23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I traveled to a used car dealer in XXXX. I filled out a soft pull application which stated it would not affect my credit. The dealer then proceeded to make an unauthorized hard pull of my credit. I received the alert and told the dealer that I do not want my credit pulled. He then tried to get me to sign a credit application which I refused. After several attempts for them to fix the problem, they finally admitted the credit pull was done by mistake and they would send a letter to the credit bureaus. I also deputed the inquiry to Equifax. I provided the communication between the dealer and myself. Long story short.nothing has changed. Equifax states that they investigated it, which has to be false since they said everything is factual when it is not. They continue to disregard my proof without telling me why. 

Regards, Complainant
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting or other personal consumer reports

I dont recognize these companies that have posted hard inquiries on my credit report. I dont know who they are and Ive never given them permission to use my personal information. Please kindly remove the hard inquiries mentioned below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FACTUAL DATA Open XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to the credit bureau about the issues that needed to be fixed. I sent in everything that they asked for several times for months. The items are still showing. I am again sending what they asked for. It has been going on for months.
Product: Student loan

I was enrolled in XXXX XXXX College in XXXX, PA in XX/XX/1999 through fraudulent means. My mother and father signed the paperwork for financial assistance ( Sallie Mae ) without understanding anything ( they don't know English ). The career advisor did not know XXXX and it was never translated so that my parents would understand what they signed. The advisor was using aggressive selling tactics. I was supposed to earn an XXXX Degree in 18 months but they closed and I was unable to use any credits to transfer to other colleges ( they said they were transferrable ). I was, in turn, stuck in a loan at a high interest rate with Sallie Mae without even getting my XXXX Degree. 20 years later and I now owe over 60,000 ( they sold the loan to Navient ). XXXX XXXX College was sued and many students got relief. I am in dire need of relief from this loan.
Product: Vehicle loan or lease

Back in XXXX usaa had informed me that they had given my loan to a different company, this was done without my consent. In mid XXXX usaa sent me a demand letter wanting over {$4200.00} or they would repossess my vehicle. They were trying to tell me how this was a good thing and theyd wipe all bad reporting on my credit report if I paid them. I called to pay and usaa was now demanding {$4900.00}, usaa was not flexible with the amount. I paid and USAA has yet to fix any credit errors. Usaa has been nothing short of deceitful, your agency has fined them and you need to look into them again. They prey on and hurt veterans. They make unreasonable demands and dont hold their end up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the fair credit reporting act XXXX account # 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 AACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 166B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPENEND CONSUMER CREDIT PLAN AS LATE FOR ANY REASON
Product: Mortgage

In XXXX XXXXI tried to refinance my home with RP Funding, I talked and email with XXXX XXXX. The deal didn't go through and he told me that I would get the {$500.00} that I paid for the appraisal back. After that, the communication stopped, I call XXXX, the company, one time one employee tried to transfer the call to XXXX 's supervisor with no luck, I sent emails and call last time when somebody said that a manager would be calling me. I still don't have my XXXX back and nobody get in contact with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making this complaint of my own accord and do not consent to XXXX verification in response to KAY JEWELERS reporting inaccurate information to XXXX of the many credit reporting agencies. I have contacted KAY JEWELERS to produce proof pursuant to rule 1002, of an original contract. It has been more than 180 days and XXXX, XXXX, and XXXX are still reporting erroneous information on my consumer report. I never received full disclosure from any of the companies mentioned that my personal non public information would be used in this deceptive way. Pursuant to 15 USC 1692g I am to be provided with the correct validation by KAY JEWELERS of a " debt '' the alleged is " owed ''. Given that I have contacted not only KAY JEWELERS but XXXX, XXXX, and XXXX more than 180 days ago to dispute and have them correct their error, 15 USC 1692g ( b ) subsection ( a ) states that they should cease and desist all communications, verbal and written until the disputed " debt '' is validated.15 U.S. CODE 169f. Unfair practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the " debt '' or permitted by law
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. 

XXXX XXXX XXXX- acct # XXXX has violated my rights XXXX XXXX XXXX- acct # XXXX has violated my rights XXXX XXXX XXXX acct # XXXX has violated my rights XXXX XXXXXXXX XXXX- acct # XXXX has violated my rights XXXX XXXXXXXX XXXX- acct XXXX XXXX has violated my rights XXXX XXXXXXXX XXXX- acct # XXXX has violated my rights XXXX XXXX XXXX acct # XXXX has violated my rights XXXX XXXX  acct # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights US Dept. of education- acct # XXXX has violated my rights US dept of education- acct # XXXX has violated my rights XXXX acct XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Unlawful Reporting by Credit Bureau Dear Consumer Financial Protection Bureau ( CFPB ) Team, I hope this message finds you well. I am writing to bring to your attention a significant issue I have encountered with a credit bureau regarding their reporting practices, which are in violation of the Fair Credit Reporting Act ( FCRA ). 

I recently sent a formal request to the credit bureau for the removal of negative accounts, some of which were identified as fraudulent, from my credit report. Despite my clear instructions and legal rights under the FCRA, the credit bureau has failed to comply with these requests. They continue to report derogatory information that lacks proper evidence, physical verification, and certification, which is a direct violation of federal law. 

Furthermore, I have requested evidence supporting the existence of certain items on my credit report, such as contracts, notes, or documents bearing my signature. Instead of providing this evidence, the credit bureau has resorted to sending standardized response letters, further indicating their disregard for my rights as a consumer and their obligations under the FCRA. 

I insist on the immediate removal of these unlawfully reported allegations and request a thorough investigation into the credit bureau 's practices. I also seek disclosure of the names, addresses, and telephone numbers of each credit grantor or subscriber associated with my credit report. 

As per federal law, I understand that the credit bureau has thirty ( 30 ) days to conduct a re-investigation. Within fifteen ( 15 ) days following the completion of this re-investigation, I request a detailed description of the procedures used to determine the accuracy and completeness of the information provided in my credit report.

I believe that by addressing these issues promptly, we can ensure fair and accurate credit reporting practices, benefiting consumers and upholding the integrity of the financial system. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

They first called me about a friend of mine. I could not help them. Then they started combing my socials calling people Im connected to asking for me!!! I have no debt with these people. I never took out a loan with Ally Financial. They need to stop. Friends are reaching out to me concerned and worried.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX acct # XXXX, XXXX  acct # XXXX, XXXX XXXX  acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX has violated my rights.

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer 15 U.S.C 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the called number
Product: Checking or savings account

In XX/XX/2024 I opened up a contract with XXXX rental agency utilizing my debit card to complete the transaction. A pre authorization hold of {$500.00} was placed on my debit card. As I extended my rental more pre authorization holds were placed on my account. I called both XXXX and the bank to ensure that I would not be double charged for funds that were already pulled from my account that I could not utilize while they were on said hold. I was told by a SOfi banking representative that once the car is returned the authorization holds would be pulled and utilized towards the bill from XXXX. I returned the vehicle on XXXX. On XXXX I noticed my bank account was negative {$1300.00} the exact balance plus {$300.00} that was put on authorization holds from XXXX and the bank. It has been XXXX  days since one hold has been released. When I contacted SOfi they told me there was nothing that they could do that they could not release pre authorization holds. There was an issue with at least one transaction where I did not approve of the amount. Im now forced to wait until the end of XXXX before I can dispute that transaction. Ive used XXXX different debits cards and never had to wait more than 7 business days for the pre authorization holds to be released. Now my account is- {$1300.00} ( {$1300.00} thats sitting as a hold on the account mind you After filing a complaint already I received a pre written response, the same response that I had gotten from multiple agents at the banking center before my complaint was closed with no action or answers. XXXX has stated multiple times that they are not responsible for releasing funds it is up to the bank. This is insane that a company can keep funds for over 40 days once a contract has ended, and admit to doing so without any repercussions. So-fis response states that they would release the funds once the authorization was lifted and XXXX is saying it has been lifted so clearly no one is communicating properly or willing to actually do any investigation
Product: Debt collection

NOTICE FOR REQUEST OF INFORMATION AND DELETION & NOTICE TO CEASE AND DESIST INTENT TO SUE PLAINTIFF : XXXX XXXX XXXX DEFENDANT : JEFFERSON CAPITAL SYSTEMS # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX RE : ALLEGED ORIGINAL CREDITOR XXXX XXXX XXXX XXXX ALLEGED ORIGINAL CREDITOR ACCOUNT NUMBER : XXXX ALLEGED DEBT AMOUNT OR BALANCE {$550.00} CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX DEAR XXXX JEFFERSON CAPITAL SYSTEMS STOP XXXX THE FDCPA XXXX XXXX EXHIBIT XXXX : I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT. 
ACCORDANCE TO 15 USC 1681s-2 ( a ) ( 7 ) A ( i ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE DELETE THIS ALLEDGED ACCOUNT FROM MY CONSUMER REPORTS IMMEDIATELY. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY SIGNATURE EXHIBITA2 : I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I REVIEWED MY CONSUMER REPORT. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE-LISTED ALLEGED DEBT IN ITS ENTIRELY. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES ( CRAs ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST ABOVE IN EXHIBIT A1 AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED DEBT FROM MY CONSUMER REPORT. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY. 
SINCERELY, XXXX XXXX XXXX XXXX WITHOUT PREJUDICE
Product: Debt collection

I.C. SYSTEM INC Account Number XXXX Dear I.C. SYSTEM INC, I am writing to dispute the debt collection notice I received from your company dated XX/XX/year>. According to the notice, I owe {$1700.00} to XXXX  However, I am disputing this debt for the following reason ( s ) : I.C. SYSTEM INC is violating your consumer rights by using false misleading, misrepresentation and deceptive means. I.C. SYSTEM INC has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) I was XXXX  at the time the account was open In support of my dispute, I am attaching the following documentation : Letter Of XXXX  I request that you immediately investigate this matter and cease all collection activity until the dispute is resolved. Please provide me with written confirmation that my dispute has been received and is being investigated within 30 days, as required by the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I request the following information : The name, address, and phone number of the original creditor. A detailed breakdown of the charges and fees associated with this debt. Any evidence you have that I am legally obligated to pay this debt. Please be aware that if you fail to validate the debt or continue collection activity after receiving this dispute, I may pursue legal action against your company. Thank you for your time and attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi CFPB customer care With American Express credit card account number XXXX, I requested that my funds were going towards my mother medical bills during 2022 and my grandmother died and I have to cover funeral cost hence I would be behind some payments but I was paying them even then closed my credit card account with out any considerations, I have been their loyal customer for very long even then they closed and my account. I requested American Express during 2022 via many good will letters to remove late payments as well reopen my credit card even then they have closed my account even after telling my situation and their reason was funds were not their and returned payment happened hence they closed account but when I called them and told them that I have told the situation earlier they did not care about it and even my funds were available at that time still closed my account, I have tried hard to reinstate my credit cards with them as well remove late payments on credit reports, kindly help me in removing the remarks Account closed by grantor '' and also kindly remove worst payment status remark as well on XXXX, XXXX AND XXXX XXXX reports as well late payments reported in XXXX, XXXX AND XXXX CREDIT reports associated with American Express card account .please consider my request as I feel my future goals are being stopped which is very dissatisfying and I am feeling stress with lack of motivation.
Product: Debt collection

I confirmed when I made my last payment that I didnt have any outstanding balance prior to switching to XXXX from XXXX. XXXX contacted me months later claiming I owed {$410.00}. I disagreed and they placed it on my credit reports as a collection through XXXXXXXX XXXX company in XX/XX/year>. I disputed and had all XXXX removed. XXXX has now placed the same debt that was already disputed and removed on my report again with Credence Resource Management XXXX another collection agency. Furthermore, the collection companies that reported the debt to the credit bureaus have NEVER contacted me about this bogus debt!
Product: Student loan

I applied for the income driven program during the process of a year with not having any payment due, my interest rates accrued at a ridiculously high rate. After calling several time inquiring about the rates they said that it was nothing that they could do. They are very rude and not willing to help. I asked them about the option to work on payin my bill down and they basically offer m rte ft paying {$150.00} for month and XXXX for the remainder months.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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: Credit card or prepaid card

TransUnion charged me XXXX to give me credit score. Although I admit that it was written in fine print which I overlooked. But I do not see the transaction in " my orders '' page when I log into TransUnion. However, I do see two XXXX transactions on my XXXX credit card by TransUnion on the same day. 
Not only that, I'm having to change my password Everytime I try to log in. 
I believe my account on TransUnion has been compromised. Even if I did accidentally subscribe to get a credit score, it would not explain two transactions and login errors.
Product: Debt collection

Hi! 

I keep getting phone calls regarding a company/ bank called Barclay . I have no idea what that bank is. So, I tried to reach out to them a few years ago, but they keep transferring me to different places. I dont know if they know what they are doing. I first notice my credit card score was declining and I have no idea why since I almost always pay my bills on time. Then, I notice a weird name on one of my credit card report Barclay. Thus, I believe my identify must have been stolen. How do I go about on resolving this issue since the company has not done anything about it and I keep getting bombarded with callers for debt collection? Thank you! 

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