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

I have the right to make sure my private information isn't shared. " It is the policy of 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. The furnisher of information to credit agencies is a financial institution by definition under title 15 USC 1681 section 604a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher if information to credit agencies ) the financial institution and the consumer reporting agency/agents of XXXX, XXXX & Equifax do not have my consent to furnish this information and surely do not have my written consent, whether is verbal, non-verbal, implied, or otherwise revoked. 

Any/all agents of XXXX, XXXX & Equifax have been assuming the roles of holding my information without my permission while reporting inaccurate information and making money off my information. They have refused time and time again to investigate disputed information and failed to delete or correct incorrect information which violates federal law. After filing disputes with any/all agents of XXXX, XXXX & Equifax XXXX they have made their own decision, on purpose, to drop my credit score either by the XXXX XXXX XXXX XXXX without notifying me, verifying, and completing a full investigation for inaccuracy. 

I have attempted to resolve this matter with any/all agents of XXXXXXXX XXXX XXXX Equifax XXXX XXXX. They all have refused and continued to violate the following ; 15 U.S. Code 45 Privacy Act of 1974, Education Privacy Act of 1974 Fair Credit Reporting Act, 15 USC 1681, section 602 621 of the FCRA, 15 U.S.C. 1681s, 12 CFR 1022- Fair Credit Reporting Act 12 CFR 1016.4 16 CFR 433.2 15 USC 16802 ( b ) ( c ) 15 U.S. Code 1681e to avoid violations of section 1681c-15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S.C. 1681a ( f ).

15 USC 1681s-2 ( A ) ( 1 ) ( A ) 15 U.S. Code 1692e
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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: Checking or savings account

I deposited my rent check ( for A XXXX I OWN FROM THE Tenant ) on Friday, XX/XX/year>. On Saturday Chase Bank, pulled the funds. It's showing up in my checking acct., however they still haven't released the funds. I spoke to a Supervisor in Chase Deposit Review. He was of no help. Wouldn't give me an answer as to the status of the cleared check. And gave no reason for the hold. Something about it being a new account. I also visited the bank. I spoke with the bank manager, XXXX XXXXThere is no reason it should take more than 2 days to clear an-in state check.
Product: Consumer Loan

I purchased a XXXX Mitsubishi Montero XX/XX/XXXX. It was financed through West Lake Financial XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX. I found out XX/XX/XXXX that they were not reporting to the bureau. I called to correct this problem, I was told by West Lake staff that they did not have my social security number. I sent the necessary information, which was requested by West Lake in order for them to begin reporting. I called XX/XX/XXXX because I was informed by the credit repair company that I was working with at the time that West Lake was still not reporting, mind you I have been in good standings with them throughout the duration of my loan in attempt to rebuild my credit. So I was told to send the same information again so I did. I went to purchase a newer car last week and to my surprise West Lake is still not reporting. I called and spoke with numerous customer service reps and supervisors and this time they told me they have my information from when it was sent XX/XX/XXXX but I need to send it again via fax and call back so they could pull it and add it to my file. I was told after this they would begin posting immediately. I did as I was advised, however once I called back the story changed I began getting the run around and was advised to email it because they can not receive fax. I emailed the information needed and they still refuse to report my credit.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

1XXXX XXXX Account Number : XXXX 2.XXXX XXXX Account Number : XXXX 3.XXXX  XXXX Account Number : XXXX 4.XXXX Account Number : XXXX
Product: Debt collection

Today, XX/XX/21, I start receiving calls from this collection company to call them about debt they have purchased. I didn't return the call due to not having any bills in collections. When I got home and checked my mail, I received a letter from XXXX XXXX XXXX Mitchell D. Bluhm & Associates , LLC XXXX claiming that I have a medical bill in collections from XXXX XXXX. This is incorrect. First, all bills from this hospital have been paid over two years ago and second, I now work for this hospital and was never informed of any past due debts. 
I want this company charged with harassment and trying to scam me out of {$2200.00}. If possible, I want this amount as compensation to me for this notification.
Product: Credit reporting or other personal consumer reports

This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. 
This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).

Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.

1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute if you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didn't notify me with a statement 21 days before, so there should be no late payments on this account. I demand hard solid proof from the creditor bank account that I didn't pay and was marked late because this is a billing error. The items below should all be updated to be paid as agreed upon in my consumer report. 

XXXXXXXX XXXX Account XXXX You have violated the United States Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only when provided with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, you are required to immediately remove the accounts mentioned in this letter. Failure to comply will compel me to pursue monetary damages through small claims court within my city and state. Additionally, this letter has been shared with the Consumer Financial Protection Bureau, the Attorney General 's Office, the XXXX XXXX XXXX, and the Federal Trade Commission. Your immediate attention to this matter is expected.
Product: Consumer Loan

I purchased a XXXX Hyundia Accent for XXXX XXXX Hyundia on XXXX XXXX, XXXX the first contact had added costly services to include extended services, roadside, motor train, XXXX insurance, which at the time I had declined and asked the salesman XXXX XXXX to take out the services and charges. I called the dealer insisting the change or they could take back the care. XXXX responded its too late. I showed up to the dealership and spoke with the finance manager who kept claiming to be a XXXX as myself whom turned out to be dishonest and deceptive.The finance manager canceled the old contract provided a new one with a higher interest rate. He claimed Hyundia Motor finance would refinance a lower rate after 6 months.The total price was XXXX I made 22 payments totaling {$7700.00}. Today I called to find out the payoff and was told I owe {$13000.00}. The Rep ( XXXX ) explained more than half of my payment goes to interest and a {$5.00} daily interest rate is n't visible in the contract which is why she explains it to customers after the fact. I would have NEVER AGREED to that clause. I spoke to the elevation dept Rep XXXX who stated that Hyundia motor Finance will not change the APR even though I have two contracts from the Hyundia dealership. Hyundia is misleading customers, never called my references or verified my employment because they are taking advantage of female customers in an all men work place. The environment was very intimidating. They continue to call send emails and brochures to take back my care for a lesser price to put me in a more expensive car with old debt on top of the new payments. They are a foreign Entity misleading the XXXX XXXX with no Oversite. in XXXX these practices are going unchallenged and unnoticed due to a lack of education. I 'm asking for an investigation into Hyundia and a lower APR for misleading me twice. I have both contracts. Customer Service Rep XXXX then Escalating Dept Rep XXXX stated that Hyundia would not change the rate and does not refinance check with my Bank! Even though I went to a Hyundia Dealership to avoid this mess of small Mom and Pop and Bad Credit places I was treated Terribly after they got my first Signature and paystubs. I asked for a manger and XXXX placed me on hold came back XXXX min later stated manager was n't available yet. She asked if I would continue to hold or someone can call me back. I agreed to continue hold the it was silence then disconnected NO return call they have my number. I am asking President Trumps Administration To PROTECT the AMERICAN People from HYUDIA MOTOR FINANCE and companies like them.
Product: Credit card

Recently found out that XXXX credit cards were opened under my name without my knowledge. Noticed when I did a credit report. 
XXXX ) XX/XX/XXXX American Express card opened, Card closed XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX opened, Card closed XX/XX/XXXX. 
XXXX ) XX/XX/XXXX XXXX XXXX XXXX opened, closed XX/XX/XXXX XXXX ) i opened XXXX XXXX  XXXX XXXX, XXXX. Multiple charges charged to this card without my knowledge All of this activity was done by wife who used my SSN and other personal information to open these accounts All documentation is in my credit report as well as a communication between a customer service person at XXXX and someone representing themselves as me.
Product: Mortgage

Nation Start Mortgage ( NMLS : #   XXXX   ), was the previous holder of my loan. I recently refinanced the loan with another lender. I was never issued  the complete refund for the escrow impound account. On the attached document a financial record is shown of the account statement. I received the balance of the statement in the amount of {$1700.00}, however the statement includes a refund of  XXXX  issued in  XXXX  o f 2016. I never received this refund, and have requested a check be issued numerous times. Nation Star has agreed to make  payment, via conversations, however the check has never been received.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX {$2600.00} XXXX XXXX {$120.00}
Product: Debt collection

On XX/XX/2020, PACIFIC CREDIT SERVICE added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. Debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA, PACIFIC CREDIT SERVICE has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Product: Bank account or service

Fraudulent activity occurred in my Bank of America account on XXXX XXXX, 2015. I called the bank immediately after I received a text alert from them. I told them that the money in question was not mine. I told them that I only had about {$21.00} and had neither deposited XXXX dollars nor had I withdrawn {$300.00}. Everything seemed to have been taken care of but on XXXX XXXX BOA took my {$20.00} and caused me an overdraft of {$270.00} XXXX by reversing the XXXX temporary ) {$300.00} credit from my account ). I did not give my pin to whoever accessed my account. I am a struggling student and I need my $ XXXX that they have taken.
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 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Account : XXXX XXXX XXXX Account number : XXXX Date opend : XXXX XXXX Balance : {$410.00} Contact info : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, UT XXXX Phone number : ( XXXX ) XXXX Account : XXXXXXXX XXXX Account number : XXXX Date opened : XX/XX/2021 Balance : {$1800.00} Contact Info : XXXX XXXX Address : XXXX XXXX XXXX XXXX, UT XXXX Phone number : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be informed that I, a consumer, am conscious that you assumed an essential role to assemble and evaluate consumer credit and supplemental information on me as a consumer. The FCRA known as the Fair Credit Reporting Act was intended to utilize your grave responsibility with fairness, impartiality, and respect for the consumers right to privacy! Congress requires you to validate reasonable procedures for meeting the expectations of commerce in a manner which is fair and equitable to me with regards to the confidentiality, accuracy, relevancy and proper utilization of such information. Congress makes it comprehensible that I have a RIGHT TO PRIVACY as a federally protected consumer. You continue to violate and disrespect my right to privacy which is a direct violation of the FCRA & the Gramm Leach Bliley Act of XXXXI have called on numerous occasions about my rights being violated. I spoke to the specialist team supervisor and there has been no change to my consumer report. I did not consent or authorize you, or the people mentioned below to use or share my nonpublic personal information. Please be clear that no consent or authorization is IDENTITY THEFT! Your willful noncompliance has resulted in identity theft which I demand to Cease & Desist! Pursuant to 15 USC 1681 a ( 2 ) Congress makes it clear that a consumer report does not contain any transactions and or experiences to be updated in accordance with my written instructions. I have called and contacted the dispute and the fraud department. This will be my final time reaching out to have these items removed off of my credit report. I am ready to litigate if my rights continue to be denied by XXXX. I have mailed an identity theft report via certified mail and need those items removed off my consumer report as well. 

Pursuant to 15 USC 1681 c-2 ( a ) you have 4 DAYS from the data of this notice to comply with my demands as set forth in the context above. This will be my first and final attempt to resolve this as I am prepared to litigate.
Product: Credit card

Dear CFPB, I am writing to file a complaint regarding multiple unresolved issues with my Apple Card. 

First and foremost, a dispute of mine has been supposedly resolved, but I have not received the credited amount. Furthermore, I did not receive any email confirming the resolution. However, my account still displays the transaction as " under review '' instead of the correct status, which should be " credit applied. '' Despite numerous attempts through SMS and phone calls, the issue remains unresolved. Transaction details : {$130.00} on XXXX XXXX XXXX XXXX 

The second issue involves a purchase on XXXX, where I cancelled the order immediately to change the payment method. However, both XXXX and Apple Card are deflecting responsibility, each claiming the other is holding the funds. The correct procedure should be an immediate refund. Transaction details : {$110.00} on XXXX XXXX XXXX XXXX 

I have raised the possibility of a system issue with the bank multiple times, but no resolution has been provided. I request regulatory authorities to oversee the recent actions of Apple Card. 

Sincerely, XXXX
Product: Debt collection

WayPoint sent a letter dated XX/XX/2018, in which WayPoint provided insufficient evidence of debt validation pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. Furthermore, this was provided outside of the legally-required 30-day period pursuant to the FDCPA. 
On a letter dated XX/XX/2018, WayPoint alleged one " XXXX XXXX '' owed a debt of {$51.00} for an account with XXXX XXXX. 
I received this letter via US Mail on XX/XX/2018, and sent a request for validation on XXXX XXXX, as you will see in the attached documentation. 
On a letter dated XX/XX/2018, WayPoint stated that they had received my request for validation and would investigate further, pursuant to the 30-day requirement. 
I did not receive any communication providing validation before XX/XX/2018 ( 30 day window ), and sent a notification to WayPoint that as you have failed to provide validation pursuant to the requirements of 15 USC 1692g Sec. 809 ( b ) of the FDCPA, this matter must be closed. 
On a letter I received on XX/XX/2018, dated XX/XX/2018, WayPoint provided, outside of the 30-day period required in 15 USC 1692g Sec. 809 ( b ), claims of debt verification, not evidence of debt validation.
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 confidentiality under 15 usc 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify account that isnt reporting correctly. 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 inaccura
te.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECKED MY CREDIT FILES AND THE FRAUDULENT INFORMATION I FOUND WAS ( US BKPT CT FLORIDA XXXX XXXX ), ( US DISTRICT COURT ) ON THE PUBLIC RECORDS PART OF MY FILE. ALSO XXXX XXXX IS A FRAUDULENT ACCOUNT I GAVE NO ONE CONSENT TO USE MY PERSON INFORMATION TO OPEN THESE ACCOUNT. I ALSO ATTACHED MY POLICE REPORT. VERY IMPORTANT ALSO IN HAVE FRAUDULENT INQUIRIES ( 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, XXXX XXXX XXXX XXXX ). ALL FRAUDULENT INQUIRIES
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get a copy of my credit file from ChexSystems and was connected to a call center in XXXX. This call center made disclosure of my SSN a requirement to gain access to my credit file with no alternative measure if I did not want to provide it. 

I explained to the woman named XXXX that I was not comfortable with disclosing SSN to someone in another country and especially since it is against the law of the United States to compel me to disclose it. 

They refused unless I provided them with my SSN so I am without my credit file. Who is responsible for holding these companies responsible for willful non-compliance of the Federal Laws. 

42 USC 408 clearly states : Whoever- ( 8 ) discloses, uses, or compels the disclosure of the social security number of any person in violation of the laws of the United States
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report and found inquiries that I did not authorized nor have awareness of. One of them is NAVY FCU Date of Inquiry XXXX-2022. The Bureaus are violating my rights according to the FCRA Law by allowing other company have access to my file. Please help me have these inquiries deleted as soon as possible as this is hurting my credit score.
Product: Mortgage

I have an FHA loan on a property at XXXX XXXX XXXX, XXXX, MD XXXX that was sold to Amerihome. Since XX/XX/XXXX Amerihome has claimed that I am past due and even threatened foreclosure. When I obtained the loan through XXXX I paid an extra payment at closing so that I would always be one month ahead. In XX/XX/XXXX Amerihome stopped sending statements to me ( after I declined a refinance offer ) and misprocessed an electronic payment. I have a copy of transactions back to XX/XX/XXXX ( when I switched banks due to an identity theft ) and since then, Amerihome has received {>= $1,000,000} in payments. So that is 14 monthly payments of {$2500.00} since XX/XX/XXXX and along with the payment I made at closing, I should be one month ahead not behind as Amerihome claims.