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. 


Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXXXXXX XXXX  Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I PRESUME THAT NO PROOF OF THE ALLEDGED DEBT NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXIST.
Product: Bank account or service

My name is XXXX and once again i 'm writing cause i clearly do n't like the the way i was treated by net spend executive XXXX this guy is guy is liar and a joke cause when i started to explain whats going he would hang up the phone when i called back he told that call dropped i find that highly unlikely being that we both were on landlines this is that old way of controlling the conversation he said he had called me back which was lie cause i pulled records this guy think he 's playing with kid i have enough colleagues frat brother i 'll boy cote this company I 've been with this company for 10 years and its said how i 'm treated
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint regarding a previous complaint again this company and situation. Against my better judgement I went ahead and paid the SECOND settlement amount given by Kohls to get them out of my life all together. Per previous communication with " XXXX '' in Kohl 's Executive offices after that payment was made they were to force update my credit reports to reflect the account closed, settled, and at a XXXX  balance. Against my better judgement since I already settled the amount over a year ago, I paid the second settlement amount on XXXX and was told then that the force update would be done. On XX/XX/XXXX I received a call from a " XXXX '' in Kohl 's Executive offices stating that the force update was set over on XX/XX/XXXX. This update should have taken no later than 72 hours to reflect on my reports. As of today nothing has been done. I have also called BOTH " XXXX '' and " XXXX '' on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with NO RETURN CALL OR RESPONSE in reference to this situation. Kohl 's has once again failed to comply to their part of the agreement. This is a breach in our agreement when this second payment was made. They breached their first agreement on settlement over a year ago and now breaching this agreement on the second settlement. This is poor business practice and unprofessional. They have lied continuous and failing to comply to their part of their agreement and not responding to any communication. They can not get away from continuous lying, deceiving, poor communication and treating consumers this way when I have not once but twice attempted to resolve this issue within the last couple years and all they have done is breached their part of the agreements with my payments made. The company needs to be investigated for their business practices and treatment of consumers. As a consumer I am held accountable for breaching an agreement and so should a company when their breach their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every creditor/company that Ive researched on my credit report and disputed due to accounts not belonging to me, but came back as my statement being my responsibility, is THE MOST frustrating! I am RE-DISPUTING with complaints to every single creditor that is claiming otherwise. I want PROOF & ORIGINAL DOCUMENTS that show that these balances AND accounts actually belonged to me with my signature present!
Product: Credit reporting or other personal consumer reports

This letter is to file a complaint againts XXXX  XXXX. Account number XXXX. This account was reported fraudulent and even tough they have failed to provide prove of ownership. They have changed the amount of debt owed 3 times now. Making my score sore even more. If its a closed account the amount should not have changed XXXX since XXXX. Please removed interest being charged on a closed account. You are extending statur of limitations and illegally going againts my rights. The Fcra states everything on my report should be 100 %. Please provide me proof of ownership and the steps that where taken or delete this account immediately.
Product: Credit card or prepaid card

Avant credit card company is not applying my payments to my balance in a timely manner. My balance keeps showing up for more than I actually owe. They are charging interest on the wrong amounts. They also keep reversing payments. Last month I overpaid them and had a - {$230.00} because they have not been applying my payments properly. I requested that credit to be applied back to my bank account. My balance should have been XXXX. I have not used the card since the XXXX balance and there are no transactions on the card reflecting that the card has been used, This month Avant applied a {$800.00} charged to my account for no reason and when I called in and spoke with 3 different  representative at Avant, no one at Avant that I spoke knew what this charge is for. I have been dealing with these payment matters for months. The reps give me a run around about speaking with a supervisor and no supervisor has ever called me back even though I requested several times to speak to a supervisor as well as a call back. I have sent several emails and received no responses. It is also showing up on my credit report that I owe a balance that I paid off.
Product: Mortgage

My neighbor sold the northern XXXX of lot XXXX to me in XXXX of XXXX. The neighbor never had the property removed from their mortgage with PennyMac. I have the property listed for sale in XX/XX/XXXX and have a buyer for the property. PennyMac will not provide us with a partial release for this property that was sold. We have had a potential buyer of the property since XX/XX/XXXX. I had both properties surveyed & provided this information to PennyMac in XX/XX/XXXX. The neighbor is no help in this situation & the bank is non responsive since we are not on the mortgage account.
Product: Credit reporting or other personal consumer reports

Assess to my Experian account is locked. I am trying to unfreeze my Experian credit report. I have called the Experian customer service phone number at ( XXXX ) XXXX many times requesting assistance to un-lock my account or to unfreeze my Experian credit file. I have had no success in getting the help I need. It is apparent to me that the Experian customer service line is designed to fail. Given this companies track record they have no regard for the public.
Product: Vehicle loan or lease

To whom it may concern this is reference to an auto loan I applied for and was denied my right of credit. After getting denied I researched the Truth and Lending Act, I've learned of my rights and tis complaint is not make me out as being difficult or troublesome, and while im not disagreeing with you companies decision. 

My goal of this complaint is be treated fairly and not discriminated against while exercising my right credit in good faith. Reading over your adverse letter shows me that your company used my credit report to make your decision and that very unfortunate, because there is no law that says I have to abide by the credit score or those transactions needs to be reported on my behalf, because the CFPB states credit reporting is optional. 

So no matter what your company policies are it does not supersede Federal law. What was done to me is direct violation of federal law under the Truth and Lending Act and my rights under this ACT pursuant to 15 USC 1602 ( f ) tells me credit is my right how can you company deny me my right. 15 USC 1602 ( p ) makes it clear that you committed fraud and used my credit card without my authority and I received no benefit. Your company discriminated against me by denying according to the Equal Credit opportunity ACT 15 USC 1691 ( a ) ( 3 ) makes XXXX clear that I can not be desciminated for exercising my rights. Now I would hate for this situation to escalate to something bigger. Please see attachment where CFPB publication back up my claim
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : XXXX
Product: Vehicle loan or lease

In XX/XX/XXXX, I bank wired $ XXXX as down payment to XXXX for a 'certified pre-owned ' XXXX XXXX XXXX. XXXX had taken my down payment amount and other qualifying information and gave me an approval me for financing at 7.99 % interest.However, ended up with a 12.99 % rate and alternate lender, without ever being informed I wasn't eligible for the interest rate provided when applying. I wasn't given the option to add co-signer or make larger down payment or even decline the terms. I was not notified or contacted about the financing at all I NEVER ACCEPTED or SIGNED THE LOAN TERMS. On the day of pick up i messaged the 'delivery ' team about my being uncomfortable with the fact I had no loan paperwork, and requested it. They provided a 1 page very vague print out that still gave me no actual information like who the lender was, when payment was due or anything. Oddly enough once i finally did get the real loan documents, according to the date on the loan... .the form hadn't been filled out until late the same night I inquired! 

I had to take possession of the vehicle, without any information about my loan. I didn't even know who to make a payment to- I was completely unaware of a different lender and interest rate. I had to ask the regional supervisor several times before I was given access to the actual loan documents. As far as I knew, up until that point... I had XXXX financing.
Product: Checking or savings account

XXXX SSN XXXX I want my MONEY! immigrant XXXX SSN XXXX I have ATTACHED all the info! Ok! I opened an account in XXXX CO XXXX. Deposited a check and cash. Total : {$4200.00}! I left and when I was on the XXXX bus to XXXX CA and opened my account using my XXXX  on the bus network the account balance was XXXX! My money was gone! I had an address in my online bank account at the time that READS XXXX XXXX and a name that had nothing to do with my account! 

For no more! 
XXXX Garnishments between XXXX and today 's date in XXXX counties, XXXX AZ, XXXX NM, XXXX NV and in XXXX! Close to {$18000.00} USD!
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the accounts, or inaccurate information, from my file immediately
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX  Account XXXX My data was affected by the XXXX XXXX breach, resulting XXXX numerous fraudulent items appearing on my credit report that I do not recognize. As these claims remain unproven and undocumented, they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the FTC.
Product: Credit reporting or other personal consumer reports

. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report.
Product: Vehicle loan or lease

In regards to acct number XXXX. The Original contract details from Regional acceptance were for {$27000.00} with a finance charge of XXXX at an interest rate of 17.95 % at terms of 72 months.. XXXX XXXX , happily sent a list of payments on the XXXX XXXX XXXX XXXX Total of payments made is {$30000.00}. The total of interest payments made was {$16000.00} and currently the interest rate is now 17.97 %. Regional has repossessed a vehicle that has been paid off for months. They are also claiming That {$3300.00} with a repo fee of {$4300.00} is still left on the account. The vehicle was repossessed on XX/XX/XXXX. The last payment sent to Regional was XX/XX/XXXX. The car has been paid off for months and I should have had possession of the title. The car has been auctioned off. Not only am I out {$30000.00} dollars, but I do not even have the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX Acct # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and did not realize it until just recently. My credit report has inaccurate information and accounts that do not belong to me, I am asking to please remove these accounts from my report immediately. It is against the law to keep these accounts on my credit report, and it is affecting my personal life in many ways. PLEASE REMOVE THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) : XXXX XXXX XXXX XXXX : XXXX Hard inquiries not authorized by me : XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 The accounts listed above were not authorized by me and they need to be removed from my credit report.
Product: Checking or savings account

Hello I been with navy federal for more than 5 years. I have a checking account and a savings account. I decided to enroll in Navy federals XXXX XXXX. After COVID I realized I paid over {$400.00} in overdraft fees in less than one year. I asked a representative to look in to my account and they basically told me this was all my well being. The agent seem frustrated with my questions. So I decided to turn off oops. I asked would it be a refund the call disconnected.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft, someone used my personal information to create a bank account with Bank of America, and now Im having problems in my credit reports and I cant remove the fraud alert from my file, the fraud was in a different state that I live in
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat c payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting or other personal consumer reports

I am formally disputing Affirms illegal sale of my personal information to XXXX, a debt collector, without my consent. This action violates multiple federal consumer protection laws, including : Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ) Prohibits the sharing of my credit information without permissible purpose. Affirm unlawfully transmitted my data to XXXX. 
Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692c ( b ) ) Restricts third-party communication regarding debts without consent. XXXX involvement is unauthorized. 
Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6827 ) Requires financial institutions to protect consumer financial data. Affirm violated this by improperly disclosing my information. 
Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5531 ( a ) ) Prohibits unfair, deceptive, or abusive acts. Selling my data without consent qualifies as an unfair practice.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accounts shown in my consumer credit report, as referenced below, originating from data breaches and fraud. I require real, verifiable evidence bearing my signature or electronic signature. This communication is my personal request and requires comprehensive review. Similar activities, taken without my authorization, violate my consumer rights, as defined in the Fair Credit Reporting Act Section 605B [ 15 U.S.C. 1681c-2 ], and Fair Credit Reporting Act Section 604 [ 15 U.S.C. 1681b ]. 

XXXX XXXX - XXXX {$0.00} XXXX - XXXX {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX - XXXX {$1400.00} XXXX XXXX  XXXX {$0.00} XXXX - XXXX {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) - XXXX {$2700.00} XXXX XXXX XXXX - XXXX {$2400.00} XXXX XXXX XXXX - XXXX {$2800.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) - XXXX {$2800.00} XXXX - XXXX $ XXXXXXXX XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) - XXXX {$410.00} XXXX - XXXX {$460.00} XXXX XXXX  XXXX {$20000.00} XXXX - XXXX {$60.00} XXXX XXXX - XXXX {$420.00} XXXX XXXXXXXX - XXXX {$80.00} XXXX XXXX XXXX XXXX {$200.00} LATE PAYMENT : XXXX XXXX  - XXXXXXXXXX**** XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont recognize these inquiries.
Product: Money transfer, virtual currency, or money service

Please, I am XXXX XXXX from XXXX, Firstly, I did Registered to Opened Online Account to that Company Call, XXXX : ( XXXX ) for Some Weeks ago and Again, Created Some Companies Invoices Receipts Retainers to that Company, But that Company had Refused to Processed my Payment Claims Transfer for me to my VISA CARD or BANK ACCOUNT, Up till now, So I want your Company to help me and Use my Details to Check from that Online Company : ( XXXX  ) and Process to Recover all my Past Invoices Receipts Payment for me to my Visa Card or Bank Account now and Send me the Payment Transactions Transfer Receipt by My Email now, So I am waiting for Reply now
Product: Credit reporting or other personal consumer reports

After reviewing a copy of my credit report, I contacted the XXXXXXXX XXXX in XXXX of 2023 regarding my Auto Loan payment history. I asked them to contact XXXX to reinsert the previously deleted material. The XXXXXXXX XXXX XXXX XXXXXXXX XXXX said they would contact the credit bureaus to solve this. This account is hurting my ability to obtain credit. 
I understand that you will investigate all parties involved to verify its accuracy : ( Account Number : XXXX & Account Name : Auto Loan )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account to no avail with all three credit bureaus. They refuse to investigate and remove this fraudulent information from my credit report.