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 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Transunion credit report on XX/XX/2024 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 generally, 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: Payday loan, title loan, or personal loan

On XX/XX/2018 after loan offered by Avant, Inc . I filed an electronic application. 
I selected their offer available in their website for a loan of XXXX with a repayment plan of 24 months. 
On XX/XX/XXXX they sent me the contract documents ready for me to sign, however, instead of 24 month payment plan, they wrote the contract for 48 months claiming the 24 month was no longer available in my state??? If their website had such offer, they will have to honor it. I phoned twice and spoke to two different supervisors who will not approve the contract as originally offered. ( 24 months ) Today XX/XX/XXXX. I called their office as they requested me to do, and this time they came up with a new offer never requested before by me? Avant is willing to lend me {$7500.00} with a repayment plan of 36 months? I never requested this amount or terms. 
I am hereby demanding the original request of XXXX to be contracted for the 24 month originally offered.
Product: Bank account or service

In XXXX, I applied for unemployment in California, they issued a debit card from Bank of America, on which I would be receiving my payments. I finally applied for my tax return in XXXX, the amount of payments that XXXX in California said that I was suppose to receive is in conflict with what I actually received. Asked Bank of America three times to e-mail me the print-outs for XXXX of the deposits made by XXXX unemployment in California to my debit card. This is time sensitive because the IRS has given me certain amount of time to straighten this problem out. The first e-mail I received was only for XXXX XXXX deposits. Called Bank of America again, the second e-mail the print-out was compressed, could not make out what was a deposit or purchase or anything, called Bank of America one more time, they said they would send out the e-mail, did not receive the e-mail. I need this information as soon as possible that I may make sure that the deposits the unemployment made are the same with the records what I have to be able to do my tax return correctly for XXXX. Would like to receive a phone call when they e-mail this information for the fourth time. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : The following inquiry needs to be removed immediately : One Main Financial at XXXX XXXX XXXX XXXX, XXXX XXXX. 

Date of Inquiry : XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no irrefutable evidence, proof that I in fact was the one seeking to obtain a line of credit and the creditor had a permissible purpose to in fact and legally obtain my credit file information after a positive identity verification, immediately of any or one, I would like it removed immediately. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receint of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 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 XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately : Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion placed a collection debt on my credit file without proper investigation and I wish to dispute or have the debt collection removed immediately. I understand my rights as a consumer and believe Transunion is in violation. The collection they reported is from a collection company called XXXX XXXX account # XXXX in the amount of {$6.00}, XXXX. I asked the collection company for debt validation and they failed to provide proof. I am a very responsible person and my credit history is excellent. I've lost over 100 points due to transunion failure to investigate matters.
Product: Vehicle loan or lease

On XX/XX/XXXX my motorcycle was repossessed by an agent of Motorlease. I had just made a payment on XX/XX/XXXX and in communication with Motolease to get caught up on payments. I left Vm and on their website and did not hear anything until the XXXX when my bike was picked up. 
I was under impression after speaking with them prior to the XXXX payment I would get caught up and we were moving toward that solution but they reneged and penalized me and repossessed my bike. 
The bike in question is a XXXX XXXXXXXX XXXX XXXX and the lease number is Lease : XXXX MotoLease LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX www.motolease.net
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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 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.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; COLLECTIONS : XXXX XXXX XXXX XXXXXXXX {$7000.00} XXXX XXXX XXXX XXXXXXXX {$3000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

i was using a company XXXX for my phone service for many years recently there were weeks with poor or no service. My renewal date was XX/XX/20 on XX/XX/20 i received an email from them stating that on XX/XX/20 they generated an invoice for {$180.00}. immediately i responded and said don't bill me i'm not renewing my service.On XX/XX/20 they billed me anyway with out my consent. I waited till it posted on my account when i called capital one to dispute the charge.During the conversation capital on called XXXX and they said they will give full credit as long as you return their equipment with in 30 days.I didn't trust them so i asked capital one to give me credit on XX/XX/20 capital one gave me credit.I sent back the equipment immediately and XXXX sent me an email on XX/XX/20 that they received it and were finalizing the credit.On XX/XX/20 to my amazement capital one rebuild me for {$180.00} i contacted capital one and asked them what happened, they said the merchant gave them documentation to warren the charge.they told me if you want to dispute it to down load docs and i did. I called capital days later and they didn't help me. capital one took the dispute to visa before asking me for docs and now that i sent them docs showing that i canceled a week before the service date and was charged against my willing they still wont help me therefor i am sending you all the emails and asking you to step in and help me. 
thank you
Product: Credit card or prepaid card

I receives a discharge from XXXX XXXX of my debts in a chapter XXXX bankruptcy case in 2016. According to 11 U.S.C. 523 ( a ) A creditor may no longer initiate or continue any legal or other action against the debtor to collect a discharged debt. Discover is continuing trying to collect by putting a lien on my home.
Product: Mortgage

In XXXX into XXXX preapprpved through local mortgage company for cha for XXXX w 3.5 %  down asked by amerisave to upload deppaoys XXXX numerous contract all reuploaded within 24 hours.  On day of close XX/XX/XXXX amerisave decided to tell title company that loan was n't going through after cousins accou t through XXXX XXXX was dinged for wire live transfers. Had to move because buyer need weekend to redo kitchen living bathroom and need money for down payment of new house and to pay off his loan. Letter of homeless caused by amerisave and then they co rates me in XXXX and wonder about why I did n't close yet. Resigned papers 5 times have emails and proof. Rate locked at 3.5 to close showed 3 %
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my banker ( 20 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX  XXXX {$31000.00} XXXX XXXX {$0.00} XXXX/XXXX   XXXX {$400.00} XXXX/XXXX XXXX {$240.00}
Product: Debt collection

I am writing this letter in the hopes that you will help me with this unfair and overwhelming Situation that I find myself in. I believe now that these original credit card balance that it was paid off .I have been paying this XXXX credit card, original account # XXXX since 2008. Almost 10 years later. XXXX still want to keep charging the same amount by Cavalry  is illegal and violated my rights as a consumer & my civil rights. I will list below some of the issues and facts that are the most obvious and reference which laws were violated By them. 1. Predatory credit card Lending :, Treats about ruining my credit report. 1 a. Flipping and charging interest so my balance never go down and still the same over 10 years : The practice of encouraging customers to frequently refinance balances and loans solely for the purpose of earning loan-related fees : 1 loan and balance 2 flipped loans and balance with fees and very high interest rollovers. 1 b. Risky loan terms and structures : The practice of making credit card balances with terms or structures that make it more difficult or impossible for consumers to reduce their indebtedness. XXXX Cycle of Debt : XXXX used illegal debt collection tactics to create a false sense of urgency to lure overdue borrowers into debt traps. XXXX use Cavalry debt collector to claim {$10000.00} They would encourage overdue consumers to temporarily pay off their loans and then quickly re-borrow from them again. Even after conveying to them that I could not afford to repay the balance, XXXX would continue to pressure me into taking on more debt only making me paying minimum balances for 10 years but the balance never goes down. I would pay new fees each time they took out another balance from them. I am sure you will find that XXXX created a false sense of urgency to get delinquent borrowers to take out more balances in the credit card is abusive. Abusive Acts or Practices : Section 1031 ( d ) ( 2 ) ( B ) of the CFPA ifit takes " unreasonable advantage of ... the inability of the consumer to protect the interests of the consumer in selecting or using a consumer financial product or Service. '' 12 U.S.C. 553 l ( d ) ( 2 ) ( B ). XXXX has engaged in unfair, deceptive, and abusive practices in connection with its collection of credit card loans in violation of the Consumer Financial Protection Act of2010 ( CFPA ), 12 U.S.C. 5531 ( a ) and 5536 ( a ) ( l ) ( B ). XXXX want to transfer that to debt collector company Cavalry the amount of {$10000.00}. XXXX balance account a total of {$10000.00} after paying for 10 years minimum of {$150.00} payments, it never went down and I paid back to XXXX around {$18000.00} in 10 years, almost {$10000.00} more! and they want other {$10000.00} more!
Product: Credit card or prepaid card

i called capital one last month on XX/XX/XXXX to tell them my {$81.00} payment would be a few days late as i was receiving a payment on an odd week. I recorded the call for my records, just as the agent stated the call would be recorded. The agent told me the late fee would be waived and she would be make a note on my account. Five days later I made the payment. i then called, and the agent reversed the late fee. I also enrolled in the payment assistance program for ninety days as I am in between jobs and waiting to start a new position. I agreed to make the payment of $ XXXX   monthly as this is what i can afford for the time being. I received a letter in the mail confirming my enrollment in the payment assistance program. I checked my account online and saw that it was in past due status. I waited a few days assuming maybe it takes them a couple of weeks to rectify the account status. Today, XX/XX/XXXX, i was about to make a payment and noticed the balance is still {$100.00} and my account is still in past due status. I called capital one and spoke with an XXXX ( operator ID : XXXX ). After sitting on the phone for XXXX minutes in dead air while he researched my account, he could not find a reason for the past due status. So, he stated he had to contact a Senior Agent. HE came back to the line and stated my account was put into past due status because my payment was {$2.00} short. I went ballistic. My payment has never been short. I agreed to {$81.00} per month, THAT IS ALL. Why would i go online and make an {$81.00} payment if the balance said {$83.00}? That doesn't make a bit of sense. Why would I agree to pay {$81.00} per month if it said {$82.00}? My payments have never been late, I have always made them on time and full the amount due. He then transferred me to XXXX ( Operator ID : XXXX ), a senior agent. She stated she had to submit a request to have my minimum reset back to {$81.00}, and the request takes 7 to 10 business days. She didnt know what the adjustment would be. So, to ensure there are no late reports, I made a payment today of {$84.00}, which includes the {$2.00} they claim I didnt pay last month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX, and I always do my payments on time. However, I noticed that there are late payments reported on my Credit File. You see I have a steller payment with this compaany and I was never late in paying. I kept my own records of payments and the information they present is totally different from what I have. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$920.00} Date Opened : XX/XX/2015
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness. 

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account NameXXXX XXXX Date XXXX Account XXXX Reason for dispute_IDENTITY THEFT___ Account XXXX Account Name_XXXX XXXX______________ Date XXXX Account Number XXXX Reason for dispute__IDENTITY XXXX Account XXXX Account Name XXXX XXXX Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account Amount XXXX Account XXXX XXXX XXXX Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account XXXX
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. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US 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 or other personal consumer reports

ChexSystems has refused to remove negative entries from my report, despite clear evidence of identity theft and inaccurate reporting. My report contains numerous variations of addresses, phone numbers, emails, and Social Security numbers that do not belong to me. This situation highlights the fraudulent activities affecting my financial standing, and I am seeking assistance to rectify these inaccuracies and hold ChexSystems accountable for correcting my report.