23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CREDITACPT Installment account with account # XXXX opened on XX/XX/year> and a balance of {$6500.00}. This vehicle was repossessed without contacting me about my option with Arbitration Clause I never mailed or rejected the Arbitration Clause per my contract and was never given the opportunity to save my vehicle, Not my signature on contact. This is clear violation of the Federal Arbitration Act, Any Dispute, as defined in your retail installment contract, remains subject to the Arbitration Clause in your contract. To the extent there is a Disagreement related to these terms and conditions that is not a Dispute, as defined in the retail installment contract, the parties consent to the exclusive jurisdiction of State and Federal Courts for XXXX XXXX of XXXX, Michigan, United States, for the determination of any claim or controversy between the parties and arising out of or relating to these Customer Portal Terms of Use. Both parties hereby consent to the jurisdiction of the Michigan Courts and waive any objections as to personal jurisdiction or as to the laying of venue in such Courts due to inconvenient forum or any other basis. This Agreement shall be deemed to have been made in the State of Michigan, United States of America, and shall be interpreted, and the rights and liabilities of the parties hereto determined in accordance with the laws of the State of Michigan, U.S.A., without regard to conflicts of law principles.
Product: Credit reporting or other personal consumer reports

THERE WAS FRAUD ON MY CREDIT & I ALSO NOTICED A HARD INQUIRY THAT I DID NOT CONSENT OF FROM " XXXX XXXX XXXX  ''.
Product: Credit reporting or other personal consumer reports

verbiage 75 % F13 The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.
Product: Credit reporting or other personal consumer reports

I am writing to express my concerns regarding the handling of my personal information by XXXX, XXXX, XXXX and ( Furnisher of information to credit agencies ). I believe that my rights as a consumer, as outlined in the Fair Credit Reporting Act ( 15 USC 1681 section 602 a ), are not being respected.

The Act clearly states that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. As a consumer, I have the right to ensure that my private information is not shared. This right is supported by 15 USC 6801, which mandates that each financial institution has an obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information.

According to 15 USC 1681 section 604 a section 2, a consumer reporting agency may furnish a consumer report only under specific circumstances : in accordance with the written instructions of the consumer to whom it relates. I have not given my consent, written or otherwise, to XXXX, XXXX or XXXX ( Furnisher of information to credit agencies ) to furnish this information.

Furthermore, 15 USC 6802 ( b ) states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how they can exercise their nondisclosure option. I was never informed of my right to exercise my nondisclosure option by ( Furnisher of information to credit agencies ).

Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from making any consumer report containing any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. The account in question is an adverse item that is being reported without my permission, which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) A states that 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. Moreover, 15 U.S. Code 1681e mandates that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. I believe that XXXX, XXXX and XXXX are not maintaining these reasonable procedures. 
Lastly, 12 CFR 1016.7 states that a consumer may exercise the right to opt out at any time. I am hereby exercising my right to opt out of your reporting services.

I kindly request that you address these concerns promptly and ensure that my rights as a consumer are respected.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX This CFPB complaint is filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that TransUnion credit reporting agency block the information on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. The fraudulent and inaccurate information includes : 1. An auto loan account opened with XXXX in XXXX under account number XXXX. 
XXXX. An auto loan account opened with XXXX XXXX, in XXXX under account number XXXX. 
XXXX. A personal account opened with XXXX XXXX XXXXn XXXX, under account number XXXX. 
XXXX. A collections account with XXXX opened on XX/XX/XXXX, with a balance of {$690.00}. 

These fraudulent accounts have caused multiple unauthorized hard inquiries and fraudulent collections to appear on my consumer FICO credit report. I have attached a list of the disputed hard inquiries and a copy of my credit report maintained by your agency, which highlights the fraudulent items. 

I do not recognize these accounts, collections, or hard inquiries. None of these accounts, collections, or inquiries were opened, initiated, or authorized by me. They are entirely the result of identity theft and fraud. 

Additionally, I have included a copy of the FTC Identity Theft Report, Case # XXXX as evidence that the listed accounts, collections, and inquiries are the result of identity theft. I request that all fraudulent items be removed promptly, as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX XX/XX/XXXX I have several accounts that are unknown or Fraudulent activity on it! I have requested that all of them froward me a copy of the contract and Itemized statement. There is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. This is my official Police report on file. This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are following OHIO LAW. The following account are still unverified : XXXX  Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law. Please delete the following accounts : 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 OHIO DEPT OF HUMAN SERVICES, OHIO DEPT OF HUMAN SERVICES OTHER XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX OH XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX  XXXX XXXX XXXX WV XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX My employer is XXXX XXXX This is my only number XXXX All other telephone numbers are not accurate
Product: Payday loan, title loan, personal loan, or advance loan

I received an email that said, We, hereby are obligated to inform you that you are going to be legally prosecuted in the Court House within a couple of days. So, before something goes wrong, we would like to notify you about this matter. It seems apparent that you had chosen to ignore all our efforts to contact you in order to resolve your debt with our clients XXXX XXXX. At this point, you have made your intentions clear and leave us no choice but to protect our interest in this matter. Due to delinquency in repaying the amount you owe ; we are going to file this case at your district courthouse. You will be served with a subpoena to appear at your district courthouse in next 3 business days. 
*I dont even have proper or trustworthy contact information to address this, I dont even live in the state that this is allegedly located.
Product: Debt collection

All my student loans are with NELNET. I was never offered an income driven plan, even though I asked about it several times. Instead I was put into forbearance for years and incurred interest costs in the amount of {$35000.00}. The only other option that I was offered was to pay over {$2000.00} a month, and for sometime I had no job or I was making very little. They threatened me with ruining my credit or garnishing my paychecks.
Product: Debt collection

Back in XXXX its I was given a completely different amount and spoke to the original person who I owed, which was XXXX XXXX XXXX XXXX apartment complex in XXXX XXXX  which from there we were coming up with a plan for the Payment in XXXX Hunters Warfield appears on my credit report for a completely different amount. I disputed the account on both my XXXX XXXX and my XXXX numerous times for the first time in almost 2 years, I received a phone call from Hunters Warfield with them trying to state that I owed a completely different amount which was about {$2000.00} less than what it shows on my credit report They did not have my information, just my name and date of birth which Im sure I had to give to verify outside of that they had no additional information for me. I need to have this removed as soon as possible so that I am able to rent or buy a house for myself because this is something that is hindering that growth. They continuously keep updating the account every few months. The last update was XX/XX/XXXX the time before that was XX/XX/XXXX. This happened almost 2 years ago and so for it to continuously be updating as if anything has changed or any information has changed just doesnt make sense to me.
Product: Debt collection

Dear Cust. Relations Mgr., I ask that you provide validation for account history information transmitted to any CHOICE RECOVERY INC # XXXX consumer reporting agencies for me, XXXX XXXX , for the so-called account number CHOICE RECOVERY INC # XXXX. Since personally harmful serious problems may be present within transmitted data, I am asking that your company mail this validated information within thirty days. Additionally, formally concur that you adhered to all provisions of the FDCPA or applicable laws after my term of enrollment as a student. Forward more than a cursory account history. In lieu of that this is a call for a formal audit. If these reasonable demands can not be met during this reasonable period, materials disseminated from CHOICE RECOVERY INC to any consumer reporting agencies should not be regarded as correct and may bespeak an abridgment of the law. Given that circumstance, vacate that reported information immediately. 
I appreciate any assistance you will provide.
Product: Credit card

Good morning, I received a credit from XXXX on XX/XX/XXXX and on XXXX XXXX, I spoke to a chase representative at around XXXX XXXX XXXX time regarding the credit transfer policy and she told me she can try an electronic transfer but its not guaranteed, in that event a paper check will me mailed out to me, so I told her that no dont do that and I would like to speak to her supervisor ( manager /supervisor ) regarding this transfer policy, so she transferred me to her supervisor XXXX ( spelling not confirmed ), he confirmed that chase only sends paper checks and no electronic transfer even though it states in the disclosure that electronic transfer ll be sent out. 
So I said that if that is the policy then I dont want to be sent out paper check. I said XXXX times, then he said he would be able to cancel it since its not processed yet. 
Then I found out later in the evening through my online chase app that a check has been mailed out to me. 
So I am talking to your representatives since then early morning XX/XX/XXXX to put a stop payment on this check so that no XXXX misuse it and I dont lose my money. 
I spoke to different representative, XXXX at XXXXXXXX XXXX XXXX time on XXXX XXXX. And he told me they Will contact the other department regarding this and they ll send me a letter to confirm this discussion. But I dont receive any letter thereafter. Then next supervisor named XXXX says the same thing but gives me a case no instead which is XXXX. Then next supervisor named XXXX, he said he has sent the request to put stop payment on check and it ll take XXXX business days. I spoke to him today at around XXXX XXXX XXXX time. 
So please put a stop payment on this check so that no one can misuse the check to get my money since I am not in the country. Also I never gave me the consent to mail out a check to me in the first place. 
I am facing a lot of mental harassment and financial harassment on this account as I never gave my consent to mail out a check for the credit balance. Its regarding my south west credit card ending in XXXX I am a chase customer since 2019. 

Please resolve it at the earliest and give me my Money back. 
Total amount XXXX $ With Regards, XXXX XXXX
Product: Checking or savings account

Chase Banking. I read up on overdraft fees and Chase is the worst. I never should've opened an account with them. They charged me {$34.00} for an overdraft of {$7.00}. Plus two more of the same for charges of less than {$20.00}. This is just today. Every week they charge {$110.00} worth of overdraft fees even when they know I have money being credited later that day or week. This is absurd and completely shady and crooked of them. I don't have a lot of money and they have taken most of all of what I have or earn. Please stop them. And people like me deserve our money back. These fees are absurd. Again, please stop Chase Banking from robbing people like me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Eviction Report of Inaccurate Personal Info, 1 case of address never lived at residence, the other two cases were filed and dismissed with comments from attorney representing the cases. Evictions filed with notes should be reported. Also, paid for rental history to be updated and frozen until this matter is resolved. Trans union has not complied with credit freeze for public records or accounts after initially making a payment to do so. Inaccurate credit reporting of accounts, public records and personal addresses are illegal. I am prepared to file a lawsuit for violation of my consumer rights if not addressed. These records for rental history had already been sealed by the jurisdiction they were filed in.
Product: Credit card

After calling and confirming that Barclays was waving fees for military members, I applied and was approved for the Luxury Gold Card. Shortly after I recieved a statement from Barclay 's confirming my annual fee would be waived along with a reduction in my apr to 0 %. One year later, Barclay 's has come out saying this will no longer be the case, and that I will be responsible for the annual fee of the card going forward. They are claiming that the waivers are being rescinded because they have a new interpretation of the SCRA. While their new assessment is correct, it does n't change the fact that I applied for the card and accepted the credit score implications only after being told that the conditions would remain the same " as long as I remained on   XXXX   XXXX  . '' I have been and will continue to be on   XXXX   XXXX   for the foreseeable future. As I am continuing to meet my obligation under the original terms, I would ask that Barclay 's honor their original agreement with me.
Product: Debt collection

I am filing this complaint because I noticed Amerifinancial Solutions had placed a debt for {$1500.00} on my credit report on XX/XX/XXXX. I reached out to emergency physician of XXXX XXXX  and have on a recording call that this bill should NOT be on my credit report which I can also provide the recorded call to all parties. I also reached out to Amerifinancial Solutions asking to verify that this debt is indeed mine and also for a copy for HIPPA authorization due to the alleged debt account being a medical account. Amerifinancial Solutions sent a bill which is not sufficed validation. Amerifinancial Solutions also did not provide a copy for HIPPA authorization for the alleged medical account. 
Under the health insurance portability and accountability Act of 1996 ( HIPAA ). I reserve the rights to protect the privacy of my personal information and medical records from all third-party reporting agencies. I am not liable for this debt with AmeriFinancial Solutions and do not have a contract with them.

They did not provide me with the any documents or signatures like I requested but a bill which is not sufficed validation. This debt was not properly validated and should not be on my credit at all. I demand that this false bill be removed from my credit report and again I can provide the recorded call from emergency physician of central fl to all parties. You are reporting false information to the credit bureaus! I have also had Medicaid around the time the alleged debt occurred, Fl Medicaid covers EVERYTHING! This debt indeed is not mine! Account XXXX
Product: Debt collection

Attach to this message is a screenshot of the amount That this collection Agency states that I owe. All of the information on the screenshot listed is incorrect. They have reached out to my employer have threatened to Sue me to try and collect this Incorrect debt which I have no recollection of or have any signatures Or consent tied to this. This collection has just been going up on my XXXX XXXX Almost every month it seems. Starting at XXXX XXXX, XXXX, to now up XXXXthe debt just increasingly goes up every time slightly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote  XXXX , Equifax, and  XXXX  in  XXXX  asking for help. They have not answered me. I filed a complaint and put down a friend I know who does free advocacy work for people needing help with credit. The response was the  3rd party  is not authorized.   Whatever. I am resubmitting this myself, no help from anyone. I do not understand why they just are refusing to help me. I know if they truly look at my issues they will find errors. I am having the same issue with the other  XXXX  credit bureaus. That 's collusion against me.   Is n't this illegal? Is not all of this illegal???   Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act XXXX  account # XXXX Has violated my rights 15 U.S.C 1681 section 602 A states I have a 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 instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is, XXXX is stating they are reporting accurate information to XXXX, EQUIFAX, and XXXX. However, the reporting agencies are not reporting accurate information in my report, which is violating my rights as a consumer under the FCRA laws. 

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. 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.