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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. Its so weird that y'all keep claiming this account to be verified and IT IS SO ABUNDANTLY CLEAR that the info is inconsistent. Now rather is XXXX, Experian XXXX or XXXX that its reporting the wrong information is none of my concern, the point is ONE OF YALL WRONG DELETED this mess its very clear it wasn't properly verify. Have currently 6 late payments that are not accurate. I have been asking for proof of how I was late and how can the 3 credit bureaus have different late payments listed? For the past year I have asked for this information to be updated with no verification other than the company saying they are Correct, If so why do I have different late payments?. I'm demanding for my profile to be updated to no late payments. 

Please view the information below as proof.
Product: Credit reporting or other personal consumer reports

RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission.

1. Under penalty of perjury I swear this account is false and misleading XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 




I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is ILLEGAL, as each dispute and challenge must be addressed INDIVIDUALLY and on its own merits. My letters were created by software thats created for everyone.

If you dont process my letters, you are VIOLATING 15 U.S. Code 5 1681. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party, may be available. This is NOT a legal exception. 

I am the AUTHOR of any letters you receive with my name on them. Either I or my advisors wrote them with my FULL KNOWLEDGE and CONSENT. I am aware that there is no law that says you need to provide a POWER OF ATTORNEY in order to delay processing letters from a consumer. IF YOU DO NOT PROCESS MY LETTERS IN A TIMELY MANNER, I WILL consider it to be an INTENTIONAL disregard for my rights. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : State Senate CC : Federal Deposit Insurance Corporation CC : Controller of the Currency CC : Federal Reserve System CC : XXXX XXXX XXXXXXXX XXXX : Federal Trade Commission CC : State Regulatory Agency
Product: Payday loan, title loan, personal loan, or advance loan

Purchased something from an online store that belonged to my friend. Their store got frozen/shut down for no reason whatsoever and the company refuses to unfreeze the money. As a result, I didnt get the item I paid for and my friend didnt get my money. The company, XXXX, refuses to help or respond. As a result, I am demanding a refund from Affirm, as I did not get the product I purchased and will not be paying the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

INCORRECT CREDIT SCORE
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the necessary proof of investigation. These are the accounts Ive marked as inaccurate. 
XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

Starting in XXXX 2016, I began receiving emails from XXXX XXXX XXXX, stating they were collecting on behalf of XXXX XXXX XXXX, a debt of roughly {$600.00}. Communication was addressed to XXXX XXXX, which is not my correct name. This is also not my debt, account, or anything to do with me personally. When I responded, stating that this was not me, and there was some kind of mistake, the email rate went up to a level of at least one per day, with different names attached to each email so there was no way to block them. I get no personal response, only continued emails that become more frightening over time. Without the response, I 'm not sure if this was just a mistake of an incorrect email address being used, or if this is an attempt at identity fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquiries from a company called : West Lake Service , Inc. 
The dates are : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
I do not have any services with this company and I do not know who they are. Additionally, I do not know how or why they obtained a copy of my XXXX  credit report.
Product: Credit reporting or other personal consumer reports

I have inaccurate information on my credit report that does not belong to me. I want the accounts removed from my credit report. 



XXXX credit report 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 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
Product: Money transfer, virtual currency, or money service

I was using Zelle through XXXX XXXX XXXXXXXX to send my rent money in. The recipient DID NOT receive the funds into his bank account, however he received a text from Zelle saying that the money is ready through XXXX. He does not bank through XXXX he banks through XXXX XXXX. I called both XXXX XXXXXXXX XXXX and Zelle, and they were both very unhelpful. They filed a claim on fraud for that transaction, which, weeks later, was apparently denied. This goes beyond me getting my money back, this is a blatant crime!
Product: Checking or savings account

On XX/XX/XXXX, XXXX {$29.00} charges were made to my card due to phishing sites stealing information. I called customer service and explained the situation and asked the bank to freeze my account and card. Customer service said they would send me a new bank card and could unfreeze the account after seven business days. But when I opened the new card I found out that my account was permanently canceled and the {$16000.00} in the account would be sent to me by check. 

Every week after that I called my bank 's customer service or even went to the business office to inquire about the situation. But everyone told me something different each time, even on XX/XX/XXXX a customer service agent promised to send me a check in five business days but I have not received it yet. Today, XX/XX/XXXX, I called again and was told that my account was still under review and there was no way to know how much longer it would take, with a very impatient attitude. 

I'm in a hurry because I haven't been able to pay my tuition because of this. This is my last semester and if I can't pay my tuition by the due date I won't be able to graduate properly.
Product: Debt collection

I was garnished by a collection agency that I did n't even have a chance to answer their claim against me. I received notice from my employer just before the XXXX garnishment on my paycheck when I checked on the debt, it 's with XXXX companies I did n't have an account with. XXXX of the original bills was from 2004. I received the court documents 1 month AFTER it was submitted to the courts AND after my garnishment began. They have my name spelled incorrectly. The judge who signed off on the garnishment is an XXXX Judge, I live in XXXX. The debts they claim I owe are over 10 years old. The Attorney is XXXX, XXXX and XXXX XXXX XXXX in XXXX XXXX. I do not feel I owe these debts. I have never owned a XXXX credit card or a XXXX phone account. The court Case number is XXXX The Collection Agency is Asset Acceptance , LLC.
Product: Debt collection

I was under the understanding that medical bills weren't supposed to go against credit I am on a limited income and told keybridge i couldn't pay amount they said needed. They act like it was my problem nothing else they would do about multiple accounts and a different amount acceptable to them
Product: Debt collection

I received a call on my cellphone today, from a company, who 's telephone number is ( XXXX ) XXXX " Unknown Name '' on my caller I.D., claiming that I owed {$890.00} plus change, to Bank One. I never knew Bank One existed, let alone ever having a credit card with them. The caller, first a man, then a woman, knew my social security number, as well as my XXXX XXXX XXXX How did they even get this information?
Product: Debt collection

Reviewed most recent credit report and I noticed a collection that did not belong to me. After reaching out to the creditors, I was advised to contact the XXXX  to have the collection disputed and investigated as they do not have the ability to do so. After contacting the XXXX  I was meant with push-back even though I expressed the collection in question did not belong to me. 

Under code 15 USC 1692g, 15 USC 1692c & 15 USC 6802 this is a clear violation of inaccurate reporting. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and ability to obtain new credit to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Throughly a buyout lease ( finance ), I completed the payment of XXXX XXXX on XXXX. 
After completion of full amount, Kia Motors Finance sent me damage title that was declined to DMV because it represents a documents. 
On XXXX request duplicate and the Kia Representative stated that a new tittle would be sent. 
On XXXX, resubmit the same request and I was advise that it would be mailed to me. 
On XXXX, called again and I was mistreated by the representative and I was accused of tear the tittle that was tear by kia and amended by Kia with their reference tape. 
On the same date, spoke with a supervisor who advised me to sent returned the title to their tittle department and advised that in 6 weeks the replacement would be sent to me. 
As per their instructions, the Tittle was delivered on XXXX On XXXX spoke with another representative and find out that absolutely nothing has been done. Once again I submitted another complaint ( Complaint XXXX ) and for the first time a request # was provided_ Request # XXXX. At time, I was advised that a representative would reach out to in a week. 
I havent heard from Kia Motors Finance until today and financial institution that I dealing with has increase my Car loan APR from 4.8 % to 18 %.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  collection company XXXX XXXX XXXX was charged off in XXXX have requested the 1099c to support the charge off and it has not been sent. I have also requested proof I owe this collection company XXXX XXXX XXXX and I havent received it. I have disputed this account as well with the credit bureau and it comes back verified or updated. According to the Fair Credit Reporting Act ( FCRA ) and Code 15 U.S.C. 1681e ( b ), income that has been reported to the IRS via a 1099-C can not also be reported as a delinquent debt on a credit report. This is further supported by the ruling in XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX collection company has now served me with a suit. I will be providing answers to the suit. I am attaching documents of the suit stating they are XXXX XXXX XXXX and not XXXX as they are claiming.The suit petition and attorney notice account numbers match each other in my attached documents. They cant act as if they are XXXX because they bought my account from them. # XXXX. I have no financial business with this company. This is misleading and false representation.
Product: Prepaid card

I received an Amex {$50.00} card for the holidays as a gift. I have been unable to use the card online or in person. The card has been declined everywhere, despite the fact that the card has been activated, and in checking repeatedly, the full amount remains on this card.
Product: Debt collection

I had an XXXX auto insurance plan for a few years and made monthly payments. I had shopped around and I ended the auto insurance plan on XX/XX/XXXX prior to due date of monthly payment and obtained a new plan with a different company. I contacted the company several times letting them know. They continued to send monthly statements for an policy that I ended. I would have to call them and report the same thing over and over. On XX/XX/XXXX I received a letter from collection agency regarding the remainder of the policy. The letter was dated XX/XX/XXXX. I have contacted the company in writing disputing the charges.
Product: Debt collection

Portfolio Recovery put information on my consumer report claiming I owe them money. I never had any type of contract with them and I didn't even know they claimed I owed them money until I tried to get a house and was denied! I talked to the bureaus to find out what was going on and they said Portfolio said I owed it. I asked them to show my proof and they sent some statements from XXXX XXXX. I read online that they're supposed to notify that they are attempting to collect a debt when they first contact me, they did not do that. I also sent them a letter telling them to cease attempts to collect if they don't verify and validate the debt according to 15 USC 1692 so I'm refusing to pay according to my rights and demand that they remove it from my report.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$550.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I logged into my Cash App account intending to purchase stocks for the first time. Although I have used Cash App for several years, this was the XXXX time I was required to verify my identity. During the verification process, I inadvertently entered an incorrect Social Security number due to a typo. 

Upon realizing the error while reviewing my information, I contacted Cash App customer service to request a correction. I was informed that it is impossible to update or correct this sensitive data once it has been entered. The only solution offered was to create an entirely new account, which would require me to abandon my current account and username, despite years of history and transactions tied to it. Additionally, Cash App stated that they are unable to delete or modify the incorrect information stored in my account. 

This response raises significant concerns regarding data practices and potential violations of data protection regulations, including but not limited to : - Inaccurate Data Correction : Denying users the ability to correct their own personal data may violate the principle of data accuracy under laws such as the California Consumer Privacy Act ( CCPA ) and the Delaware Online Privacy and Protection Act. 
- Data Retention Practices : Stating that they can not delete sensitive information contradicts the right to erasure outlined in privacy standards like the General Data Protection Regulation ( GDPR ). Although the XXXX applies mainly to the XXXX, it is an important reference for global data protection practices. 
- Accessibility and Usability : This rigid process could be seen as an accessibility issue, particularly for individuals with XXXX or motor control challenges, as there is no safeguard or verification step to confirm sensitive data entries before they are finalized. 

I respectfully request your assistance in investigating this matter and ensuring that companies like Cash App provide reasonable solutions for correcting sensitive information and improving their data management practices to align with consumer rights and data protection standards.
Product: Vehicle loan or lease

On XX/XX/2024 i submitted an application for a consumer creditor transaction to extend credit to Bank of America for a {$50.00} business auto loan. A few hours later, I received an email that my application was not approved but denied. I immediately contacted the underwriter/ credit analysis in regards to why I was denied. After hearing the determining factors from XXXX requirements. I then stated that Im the original creditor in this consumer creditor transaction and that none of those reason were valid for a denial. I then stated that the mere submission of the application was the promissory note that granted the credit or tendered payment! I gave Bank Of America the application for exchange of credit and I never received anything!
Product: Vehicle loan or lease

Sandtander Consumer USA LLC is the auto loan account holder for a XXXX XXXXXXXX XXXX in XX/XX/XXXX that I purchased. They are practicing a Rule of 78 's & Rule of 72 's loan which is prohibited in the USA & XXXX. 
Sandtander Consumer USA LLC is violating 15 US Code 1615 Prohibition on use of " Rule of 78 's '' in connection with mortgage, refinancing, and other consumer loans. 
They are utilizing daily compound simple interest, and prioritizing the simple interest & penalizing me the consumer for additional payments by applying additional principal payment funds to the daily simple compound interest. This practice was outlawed in XXXX in USA, and XXXX in XXXX is prohibited in the USA.
Product: Credit card or prepaid card

My name is XXXX XXXX. I sent Navy Federal Credit and there registered agent a billing error notice. As a consumer they fail to apply a credit that I am due, and also they withheld this information from me. Pursuant 12 cfr 1026.13 this constitutes as a billing error .Navy Federal Credit Union is notorious for shutting down consumers accounts due to us exercising our consumer rights. Pursuant 12 CFR 1026.11, when a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall credit the amount of the credit balance to the consumer 's account. Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer. Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. Also in my letter I stated what they can and cant do to the consumer. I feel as Navy Federal has taken a advantage of me for a long time. They withheld this information while I was paying them when I was due a credit. They same letter was also sent to The Alabama Attorney General.
Product: Credit reporting or other personal consumer reports

I saw that unauthorized inquiries was placed on my credit report and I have no idea why. Please check the supporting documents to further understand my point.
Product: Debt collection

On or about XX/XX/XXXX, I received a call from XXXX at Financial Assistance XXXX Inc., saying " this is an attempt to collect a debt '' for XXXX. I was in California, watching my mother XXXX, when she called. I do n't remember everything I said because I was distraught ; but I do remember her saying she would call back in 2 weeks. After my mother passed and I returned home I received a kind of rude letter from her. 
I do n't even think I owe this money anymore because my credit report states : " Charged off as bad debt. Profit and loss write-off ''.
Product: Checking or savings account

I will have to further go into detail and investigate certain dates which I will be more than likely to provide once we continue to the next step its more than one occasion where I get an overdraft fee