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

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company failed to provide adequate notice, as required by law, which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform me about the Cost of Credit, and the only evidence of the indebtedness provided was just a computer-generated agreement.

According to 15 USC 1802 ( K ), the term " adequate notice '' means a printed notice to me that sets forth the pertinent facts clearly and conspicuously, ensuring that a person could reasonably be expected to have noticed it and understood its meaning. Such notice could have been given to me by printing the notice on each periodic statement of account issued to me, or by any other means reasonably assuring the receipt thereof by the account holder.

Since adequate notice was not provided as per the above-mentioned section, I was unable to understand its meaning, constituting a violation under 15 USC 1602 ( k ).

Furthermore, pursuant to 15 USC 1601 ( a ), a consumer must be aware of the cost of the transaction. Since I was not made aware of the transaction, I made an uninformed decision which resulted in multiple billing errors and unfair credit card practices. 
As per 15 USC 1602 ( p ), I have not benefited from this transaction, which is again a violation. The term " unauthorized use '' as defined by 15 USC 1602 ( p ), refers to a use of an account by a person other than the account holder who does not have actual, implied, or apparent authority for such use and from which the consumer receives no benefit. 
I hereby request the following : DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT USING 15 USC 1692G ( 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNVFUNDG XXXX XXXX XXXX XXXX XXXX XXXX  ALSO UPDATE THE LATE PAYMENTS FOR DPEDXXXX XXXX XXXX  TO PAID ON TIME If you accept my request, I will not escalate this matter to Federal Court. However, if you do not accept the above requests, legal action shall be taken against your Company for compensatory damages. 
Thank you for your attention to this matter. 

Sincerely, : XXXX XXXX XXXX. 

All Rights Reserved Without Prejudice UCC 1-308
Product: Debt collection

Debt paid in full on XX/XX/23 in the amount of {$830.00}. I have asked company to update this information.
Product: Debt collection

I contacted XXXX XXXX XXXX on multiple ocassions. I have repeatedly told them this is not a personal debt it is a debt covered by Workers compensation because it was a result of an injury from work. Ive provided them with the correct information for them to bill Workers Compensation but they are refusing to bill. Ive called the office where the services were rendered to me and they said in their system workers compensation did cover that bill. I dont know why they keep putting it on my credit ... its starting to upset me the bill has been paid and Im tired of seeing them put it on my credit
Product: Credit card or prepaid card

I NEVER REQUESTED MY ACCOUNT TO BE CANCELLED!!! 

I contacted AppleCard on XX/XX/2023 because my card was declining, I spoke with an agent who helped verify the transaction and continued to use my card. 

However I went to use it today and it declined. 

I called and AppleCard is saying I closed it?! 

Thats not true!! Please listen to our calls!!
Product: Credit reporting or other personal consumer reports

XXXX was reported in my credit reportlatte payment in Experian, XXXX and XXXX .. this is a mistake because this account was pay off for XXXX XXXXXXXX to XXXX XXXX on XXXX
Product: Debt collection

I reached out to IC System Inc. to dispute the debt issued by XXXX and they suggested that they could settle the debt and negotiated two prices one for approximately {$300.00} and another for approximately {$180.00} which where I declined both. I did provide in writing to the agency that I could return the modem box to XXXX in place of the debt being owed before the collection date of XXXX IC System did not attempt to reach out to me to confirm if the request was accepted or denied in order to stop the debt. Instead, they collected anyway. I also have reason to believe that they did not contact XXXX to negotiate terms of settlement. They assured me that they disputed the debt in their system but XXXX has to agree to the dispute. Communication with both the agency and XXXX has not been resolved.
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 consumer 's right XXXX privacy. '' XXXX and XXXX 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 ON customers ' nonpublic personal information. '' Avant 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. '' Avant the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Avant whether it be verbal, non-verbal, written, implied be otherwise is revoked. XXXX5 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. '' Avant 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 1681s-2 ( 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 XXXX XXXX XXXX. 15 U.S.Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681e of this title and and to to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX 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 your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my Equifax credit report are fraudulent and unauthorized : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX XXXX The credit inquiries arent my credit inquiries. They are all fraudulent and unauthorized.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Request for Removal of Unverifiable Account from Credit Report Dear Sir/Madam , I am writing to formally request that the credit reporting agencies ( CRAs ) immediately remove the account listed as a charge-off from my credit report, which was reported by XXXX XXXX. This account has been deleted from my XXXX credit report following a dispute I filed and which was completed on XX/XX/year>. XXXX has verified that the account is no longer reported, and I am requesting that all other CRAs do the same, in accordance with the law. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information on my credit report that is inaccurate, incomplete, or unverifiable. As XXXX has deleted this account due to its unverifiable nature, it stands that the other CRAs must also verify or delete the account. The FCRA mandates that credit reporting agencies conduct a reasonable investigation and only report accurate information. Since XXXX has determined that this account can not be verified and has deleted it, I am requesting the same be done by your agency. 

In addition, I would like to bring to your attention the following relevant consumer laws that protect me as a consumer : 1. **Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681** : The FCRA mandates that all information reported to credit reporting agencies must be accurate, complete, and verifiable. If an account is found to be unverifiable, it must be removed from the report.

2. **FCRA Section 1681i** : If any information on my credit report is found to be inaccurate or incomplete and can not be verified, it must be deleted within a reasonable period. 

3. **Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692** : This act protects consumers from unfair debt collection practices and ensures that only accurate information is reported and retained.

I am requesting that you review my file and remove the unverifiable account from my credit report within 30 days from the date of this letter. If this issue is not resolved in the prescribed time frame, I will not hesitate to pursue legal remedies available under the FCRA and FDCPA, including filing complaints with the CFPB, the Federal Trade Commission ( FTC ), and seeking legal action for damages caused by the inaccurate reporting. 

Please provide me with written confirmation of the accounts removal from my credit report within 30 days. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Mortgage

Since XX/XX/XXXX, I have struggled with Ocwen changing the terms of my loan so that they were taking money from my escrow account. They force-placed home insurance on the property even though I had my own homeowner 's policy in effect with XXXX XXXX. I have called so many times that I can not tell you how many times. I have paid to meet with an attorney about this. I wrote several letters to Ocwen and I called Ocwen several times. Everyone I spoke with at Ocwen was very aggressive. I now have a homeowner 's policy with XXXX XXXX XXXX XXXX XXXX XXXX. I never had my home insurance lapse. Yet Ocwen billed {$590.00} per year to the escrow. I have also paid my own property tax in XX/XX/XXXX and yet Ocwen paid the taxes from escrow. My entire experience has been a nightmare.
Product: Credit card or prepaid card

I submitted an application for SoFi Credit Card through the link ( XXXX  : XXXX ), which clearly showed earning {$200.00} bonus when spending {$1500.00} in the first three months of account opening. My application was approved on XX/XX/2022. I spent more than {$1500.00} with the credit card and has not yet received the bonus. I contacted SoFi customer service and was told by email that my credit card account was not eligible for the promotion bonus.
Product: Student loan

My original payment was set at {$50.00} around XX/XX/XXXX. I called to get my limit raised to {$190.00} since I can afford more to autopay each month. Each month only {$0.00} comes out. I 've called since this first happened in XX/XX/XXXX and Navient said the next payment should be {$190.00}, but that has yet to happen. I 've ended up paying more interest than I would have if I my autopay could actually take the correct about of money out.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I disputed the account. In XX/XX/XXXX I have talked to Capital One Auto Finance dispute office. I have filed several disputes and received no response. 
I did not make any late payments and this company reported my Capital One Auto Finance report late since XX/XX/XXXX. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company is also not allowing me to exercise my experiences which is violating pursuant to 15 USC 1681a 2.
Product: Credit reporting or other personal consumer reports

Never gave Experian the right to house any rental information. Information is incorrect and want it removed immediately.
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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

On XX/XX/XXXX, I upgraded my credit card at Chase and wanted to close my old credit card with them. Unfortunately, it refused to close so I went into a Chase store branch in XXXX to close it in person. The service manger helped close the account but I was charged a late fee and the credit card reopened and I just found out about this in XX/XX/XXXX when I noticed I had a Delinquency Report on my account and my Credit Score dropped almost 100 points. I went back to the store again to fix this problem and they said that a merchant continued to charge that account and it reopened the closed account which doesn't make sense. How can a merchant reopen a closed account without the account holder 's permission. Chase claims they are not responsible for this mistake because there was nothing wrong with their system. Additionally, I had the account on auto pay as well so there shouldn't have even been any missing payments to begin with. I hope you can help me resolve this issue.
Product: Checking or savings account

My new telephone number is XXXX. On XX/XX/25 I put my ssdi money in my Bank of America checking account to pay all my bills. I checked on XX/XX/25 and account stated a debit card/ hold of XXXX from a legal order XXXX and XX/XX/25 all of my deposits was gone stating XXXX balance. Please help. The third party whose name is XXXX XXXX telephone number XXXX have information on what happened to my checking account funds. Thank you for helping me
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX XX/XX/XXXX, I applied for an auto loan and the dealership stated that they were going to submit my credit profile to XXXX XXXX XXXX XXXX. I recently reviewed my credit profile and saw the following unauthorized inquiries on my profile : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX On or about XXXX XX/XX/XXXX, I applied for an auto loan and the dealership stated that they were going to submit my credit profile to XXXX XXXX XXXX. I recently reviewed my credit profile and saw the following unauthorized inquiries on my profile : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX unauthorized inquiries on XXXX XX/XX/XXXX : -XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed inaccurate information & infomation is still on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for credit repair with XXXX XXXX XXXX XXXX who was discovered to be a fraudulent credit repair service. XXXX XXXX XXXX charged me a total of {$800.00} of which a {$400.00} deposit was paid to XXXX XXXX via XXXX, and the remaining balance of {$400.00} was to be paid monthly to the company Denefits. Although I advised the company Denefits that XXXX XXXX XXXX XXXX and XXXX XXXX both were found to be fraudulent and a scam company they are refusing to end the contract, have placed this tradeline on my credit report and are continuing to report this item as delinquent on my credit file. They continue to harrass me every week trying to collect the remainder of the balance owed although they themselves are unable to reach XXXX XXXX or her company XXXX XXXX XXXX.
Product: Checking or savings account

Ive had fraud happen to me many times. Stating im married when im actualmente single. THE DEPARTMENT OF EDD TRIED USING MY INFORMATION ON THEIR BEHALF. THEY EVEN SAHRED AND EXPOSED MY INFORMATION. IVE LET THEM KNOW ON THAT MATTER AND THEY HAVENT DONE ANYTHING ABOUT IT.
Product: Vehicle loan or lease

I was pre-approved for a new car loan XX/XX/XXXX. We shopped around, found a car, ordered it. I called USAA on XX/XX/23 to make changes to the term of the loan ( Change from 60 months to 72 months ). I was assured that this change was notated and when the loan was funded, it would be the 72 month term. We received the car on XX/XX/23, and the dealership filled out USAA 's request for funding. When the loan showed up in my account a few days later, it was for 60 months. I spoke to XXXX on the app 's chat feature, who couldn't help me over chat, so I called USAA on XX/XX/23 to attempt to resolve the situation. I spoke with " XXXX '', a " lending XXXX ''. Even though they see my loan account notated, I was told that someone made an error and ignored or did not see the notation. XXXX attempted to get the issue fixed, but the under-writer said no. The only way for me to " fix '' it is by re-financing. I should not have to jump through extra hoops because of someone else failing.
Product: Vehicle loan or lease

Car was totaled and paid off by insurance months before acct was closed continued to say I owed after loan was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX ( duplicate on my credit report ), XXXX XXXX  ( duplicate on my credit report ), XXXX XXXX XXXX ( duplicate on my credit report ) XXXX XXXX XXXX ( showing duplicate on my credit report ), XXXX XXXX ( multiple entries on my credit report ), XXXX XXXX XXXX XXXX ( multiple entries on my credit report ), XXXX XXXX  ( showing multiple entries on my credit report ), XXXX XXXX XXXX XXXX XXXX XXXX  ( showing duplicate on my credit report ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( showing duplicate on my credit report ), and Chapter XXXX  Bankruptcy XXXX
Product: Checking or savings account

I try to open many banks accounts but I can't my stuff been hacked
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. 
Credit collection Service : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Student loan

I applied for the XXXX plan and was directed by MOHELA to call ever XXXX  months to request forbearance. My loan is in processing until further notice due to legislation. I am attempting to call MOHELA as directed and have been on hold for XXXX hours waiting to speak with a representative. No call back option was offered. At this time I have still not spoken to a representative.
Product: Credit reporting or other personal consumer reports

I am challenging and requesting a thorough investigation of the inaccurate accounts on my credit report. The XXXX Credit Report XXXX stipulates that I should receive {$1000.00} for each error. FCRA 605B mandates the reporting of any incorrect information on a consumer 's file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from XXXX, EQUIFAX, XXXX. 

They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681 ( 7 ). Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Exeter Fin is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Product: Vehicle loan or lease

WHY ARE YOU REPORTING THIS INACCURATE INFORMATION? THE BALANCE ON THIS ACCOUNT IS {$0.00} MEANING THERE AREN'T AN OBLIGATION THAT'S DUE. THE BALANCE WAS PAID OFF OVER 10 YEARS AGO. THIS INACCURATE INFORMATION IS DEFAMATION OF MY CHARACTER.The obligation was paid theres no need to have inaccurate information reporting especially when the obligation has met these types of things destroy a person 's life and character. 


THIS ACCOUNT SHOULDN'T BE LISTED AS DEROGATORY WHEN THE BALANCE AND {$0.00} AND NOTHING WAS NEVER OWED ON THIS ACCOUNT DELETE THIS INACCURATE INFORMATION. 
WHY ARE YOU ALLOWING A SCAMMER TO RUIN MY LIFE AND YOU WONDER WHY ITS SUICIDE VICTIMS.
Product: Debt collection

I signed up for a membership online and it was supposed to be month to month. I ended up never going to the gym and called to tell them I wanted to cancel the membership because they keep trying to pull it from my account and I switched banks. And they said they couldnt cancel it that Id have to go to a gym to get more information. They have continuously harassed me after Ive never checked into that gym once and are now threatening to send me to collections. They call me all of the time - multiple times a week and its annoying because I e requested to cancel and Ive never even gone to the gym once.