23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I paid off the remaining balance, XXXX ish, on the XXXX of XX/XX/XXXX. In the capital one app under title it said The title was mailed to the appropriate part. Give time for the title to show in the mail. The app also said the title was mailed on the XXXX of XXXX XXXX 
I had moved from XXXXXXXX XXXX to XXXX XXXX.about 2 years ago. I had called and gave the company my new address. Now that the car is paid off they send the title to XXXX. Its been thee weeks and no title at either address. I called the post office in XXXX and spoke with the post mistress. She said that they would have sent it back because the house is vacant. The post mistress double checked and there was no mail for me nor my husband there at the post office. I called capital one again and they just transferred me from one person to another. When I got it someone to help me. She was not listening to what I was saying. She just repeated her scripted line. Capital one cant find my title and their solution is to send me a release form that I would have to clear up with XXXX XXXX  then Ill be able to license and title my car in XXXX. My car has not been licensed in XXXX years because capital one has not sent anything to me in XXXX  nor XXXX so that I can register my car. 
I paid off the car XXXX XXXX XXXX early the maturity date isnt unti XX/XX/XXXX and the still ruined my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

In accordance with the Fair Credit Reporting Act SYNCB/QVC has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting another CFPB complaint to you today to request the removal of the unauthorized inquiries being reported on my Credit File. My credit report contains a significant number of unauthorized inquiries, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to remove the following inquiries from my Credit report : XXXX XXXX Inquired on XX/XX/2022 XXXXXXXX XXXX Inquired on XX/XX/2022. I require you to send me copies or proof of verification or proof of ownership as a supporting document in the event you claim the disputed inquiries belong to me. Failure to provide these documents should result in the immediate removal of the disputed inquiries.
Product: Credit card or prepaid card

I applied for a Capital One QuickSilver credit card in XX/XX/2021 mainly because they offered {$200.00} cash back if I spent {$500.00} in 3 months. Also I thought it would be convenient since most of my banking is with Capital One. I spent more than {$500.00} in 3 months but was not given the {$200.00} cash back. When I inquired to the QuickSilver customer service, they said that they actually had 3 different QuickSilver credit cards and I was given one without the cashback feature. I was not informed of this. Also I have a credit score of over XXXX so I don't see why I was given an inferior card.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I sent out a letter to XXXX on XX/XX/XXXX and never received any response. I will disclose the letter below : Dear XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXX  on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from Westlake Service Inc on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXXXXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
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 confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, 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 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: Debt collection

Credit Acceptance has been violating my consumer rights under Federal law 15 US Code 1692.

They have called my phone more than 10 times, I have asked them to stop and they even tried to make me pay over the phone. They have tried to make me pay an alleged debt with multiple letter and not verifying the debt is mine. Also, I let them know that the character amount is in the positive and I can not pay something that is positive.
Product: Credit reporting or other personal consumer reports

XXXX experienced a major data breach which means everything on my consumer credit report was breached. Please remove these items from my Experian report due to inconsistent and inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + XXXX + XXXX + TransUnion, On a recent review of my credit report, I discovered XXXX XXXX XXXX XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature Statements from you and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. 

I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Attached to this complaint are : - copy of my drivers license - copy of my social security card - copy of my address - copy of the complaint
Product: Vehicle loan or lease

I had a loan with us auto sales and of course we all know they went out of business and transferred our information over to westlake. I was making payment to westlake until I noticed that my payment looked like I haven't even been paying on it and then I checked the loan term months with us auto sales that I had and it was only 65 months and then I check westlake and it's says that it's for 140 term months. Westlake is constantly blowing my phone up for payments. I checked their website and it's says a debt collecting company but when you XXXX westlake it says finance company. Which is it? I asked for my contract with them and I never received one 4 months now. This was my first car I purchased alone and I had no help, to be treated like this is crazy. I just want my title that's it, so I can wash my hands with this company. I think we all deserve our title and westlake and us auto sales can crawl out of a hole that they dug themselves not the customer and them. All the money I pay is going to interest, maybe that's why they make us pay twice a month and if it's 3 pay period in one month, guess what they make us pay all three times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't own capital card never had a credit card
Product: Debt collection

onsumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX, Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened At XXXX XXXX XXXX XXXX XXXX  under the account number XXXX an auto loan opened at XXXX XXXX auto on XXXX under the account number XXXX opened. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Subject : Urgent : Compliance Request Regarding Protection of Nonpublic Personal Information XXXX XXXX XXXX XXXX Dear To : WESTLAKE FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX trust this letter finds you well. My name is XXXX XXXX XXXX, and I am writing to you as a concerned consumer in light of the regulations outlined in U.S. Code Title 15, Chapter 94, Subchapter IDisclosure of Nonpublic Personal Information. As per 6801 ( a ), it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information. Furthermore, 6801 ( b ) mandates that relevant agencies establish standards for financial institutions to ensure the security and confidentiality of customer records and information. In this context, I kindly request that your company fully complies with the aforementioned regulations, particularly those stated in 6802 ( a ) and ( b ). These sections emphasize the notice requirements and opt-out provisions, which are crucial for safeguarding consumers ' nonpublic personal information. I also draw your attention to 6803, which requires financial institutions to provide clear and conspicuous disclosures of their policies and practices regarding the disclosure of nonpublic personal information to consumers. I urge your company to adhere to these disclosure requirements promptly. Ensuring compliance with these regulations is not only a legal obligation but also a vital step in building and maintaining trust with consumers. I appreciate your attention to this matter and request that you provide confirmation of your company 's compliance at your earliest convenience. Thank you for your prompt and diligent attention to this important consumer protection matter. Sincerely, XXXX XXXX XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX a call was placed to Experian membership services on a recorded line, and got transferred to the dispute department after verifying identity. Once the dispute introduced herself and got a description of the purpose of my call, which was to correct inaccurate information on my consumer report that resulted in a denial of an application with a FDIC insured financial institution. The specialist was able to help me with correcting my name and current, and only, mailable address. However, she was claims she was unable to remove the inquiries that do not have authorization to remain on my consumer report because there was either no extension of credit offered by the companies, or no account was opened after an application was submitted to the companies. 

I informed her that I would not accept her inability to rectify the problem and stated on the recorded line that on that day of XX/XX/XXXX I reached out to her employer to correct an error and left my personal number for her superiors to reach out if that wanted to avoid a formal complaint. This conversation may be requested from Experian. 

I am submitting this complaint on Friday XX/XX/XXXX and Experian is now in violation of 15 U.S. Code 1681 which states XXXX  " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. '' and 15 U.S. Code 1681b ( 3 ) Information Regarding Inquiries which states XXXX, " a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. '' and my federally protected consumer rights ; Experian should remove all inquiries that have no record of an account or extension of credit on my consumer credit report.
Product: Checking or savings account

American Express high yield savings account has frozen my account and will not tell me why. They have prohibited me from making transfers into or out of the account. I called them on XX/XX/year> after receiving an email to contact them about my account. When I spoke to customer service, they asked me to verify an outgoing transfer was valid/legitimate, which I confirmed. I was then told my account was in good standing and the problem was solved, however that is not the case. Yesterday I noticed several credit card payments and transfers being rejected from my Amex savings account, which caused late fees and overdraft fees. I was not told my account was frozen or why. American Express has refused to give me access to my bank account, or tell me how to fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Far CredIt Reporting act. The List of accounts below has

Violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

# XXXX, XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Illinois Child Support, # XXXX XXXXXXXX XXXX # XXXX XXXX, # XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, section 602a underscores the necessity for consumer reporting agencies to carry out their significant duties with fairness, impartiality, and a regard for the consumer 's entitlement to privacy. XXXX and XXXX, recognized as consumer reporting agencies, interface directly with consumers like me. I, as the consumer, possess the fundamental right to safeguard my private information from unwarranted sharing, as substantiated by 15 USC 6801, which underscores Congress 's stance that each financial institution bears an ongoing obligation to uphold the privacy of its clientele and safeguard the confidentiality of their nonpublic personal data.

Entities furnishing information to credit agencies are categorized as financial institutions under the aforementioned statute. Pertinently, 15 USC 1681, section 604a, subsection 2 outlines that consumer reporting agencies may solely furnish consumer reports in adherence to the explicit written directives of the concerned consumer. Both the financial institution, as the provider of information to credit agencies, and the consumer reporting agencies such as XXXX and XXXX, and TransUnion, do not possess my authorization to furnish this information, nor do they have my explicit written consent. Therefore, any consent previously extended to XXXX, XXXX, TransUnion, or other entities acting as furnishers of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 
Moreover, 15 USC 6802 ( b ) ( c ) dictates that a financial institution must not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is provided with a clear explanation of how they can exercise their right to non-disclosure. Regrettably, the financial institution in question failed to inform me of my right to exercise this option. Additionally, as per 15 USC 1681C ( a ) ( 5 ), no consumer reporting agency may include certain adverse items of information in a consumer report without proper authorization, a provision this account infringes upon. 
Under 15 U.S. Code 1681s2 ( A ) ( 1 ), entities are prohibited from furnishing inaccurate information to consumer reporting agencies, yet XXXX and XXXX continue to do so. Furthermore, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations of section 1681c and restrict the furnishing of consumer reports to the purposes specified under section 1681b, a requirement which XXXX and XXXX seem to neglect. 
Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any given time. Hence, I am formally exercising my right to opt out of your reporting services effective immediately.
Product: Credit reporting or other personal consumer reports

I am formally disputing the accounts and inquiries reported on my consumer credit file, as they are the result of fraud or a data breach. I demand verifiable proof, including my signature or electronic signature, for any alleged authorization. 

This letter is submitted personally, not through a third party, and I request that you review it carefully. I never authorized these actions, and their reporting constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) : Section 605B ( 15 U.S.C. 1681c-2 ) Requires the blocking of fraudulent or compromised information.

Section 604 ( 15 U.S.C. 1681b ) Governs permissible purposes for accessing consumer reports.

After contacting the reporting companies, I confirmed that these accounts and inquiries were added without proper validation or original proof. As I never authorized them, they are factually inaccurate and must be removed. The unauthorized reporting of my consumer information by creditors or third-party data furnishers is a direct violation of federal law. 

I request an immediate investigation and a written confirmation of the removal of these fraudulent items. Failure to comply may result in legal action to enforce my rights under the FCRA.