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

Per the Fair Credit Reporting Act, the listed accounts should not be furnished on my consumer report as they are in violation of 15 US code 1681-B in general subject to subsection C, which states ; Any consumer reporting agency may furnish a consumer report under the following circumstances and no other, by the written instruction of the consumer to whom it relates. These listed companies never received my written instructions to report anything on my consumer report which now violates my rights as a federally protected consumer. Lastly, 15 USC 1681-4 also states reporting agencies have assumed A vital role in assembling and reevaluating consumer credit and other information on consumers. Therefore, there is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness impartiality, and respect for consumers ' rights to privacy. I'm demanding the removal of these listed accounts. 
ADDITIONAL UNAUTHORIZED INQUIRIES : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX N/A XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Payday loan, title loan, or personal loan

I applied for a loan on XX/XX/XXXX through XXXX XXXX XXXX to have work done on a window and door replacement. The loan was financed through Service Finance Company , LLC. 

The loan account was opened XX/XX/XXXX, and I immediately authorized a check for the full amount of the loan XXXX {$6800.00} XXXX. It was delivered on XX/XX/XXXX. I was told verbally payment is due XX/XX/XXXX, and that it was not an interest free loan. I was essentially under the impression that if I didn't pay in full by XX/XX/XXXX, I would start to accrue interest. 

Today, XX/XX/XXXX, I called to make sure the Service Finance Company , LLC received the check. They said that they received the check XX/XX/XXXX, but that I still owe interest on it. 

I was confused, as I had paid the loan in full before the due date ... so I inquired into exactly WHAT interest. Daily interest accruing during those 7 days, they said. XXXX XXXX. No one had informed me that interest was DAILY, but they said that this was stated in my contract. I was under the impression that interest was MONTHLY. 

Agitated, I went to pay this interest, totaling {$23.00}, with my debit card. They told me that they don't take cards, we need a check or your bank account. To get your account closed today, you need to give us your bank account and routing number. If you send us a check, you'll be charged more daily interest based on how long the check takes to get to us. 

But that's interest on the interest, I argued, NOT the loan. I didn't agree to pay interest on my interest, I agreed to pay interest on the LOAN, which was paid in full XX/XX/XXXX. I should NOT have to pay interest on interest. 

I was informed that that's just how it works. I proceeded to ask, " So the only way I can get this account closed TODAY is to give my bank account info? ". I was told yes. 

This seems like a giant red flag, since what legitimate company will not take debit cards for payment? According to the XXXX XXXX  website, this company has had plenty of interest related complaints as well, besides mine. 

I proceed to pay them over the phone. I ask the representative to confirm 3x over the recording to say that I DON'T OWE ANY MORE FROM THIS MOMENT ON AND THE ACCOUNT IS CLOSED. 

My complaint is regarding shady practices. Firstly, not being upfront about daily vs monthly interest ( burying it in the written contract & not in layman 's terms/easy to understand " it's daily interest '' ) ... secondly, charging interest on interest ... .and thirdly, only taking bank account numbers+routing numbers or checks as payment. 

I am also worried about two things : XXXX that they will try to accrue more interest from me ( that they themselves have stated today, XX/XX/XXXX that I do not owe anything more to them XXXX due to the processing time on their end of my payment. 

XXXX that they will fraudulently continue to debit my account regarding false interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Adjust agreed to delete my account once paid in full they did not delete my account they just updated my account paid in full that was not part of the agreement once I did a pay to delete I want this account removed from my credit profile soon as possible I am trying to buy a house if I cant get it removed here I will file a complaint with XXXX  if unsuccessful Ill take it to court and sue to get it removed its paid in full so just removed it please
Product: Vehicle loan or lease

I am the consumer, the natural person and original creditor as pursuant to 15 usc 1602g .CARMAX has violated my federally protected consumer rights, knowingly and willingly giving false and inaccurate information as pursuant to 15 usc 1611 ( 1 ) in connection with a consumer credit transaction and the consumer credit transaction application. I am the consumer, the natural person and original creditor it is my right to extend credit as pursuant to 15 usc 1602 ( f ) CARMAX unlawfully again violated my federally protected consumer right .As pursuant to 1605 ( a ) the finance charge does not include charges of a type payable in a comparable cash transaction.And yet CARMAX furnished deceptive forms as pursuant to 15 usc 1692 ( j ) to create a false belief that a person other than me, the natural person the original creditor would be participating in collection of an alleged debt .And presented the forms to me as " finance options '' stating that I the consumer the original creditor needed to make a downpayment, in order to exercise my right and extend credit. CARMAX unlawfully discriminated against me as pursuant to 1691 ( a ) ( 3 ) when I was denied my right to extend credit as pursuant to 1602 ( f ) without a cash down payment. I have sent an affidavit certified mail along with Exhibits and a invoice. I can't believe this type of direct disregard for my federally protected consumer rights has taken place.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

still waiting for the response for the letter i sent you on XX/XX/2021. I have been disputing these inaccurate accounts on my report because Im trying to get something for my family but your negligence just won't let me do so, I think i need to take this to the next level, I think the only way you'll take this seriously is when i seek legal help and that's what I'm about to do. for the last time i would ask you to investigate these errors because i know it is my right!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. Credit reporting agencies have assumed a vital role to report accurate Consumer information.The credit bureaus stated my account was properly investigated, but how was that possible if there are inaccuracy with dates and balance amounts and address for Creditor XXXX XXXX XXXX. 

This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 USC 1681 section 602 states I have the right to privacy 15 US C1681 section 604 a section 2 it also states, a consumer reporting agency can not furnish an account without my written instructions USC 1681C85 section states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of convictions of crimes, which antedates the report by more than seven years 15 USC 1681S ( 2A ) 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. 

Also, XXXX credit bureau took more than 30 days to complete my previous investigation with this manor
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters several months ago to XXXX, Experian and XXXX  about inquiries I never ever sign for that's on my credit report. There has not been no response. I was told by an attorney the credit bureaus is not out to help you they are there to make money and make sure your score stays low. I am not sure how true that statement is but I have not received a response and the inquiries are still on my report. 

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. Georgia XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX   XXXX XXXX, XXXX
Product: Debt collection

We moved out of our apartment in XXXX. We left the apartment immaculate, even cleaning behind the oven and vacuuming our way out of the apartment. 

Several weeks later the apartment management presented us with a bill for " repairs '' that was full of mistakes and most of the items included were false and/or in violation of the Texas Property Code. In other words, almost all the charges were for things we either did n't owe or were for things that they could not charge for by law. 

We attempted to resolve with the apartment management, but they refused to remove the wrong / illegal items. Instead they sent it to collections. 

This is causing us serious financial and XXXX. We are in the process of closing on a house and the closing is held up because of the disputed collection on our credit report. Additionally, this is causing us to incur higher interest rates and fees and will cost us thousands of dollars. 

The collections agency filed a collection on our credit reports. We have attempted to resolve via the proper channels : XXXX/XXXX/XXXX : we sent letters to the XXXX credit bureaus per the FCRA to dispute the information and request them to validate the data. All XXXX responded that they investigated and that the creditor says it was valid. When called to discuss, the credit bureaus said " you need to have the collection agency remove. We just ask them if it is valid. '' XXXX/XXXX/XXXX : we sent a letter to the collection agency per the FCRA and FDCPA asking them to validate the data. They replied that the creditor said it was valid and sent us copies of the lease and the form showing the illegal/wrong charges. They provided no proof. 

XXXX/XXXX/XXXX : we sent a letter to the collection agency per the FCRA and FDCPA stating that what they provided was not proof. It also clearly stated what was incorrect or illegally reported, and requested they remove the improper charges and remove the collection from my credit reports. They replied on XXXX/XXXX/XXXX that the creditor contends the charges were valid and resent the same information from their previous letter. No proof was supplied. 

XXXX/XXXX/XXXX : we sent a letter to the XXXX credit bureaus per the FCRA to inform them that we asked the collection agency to validate the debt and remove if incorrect, and that the collection agency could not do this. We requested they remove the collection or we would file a complaint with the FTC and/or pursue legal action.
Product: Debt collection

Alliance Collections has not provided me proof of validation for the accounts listed below : Account # XXXX for {$680.00} Account # XXXX for {$250.00} Account # XXXX for {$220.00}
Product: Credit card

I have already had b of a credit cards and they closed an account without my written consent and I Never consented to closing the account. I need the closed accounts and credit cards reopened immediately. I will be sending the IRS a 3949a form and the 211.

I also asked that Bank of America send me all my history of accounts and all the statements for all my accounts with Bank of America. I also asked that they add my daughter, XXXX XXXX, on ALL my Accounts and Credit accounts. I demand that B of A reopen my credit lines as I am the owner of the account and for every account I have, there's interest and equity inside the applications and the accounts. These Bank of America Managers are not doing as I ask and I am in need of these accounts to be opened and all my accounts need to have a limit increase immediately.

I applied and granted access to my Security accounts and I have proof that bank of america has already been paid and they are committing securities fraud and I can not be denied access to my own right to credit, which is discrimination and they are in violation of the Equal Credit Opportunities Act and the consumer credit protection act. I need Bank of America to apply my instructions as the tender of payment to the account as I am the owner of the account and I can not be denied access to my right to credit. All accounts are all prepaid, The law says NOTHING about I have to repay... So, I have accepted the the rights, titles, interest, equity owed to my principal, which I am the agent on behalf of. The banks are the Borrower, not the lender. If the bank did not have my registered security and I am the collateral too, then they would never have been able to access my credit account held at the treasury and the federal reserve window on my behalf.

I demand that they open my security account and give me my benefits and my run back my interest 12 usc 1431. The federal reserve agent shall ( means Must ) make an advancement at the federal reserve bank window for the amount I applied for on an open ended credit plan as I am the one who created the money and they are the fiduciary of my account and they are OBLIGATED to perform and I am being damaged as these applications/ contracts are not being performed properly. The application is the promissory note, so return my interest to me and I am entitled to the benefits for the bank using my registered securities. 18 USC 8 ALL debts public and private are the obligation of the United States ( Principal ).

I can not be the Creditor and the debtor. The principal is the Consumer and the borrower is the bank. CFPB, make sure they do their job and I am expecting that they reconsider and do their duty and make sure the benefits are to me. Federal Reserve Act section 16 part one and two. There is no reason and no event can Bank of America Judge me off my credit score. This is directly from congress. FOLLOW THE LAW.
Product: Debt collection

XXXX   XXXX  - {$480.00} I was insured during  XXXX    XXXX    XXXX  - {$520.00} I was insured during   XXXX   XXXX     XXXX   XXXX  - {$650.00} I was insured during   XXXX   XXXX     XXXX   XXXX  - {$2400.00} I was insured during   XXXX   XXXX   XXXX     Affiliated Management- {$200.00} I was insured during   XXXX   XXXX   XXXX   Affiliated Management- {$120.00} I was insured during   XXXX   XXXX   Affiliated Management- {$240.00} I was insured during   XXXX   XXXX   Affiliated Management- {$530.00} I was insured during   XXXX   XXXX
Product: Debt collection

Spoke with Midland Credit Management back in XXXX and was going to work with them. Gave them a date that I would get back in touch with them ( was within a week ) and they continued to call me 3 -  5 times a day until that date. On that date I informed them to stop calling me as it was interrupting my work and daily life. 

Afterwards the calls picked up. I get calls anywhere from XXXX to XXXX CST 7 days a week. Currently I have blocked over 30 phone numbers that Midland has used to call me. Many of these numbers are not active so I suspect they are spoofing their caller ID. 

This is beyond harassment and is very unprofessional. I could understand if they called once a day Mon- Fri but as I stated I have blocked over 30 numbers belonging to them and those are just the ones that I blocked. I keep records of every call that they make to include date and time. 

I wish to handle this without litigating matters but if it comes down to it I will do what I have to do.
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a charge to my Suntrust debit card ending in XXXX in the amount of XXXX. The charge was for a ticket purchase for XXXX XXXX, and the payment was transacted through XXXX XXXX on the same day. I received a confirmation email on XX/XX/XXXX from XXXX XXXX that my order was placed and received my tickets via email on the same day. 

On XX/XX/XXXX, I was advised the show concert was cancelled, however, I should hold on to the tickets and I would be notiified when the concert was rescheduled. 

On XX/XX/XXXX, I received a email from XXXX  XXXX  advising the concert was cancelled and I would receive my refund through the original purchaser, Pay Pal or XXXX XXXX. 

On XX/XX/XXXX, I replied back to the XXXX XXXX email advising them that my debit card ending in XXXX had expired and to provide guidance around what would be the next steps. To date, I have not recieved a response. 

On XX/XX/XXXX, I received a email from XXXX XXXX that the concert was cancelled and " my refund was processed to the original method of payment used attime of purchase on XX/XX/XXXX. You should see this post to youraccount within the next XXXX business days. Refund details, includingwhich method of payment has been refunded, and the amount refundedcan be found by logging into your XXXX online account andclicking on your order. '' I have made attempts to remediate these issues with XXXX XXXX, XXXX XXXX and Suntrust ( now Truist ). Suntrust advised me that they were unable to locate the transaction, hence, I would not be able to dispute it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX # XXXX, has violated my rights. 
ACCOUNT NAME : XXXX XXXX # XXXX, has violated my rights. 
ACCOUNT NAME : XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX # XXXX, has violated my rights Account name : XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX # XXXX has violated my rights This information is not only inaccurate but an extreme hindrance on my current journey. This is preventing me from getting a new credit card, qualifying for a new home or car purchase for myself and my family, as well as not allowing me to qualify for funding on my current business endeavor. 

15 USC 1681 section 602A states I have a right to privacy.

15 USC 1681 section 604 A : also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions, of crimes which antedates the report by more than 7 years.

15 USC 1681 s-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

I've been calling transition every day this week and I also sent in letters, a FTC report, my ID, and social security card to them stating that there are 3 inquires on my report that I don't recognize. I tried to dispute them and they gave me a hard time. Representatives would hang up on me majority of the time. I would like these inquiries removed as soon as possible because they are effecting my report. 

The inquires are XXXX XXXX XX/XX/2023, XXXX  XXXX XXXX XX/XX/2023, and XXXX XXXX  XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Wells Fargo dealer services account was open. 
Driver license and social card was stolen someone used information to open up bank accounts, XXXX XXXX, XXXX, XXXX XXXX. Cellular phone companies XXXX, XXXX XXXX XXXX and many other pay day loans online