23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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

In response to CFPB complaint : XXXX In reference to the complaint request regarding a legitimate investigation provided by your company ; I am requesting, by law, to provide me with the investigation that your company did. I am requesting any contacts and ways that were in this investigation. After carefully reviewing your response, you have failed to prove that this fraudulent application is me. You or your company stated that, my signature doesnt match. If you investigated that my signature does not match your record you have no right to continue to collect on this collection. At this moment, I will be contacting the company with the response you have provided to me in your CFPB response. You have requested that I provide my drives license to your company, knowing that my identity was compromised. Yet you ask me to fax a copy of my drives license to your company. At this moment I am requesting any documents or any form of logs used to verify this application to be mailed to me or emailed to me. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Been a Victim of Identity Theft I did Not Authorize any of theses Account This Is Fraud and something needs to be done About This
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation/reinvestigation of information Ive disputed on my credit report ; therefore, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failure aligns with my experience, where Experian failed to correct or remove disputed items despite the overwhelming evidence Ive provided which resulted in ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts and information ; as Experians inaction violates federal law and my rights as a consumer.
Product: Debt collection

This company showed up on my credit report trying to report on a title loan through XXXX  XXXX from 2015. It reported as new. Title loans do not go on credit reports
Product: Checking or savings account

hello! 
I am writing to you since I have a couple of unacknowledged charges from you. The first is a transaction that did not take place and they made it VOID, but they charged me and the money was never returned to my card. The position is from XX/XX/2023. I didn't use the car, they generated the contract and 30 minutes later they canceled it. The record number is : XXXX. I would be very grateful if you would return my money please. 

XXXX And the second charge occurred last XX/XX/2023, I spoke because they had not renewed my contract and they charged me, the next day ( XX/XX/2023 ) they automatically charged me again. so they charged me double the same week. The contract with the record number is : XXXX, it lasts 5 weeks and they charged me with 7 charges. 6 for {$320.00} and 1 inexplicable for {$73.00} XXXX I appreciate your attention and I hope you can help me. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : This 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 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: Debt collection

I received a letter saying that I have an alleged debt, I wrote to them to validate the debt and they have not responded to me, there have been several attempts. I have rights and they are not respecting them. It's been more than 45 days and 2 validation attempts. 

XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account XXXX, has violated my rights.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXX/XX/XXXX
Product: Credit card

Credit card company increased minimum payment by almost 300 %. 
Card had no limit and we always paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed account balance showing XXXX in XX/XX/2022 also XX/XX/2022 as paid off. They have not removed this delinquent false information which is causing me to be denied for housing due to false information on my report reporting a balance that is not due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXXXXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX of XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The Department of Education and XXXX has violated multiple USC 's and Privacy Acts : The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education.

15 USC 6802-6805. I was never given the opportunity to opt out of reporting my information.

15 USC 1681 Permissible purposes of the consumer report. I have not given written instructions to produce a report on my behalf. 
15 USC 6801 Protection of Nonpublic Personal Information. My personal information being furnished has caused me damages and defamation of character.

16 CFR 313.4 Initial privacy notice to consumers required.
Product: Credit reporting or other personal consumer reports

I recently discovered multiple hard and soft inquiries on my credit report that I did not initiate, authorize or recognize. Specifically, there are two hard inquiries from different banks in cities where I have never resided or conducted any financial transactions. 

XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Contact Information : ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Contact Information : ( XXXX ) XXXX Background Information : I have never applied for a credit card or loan of any kind, and therefore, these inquiries are entirely unexpected and concerning to me. As I am actively trying to build my credit score, these unauthorized inquiries pose a significant obstacle. 

XXXX of Events : [ XX/XX/XXXX ] : Discovered multiple unauthorized hard and soft inquiries on my credit report. 
[ XX/XX/XXXX ] : Verified with TransUnion that I have never engaged in any financial transactions with the banks associated with the hard inquiries. 
[ XX/XX/XXXX ] : Conducted a thorough review of my financial records to ensure that I did not inadvertently initiate these inquiries. 
Actions Taken : Contacted TransUnion to address the unauthorized inquiries on my credit report. 
Due to the unexpected nature of these inquiries and my lack of involvement in any financial transactions associated with them, TransUnion has requested additional verification of my identity before taking further action.
Product: Student loan

During the summer of XXXX, I had XXXX XXXX payments and more coming due to the limited waiver. I consolidated my loans in XXXX and received XXXX letters from MOHELA, XXXX on XX/XX/XXXX that showed only XXXX qualifying payments and then the next day on XX/XX/XXXX, i received another letter with XXXX! 
MOHELA is mismanaging the XXXX program. I should have almost XXXX payments and now they are reporting XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REACH OUT TO XXXX MULTIPLE TIMES ASKING THEM TO REMOVE THESE OUTDATE INVALID ACCOUNTS. THE ACCOUNTS ARE REPORTING AS CHARGED OFF ACCOUNTS WITH AN ACCOUNT BALANCE AND THEY ARE OUTDATED - XXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

I received a payoff letter from XXXX XXXX XXXX XXXX. This is from a auto debt with creditor XXXX XXXX XXXX. The letter states that I have 30 days from the date listed on the letter to accept a payoff amount of XXXX. I spoke with a customer service rep named XXXX about the payoff amount and try to negotiate a lower amount. After several calls with her and her supervisor I made a payment with XXXX XXXX in the amount of XXXX and setup a payment arrangement for the balance of XXXX. This balance would be paid over 6 months in the amount of XXXX. I was told that an email would be sent with a confirmation of payment as well as the payment arrangement we setup. Unfortunately, after XXXX hours I never received an email so I called back spoke with XXXX. He informed me that the payment arrangement made could not be honored per his supervisor and I had to pay full payoff amount. I stated to XXXX that we had a verbal contract the company 's pre-recorded conversation. Which legally bines them to the payment arrangement made between XXXX XXXX and XXXX. As of XX/XX/XXXX this organization has report a balance of XXXX owe to the credit bureau. Please advise if you are able to assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX Balance : {$31000.00} ; XXXX XXXX Balance XXXX {$3100.00} ; XXXX XXXX XXXX : {$1400.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX
Product: Checking or savings account

I found a charge while on my XXXX XXXXXXXX XXXX XXXX XXXX XXXX online banking portal that states as follows : XXXX XXXX XXXX  XXXXXXXX XXXX  Transfer To XXXX XXXX VA XXXX XXXX in the amount of {$250.00} that I did NOT authorize. 

I am not in the XXXX, and have no family in the XXXX which apparently, is the only way to have an account with them in the first place. 

I called XXXX XXXX XXXX  and of course, they said they'll do an investigation that can and WILL ( in my opinion ) take the entire 90 days to investigate an obvious scam. I then decided to call the source of this {$250.00} unauthorized charge, and while looking up their phone number, I was shocked to see nothing but headlines regarding class action lawsuits against this Navy Federal Credit Union for taking money that did not belong to them. I then placed the call with them and was disgusted by the man on the other line who was of no help whatsoever. He was very rude, & told me that he had no way of seeing the charge because I am not a member. To which I replied, " So, how did you take {$250.00} from me? '' To which he replied, " I don't know. '' At the end of the day, I did NOT AUTHORIZE the charge and have never even heard of them before all of this happened. 

Lastly, I think the ridiculous amount of headlines speaking of lawsuits and complaints against this firm as recent as this year is extremely telling. I truly need help as I've never felt so desperate and screwed over. I've been sitting here in tears because my bank, XXXX XXXX XXXX XXXX XXXX XXXX is absolutely no help whatsoever, and NO ONE will tell me anything regarding this fraudulent charge while simultaneously acting like " their hands are tied '' and there's nothing they can do to stop it or correct it. 

This entire situation has put me in a financial hole that I won't be able to dig myself out of, and it's not even any fault of my own. 

PLEASE HELP! ANYONE??! 

I would be so grateful, truly. XXXX XXXX
Product: Checking or savings account

Following XXXX XXXX XXXX  acquisition of my bank ( XXXX ), we have had at several instances where the Bill Pay system adjusted the payment amount without our knowledge or consent. We updated our mortgage payment to reflect a recent escrow increase and, following a few payments, the amount reverted back to the prior amount. This happened at least twice leaving us with a mess in trying to repair the damage done to our credit. As of late, our HOA dues which have been in place for several years, simply ceased. We have been clients for over 20 years and I can only imagine the number of individuals to whom this is also happening.
Product: Credit card or prepaid card

A fraudulent transaction of {$950.00} was made on my Chase Amazon credit card on XX/XX/2020 at a XXXX store. I immediately reported this to Chase. They sent me a replacement card and investigated the claim. However, they notified me that they were considering the transaction to be valid since it was a card present transaction at an in-person store. They did not seem to have considered the possibility of a counterfeit card. I have been outside of the United States during the entire Covid-19 pandemic, and the only card on the account has been in my possession the entire time - and I still have it. I sent them photos of the card and told them that I could provide any proof they felt appropriate that I have been outside of the country. I have sent examples of in-person purchases in another country, and I can provide any other evidence they might request. I have called several times but have been told to wait. On XX/XX/XXXX, they deducted payment from my bank account for the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not even licensed in my state to collect anything at all. I will be contacting the AG of their state as well as mine.

Pursuant to 15 USC 1692 ( c ) ( 2 ) - I am involking my specified remedy as a consumer and the original creditor I am demanding all of the following : XXXX out the balance on this account Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$1400.00} {$2200.00} {$1100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -ACCOUNTS- 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1400.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2200.00} -This is not my account. 

3. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1100.00} -This is not my account. 


I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity.

Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 









Sincerely, XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, Utility Bills, Police Report.
Product: Checking or savings account

Okay I went into the Wells Fargo branch on XXXX XXXX in XXXX Virginia to withdrawal cash that I had received through the XXXX app so I was going to put the money back in my account to get a cashier 's check and they proceeded to tell me they embarrass me in front of everybody but say that I was being scammed and proceeded and I kept saying I'm not being scammed they proceeded to tell me I was being scammed okay and then they freeze my account put a hard hold on it for I can not access any money or anything and tell me that people have requested a refund because it was an unauthorized use of the XXXX app which I got no documentation or proof of and this has been going on 3 weeks now my account was supposed to close yesterday on the XXXX I have not paid my rent because of this I got an eviction notice because of this and they're telling me they're going to keep it open until XX/XX/XXXX in case there's more people there wasn't but three transactions done Wells Fargo this is the second time I've dealt with these people the first time they did the same thing to me same back thing same issue and I think they are to be held accountable because first of all no proof of anything they can't give me no proof I can't even go in the bank and tried to get in my account no longer allowed to have online access you know my rent was due on the XXXX of this month and today is the XXXX and I got an eviction notice because of this that money belongs to me fair and square and they need to pay me my money let me have my money because all this is false accusations and I want something to be done I'm tired of Wells Fargo treating people like this I'm not the only one that's been done like this
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to access my free credit report. I have not been able to get access for several years and I am concerned about what may be occurring. I need help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - you are required to promptly delete all information which can not be verified ''
Product: Checking or savings account

In XX/XX/2024 I requested my checking account with Bank of America be closed due to there not being a branch nearby. There was a little over XXXX XXXX dollars in the account, and I was told a check for the amount would be sent to my address. In XXXX I got a bank statement listing a {$12.00} maintenance fee, so I called again and asked why the account was still open. They could not tell me why the account was still open but again said it would be closed and the remaining balance would again be sent to me. I got another bank statement for XXXX with another {$12.00} maintenance fee charged against my account. I would appreciate help in closing this account or getting a reason in writing why the account is not closed. The maintenance fee will continue to be drawn from it until the remaining balance is consumed to XXXX if this is not resolved soon. Please help
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed inaccurate addresses, and names. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ADDRESSES : No Address XXXX XXXX Tx XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Tx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX F XXXX XXXX Tx XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Tx XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Tx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX. NAMES : XXXX XXXX XXXX, are all inaccurate. 
Also, according to 15 USC 1681s-2, 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: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payments on the dates below : Ally FInancial- XX/XX/2019 I am not sure how this happened. I believe that I have made my payments to you when I recieved my statements. My only thought is that the monthly statement never came to me.