or savings account

I put in a dispute in XXXX for my refund of {$1800.00} from chime. They refused to do so, information was even changed on my account. I need my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

In pursuit of the Fair Credit Reporting Code 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, I am requesting that Trans Union delete the information they are reporting. I have not been formerly notified, nor given the opportunity to direct that such information not be disclosed to such third party ; Trans Union. This unauthorized reporting of non public information to a third party agency is implicitly prohibited by the Fair Credit Reporting Act. Furthermore, I am formally revoking any insinuated or direct permission for the companies listed below to furnish any information about me to Trans Union, which is a third party company. Because of this, I am requesting to exercise my right to privacy and fair credit reporting practice - 15U.S. Code 1681 ( a ) ( 4 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

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. 

I am requesting that Trans Union permanently delete these accounts from my profile immediately, as they are in direct violation of the FCRA : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15U.S. Code 1681 ( a ) ( 4 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

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

XXXX XXXX XXXXXXXX XXXXXXXX and National Credit System have unlawfully lowered and illegally damaged my credit score. The account collection date references the date of XX/XX/XXXX, XXXX in the amount of XXXX and none of this information is accurate. In accordance to 15 USC 1608 ( b ) 2 permissible purposes it is unlawful to provide inaccurate information. 
This account is not only inaccurate but damaging to consumers such as myself. This item keeps me from retaining a primary residency. This is detrimental.
Product: Credit card or prepaid card

I have a visa card with XXXX XXXX XXXX with {$1000.00} credit limit. I recently opened an account in Wells Fargo bank and requested credit card which was not approved due to " serious delinquency ''. I do not shop online and dont use my credit card often either. I need to know what has happened. please inform me about the details.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act, Transunion, XXXX and XXXX has violated my rights. 

15 USC 1692 ( B ) ( 5 ) 15 USC 1681 ( A ) ( 4 ) FCRA 623 ( A ) ( 6 ) ( B ) 15 USC 1681 ( A ) ( 2 ) FCRA 623 ( A ) ( 2 ) 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block .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 and address used to open account ) 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. 


XXXX XXXX XXXX XXXX REPORT NUMBER : XXXX
Product: Debt collection

I get a medical bill on my acct who was paid by my insurance before turned over to a collection agency on my XXXX credit report
Product: Vehicle loan or lease

I sent out certified copy of my complaint to resend the contract to the CEO of the lending company on XX/XX/2022. I declared there was a problem, with the contract that was given to me the car lot that was associated with the loan that was given to me has officially closed down. There was a lot of fraudulent acts within that contract, and I reset out certified copies of a complaint again on Thursday XX/XX/2022 to the CFO and see COO of the loan company. I am expecting some type of mediation and the return of all the money that I had put into the loan return to me.