23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX is reporting debts on my credit file that I do not know what they are for. I had no idea this debt existed until I checked my credit file. I immediately tried contacting them with no luck. They are in violation of my 30 day right to dispute. I never received any phone calls, or written notifications of this debt. Nothing! These need to be removed off my credit file.
Product: Credit reporting or other personal consumer reports

According to the FCRA these companies have violated my rights, the law states that 15 U.S, C. 1685975 1 section 602 ( 4 ) my right to privacy 15 U.S.C. 1681 subsection c written instructions by consumer 15 U.S.C. 1681 subsection 23 reporting inaccurate XXXX XXXX XXXX XXXX... .. did not provide me with contract with my signature on it XXXX XXXX... .. did not provide me with written contract with my signature on it XXXX  XXXX...... did not provide me with written contract with my signature on it XXXX  XXXX ... .. did not provide me with written contract with my signature on it XXXX XXXX  XXXX .... did not provide me with written contract with my signature on it
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : CFPB # XXXX Dated : XX/XX/2018 CFPB # XXXX Dated : XX/XX/2018 You stated that you obtained my information from XXXX. 

Which I find it extremely difficult if not impossible. Because I have a security freeze on my XXXX account dated XX/XX/2018. But assuming you managed to get my credit report from XXXX which is a direct violation of the FCRA then, XXXX does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. Please provide me the method of verification as required under Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract. Therefore, in accordance with s.1629e ( 8 ) of the Fair Debt Collection Practices Act, That clearly states that any information know to be false, can not be reported to any credit bureau , In the event that you can not verify the item pursuant to the FCRA , and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Please send me a copy of my updated credit report as soon as the above has been completed. Thank you.
Product: Credit reporting or other personal consumer reports

I have identified a debt reported by XXXX XXXX that I believe is the result of identity theft. Below are the details : Company Name : XXXX XXXX  Account ID : XXXX Original Balance : {$270.00} Last Paid Creditor : XX/XX/year> Account Status : Reported as due, but this debt does not belong to me. 
I did not authorize or enter into any agreement with XXXX XXXX for leasing or purchasing any equipment. The reported debt is inaccurate and does not reflect any transactions or responsibilities I have had with this company. The account has been reported under my name, but I did not receive any equipment nor did I make any payments related to this debt. 

I have already reported this matter to the relevant authorities, as I suspect identity theft, and I have disputed the debt with the company. However, the debt continues to be reported inaccurately on my credit file. I request a full accounting of this debt, including any supporting documentation, and an investigation into the validity of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

18 U.S.C 1028 No consent to share my information at all 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 18 U.S. Code 894 - Collection of extensions of credit by extortionate means 15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681b - Permissible purposes of consumer reports Most importantly : Violation of 18 U.S. Code 2721 - Prohibition on release and use of certain personal information from State motor vehicle records You have already being sued in federal court as Gaston v. LexisNexis Risk Sols. XX/XX/2020 for illegally selling drivers information. 

My consumer report which you provided to me is now my exhibit. Full of violations. Also I want to know if you have a copy of my written consent to furnish information about me and share with other entities. As I never signed a contract with Lexis Nexus to share my personal and private information. 

Not only that you where tracking my trips stocking and harassing me which is a crime. 

I am due justice, and you owe me Civil Liability for every month it reported on my consumer report. I am willing to settle for XXXX and you do not have to pay attorney fees, or we can add my consumer lawyer to the situation and under the FCRA you will pay him as well Your choice. I have dealt with this harassment for long enough. For far to long my character has been defamed comments. 

I am willing to settle outside of FEDERAL court. I expect a settlement offer within 7 days of this notice or further legal action will be initiated. 


You should be ashamed of violating my rights and privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

i had setup an automatic bill pay in XXXX and i sent the necessary paperwork for it. and it didn't get properly processed on XXXX XXXX XXXX side. So i called them and they said to dispute it through this process. it is on my experian and XXXX as late when i never been late.
Product: Student loan

I applied for the SAVE plan about 3 months ago on account XXXX. I have uploaded everything on Nelnet that is required for the SAVE plan to be processed. I have called multiple times the customer service representatives and they just keep telling me its going to be processed in a couple weeks in XXXX, XXXX, and in XXXX. The problem is that I have XXXX in student loans from school and it keeps accruing interest while on the standard repayment plan instead of save. I keep trying to call them but it takes 2 hours to reach any representatives only to get told it will get processed in a couple weeks then never processes. The payments keep getting deferred but I am interested in paying the payments on the SAVE plan but Nelnet it taking a ridiculous time to process.
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 : US DEPARTMENT OF EDU account numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Debt collection

These people brought a illegal loan usury interest rate account from cash central XXXX ... Cash Central does not have a license to provide illegal loans ( Usury interest rates ) in the state of Ca. By the CA. Department of Business Oversight and the federal consumer protection bureau. their phone number is XXXX ... I am XXXX years old and want these people to stop calling me.
Product: Debt collection

Sunrise Credit claims I owe a debt to XXXX XXXX XXXX XXXX. I have never opened a mobile account with XXXX XXXX XXXX and this is an attempt to collect a false or fraudulent debt. 

I want Sunrise Credit to furnish supporting documents of said debt including signatures, photo ID, address associated with the account, payment used to open the account, and where the account was opened. 


SUNRISE CREDIT SERVICES XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had an account with capital one. They keep allowing someone to put credit cards in my name. This is not the first time i had to deal it this with them. Please provide me with proof that this account is mine. They mentioned before they didnt have proof. The account is not mines!
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 XXXX Account # XXXX and XXXX XXXXXXXX XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/20 talked with XXXX XXXX # XXXX and XXXX and confirmed the month of XXXX is reporting incorrect. further, XXXX  and XXXX  are reporting different months for same accounts as being delinquent. i am constantly working with these agencys, and am not satisfied with results. 

also, there are to many inquiries happening on my accounts with these two agency that i have not approved of. this morning XX/XX/20, i got a call from a mortgage lender who tells me that someone ran my credit report for mortgage lender, and she can provide a good interest rate base of my credit score. the telephone number is ( XXXX ) XXXX i did not authorize for anyone to run a credit check without my consent. 

lastly, XXXX  does not allow for me to unlock my credit report because i have not paid for their service. i must pay first to be able to unlock my account for lenders that i chose to view my report. i am being denied loans because XXXX  failed to provide the service.
Product: Checking or savings account

On XX/XX/year>, I received an email notification from Wells Fargo that the terms for my checking account were changing, and that I would be subject to a $ XXXX monthly fine unless I met a few particular circumstances ( minimum daily balance, certain direct deposits, etc. ). 

I am stationed overseas on the XXXX XXXX base in XXXX, XXXX, and I don't really have any use for this Wells Fargo account any more, so I tried to close the account using the Wells Fargo app. The app indicated that I could not do so using the app, that I had to call XXXX. 

Even though this is a " toll free '' number, when calling from XXXX it still costs international calling fees for the caller. I called and navigated the menus to close my account, the call was forwarded to their Customer Service center, which indicated that they were closed, and directed me to call back " during normal business hours '' ( but gave no indication of WHAT those hours are. 

From there I went to the Wells Fargo website, where I was directed to a form that I could mail in to close my account. I started filling out the form and noted at the end that Wells Fargo REQUIRES the form to be notarized. 

This all seems excessively burdensome, and terribly unethical. In 2024, Wells Fargo customers should be able to close their accounts without having to pay international telephone charges or to go through the hassle of printing, notarizing, and mailing a form. They are the third largest bank by assets in the US -- the fact that they have intentionally NOT had a technical/online solution for customers who no longer need their services, without being subject to fees, is criminally absurd. 

Particularly in light of Wells Fargo 's previous business practices, this seems to me to be just another case of them racketeering and bleeding their customers with fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute this with Equifax and XXXX  in XX/XX/2021. This hasnt been resolved and is hurting my credit score.
Product: Checking or savings account

Chase restricted my account out of nowhere when I made a couple of claims for amounts I didnt spend, this was done on XX/XX/02. It is set for closure by Monday. They have more than XXXX dollars on hold which were for my rent. I called multiple times and they said that theres nothing to be done.
Product: Credit card

On XX/XX/ 2024, I got an email from my bank stating that I had a new inquiry on my credit report. I did not recognize this activity, so I reviewed the details and my bank app showed that Capital One viewed my credit report. I did not initiate this request, so I called my bank immediately. My bank was able to help me set up a fraud alert for the next year and suggested I call Capital One to find out more details as to why they viewed my credit report. I called Capital One over the next few days and various representatives looked up my information in their system, claiming that no results showed. Since I spoke with many representatives who confirmed my information was not in their system, I didn't feel rushed to call the three credit bureaus to have them help me as well. Over the last week, I received a letter from Capital One stating that they are working on my recent application and that I need to provide documentation to verify the information on the application. Again, I have never applied for a Capital One credit card. This notice included the Application ID : XXXX. After more calls with XXXX and Capital One, I finally got Capital One to close that application and mark it as fraudulent. XXXX has also helped me dispute that on my credit report as of today, XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my report that are there after finally reviewing my report. In the past i have shopped at classic XXXX and at XXXX XXXX both stated that they would only run my info through their dealer and there are way more inquiries on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 XXXX
Product: Credit card or prepaid card

I recently applied for a credit increase with my XXXX card I have had for 2 years with an XXXX credit score via their own Credit Wise site. I was denied with two reasons listed. The first was your average monthly payment has been too low which their solution stated as generally if you make more than your minimum monthly payment on time for three months you can reapply for a credit increase. During the entire time I have had this account, I have consistently paid 2-3 times the minimum payment every month which makes their first reason entirely FALSE. The second reason given was recent usage of this account for monthly spend has been too low so I am being penalized for wishing to pay down the balance on my account. I then called Capital One to speak with an agent who was incredibly unhelpful. Her only response was credit is very complicated and we can not discuss this with you and abruptly ended the call. This means there is no way we can even attempt to discuss the erroneous information given to me nor to correct it. Capital Ones arrogance in this matter is reprehensible with their attitude of whatever we say is the truth and we dont care of any circumstances that may need clarification.
Product: Credit reporting or other personal consumer reports

Dispute of Collection Account Request for Removal I am writing to formally dispute the validity of a collection account that appears on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to challenge the accuracy of any information on my report. 

Details of the Disputed Account : Creditor Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Reported Amount : {$390.00} Date Reported : XX/XX/year> Reason for Dispute : According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy regarding my credit information. Furthermore, under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), a credit reporting agency can not furnish an account without my written authorization. 



I request that this account be verified, and I ask that you provide valid documentation proving its legitimacy and my written consent. If you are unable to verify the account with concrete evidence, I demand its immediate removal from my credit report in accordance with the law. 



I have attached a copy of my identification and a copy of my credit report with the disputed account highlighted for your reference. I would appreciate a written response within the legally required 30-day period.

Thank you for your prompt attention to this matter.
Product: Mortgage

We did a mortgage modification or HARP loan to refinance our mortgage with Greentree XX/XX/2014. They added a principle increase on our loan of {$2900.00} and {$680.00} on XX/XX/2014. This was right after we signed the contact for the modification. We were told that this would not cost of anything and were never given a truth in lending disclosure when we refinanced the loan. I am told this is required by law. 
Since this principle increase was added to our account we asked on several occasions what these charges were, and breakdown in writing where they arrived at these figures. We asked several people in several departments over the span of about 5 months. Around XX/XX/XXXX we stopped asking and were unsure what to do next.
Product: Student loan

I am at an income based forgiveness of $ XXXXmonth but just noticed the loan company, Navient, is still adding money to my account after I was told my account would stay frozen until after I started making payments again!
Product: Vehicle loan or lease

After my car was Totaled from dodging a deer in XXXX or XXXX of XXXX. I was up to date on my payment and had made a down payment but I ran into a wall dodging a deer. I never knew the specifics or even what the gap coverage was specifically for. They did contact me like 8 to 10 years later.. Saying they probably owed me some money but didn't have the right paperwork.. As if I would have paperwork on a car that got totalled a decade ago. I honestly don't even remember what insurance company I was with at the time.. I think this was Wells Fargos plan the whole time. 
Especially since I put a down payment on the car and was current on the payments and I don't believe even a year went by.
Product: Credit card

XXXX credit card company has been charging XXXX maintenance fee on closed accounts which is against the law & deceptive bussiness practices and if there doing this too me there doing this too all accounts which is against the law & fraud the only thing there entitled too is interest I did my research I want these crooks investigated for deceptive bussiness practices or next step is too get a lawyer who will investigate every customer they been doing this too .I have done my research & homework and can even XXXX  maintenance fees on closed accounts is illegal and this is pure greed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XX/XX/XXXX. Am not aware of this account XXXX XXXX, XX/XX/XXXX. Am not aware of this account XXXX XXXX  XXXX, XX/XX/XXXX Account does not belong to me XXXX XXXX  XX/XX/XXXX does not belong to me
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 cons right to privacy and confidentiality under 15 usc 1681. 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 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 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 repoting agency connot furnish a account with 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 information any other adverse item of information, other than seven year.

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

I purchased a knife via XXXX and paid using my checking account and received a significant less valuable knife that I did not order. First, XXXX declined to cover the purchase because they say the knife is not a protected purchase. This decision was not compatible with their acceptable use policy because nowhere in XXXX acceptable use policy does it say that the knife I purchased is prohibited. They use broad language and do not say that an automatic knife is prohibited and leave the consumer unprotected. Additionally I was under the impression that my purchases are protected from Wells Fargo, especially if I purchased a product and received something substantially different from what I ordered. I disputed the transaction for the product being different than described and fraudulent. The claims assistance center mailed me a letter saying that they found the charge was authorized. This was not what was disputed. What was challenged was that the item I received was not the same. This makes me much less interested in continuing my business with Wells Fargo if they can not protect me from a fraudulent transaction when the merchant is not replying to my communication.
Product: Checking or savings account

Deposited my settle ment check bank closed my account after accepting the check and and would not provide me with a reason othe the bank has the right to close my account.