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 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 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: Checking or savings account

I had account with Wells Fargo around 2012 and want to see if I qualify in settlement
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/2023 Dear Sir/Madam, I am writing to formally dispute an item in my credit report that I believe to be inaccurate. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request an investigation into the following item ( s ) on my credit report : Creditor Name : XXXX XXXX XXXX  XXXX ~ XXXX XXXX XXXX XXXXXXXX ~ XXXX I have reviewed my credit report, and I believe that the information provided above is incorrect and should be rectified. According to the FCRA, it is the responsibility of the credit reporting agency to conduct a reasonable investigation within 30 days of receiving this dispute letter. 

I kindly request that you : * Conduct a thorough investigation into the disputed item ( s ) mentioned above. 
* Provide me with written results of the investigation. 
* Remove or correct the inaccurate information from my credit report, if found to be inaccurate. 
* Notify me in writing of any changes made to my credit report as a result of this dispute. 
* Please be aware that the FCRA obligates you to inform the furnisher of the disputed information about the nature of my dispute. I expect you to adhere to this requirement promptly. 

Section 605 of the FCRA covers the rules regarding the time periods for which certain adverse information may be reported in consumer credit reports. Specifically, it governs how long negative information, such as late payments, bankruptcies, or tax liens, can remain on a consumer 's credit report. 

Section 1681b of the FCRA governs the permissible purposes for which consumer reports can be obtained and used by various entities. It outlines the circumstances under which a consumer reporting agency can furnish a consumer report to third parties, such as creditors, employers, and landlords. 

Thank you for your assistance in resolving this matter. Please contact me at the address or phone number provided below should you require any further information. 
Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I applied for a Discover Personal Loan so I could transfer the balance of my high interest Discover Card. I've been a Discover Card holder for 5 years, and they've made thousands of dollars off my high 19.99 % interest rate on a balance that's ballooned to {$12000.00}. I was denied and told HIGH UTILIZATION ON BANK REVOLVING ACCOUNTS LOAN TERM DELINQUENCY HISTORY ON BUREAU REPORT My credit history spans 28 years, 5 months. I have no delinquencies on my credit report. 

I believe this is retaliatory in nature. Two weeks prior, I'd contacted Discover via their app to ask for a lower interest rate. My credit score was XXXX, and I have no delinquencies to any account in my name. I was instructed to check for any balance transfer offers. But again, I asked for a lower interest rate. I was asked WHY I wanted a lower interest rate? I said who wouldn't! I asked again for a lower interest rate. This time I was asked what my reasons were ... .was I experiencing financial or personal hardships?? I repeated that I was requesting a lower interest rate. Guess what the customer service representative replied? " Great question! Are you asking for a lower interest rate on your existing balance? ". I told her I'd been asking her for a lower interest rate for 15 minutes. I was then offered two rates, 16.99 % for 12 months on new purchases or 9.99 % for 6 months on new purchases. I told her I wasn't interested in either. 

Then she tells me ... .get this ... .that she thinks the 0.99 % interest repayment program sounded like an amazing offer. WHAT? I wasn't offered 0.99 %! At that point she apologized and said she'd been taking care of two customers at a time and that the offer of 0.99 % wasn't for me. 

OUCH. No late payments, high balance, and five year payment history with Discover ... ..28 year credit history overall. 

Two weeks later, I applied for a Discover Personal Loan to pay-off my HIGH-INTEREST Discover Credit Card debt ....
Product: Credit card or prepaid card

I was approved with Avant for a credit card in XXXX and was waiting on it's arrival XXXX business days after approval. It should of arrived no later than XX/XX/XXXX ..... It never came. I spoke with a rep on XX/XX/XXXX, who trusted a card which was sent out on XX/XX/XXXX... Wait another XXXX business days. I spoke with a rep on XX/XX/XXXX because AGAIN, I haven't received the reissued card. He then stated that if it's not in my possession on Friday, XX/XX/XXXX, then I need to call back. Today is XX/XX/XXXX and I STILL HAVEN'T RECEIVED my card. I called, was on hold for almost 15min, and a lady answered. She stated that since I didn't get it, still, she'll reissue a 3RD CARD. I asked her why do they not know where these cards are going because I'm potentially looking at 45 days without my card after giving my personal information to this company who ALLEGEDLY sent two cards already. The lady was VERY RUDE AND DISRESPECTFUL, SASSY, AND DEFENSIVE regarding me asking where's my card, why this is happening, am I the only one, and why not rush deliver the card since they have so many to give out ( listen to the call. I Called Avant @ XXXX. Total time : XXXX XXXX )? She showed ZERO care and lacked customer service.
Product: Checking or savings account

On XX/XX/XXXX I sent {$100.00} to XXXX XXXX. He ever received it. I checked and the money was sent to XXXX XXXX as XXXX XXXX. The money went to her. I tried to contact her to send it back. No answer. I filed a dispute with Chime Bank. After 2 weeks they said the case was closed, no error. The money was sent in error. I should get a refund. I filed a timely dispute.
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 : Midland Credit Management # XXXX XXXX {$3200.00}, 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

XXXX at Monterey is harassing me with the same debt that was resolved back in XX/XX/2022. She is trying to collect for a debt deemed as fraud by the hospital where occurred. CFPB already closed this case back in XXXX as resolved, however according to this inept agent I need to pay for it again. See XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Information Under 15 U.S. Code 1681 Dear XXXX XXXX Customer Service, I am writing to request information regarding my account under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). My account number is XXXX. 
Specifically, I would like to obtain a letter that details the status of my revolving account, including any relevant information that may be reported to the credit bureaus ( Equifax ).

Please let me know if you require any additional information to fulfill this request. I appreciate your prompt attention to this matter and look forward to your response.

Thank you.

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a notice requesting Capital One provide a privacy policy that complies with section 6803 of the Gram Leach Bliley Act, along with opt-out options consistent with 6802 of the same act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my XXXX XXXX record. To this present day, over XXXX  days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over XXXX  days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Product: Debt collection

XX/XX/ I made an attempt to call to inquire about the collection on my credit report. The person instructed me to give them my personal information. They refused to give their name and told me I couldn't speak to a supervisor and hung up.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate information appearing on my credit report from [ Experian ] related to an account furnished by XXXX XXXX. This account must be removed immediately, as it is invalid per the court documents I have attached to this complaint. The court has clearly terminated the receivership case due to the lack of funds to disburse, rendering this debt invalid and unenforceable. By allowing this inaccurate information to remain on my credit report, the credit bureau and the furnishing agency are violating my consumer rights under multiple federal laws, including : 1. 12 CFR 1006.34 ( b ) ( 5 ) : The collection agency has failed to provide adequate validation of the alleged debt yet continues to report it to credit reporting agencies.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I was not given a proper opportunity to dispute the account before it was reported to the credit bureaus, as required by law.

3. 15 USC 1681s-2 ( a ) : The collection agency has no authority to furnish information to the credit reporting agencies without providing the disclosures required by law, including validating the debt and its enforceability.

4. 12 CFR 1006.34 ( d ) : The collection agency is in violation of this regulation by using false, misleading, and deceptive means to report and attempt to collect an unenforceable debt. These actions are clear violations of federal consumer protection laws, and I demand that this account be permanently removed from my credit report with [ Experian ].
Product: Credit reporting or other personal consumer reports

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, IN XXXX XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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: Student loan

I am being collected from XXXX different companies for the same exact debt. I have tried several attempts via mail and over the phone to resolve this and the debt collection company National Recoveries are lacking in a lot of areas. They refuse to listen to anything I have to say and keep trying to tell me its a different debt but can not prove it. I asked for proof of the debt and they sent me bogus papers that have NOTHING to do with the debt they are collecting on. I have printed up all of my documents to prove that the amount they are asking me for is currently through XXXX and I am in good standing with XXXX. I had a subsidized and un-subsidized loan somehow end up in a consolidation loan with XXXX/ XXXX , this was not in anyway known from me, since the information they provided to me is not mine other than my social number and the name. None of the addresses or phone numbers matched, besides the point, I worked out a plan with Navient years ago and now National Recoveries is claiming I owe them either the subsidized or un-subsidized portion which they still wont tell me which one. They lack in proving what exactly the total amount is that I owe them for, not how much, but for. I want them to disregard the debt and look at the documentation I have from XXXX, showing XXXX is in fact collecting on both of these debts. I am a XXXX and have 2 more years to go, if they even tried to get one cent from me, they 'd be wasting their time. Its a crime to attempt to collect the same debt and they need to be prosecuted for their actions. They are also alleging that an amount of {$2600.00} was taken then refunded back to me from US Dept of Treasury, this is FALSE, I have proof, documents that my identity was stolen 3 times in past 5 years, the amount mentioned above, is from the person who stole my identity, that was refunded back to that person, not me. Where they get their information from is terrible. I have police reports and letters from IRS proving I have been victim of identity theft several times.
Product: Vehicle loan or lease

On XXXX XXXX XXXX I received a loan from Onemain financial and paid a single insurance premium in the amount of {$1200.00} that was added into the amount financed so intrest was calculated for it. On 3XXXX the original loan was paid and to open a new loan to give cash in hand. Single insurance refunded {$1100.00} from the premium amount. This amount was absorbed into my payoff amount. The New loan on that same day shows a new premium amount for {$1400.00} was now added into my financed amount with interest. I was not given the refund amount from the first premium or a refund from the interest on it for the term of the loan that actually ended 78 days into the loan. I was charged interest at the rate of 21.15 % for the term of 60 months. 
It looks like I've paid a single insurance premium 3 times. Original loan policy was for 78 days ( {$1200.00} ), refund amount ( {$1100.00} ) went to the lender. Currently have a policy with premium of {$1400.00}. Should only have paid for the 78 days and only 78 days intrest. 
I have had my loan for 22 months and I've had premium refunds not returned to me, overpaid interest, unauthorized withdrawal from my bank and numerous unauthorized attempts to withdrawal from my bank, loan modification attempt i knew nothing about that had a " forged '' signature that looks just like my signature on previous document in my file when my signature was like that due to medical reasons but that resolved 20 months. The falsified document contains mix up dates as well XXXX date is current and the other matches the almost XXXX old document. XXXX single person in a company wouldn't just randomly try to scam someone with all the issues with my loan in a short time it seems like it's strategic planning or training on a company part
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to resolve this matter on my own several times. I have not received a response from them in over 30 days as law allows them to respond to me with proof I gave them consent to share my personal alleged transactions. They are sharing my information with 3rd party companies and making a profit without my consent or knowledge which is identity theft.please refer to 15 USC 1666 ( B ).
Product: Credit card or prepaid card

For several months this spring I received emails from Sam 's Club/Synchrony bank telling me that I was to accept estatements and that I was not to receive any more paper statements. I did not accept estatements ; I checked my account on the website and it does not show estatements turned ON. I have not received any more paper statements for the months when I had purchases.
I received my last Paper statement for Payment Due Date XXXX/XXXX/17.
I did not receive a paper by mail or estatement by email for purchases I made on XXXX/XXXX/17. I did not know the " From and To '' date for the billing cycle for the purchases, and estimated that the payment was due on XXXX/XXXX/17. I did not know whether or not my estimate was correct. Evidently I was right, because a {$37.00} late charge was not applied to my Synchrony Bank card account for Sam 's Club.
On the morning of XXXX XXXX, 2017, I spent 2 hours on the phone with no results. I called Synchrony bank and got nowhere. The credit card company said I was supposed to be receiving paper statements. Obviously paper statements have been turned off. I can only go on the web site to ask for a " past '' paper statement.
I also tried to call Sam 's Club head office. I was given incorrect numbers by the local store. It took half an hour for me to get a number to Sam 's Club head office, but I never got through to anyone to tell them about the problems created by the card company for their customer : It is obvious to me that this is designed to create confusion for the credit card holder. People schedule payments from a statement where they can see the charge, payment due date, and a " from to date '' for the billing cycle.
Problem 1 : No statement means that people will miss a payment and have {$37.00} fee applied.
Problem 2. There is no " From To date '' for the billing cycle. This means that I can not tell the billing cycle that a purchase falls into, therefore I can be charged {$37.00} for late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unlike XXXX  and XXXX, where I can lock and unlock my credit file online, Equifax has made my online account incapable of being accessed. They stated : " Upon further review, the option to utilize the online website, MyEquifax is not available to you. This decision is based on the information that you have provided during the account creation process '' My account was available to me until I applied for the data breach settlement of extended service. Once I applied for that I lost access to MyEquifax. Calling Equifax is quite frustrating. Recently ( XXXX ) I had a need to unlock and then lock my Equifax credit report and it took me 137 minutes. Subsequently I have asked Equifax to reestablish my online Internet account to save me time. They have not been responsive and telling me this : " There are alternative methods to place a security freeze or fraud alert that is recommended for you that includes sending your request by mail or by phone : Mail this form to place a security freeze : https : //assets.equifax.com/assets/personal/Security_Freeze_Request_Form.pdf Mail this form to place a fraud alert : https : //assets.equifax.com/assets/personal/Fraud_Alert_Request_Form.pdf Call Consumer Care team by phone at XXXX between XXXX XXXX  XXXX XXXX, 7 days per week. '' After their data breach, of which I was a victim, they are now denying me the convenience of good service.
Product: Vehicle loan or lease

I got a loan for a car back in 2016, I had some issues and they offered extensions. Recently my car got totaled and my insurance company paid them XXXX and some change. They were notified and still kept charging XXXX dollars a day in interest making it almost impossible to pay back! I really dont know how this is even legal! The cars been more than paid for the loan and what its worth! Its honestly disgusting this has been allowed in XXXX and theyre doing to send back every payment made but not how much it all adds up to be!!! Which Im sure is all they are going to rebuttal.
Product: Debt collection

N accordance with the Fair Credit Reporting Act Wells Fargo Bank Card account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights 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

I found out my minor child have a credit report with this company and they fail to give me her credit report they sent to me a stall letter and i am requesting these items to be removed from my daughter profile and frozen and i want mailed proof of doing this first mistake they have her birthday as XX/XX/XXXX when my child birthday is XX/XX/XXXX which is she's only XXXX XXXX XXXX they have her same social security number as my minor child as well i am including my license the mother my child birth certificate as well WITH MY RECENT BILL
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX improperly handled my credit score and personal information. It has since been hacked and I am now vulnerable for the rest of my life to identity theft.