23daVinci/CFPB_Complaints huggingface dataset:
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 168b permissible purposes of consumer reports. 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. 
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 XXXXXXXX  has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Vehicle loan or lease

My wife and I has a balance left over on our auto loan with GM Financial at the end of our contract. We resolved the balance with their attorney : XXXX XXXX XXXX, but GM Financial refuses to update our account properly at XXXX, XXXX, and XXXX XXXX. I am attaching a copy of the letters from their attorney, which states we resolved the debt. We just don't understand why GM Financial continues to tell the credit bureaus we owe them money.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is XXXX XXXX ( Wheels Financial Group, LLC XXXX ). In XX/XX/XXXX I agreed to make payments but defaulted due to COVID. I made arrangements with them and account showed as Charged Off on my credit report. Account should show as Charged Off. Every two months ( In XX/XX/XXXX, now XX/XX/XXXX ) XXXX XXXX opens back up the account and it reflects on my credit as open again affecting me negatively. This time making my credit score drop 60 points. I file the claim through the credit bureau in XX/XX/XXXX about the status of the account being incorrect. It was updated back to Charge Off. Now XXXX, XXXX once again change the status to " open '' and it should be " charge off ''. Can they legally keep on changing the status of my account back and forth.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested the credit bureaus verify all data reporting on my credit file. They completed their investigation and stated everything was verified. After a thorough review i fount some accounts to be not mine and requested proof of ownership and proof I owe this debt. these are the accounts listed below * XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX in accordance with the fcra guidelines these creditor have violated my rights under 15 U.S.C 1681 sec 609. States a consumer may request a copy of contract used to validate ownership 15 U.S.C 1681sec 602 A. States I have the right to privacy 15 U.S.C 1681 sec 604 A sec 2. states a consumer reporting agency can not furnish an account without written instruction
Product: Mortgage

We applied for a government loan modification and because they approved a repayment plan we were denied for the loan. The repayment plan is way beyond our means requesting a monthly payment of {$990.00} plus additional payment of {$860.00}. Mr. Cooper ( We fell behind with payments during my husband 's XXXX XXXX and recovery ) I requested a copy of the check that they actually paid for said property. Instead I was resent all Mortgage Paperwork. I have given them until XXXX XXXX to produce this copy of the check. We are maintaining that the repayment plan and mortgage itself used misleading or unethical tactics to persuade us to take out a loan not in our best interest. 

We are seniors age XXXX & XXXX. We live mainly on Social Security Income. I am sending a letter of appeal to them by Certified Letter.
Product: Credit card

Portfolio Recovery Corp ( PRC ) continues to call on a stale debt 2006, which was discharged. They were notified XXXX in the past about this
Product: Bank account or service

I have been banking with Fifth Third Bank in XXXX Ohio, my branch was in XXXX, Ohio, near XXXX, Ohio. The bank was using unfair methods to tack on overdraft and additional overdraft charges of {$37.00} each. They were not taking credits and debits, online or in person at the bank, in the order in which they were presented. Many times I had online deposits coming in at XXXX or XXXX. of the banking day, but these deposits were counted last a the end of the day at XXXX. There would be debits taken out at XXXX that business day taken out before the deposits, it did n't matter what was pending or non-pending. A pending online deposit at XXXX was still posted after a pending debit from XXXX. Then at the end of each banking day, Fifth Third took out the debits first ... smallest to largest and then Fifth Third added the deposits last..smallest to largest. This would result in overdraft charges, sometimes multiple charges. I called the bank to explain to the manager and they always had an excuse and one time said I could come in and talk to them, but then the top XXXX managers were busy the next day. I felt like I was being ridiculed and often went to another branch on XXXX to avoid the XXXX branch. ***The problem was not that my funds were low, the Problem, as stated below this paragraph, was that Fifth Third Bank re-arranged their deposit and debit order to have more overdraft charges****
Product: Credit card or prepaid card

I recently just applied for a new Discover Card account on XX/XX/2019. In the previous years I've had two discover card accounts ; Open road ( which is no longer a card ) and Discover IT. in which I closed both cards personally. Their was fraud on the Discover IT card, Discover closed this at my request and also they gave me an interest are of 0.99 % for closing the account and to pay it off. I was NEVER told that this will refrain from me getting a discover card in the future. Every time I apply for a discover card it says as the reason it was declined is - STATUS OF EXISTING / PRIOR DISCOVER CARD ACCOUNT is the whole reasoning. I have talk to so many customer service people at XXXX and XXXX and they stated to me that they can't change anything to get me approved, meanwhile I have perfect credit and had/have excellent payment history with discover and NEVER missed a payment, also I have two ( 2 ) student loans with Discover as well. I feel discriminated. No one at Discover wants to help with this issue and says its the " computer. '' and that they can not change it, ive asked them how long will this take, Discover informed me they are not sure. I ve NEVER heard of anything in my life in regards to this situation. I was offered a lower APR rate to pay off the account, I was never informed of any paperwork and or statements to me that I would not be able to get a discover card.
Product: Debt collection

This FRAUDULENT account has caused me, a XXXX XXXX XXXX XXXX, to LOSE OUR HOME due to not being able to be approved for our lease renewal. I have tried to contact the company and dispute multiple times and have received no response. They have also ILLEGALLY THREATENED LEGAL ACTION for a FRAUDULENT DEBT. If the account is not removed from my credit report immediately I WILL FILE A LAWSUIT for a MINIMUM of {$30000.00} in damages.
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. 

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 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 card

I am deeply troubled by the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.
Product: Vehicle loan or lease

I called and requested a payment extension. I was told if I got a payment extension this would keep the account from being reported as delinquent. I agreed to the extension and I paid the agreed payment on XX/XX/XXXX. On XX/XX/XXXX I received an alert that my account has been reported delinquent by Capital One. When I called their rep. I was told I would have to file a dispute. I was never told that my account would be reported as late I was told if I made and kept the payment extension my account wouldnt be reported as late. My credit score went down 60 points because of this issue
Product: Debt collection

I am writing in regard to XXXX account XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX, Ohio XXXX. I was a long time subscriber to XXXX for 9 1/2 years. At age XXXX, I subscribed at the lowest price point because my income is well below the poverty level ( just a little over {$12000.00} a year ). A XXXX telemarketer contacted me and thanked me for being a long time subscriber and told me that I was eligible for a free upgrade to High Definition service. The telemarketer used unfair and deceptive marketing practices by telling me that I would also receive 3 months of premium movie channels at no charge. XXXX failed to adequately disclose the true nature of the deal in a manner that I could understand, which resulted in much higher prices, unauthorized charges and a requirement that I maintain the new rate for 2 years. XXXX used high pressure predatory practices by targeting me as an elderly person, who XXXX gets confused over the details. All I understood is that I was being rewarded for being a good customer with free services. 
When I saw my next invoice, I saw that my subscription price more than doubled which I did not expect, and could not afford. When I called XXXX about the unauthorized charges, they would not allow me to go back my original plan and told me that I was stuck at the new rate for 2 years. I then told XXXX that I wanted to cancel all services and was told that I would be charged for a verbal 2 year contract. I cancelled my service and returned the required equipment. XXXX 's predatory, and deceptive practices was confusing to me at my age. 
XXXX has since issued collection actions through Diversified Consultants XXXX Agency reference # XXXX XXXX in the amount of {$470.00} which hit my credit rating. I am requesting that XXXX cancel all inaccurately perceived debts due as a result of their deceptive actions, cancel collection actions including repeated phone calls, and rescind the credit rating incident, in order to restore my credit rating to pre incident levels.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXX XXXX XXXX - XXXX - XXXX - {$140.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Mortgage

My payment for XXXX was returned. They charged me {$40.00} return fee and {$25.00} late fee. I paid my regular mortgage payment plus both fees and even now they are still saying I have fees on the account. This company is predatory and need to stop fleecing consumers.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and TRANSUNION are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a 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. '' ( XXXX XXXX ) the financial institution and the Consumer reporting agencies XXXX and TRANSUNION do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, TRANSUNION, ( XXXX XXXXXXXX  ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and TRANSUNION are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of XXXX XXXX reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a claim that the inquiries from XXXX XXXX  were fraudulently reporting on my credit report. Equifax responded I should contact them but there is no contact info or person / phone numbers. Equifax is negligent and doesnt do fair or thorough investigations. The inquiries better be removed immediately or I will be contacting lawyers for monetary damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/202XXXX XXXXXXXX XXXXXX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I bought a XXXX XXXX XXXX XXXX and financed it through Bank of America. In XX/XX/XXXX, I checked my credit score and noticed Bank of America had reported two late payments ( XXXX and XX/XX/XXXX ). I contacted them in XXXX of XX/XX/XXXXto dispute these false statements and nothing was done. The faxes were sent over on XX/XX/XXXX with bank statements proving the payments were paid on time and were not late. 

On XX/XX/XXXX, I was contacted by XXXX XXXX XXXX, which is where I was trying to obtain a home loan and was advised due to the late payments reported by Bank of America I could not go forward. I then again contacted Bank of America and XXXX to dispute these false statements. Nothing was done. In XXXX, I finally spoke to a supervisor by the name of XXXX and was advised she would try and figure out what happened and get back to me. On XXXX XXXX I was advised the payments were still late because in XXXX of XX/XX/XXXXI supposedly called and asked for the additional monies that were sent in be applied to principle and with XX/XX/XXXX payment being only {$170.00}, which was what was due at the time the payment was now considered late. XX/XX/XXXX has nothing to do with XXXX of XX/XX/XXXXpayments whatsoever. On XX/XX/XXXX I was advised Bank of America is closing out there case and nothing is going to change.I have attached the bank statements showing were I was not late in XXXX and XXXX of XXXX. 

Furthermore, I paid the auto loan in full in XXXX of XXXX and do not have access to the loan history due to account now being closed. Please please help me! I have documents to prove the payments were not late whatsoever.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against CAPITAL ONE, regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 
On XX/XX/year>, I notified CAPITAL ONE that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliate third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services.
Product: Credit card

Upon paying my credit card off that Ive had with capital one for a year now once I made a payment the payment was posted and withdrawn from my personal checking account for {$160.00} as well as {$150.00}. This payment was posted from capital one to XXXX XXXX XXXX XXXX. On XX/XX/XXXX  I went to a branch to speak to a teller which referred me to a representative who then told me she had no information on my account was closed and she was not allowed to provide any response on a refund or reimbursement of the payments that were taken from my checking account. Ive had this account for 1year now and Ive never in my entire lifetime missed a payment or a bill Ive even paid this bill weeks in advance of its due date just for them to try to steal my money and close my account.
Product: Credit reporting or other personal consumer reports

Ive noticed unverified and unauthorized hard inquiries to my credit report. Please remove the inquires. Theyre XXXX hard inquiries which include Capitol One via dealer, XXXX XXXX XXXX, XXXX XXXX XXXX which were all authorized on XX/XX/XXXX - 2024.
Product: Checking or savings account

Venmo completed a lazy dispute. I was induced into a {$540.00} purchase, based on a false advertisement and other false statements of fact. I was charged for a six month medical subscription and cancelled immediately. Venmo advised me that I lost my dispute because the fee was nonrefundable under terms and conditions of the website. The website terms are not part of the contract because they are hidden on the website and are therefore violative of state consumer protection laws. And Venmo is erroneously construing language in this so-called website terms agreement in XXXX favor where language is ambiguous. Venmo should not offer debit products if it can not process a reasonable dispute.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX and XXXX refuse to fix and follow FCRA rules and regulations in ACCURATELY REPORTING creditor account information on consumers credit files. While disputing previous LATES being reported by XXXX ( ACCT # XXXX ), The Credit Bureaus recently updated that I was more than late 30 days for XX/XX/2023. My payments are due on the XXXX of each month. I made my payment prior to XXXX. How are they reporting me late after they received the payment? They are deliberately keeping me in a negative account status which is severely impacting my credit. This is fraudulent reporting and it is illegal. I have attached a receipt of my most recent payment made and also a copy of a complaint I filed with XXXX
Product: Credit reporting or other personal consumer reports

Been getting rapidly emails and texts from the third party collection company about the. Debit four five times a day rather its email or text