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

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these accounts ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX and XXXX XXXX
Product: Checking or savings account

So. On XX/XX/XXXX I noticed I over drafted and went under {$220.00}. I immediately transferred {$500.00} from a money market account but that took 3 days to get there. In the mean time I got 5 {$34.00} over drafts totaling {$170.00} bring my over draft to {$390.00}. That is 74 % of the amount I went over. So that is fine. the {$500.00} brought me to a positive. Do to a miscalculation on my part I went under again this time it was {$58.00} again I get the Overdraft Fee 's this is a total of 7 over draft fees for {$230.00} this put me under for a total of {$290.00}. So this is 4x what I over drafted. How is this legal. As that would mean a person could never get out of this hole.

I contacted my bank they reversed a single overdraft fee ( I did not include in my calculations ). I then asked them when I signed up for the over draft protection and they said I did it back in XXXX. I don't remember signing up for this over draft protection. The form was not my signature but a generated one. As it could have been filled out when I set up my minor son 's account that has to be attached to mine, until he is XXXX.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these ACCOUNTS ( A ). It is not permitted to report these ACCOUNTS as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit card

Requested a validation of all account level information, and the company can not provide this information. They have not been able to provide any of the requested information and have made no attempt to provide the information to me. I have an increasing balance and charges on a closed account that are not explainable as well as other issues as being requested in the entire validation of the entire account from opening.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I were denied a XXXX XXXX XXXX. 
The reason given was that we opened 5 or more credit cards in the last 24 months. 

I think XXXX has incorrect information and can not get help from Experian to correct or find out what cards I have opened in the last 24 months. 

Many letters and phone calls have been made to both. 

Can you please help me? 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX home XXXX cell XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have about XXXX different hard inquiries that I did not approve. At one time I was shopping for a vehicle and already had my approval from one company and the car dealership still sent my information to numerous companies that pulled my credit without my authorization. Just today Ive seen several hard inquiries that were supposed to be soft inquiries on pre-qualifications of credit cards. I contacted Experian and they told me that they couldnt help me that I needed to contact each one of those inquiries personally to get them off my bureau. They said that was their policy even though that was against FCRA regulations. The girl told me then that no use of arguing with her that they are going to do it their way. Some of the inquiries were the same company within a day or two apart.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX # XXXX, XXXX # XX/XX/XXXX This CFPB complaint has been filed to request pursuant of FCRA ~ 605B ( 15 U.S.C. ~ 1681c-2 ) that you Equifax credit reporting agency block information appearing on my consumer credit report that is the results of identity theft and fraud within four business days of you receiving this complaint this fraudulent inaccurate and false information. Consists of XXXX under account number XXXX  XXXX, opened XXXX XXXX, XXXX. Collection account : US Department of Treasury under account number XXXX  XXXX, opened XX/XX/XXXX with a balance of {$250.00}, these accounts have resulted in fraudulent collections appearing on my consumer credit report.I have attach a copy of the consumer credit report maintained by you which shows the affirmation fraudulent items. I do not recognize the mentioned accounts collections as reported the affirmation account of identity fraud complaint.
Product: Credit reporting or other personal consumer reports

XXXX was reporting on my credit report and I had a lawyer investigate this company and it's not a real credit card company and it has been removed from my XXXX credit report but not XXXX or Equifax Credit report and I do have proof showing it has been removed from my XXXX credit report.
Product: Credit card or prepaid card

Bank of America records payment calls in East Coast time. They collect late fees from customers making payments by the time stamp in East Coast time regardless of the time the payment was actually made  based on the location of the customer. There is no notice that phone payments are only considered on time based on East Coast time. I was charged a late fee based on a payment logged as late in East Coast time but that was submitted on time - on XX/XX/2020 - on the West Coast. This is discriminatory and fraudulent.
Product: Credit card

My Capital credit card account my payment went over XXXX from may i cant keep on paying this amount i was charged 44.70 % for purchases and cash advances.
Product: Vehicle loan or lease

I have had my car for over or almost 2 years and the original loan amount was {$19.00},  XXXX  I make monthly payment in the amount of {$480.00}. I just do n't understand how I still have {$16.00},  XXXX  remaining. As a  XXXX   XXXX   XXXX  and worker it is already a struggle to manage my payments in addition to th e 3 la te payments being reported which is also causing an additional hardship to my financial situation.
Product: Debt collection

I have no knowledge of this debt and No CONTRACT or business with Portfolio recovery assoc. or of this alleged debt i dispute this before and. I contacted and requested Portfolio recovery company to verify this alledge debt. Which Portfolio recovery assoc FAILED TO Comply! I requested to validate/verify this alledge debt. I requested that the original copy of the contract is sent, it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders. 

I also requested XXXX recovery to To please send proof of chain of ownership of the alleged debt and include proof of assignment for each change of ownership. Proof of chain ownership MUST be from the original creditor to the current alleged owner without any break in the chain. If any interest or fees have accrued or been added onto the balance, please send proof that such fees are lawful ar agreed upon in the original purchase agreement. 

And to also asked send proof that portfolio recovery assoc has sent the legally required notices to me before reporting to this alleged debt to any consumer reporting agencies. Including copies of the original notice and any letter tracking your firm maintains. Portfolio recovery has failed to do that! And continues to report fraudulent activity onto my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received a notification that a lender ran my credit report causing a hard inquiry and my score to drop by XXXX points. At the time that this notification came through I was at my workplace and had no idea of this hard inquiry. I immediately called XXXX and submitted a dispute of this hard inquiry as I did not perform this action. I am requesting this inquiry be removed immediately and if any further action is performed on my credit report withemy consent this will be forwarded to the XXXX  and FTC identity theft.gov.
Product: Credit reporting or other personal consumer reports

You are in violation of the FCRA for reporting an account that you were advised to remove from my credit report. In my CFPB complaint ID # XXXX to the collection agency, XXXX XXXX XXXX , they stated that you were informed in XX/XX/year> to remove the account XXXX from my credit report in which you failed. The company stated to give you 90 days to see any changes, but it has been well over the deadline and this account remains. I am demanding the removal of account XXXX XXXX XXXX XXXX within 7 days. Please see the response letter from the company and delete this account immediately.
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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an accommodation 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

XX/XX/XXXX {$2900.00} worth of fraudulent purchases were made with my credit card. 
XX/XX/XXXX I was alerted by Bank of America about the suspicious charges. They started an investigation. 
XXXX Several packages arrived at my home that I did not order. They matched the company names for fraudulent purchases. 
XX/XX/XXXX B of A denied my claim and {$2900.00} was charged back to my account. 
XX/XX/XXXX I filed a police report and called to re-open the B of A claim. 
XX/XX/XXXX I was notified B of A approved 2 of the claims but denied 3, leaving me with a balance of {$1400.00} of fraudulent charges on my account.
Product: Bank account or service

I had a basic checking account with T.D. Bank in XXXX, XXXX. I was told when i opened the account that, if i chose i could allow overdrafts on the account with no fee if repaid within 10 days or something like that. I told them no, i absolutely did not want that service on the account, and was told i then had overdraft protection and could not overdraft on this account. Because of personal unforseen circumstances i was forced to move from the area unexpectedly. The last time i used my debit card i had around XXXX $ left in the account. Not having access to the bank in any way, shape, or form, i assumed the account would simply be closed. Now i have settled in XXXX and been denied a checking account on the basis of a report from " XXXX '' which claims that my account at TD. Bank was overdrawn by an amount of XXXX cents!! Needless to say they then of course added their standard fee of XXXX more dollars to that for a total of {$35.00}. I then called the branch where i opened the account to find out how this even happened, and how i could resolve the problem if possible. I was told that once an account is charged off there is no information about the account on file except the amount owed, and that i could only pay the amount due in person. Being in XXXX XXXX there are no branches of TD. Bank so i asked if my brother or sister could do that for me and was told yes they could provided they had my account number and s.s. number. My sister went and attempted to do that for me and was told she couldnt do that without power of attorney! This whole situation is totally ridiculous! I also requested my report from chex systems, which was supposed to take 5 business days, and ended up taking 3 weeks, and it told me absolutely nothing other than being reported by TD.Bank for the overdraft. I really feel like both TD. Bank and XXXX are wrong and pretty shady. I know that chex systems reports anything reported to them without any type of proof or documentation. That in and of itself is wrong.
Product: Vehicle loan or lease

I bought my car through XXXX and the banking company was Santander Consumer Usa. The dmvs for a full year couldnt find information on my car while santander was collecting payments from me. Satander decided to close my account without my knowledge but I registered my car in my name. The dmv said there wasnt any leinholder and gave me the full title in my name. Months later, santander is trying to repossess my car. XXXX knows nothing and santander wont talk to me about the situation. The first time the tow driver left because i was able to show him my title. This time, my car was reposessed at night and wasnt able to show them my pink slip. Now XXXX XXXX is still ignoring me. 
All of the legal documents i own, including the title in my name only will be attached.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$160.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX : {$520.00} XXXX XXXX XXXX XXXX : {$550.00} XXXX XXXX XXXX XXXX : {$980.00} XXXX XXXX XXXX XXXX : {$2100.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Payday loan

We attempted to pay the loan on Thursday, XX/XX/XXXX. The Check and Go ( the company that gave the loan ) 's branch had closed. We were referred to a manager. The manager did not know how to pay a loan. 
On Friday, XX/XX/XXXX, we went to the local branch, in XXXX, XXXX, only to be informed that they would not take payment on the loan because the original Check and Go branch where the loan was started was in XXXX. 
By the time we had managed to find the original branch, six days had passed to Tuesday, XX/XX/XXXX. However, Check and Go continued to assess fees and interest on the loan since Thursday, XX/XX/XXXX, even though we were able to and wanted to pay off the loan. They refused to consider letting us pay the loan using interest current as of Thursday, XX/XX/XXXX.
Product: Credit card

I am reaching out to your organization in hopes that you can assist or at least help me to see that my complaint is acknowledged. I have paid several companies thousands of dollars for various online business opportunities and have found myself as a victim of a professionally orchestrated scam. I would like you to investigate my charges on my card made by these fraudulent companies : XXXX XXXX XXXX and XXXX XXXX. I got contacted by these companies by unsolicited telemarketing phone calls and they promised me a profitable at home business. The reason for this dispute was due to their deceptive sales tactics they used to obtain my business. It is clear that they never intended to fulfill their end of the deal. They did not provide the services I was sold.
Product: Vehicle loan or lease

This company will like to you every set of the way!!! I financed a vehicle through them XX/XX/XXXX for XXXX by XX/XX/XXXX I totaled it. I had insurance and gap insurance on the vehicle which my insurance paid the XXXX by the end of XXXX. I was talking with them trying to get them to work with me because I had to purchase a new vehicle. They acted at first as if they were going to be helpful, but they weren't. I made what payments i could and in the end once they received all the insurance my it left me owning XXXX. I continued making payments they started calling even threatening to report to the credit agencies, which im like go ahead because im doing all i can and making payments. I spoke with another lady named XXXX around XXXX or XXXX about the account where i told her about the threats that were made as well as XXXX trying to make payments. She informed me that if i had the vehicle paid off in within 6 months of the accident that they would forgive all the late payments and take them off. Ok that's great!! She said it to me in XXXX different conversations we had that this would happen as long as i had it paid in full come XX/XX/XXXX. By XXXX they marked it as a charge off to which i called and asked why because i had been making payments, because at this point i only owed XXXX. I did not understand that at all since i had been communicating with them making payments, and they gave me a deadline to have it paid by. I had it paid in full prior to the end of XXXX they went in and changed my credit to paid, charged off which that wasn't what she said would happen. I called which i talked to a different lady who informed me they cant change credit reports, and i'm like I know what XXXX told me on the phone more than once and y'all need to pull those tapes. These companies sit up here and lie every set of the way and don't hold up their end of the bargain even though i did mines and had the account paid off in the amount of time they told me.
Product: Credit reporting, credit repair services, or other personal consumer reports

We took a 6-month forbearance in XXXX through XXXXXXXX XXXX Immediately upon the end of the forebearance, we negotiated a loan modification to include the amount owed rolled into a new loan at a higher interest rate ( of course ). During the end of this loan modification process, Carrington bought our loan and has not updated our our account with the signed loan modification - even though we have provided the signed modification that is currently on our XXXXXXXX XXXX account website, along with our payment history. We have not missed a payment. 

Carrington also has documentation of us honoring the terms of our loan modification on their website but said administrative issues have precluded them from transferring the modification and updating our account properly. 

I have a signed copy of our notarized modification, and both XXXX and Carrington have documentation showing we have met the terms of payment. 

We would like to sue Carrington and XXXX for mishandling our loan modification and causing harm to our credit report and livelihoods.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I disputed these items last month. When I pulled my new credit report today on XX/XX/2021 these items was previously deleted, and now re-inserted my credit report. You did not notify me within XXXX business days that it was re-inserted on my credit report and because of this section FCRA XXXX violation, the account needs to be removed.Send a new credit report to me showing this deletion. 

Thank You, XXXX. Validate Account U S DEPT OF EDXXXX Account Number : XXXX Please delete it from my credit report immediately XXXX. Validate Account U S DEPT OF EDXXXX Account Number : XXXX Please delete it from my credit report immediately XXXX. Validate Account U S DEPT OF EDXXXX Account Number : XXXX Please delete it from my credit report immediately XXXX. Validate Account U S DEPT OF ED/XXXX Account Number : XXXX Please delete it from my credit report immediately
Product: Credit card

Im victim of identity theft. Someone used my information to apply for Capitol One silver credit card. On XXXX XXXX, I received email from Capitol one asking for my driver license. I immediately call Capitol customer services to report that this is a Fraud and I DID NOT apply for credit card at Capitol one. 

I talked to Customer service agency and their fraud department, ensuring that nothing is open under my name. They told me fraud department will close it out my case however, I never received email from Capitol one saying that that fraudulent credit card application was closed. And I called again today use my SSN to check the fraudulent application status, it still shows active and pending approval from Capitol one. 

I Asked Capitol One to cancel the application under my name and ssn immediately and report it to fraud department.
Product: Debt collection

See attached documentation. I have reached out to Portfolio Recovery Associates via email on XX/XX/year> and XXXX, 2024 and have not received a response. It is clear that Portfolio Recovery has assumed the role of holder in due course. I do believe this is a misrepresentation of the account as Portfolio Recovery Associates has not responded at all. I am also requiring clear documentation of Portfolio Recovery Associates legal title. The Fair Debt Collection Practices Act defines a debt collector as only private people, not an agent on behalf of anyone.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX regarding their violation on XX/XX/year> of the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S.C. 1692c ( c ). I believe that their actions in attempting to collect an alleged debt from me are unlawful and request the CFPB to investigate this matter promptly.