23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX 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

Source Receivables states that I allegedly owe them. I have attempted to communicate with them in regards to this debt prior and they did not respond. I asked for them to validate the debt as well as to provide a contract with both parties ' wet ink signatures. They failed to provide this document and still are attempting to harm my consumer credit profile by reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my credit report dated XX/XX/23, Self Financial Inc. has continued to leave negative marks on my credit report for an account that was originally current for over a year with no missed payments that i later closed as a an account that was current with no Miss payment more than a year. This conduct is in violation of the FDCPA, which prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt ( 1692e ), and from designing, compiling, and furnishing any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating ( 1692j ).
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Late Payment Reporting and Request for Removal I am writing to dispute incorrect late payment entries reported on my credit report by XXXX XXXX XXXX. I have attached copies of a congratulatory letter from XXXX XXXX XXXX and the title of the vehicle, both confirming that my account has been paid in full. Despite these clear indications that my financial obligations have been met, these erroneous entries have been reported, causing significant harm to my credit score and my overall financial health. 
This incorrect information is a direct violation of my rights under the Privacy Act of 1974 ( 5 U.S. Code 552a ), which safeguards against the unauthorized use of personal data. Furthermore, I am exercising my right to opt out of any further reporting by XXXX XXXX XXXX, as stipulated under 12 CFR 1016.1 ( a ) ( 1 ) ( 2 ) ( 3 ). It is also noteworthy to mention that I was never provided with an initial privacy notice by XXXX XXXX XXXX, required under 12 CFR 1016.4 ( 1 ) ( 2 ), which mandates explicit authorization before disclosing any nonpublic personal information to nonaffiliated third parties. 
Given these violations, I am requesting the immediate removal of the reported late payments from my credit profile. Additionally, I am asking for a fine of {$1000.00} to be imposed for each violation of my consumer rights, as these errors have unjustly damaged my credit and personal reputation. 
Please find attached the relevant documents, including the payoff letter and vehicle title, to substantiate my claims. I expect a response within 30 days confirming that these corrections have been made to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fed loan shows delinquent payments for XXXX, XXXX, XXXX, XXXX. 

I have spoken to them repeatedly to provide proof I was late. They do not respond. 

I need Fed loan to prove I was delinquent on these payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has reported a late pay on my credit report which inaccurate. I have never paid late mainly because I pay off entire balance on or before due date. I have asked for proof of a late payment and the company 's representatives have failed to show any proof. This is a clear violation of the 15 USC 1692 and 15 USC 1681. This inaccurate reporting is injuring me financially and has caused me to get outside counseling.
Product: Credit card

Capital One credit card was opened without my permission, after investigating they refused to remove the account, however I was told that if I paid the balance due on the account WHICH I DID, that they would change the status from 'Charge Off '' to " Closed '' To date all XXXX credit agencies are still showing the account that has a XXXX balance as " Charge Off '', I would like Capital One to change the status to " Closed '' as was promised to me once the balance was paid in full.
Product: Checking or savings account

I had this account with Discover bank, the account had fraud on it and the company closed my account with a negative balance. I contacted the company and filed a dispute and the company sent me a check for {$75.00} on XXXX and I was informed the accout was at a zero balance and clear. 
On XXXX I went and opened a creditr union account through my job and they informe me discover back reported me to XXXX for {$70.00}. After opening my account I called discover bank and explained to the representative what happened, she verified the refund was issues last year and confirmed a XXXX report should of never been reported as the accound was negative due to fraud and resolved with dispute. The representative left me on hold to find a manager, she then said no manager was available and offered to have me continue to hold. 

This issue needs to be resolved and they need to remove any and all negative reporting they submittes to checksystems and/or any other reporting agencies. 
*The account is under my legal name XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I filed a dispute on the following accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due to the reason of reporting inaccurate information on my credit report. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against ( Experian ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. My information was also included in a data breach. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. Im requesting these derogatory remarks be removed immediately as its affecting my chances og getting a ( House, CAR, Business Credit ). Experian violates my rights as a consumer, as well as federal laws. I would like these items removed
Product: Debt collection

I did not consent, authorize, or benefit from any of the following accounts 1. Affirm Inc XXXX XXXX XXXX Account Number : XXXX
Product: Payday loan, title loan, or personal loan

The name of the company is 
Title Max in Pasadena, 


I made this title loan back in XX/XX/XXXX. Never a late payment

Until XX/XX/XXXX, my balance was XXXX, ( I stop borrowed, and every month I paid XXXX approximately for at least 15 months) and this balance was always remind the same until I paid XXXX toward the principle in XX/XX/XXXX, my balance became to XXXX1 on XX/XX/XXXX but this company wanted me to still pay at least XXXX each month and they told me my balance will always remind the same unless I pay off the loan....this is Not Fair

They have kept me on the dark side of my consumer right and want me to pay the highest interest rate and disregard my consumer's right, they also fired 4 staff that have been helping me to made payment every week because they don't want me to know my right to pay off this loan, I have paid more than XXXX to this company in XX/XX/XXXX to XX/XX/XXXX not counting the previous month that I have made to this company....

When I asked for my receipts to be send to me( bring this case to the Court,) they have adjusted my balance down to XXXX as of XX/XX/XXXX .

I stopped making payment in XX/XX/XXXX, because I think it's not fair 
( started in XX/XX/XXXX, I made 2 times every week, which is XXXX for each month which is XXXX)

When I passed 1 day to the payment ( I set to pay Monday and Friday every week they will called me on Tuesday and want to collection of the payment, this is rediculous.....

They also refused to send me the receipts of XX/XX/XXXX, XX/XX/XXXX , and call and they told me to make payment
Product: Debt collection

Hunter Warfield contacted me regarding a debt sent to them from XXXX XXXX . Hunter Warfield failed to read the documents that was submitted by XXXX, as it clearly states on item XXXX that all disputes will be handled between the Landlord and Tenant through binding arbitration. My account should not have been sent to collections and I have a legal right to dispute any charges per my lease agreement and not be subjected to harassment from a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  
XXXX  XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 

addresses not mine 

accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
us department of edu
XXXX  us dept of education
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting information on me without a permissible purpose to do so. 15 U.S.C. 1681 The congress finds that the consumer reporting agencies ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers which means they didn't have permission not did they not have permission they don't have my consent to furnish anything on me without my written instructions pursuant to 15 U.S.C 1681B it states that a consumer reporting agency MAY furnish ( doesn't man required ) in ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER can you please have XXXX provide me the document where I gave them in written form giving them permission to furnish anything on my consumer report. I've never consented to the report in the first place. Also congress states that there is a need to insure that credit reporting agencies exercise their grave responsibilities with fairness and impartiality and a respect for consumer right to PRIVACY my privacy is being violated again also because not only is XXXX a credit reporting agency they are a financial institution as well meaning they also fall under the privacy laws of the Gramm-leach Bliley act 15 U.S.C 6801-6804 XXXX is furnishing on my report non public personal information which the definition of that term is personally identifiable financial information resulting from any transaction with the consumer or any service performed so that means balances, monthly payments, missed payments, charge offs, account numbers, social security numbers etc XXXX all falls in with financial information and needs to be deleted from my consumer report al of this makes XXXX civilly liable for willful noncompliance
Product: Checking or savings account

My wife and I took out a home improvement loan for a pool the pool funds were sent to US Bank in XXXX of 2022. We were delayed due to construction of new suer installed around our property. when that construction ended I started making arrangements for the pool to be installed. I found out that the co borrower my wife took the funds from the bank lied to the pool company the financial institution and to me and misappropriated the funds for self gain and the US Bank refused to give any information as to where the funds went how they were used and who took them. I asked them for a complete investigation but US Bank refused to provide any information about the funds and told me that there was no fraud at there bank. I am filing this complaint because as a consumer I shave a right to know what happened to the funds I signed up for a pool the US Bank refused to give any details of the funds who withdrew the funds and where the funds are. As the primary person who is on the loan for repayment I ask for a complete investigation of those XXXX dollars deposited at US Bsnk in XXXX of 2022 this is bank fraud you can not borrow money from the lender for a pool on a home improvement loan and use the funds for self gain benefit defrauding the bank the pool company and the primary borrower she is in breach of the contract and may have committed forgery too thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, TOYOTA MOTOR CREDIT add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

VS CARD XXXX XXXX XXXX XXXX Comenity Bank/ Victoria Secret Credit Card which I have in writing. If a credit increase is granted you DO NOT HAVE MY PERMISSION TO DO A HARD PULL. ONLY A SOFT PULL OR I DO NOT WANT THE INCREASE. I HAVE my full credit avaialable which is {$700.00} I was on the phone for 3 hours with Comenity bank and I spoke to 12 different people. 

XXXX ID number XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I WILL BE CLOSING THE ACCOUNT ONCE I RETURN EVERY ITEM I PURCHASED BACK TO THE VS STORE. 

I WANT THE INQUIRY REMOVED ON MY XXXX  ACCOUNT. 

I HAVE PROOF CLEARLY IN WRITING NOT TO PULL MY CREDIT AND ONLY GAVE PERMISSION TO DO A SOFT PULL. WHY WOULD I HAVE AN INQUIRY FOR TWO YEARS WHEN I STILL HAVE OVER {$600.00} AVAILABLE.
Product: Student loan

The XXXX school I went to chose Navient as the holder of my loans, both Federal and Private. The problem I had is that the people who set up the loans for me at XXXX XXXX (in the beginning) didn't know what they were doing and did not get me the best payment plans. I didn't know that until years later when an employee (during a much later call) told me that the loans I was given was not a good loan for me.I could have had lower payments, or a better, more efficient plan than what I was currently on. That made me really angry. Because the payments were so high, I had to use deferments for a few years because I didn't make enough money in a low paying restaurant/catering job to pay my rent and other expenses AND $400+ in student loans. Once the deferments ended I had to figure out ways to pay, switching jobs until I finally made enough money to pay the loans. As it is, after all these years of paying I still owe $XXXX  more than the initial loan of $XXXX. Now I can no longer work at my job and I'm way past retirement age, deciding whether to give my social security and IRA retirement money to Navient, when I already don't have nearly enough money to last me the rest of my life, however long that may be. I would never encourage anyone to take on this kind of debt. The recruiter at the culinary school lied to me about what I would make once I graduated. It was a big mistake!
Product: Checking or savings account

I have an Health Savings Account with Optum Bank through my former employer. After leaving my job, I was mailed a notice, dated XX/XX/2023, which included a Truth In Savings disclosure that quoted a {$0.00} monthy account maintenance fee that was described to " now apply to your account. '' However, I have been charged a monthly maintenance fee of {$2.00} on XX/XX/2023, XX/XX/2023, and XX/XX/2023. 

I wrote a letter to Optum on XX/XX/2023 and did not receive a response. On XX/XX/2023, I wrote an electronic message to Optum and received a reply that was not responsive to my concern. The message stated that " Our records show the plan you're currently associated with has a {$2.00} monthly maintenance fee '', however the company 's response did not address the information I provided regarding the disclosure I received over mail that quoted a {$0.00} fee. 

Attachments : Letter from Optum dated XX/XX/2023. 
Letter to Optum dated XX/XX/2023. 
Electronic communication with Optum Customer Service on XX/XX/2023.
Product: Credit card

HH GREGG credit account. Charged us high interest & added it to our account without giving us any notice. I asked in HH Gregg local store in XXXX XXXX, if they could tell us a " balance '' or give us a payment statement. HH Gregg told me, they have no access to this information. 
I went on " my online '' account for HH Gregg. To my surprise, there is " no available '' information, regarding : statements, balnce inquiry, current amount due or payment history. No record of " interest due '', current interest rates charged. 

I went to store again & asked what is my balance, after paying a store payment. The store manager again stated : " we have no way of knowing this information ''. 
I told store manager, that I went to my " online account '', and could not pull up a statement, account payment history or could not find where any " interest charges '' were be acrued! 

Manager gave me a phone number, saying : " maybe they can help you ''! 

Dissappointing, as we got an additional $ XXXX+ interest added onto our account, without being given any notice at all. Our account was down to {$1200.00}, now it has a balance of over {$1500.00}! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX ( cell ) or XXXX ( residence )
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report on XX/XX/XXXX, XXXX Credit reporting agencies must provide accurate and up-to-date information about consumers ' credit histories. I Have identified several errors in the information provided. 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. Coll : Acct # 9698, n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681., XXXX XXXX XXXX Acct # XXXX, has violated my rights. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Delete these XXXX XXXX from my credit reports effective immediately as they are banned by the CFPB and they can no longer report on my credit reports effective immediately. 
Here is the report from CFPB https : //www.consumerfinance.gov/about-us/. newsroom/cfpb-finalizes-rule-to-remove-medical-bills-from-credit-reports/. 

XXXX collection Acct XXXX
Product: Vehicle loan or lease

the Retail Installment Contract has several violations of the Truth In Lending Act, all under the determination of the finance charge. Also note, an affidavit of truth was sent dated XX/XX/2021 and the company received it on XX/XX/2021 via XXXX certified mail, however the company has responded with a vague and general response in addition to not rebutting the affidavit of truth with a statement of truth. A sworn statement of fact or affidavit must be rebutted, point by point XXXX XXXX vs. XXXX of Alabama CR-05-1846 ) or it will be determined as truth and judgement to the benefit of the affiant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed two invalid/released tax liens that are not listed with the department of revenue of Massachusetts. These were invalid because I entered I to a payment arrangement for the liens. I have paperwork saying these liens and garnishment was released and invalid. Other credit reporting agencies have already deleted this entry. MAssachusettS department says these liens are invalid and have no record of them.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX, am lodging a formal complaint with the Consumer Financial Protection Bureau regarding identity theft perpetrated by former employees of my company. XXXX XXXX XXXX and XXXX XXXX XXXX, who were both employed by my company " XXXX XXXX and XXXX XXXX XXXX '', utilized my personal information to commit fraud, causing significant financial harm and distress. Both individuals have been terminated from their positions due to their actions, which have resulted in substantial losses to my company. 

XXXX XXXX - XXXX Account Opened : XX/XX/XXXX Account Closed : XX/XX/XXXX Total Amount : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX USA Contact Number : ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, PA XXXX Contact Number XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX Contact Number : ( XXXX ) XXXX These unauthorized actions have not only resulted in financial losses but have also caused immense stress and disruption to my personal and professional life. The fraudulent activities conducted by XXXX XXXX XXXX and XXXX XXXX XXXX have severely impacted my trust in financial institutions and my sense of security regarding my personal information. 

Recent Developments : XXXX XXXX XXXX was recently apprehended in XXXX by the XXXX Police Department, and some information was reportedly recovered. However, XXXX XXXX XXXX was apprehended by the XXXX XXXX, GA last XXXX, and no information was recovered.
Product: Bank account or service

I opened an account with Wachovia ( now Wells Fargo ) XX/XX/2008. At the same time, my father and brother also opened accounts with the bank. After a few years, the bank started charging me a monthly fee of about {$10.00}. I tried to figure out why they started charging me this fee, but not charging my brother or father the same fee. After a while, I gave up trying to get the bank to stop charging the fee and I closed the account. Now that it has been exposed that Wells Fargo has been finding unfair ways to charge customers fees, I am wondering if I was a victim of their misbehavior.