23daVinci/CFPB_Complaints huggingface dataset:
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 detrimentally affected me and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX 15 U.S.C

1681 section 602 A States I have the rights to privacy.

15 U.S.C 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 : 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. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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

I filed a complaint with the CFPB on the original creditor after ( case # XXXX, I also submitted paperwork from my insurance company that clearly showed that I didn ; t owe this bill and now they have turned it over to a collection agency,
Product: Vehicle loan or lease

I have an auto loan with Exeter finance. Ive had this loan for almost 6 years. I am supposed to have two remaining payments in the amount of {$380.00}. I received a letter from them stating that there is an extra almost {$1500.00} worth of interest applied to my loan because they put two loan payments on the end of my loan five years ago. No one ever told me that they were going to be assessing an extra {$1500.00} worth of interest, and then they send me a letter threatening to report me to the credit bureau if I dont have that extra {$1500.00} paid off by the end of my loan on XX/XX/XXXX. This loan has been current for five years or so. I attempted to call them and speak to them about it, theyre trying to tell me that what theyre doing is OK and that I have to pay it and if I dont pay it then theyre going to repo my car and report me to the credit bureau. I have made 70 payments on this car, Im supposed to have two remaining payments, I signed a contract for 72 payments, and now they want me to come up with an extra {$1500.00} in a month. I asked them to produce proof that someone even spoke to me about this or I signed something saying that theyre going to assess an extra {$1500.00} and the woman told me because Im in Florida that they dont have to do that. I dont understand how a business can be deceptive and then take something from me that I have paid for for six years.
Product: Credit reporting or other personal consumer reports

on XX/XX/2024 I disputed XXXX accounts that have my personal information linked as a authorized user Cap one National credit system
Product: Credit reporting or other personal consumer reports

Remove these inquiries, please. I have no knowledge about them, and the company proceeded without my consent.
Product: Debt collection

The total amount and date from XXXX XXXX XXXX XXXXXXXX not righ didnt match and the time i have service from them i do have dental insurance some cover the last appoinment from them i pay and the total last i spoke from them my final to be fully paid XXXX XXXX
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/DEPT OF ED : Account XXXX Account Name : XXXX/DEPT OF ED : Account XXXX Account Name : XXXX/DEPT OF ED : Account XXXX Account Name : XXXX/DEPT OF ED : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 reporting, credit repair services, or other personal consumer reports

TRANSUNION is fraudulently reporting a public record on my report. I have contacted the third party company they state they verified with. This company XXXX says this information was not verified and has been deleted from there data base. I have contacted the court listed on my file who states the same thing. I have requested both by phone and by mail that an investigation be done and this item removed. Transunion continues to send only credit reports. Since XX/XX/21 I have received XXXX reports. None of which show proof of an investigation or permissible purposes for certain items listed. This public record is intentionally being left on my file. Pursuant to the FCRA Cras have an obligation to investigate and report verified information only.
Product: Credit card

This account constitute a clear violation of the contract and are inherently fraudulent. The bank did not provide me with crucial information about this fraudulent account, which directly infringes upon my rights as a consumer. Consequently, I urgently ask the Consumer Financial Protection Bureau ( CFPB ) to intervene in this matter, as the bank 's actions have caused considerable damage to my financial situation. XXXX XXXX XXXXXXXX
Product: Checking or savings account

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

This is in response to your recent claim regarding Acct # XXXX, which you claim I owe {$1000.00}. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. Please note as per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$5000.00} in damages. You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX SSN : XXXX
Product: Money transfer, virtual currency, or money service

I am a victim of Pig Butchering Scam happened through online trading portal XXXX XXXX XXXX. I had deposited {$140000.00} to my trading account through XXXX and XXXX through crypto transfers. I lost all my hard earned savings as they are not allowing me to withdraw the fund. It's a total scam. I have requested XXXX XXXX XXXX when I came to know about this scam ( its after 2 months ) to track and recall all my transfers. I am not getting any response from the XXXX regarding my request.
Product: Debt collection

Over the past 5 weeks, I have received a phone call at least once a day. The calls started on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The times are before XXXX XXXX  except for one at XXXX XXXX. The calls could have started before XX/XX/XXXX, but can't confirm. I called the XXXX number on my call log and they identified themselves as a collection agency. The company doesn't leave a message, and I DO NOT have any collections against me. I have also emailed the company and attempted to fill out something on their customer service site, but only to receive an error.
Product: Debt collection

TMX Finance LLC submitted a cancellation of debt form to the IRS in 2019. I have had a loan with Title Max in 2019 for my car. They repossessed the car in 2019 and sold it for about {$3000.00} after I paid about {$5000.00} towards the loan. I complained to the Missouri consumer protection- General Attorney Office and Title XXXX said they did not file any cancellation of debts form and that repossession was legal. I pointed out that repossession was not legal as we were in the process of arbitration. It was also COVID period and they were not supposed to act to seize and then report cancellation of debt. 

Debt was not existent at the time of reporting.
Product: Credit reporting or other personal consumer reports

The accounts are not mine. I asked the creditors to provide any documents or agreements to which my signature was attached and a copy of my ID or Driver 's License. 
Accounts : 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 reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report Act. The list of accounts below has violated my federal privacy and confidentiality under 15 USC1681 This accounts are under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602a States I have the right to privacy 15 U.S.C. 1681 section 604a section 2 - It also states a consumer reporting can not furnish a account with out my written instructions 15 U.S.U. 1681c. ( a ) ( 5 ) section States no consumer reporting agency may make a consumer report containing any of the following items of information.Any other adverse items of information, other than records of conviction of a crime. Which antedates the report by more than 7 years 15 U.S.C 1681-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer report Agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

XXXX XXXX. 
Account Opened : XX/XX/year> Original Balance : {$3500.00} This account was the result of ID Theft, for the past 8 month I have been in a battle with Experian and XXXX  to have this account block or removed from my credit file. Experian and XXXX have ignored several of my request to block and delete this account. I have sent Police reports as well as FTC complaint. Also, I have requested documentation from XXXX and Experian that proofs that this account belongs to me, but untill today, I have not received any documentation from either one.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 I did not open any account on my own volition my information must have been recently leaked or stolen. Please close the account, and remove the inquiry from my account.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX  XXXX for violating the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, by inaccurately reporting an account that they no longer own. 

On XX/XX/XXXX, I requested XXXX XXXX to validate and verify an alleged debt associated with account number ending in XXXX. XXXX XXXX responded by stating that the account had been XXXX XXXX XXXX. Despite this, the account continues to be reported under XXXX XXXX 's name on my consumer credit reports with Experian, XXXX, and XXXX. 

This continued reporting violates XXXX XXXX. XXXX ( b ), which requires furnishers of information to ensure accuracy and completeness. As XXXX XXXX no longer owns the debt, its reporting of this account is both inaccurate and misleading. Further, XXXX XXXX failed to provide any validation or proof of the debt under 15 U.S.C. 1692g of the FDCPA. 

My specific concerns are as follows : XXXX. XXXX XXXX continues to report a sold debt on my credit file, which is materially misleading and impacts my creditworthiness.

2. The failure to validate or provide proof of the alleged debt after my written request.

3. The negligence in updating or correcting inaccurate information with the credit bureaus, violating my rights under the FCRA. 

I have attempted to resolve this matter directly with XXXX XXXX through written correspondence, but they have failed to take corrective action. I request that the CFPB : 1. Investigate XXXX XXXX for its violation of FCRA reporting requirements. 
2. Require XXXX XXXX to immediately remove the inaccurate account from all consumer credit reports. 
XXXX. Impose penalties and ensure compliance with consumer protection laws. 

Attached are copies of my dispute letters to XXXX XXXX, their responses, and evidence of the account 's continued reporting. I look forward to your assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint to dispute the reporting of a late payment by XXXX XXXX XXXX, Account Number : XXXX, on my credit report for XX/XX/year>. I believe this reporting violates my privacy and federal laws, and I am requesting the immediate removal of this late payment from my credit file for the following reasons : XXXX. Violation of 15 U.S.C. 1666b Under the Fair Credit Billing Act, 15 U.S.C. 1666b, late payment reporting must align with specific provisions and timelines to ensure accuracy and compliance. This provision ensures that no erroneous or unfair reporting takes place, particularly when it involves timing disputes or miscommunication. In this case, XXXX XXXX XXXX has reported a late payment without properly substantiating the legitimacy or circumstances of the report. 

XXXX. No Legal Obligation to Report Transactions There is no law requiring creditors to report any transaction or account activity to credit bureaus. Reporting such transactions, including alleged late payments, is a voluntary action by creditors. As such, I did not provide explicit consent to XXXX XXXX XXXX to report this information, and this action constitutes an invasion of my privacy. The reporting of this late payment, especially without my consent, is misleading and harmful to my creditworthiness. 

XXXX. Violation of Privacy and Lack of Consent The reporting of my personal financial information, including late payments, without my explicit consent infringes upon my right to privacy. I did not authorize XXXX XXXX XXXX to share or report this information to credit bureaus, and such unauthorized reporting constitutes a breach of my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  reported the inquiry this morning that was made SUNDAY XX/XX/2021. No authorization was given to run credit. Nor was anything applied for.
Product: Payday loan, title loan, or personal loan

I bought the car when I lived in the state of virginia it was financed by citizenone loan number XXXX and the title is found on the website XXXX the dmv of the state of florida has requested and this server the transfer of the title to the state of florida and my title support does nothing, I have confirmation number XXXX, and the last 4 are, XXXX and nothing to do the transfer, I am No tag, I can't use that car and I have to pay for it. 

my title support says to contact me by email and they don't have it on their website. 

The bank does nothing as long as you visit the mytitlesupport website. 


That is my complaint. 

Thank you XXXX XXXX
Product: Checking or savings account

I was a victim of a scam through XXXX. The check the scammer sent to me bounced and they used XXXX XXXX to try and take funds from my account. I called the bank on Friday and they werent going to dispute anything. So my mom called whos also on account. Disputes were filed but now Bank of America is not allowing me to get my funds. We were told a cashier check is being sent, then we were told it wouldn't be until XXXX and then we were told I could go to a branch and get the funds. We don't live close to one but my mom drove me today. The branch called the fraud department to get hold removed and they refused. I get SSI and don't have money for food or my phone bill. We are told different things by each person we talk to. Even the branch rep was told XXXX different things by 2 different people. I just need my money. I filed a police report but that won't be signed off until tomorrow.
Product: Debt collection

I 've been paying a debt since XX/XX/XXXX in which FCo financial has given me. The debt total was {$1900.00}. I have payed {$1400.00} towards this debt. I 'm filing a complaint of harassment because they have called me after hours to retrieve this debt. On Wednesday, XX/XX/XXXX, I received a call from FCO XXXX at XXXX Eastern Standard Time to collect the remaining balance of this debt.
Product: Credit card or prepaid card

I applied for and received a credit card from Bank of America. I never used the card. Now they keep sending paying other creditors for balance transfers I never requested because the creditors they are sending the transfers to had already been paid off and I had a XXXX balance with the creditors. Despite several calls and that I have documented proff that the creditors being paid with the transfers were already paid off ( I have provided dates, check numbers, transaction numbers to show I did not have a balance with the creditors so the transfer were unnecessary and never requested, they keep saying that I might be liable for the transfers and also the transfer fees. I now have credit balances with the creditors they sent the transfer payments to which shows that I did not owe the funds and would not have need to request the transfers but they still say I may be liable for the transfer plus the fees. I even called them when I was alerted via email that the transfers had been requested and were in the pending stage and told them that I never requested the transfers and gave them proof the funds were not owed but they refused to cancel the transactions when they were in the pending stage and now seem to wan to charge me for the transfer fees and the transfers. I have uploaded my proof that the accounts had a XXXX balance and did not need a balance transfer. 

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

TransUnion is reporting a charge off from XXXX XXXX that is not mine. I attempted to correct the problem with XXXX XXXX, which while acknowledging the problem over the phone XXXX XXXX did nothing to remove the bogus account and charged off a balance due that was not mine. TransUnion did nothing more than contact XXXX XXXX, which verified the debt. In my dispute I suggested that TransUnion demand documentation from XXXX XXXX that would support the balance due, such as loan documents, account statements, etc. ( which simply don't exist and which I requested from XXXX XXXX and were never produced ). TransUnion has done nothing to truly investigate this dispute and has provided me with no information other than XXXX XXXX verified the claim. Furthermore, XXXX XXXX, has created a false history to support the bogus debt. I have no accounts with XXXX XXXX  and haven't had since XXXX. XXXX XXXX shows a payment history up through XXXX on an account that is identified as a 60 month loan, that never occurred. I started receiving notices from XXXX in XXXX and promptly called XXXX XXXX  demanding they fix the error. XXXX XXXX did nothing, provided no documents to support their claim. XXXX XXXX and TransUnion have violated the law and should be held accountable.
Product: Payday loan

charged an unbelievable interst rate that i wasnt aware of ... borrowed XXXX and i have to pay XXXX back ... when i thought i had to pay XXXX that was stated before i finalized the loan ... did know about the XXXX until the loan was finalized ... big picture loans apart of tribal loan company
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we should eliminate any incorrect accounts from my credit report. Could you examine the documents? Some accounts listed are inaccurately reported, with wrong amounts and dates.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on the ongoing issue regarding the fraud items. Despite our previous communications and numerous attempts to rectify this matter, it is disappointing to note that the problem persists. As this is now our multiple round of dispute regarding this issue, it is imperative that immediate action is taken to address and delete the items. The continued presence of fraud items not only hampers our operations but also reflects poorly on the efficiency and reliability of your services. 
Despite our understanding and patience, there has been no visible improvement in the situation. We urge you to prioritize this matter and implement measures to ensure that these items in a timely manner moving forward. With this, I am asking for your assistance to remove these items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$700.00} XXXX  XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$700.00} XXXX  XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX XXXX Balance : {$920.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.