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 account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 card or prepaid card

I bank with USAA and they are holding me liable for charges that i do not make. I have had my credit cards stolen over the course of a few months due to my negligence. I am the type of person to always forget something behind, with that being said, i still should not be liable for charges that were literally not made by me ( the cardholder ). Please look into this matter because they are charging interest, but i will not pay for fraud charges. I have called USAA fraud department numerous times to discuss the matter, i feel like nobody is out to help me. I don't even know if someone has access to my accounts due to me losing my wallet with all my personal information, giving them access to all my records. There is charges on the account that even say " afghan international ''. I am located in XXXX XXXX, Texas.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Amount : XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} Date of Account : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is unwilling to help me with login problems. I have called in 6 times and held about 7 hours. 5 representatives disconnected me. Another rep told me to call a different number who after holding for 45 minutes also " disconnected '' me. No one will help me with this problem or my freeze problem. I can not talk to a supervisor because the one person I connected with in 7 hours would not forward me. I can't apply for a savings account because I can't unfreeze my account or my husband. When I login I get a message to call, but when I call Equifax people are constantly hanging up and not calling me back, because they say they don't have the capability
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I made a payment to my credit card with Citizens Bank. It covered the entire balance due. When reviewing the activity on my Citizens checking account, XX/XX/XXXX, I didn't see a payment pulled and around XXXX and accidentally made a double payment to the account. 

Soon after I called Citizens and asked them to remove the double payment, knowing that it could cause an overpayment in my checking and issues with vendors. I called the credit card number and they said sorry can't do anything, XXXX, call back when it clears. 

It cleared on Tues and I called them, then they said 3-5 business days. 

What I think is egregiously illegal is they should be aware and follow Schedule E. They slapped multiple overdraft fees on the account on Wed. It's their bookkeeping error and have still refused to correct the problem. From my research thats a clear violation of Schedule E. 
( An employee left a VM on Tue and acknowledged the problem, so, no, they weren't researching anything. I have a lot of data to prove my contention ) While I don't like the stress and inconvenience, my hypothesis is that they harm others that can't stand up to them. 

They probably make billions of dollars and won't care about extra money that they have to pay to account for their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a Credit Karma customer for many years. I believed them when given my credit score. It turns out that it is very inaccurate. I have also in the past applied for credit cards from their application, due to messaging stating I am pre-approved. Turns out, they were wrong. I didnt get the credit cards, and in turn decreased my credit score even more with multiple hard inquiries. I became a Credit Karma member around XXXX  to improve my credit, but the opposite happened. 
XXXX XXXX XXXX XXXX.
Product: Debt collection

Regional Finance continues to attempt to collect an alleged debt after being put on notice via certified mail and the cfpb. This entity is causing emotional damage to my well being. This entity continues to furnish an alleged debt after being put on notice of my right to opt out of the sharing of my non public personal information. Regional Finance is ruining my general reputation. I have requested verification of the alleged debt and none has been provided. I have requested the original creditor name and address and it has not been provided. A copy of a judgement against me has not been provided either. This alleged debt has been in dispute since XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan through XXXX  XXXX, they have AES servicing my parent loan for my daughter. The problem is my loan documents state XX/XX/XXXX at my start date to start paying interest. They somehow say they have another loan document that I did not sign or ever see when I had called showing it was to start I believe XX/XX/XXXX. I only found out when I started getting emails on XX/XX/XXXX that I have a negative mark on my credit report it was showing over 70 days past due. How can I be past due when interest payment were to start on XX/XX/XXXX. I never received any bill in the mail that anything was ever due. I also never received a voicemail about a late payment. When I had called they told me I was signed up on electronic statements. The lady I spoke to didn't know how I was signed up for electronic statements when I didn't or couldn't even create an online account. I couldn't at the time after I found out about late interest payments create an online account because somehow they had my last name as my maiden name instead of my married name. I sent a letter to them and received the response back that they will not correct my credit. I feel they charged me interest payments that were not due at the time. It was stated that 60 days from the loan that interest charges were to start.
Product: Credit reporting or other personal consumer reports

I also forgot to mention these XXXX oth inquiries in my last report because I did not know how to my reference for identity theft to the FTC is XXXX, I home this can be resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I'm emailing you because my credit report contains inaccurate information. Regarding this, I've written to XXXX, XXXX, and EXPERIAN. Well, none of them try to fix the situation in any way. As additional identification, I provided them a copy of my passport and my social security card. 

Please assist me in finding a solution. I've been under a lot of stress because of this issue. 


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

In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXXXXXX ( XXXX ) ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXXXXXX ( 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.
Product: Checking or savings account

I want to know why there is a preauthorized debit for the amount below when nothing was pre authorized. Also, effective immediately, Citizens bank must stop informing others that you are the bank of record as I believe the below is related to that. There is no pre authorized debit for this amount below. Where are you getting your information from and why was the below debited? Would be great if someone can provide customer service.
Product: Debt collection

I started making payments through the online website XXXX for a debt that was owed. When I made the payments to them they provided a collection company Astra my credit card information and the company withdraw XXXX from my account without my permission. I spoke with both companies about the unauthorized charge, and they state there is nothing that can be done after money was taken fraudulently. I never setup an agreement with Astra or spoken with them about the case. The funds should be placed back into my account, because Astra received information that should not have been provided to them to collect a debt. XXXX states on every call they no longer have the case, and everything was done by their 3rd party company. If this was done to me I know it 's being done to others trying to repay debts that are owed.
Product: Credit reporting or other personal consumer reports

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Included also, all the information required by sections 1637 ( b ) of title 15.

If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified in the bottom ( lacking reasonable procedures to ensure the accuracy of my account ) and i would timefore request that you remove the late payments from my accounts and consumer report with the following consumer reporting agencies and updated the accounts to positive. 

The accounts are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

To whom it may concern, I have stuff on my credit report i 'm disputing that does not belong to me, the collection Agency and creditor will not send me a copy of the signature, they say is mine, which is not mine. I all XXXX collection agencies could not find anything so they told me to dispute it with CFPB, this week i will mail you all the info, they said its listed as mark but i do not go by XXXX i go by XXXX. MCM ( Midland ) will not send me a copy of the signature, and threaten me they are going to turn it over to Attorney. Thank you, XXXX XXXX email XXXXXXXXXXXX XXXX
Product: Debt collection

Constantly calling saying I better pay or jail time when I looked them up they don't have a license in Michigan to collect debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account, filed a police report, and submitted a FTC complaint. I recently pulled an XXXX  credit report, upon reviewing my credit report in XX/XX/XXXX, I noticed a XXXX XXXX  XXXX mortgage account # : ( XXXX ) balance : {$430000.00} opened XX/XX/XXXX this is either a mis-print or a fraudulent account. There was also a host of inquiries as well included here : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX XXXX ( XX/XX/XXXX ) & ( XX/XX/XXXX ), XXXX XXXX   XXXX ( XX/XX/XXXX ), XXXX/XXXX  ( XX/XX/XXXX ), XXXX   XXXX XXXX  XXXX  ( XX/XX/XXXX ), XXXX  XXXX  XXXX  XXXX  ( XX/XX/XXXX ), XXXX  XXXX XXXX  XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) I did not apply for credit with any of these companies nor have allow anyone else to use my credit or social security number to apply for credit with these companies.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the electronic funds transfer act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor has violated my rights for this account : XXXX XXXX XXXX XX/XX/2011 XXXX and Equifax claims 3 late payments while XXXX does not. 
This inaccurate information must be deleted immediately. 

Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy. 

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent. 

[ 15 U.S.C 1666B ] A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - I financed a XXXX XXXX XXXX for {$18000.00}. I put {$1500.00} down which reduced the finance to {$16000.00} XXXX XXXX of Santander Consumer USA informed me of payments being sent were not processed as they should be because some payments were sent to XXXX and others in South Carolina. He informed me the payments had been rectified and would be placed on my report correctly, this was Thu, XX/XX/XXXX XXXX XXXX. 

Two years later, I was granted a hardship Re : Temporary Reduction in Payments on XX/XX/XXXX : SEE BELOW : Dear Your Temporary reduction in payment plan has been approved and processed. Your next 6 payments will be in the amount of {$280.00}, with the first payment due on XX/XX/XXXX. 

My payments are due on the XXXX of every month, I always pay early and I send payments via overnight delivery most times and sometimes I go in person to XXXX and pay the {$2.00} express processing fee for same day payment. Yet they are reporting me 30 days late effective XX/XX/XXXX and they cashed a check which cleared my bank account drawn on XXXX, XX/XX/XXXX. I overpaid the amount required. in the amount of {$300.00} XX/XX/XXXX - XXXX  of my family members were killed  tragically in a car accident XX/XX/XXXX - I contacted Santander and they extended the payments for the above mentioned amount through XXXX. They have not kept their end of the agreement and have breached and lied. They are reporting late, yet cashing the checks before they are due. Which one is it? I signed the e-agreement and they honored it. My balance on the car is {$13000.00} - but they are adding fees that are not just. The car was only {$16000.00} and I paid $ XXXX  monthly for the first three years. I only got a reduction in XXXX and they are giving false amounts to the credit bureaus. XXXX XXXX, XXXX I paid {$240.00} for XX/XX/XXXX at XXXX in XXXX XXXX, XXXX XXXX XXXX, XXXX I paid {$350.00} @ XXXX XXXX XXXX . This is proof I am never 30 days late, in fact I am early. Again, the payments are due on the XXXX of each month. 


Santander Consumer USA Inc. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$280.00}
Product: Credit reporting or other personal consumer reports

I am sending to formally notify you of potential fraudulent activity related to my items. I believe that unauthorized transactions have occurred, and I would like to dispute them immediately. Below are the details of the items in question and the fraudulent activities I am disputing : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I'm filling this complaint because my Consumer Rights are violated. I have made this credit reporting company aware of the violations. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Thanks in advance for your assistance in this manner.
Product: Checking or savings account

My name is XXXX XXXX I need XXXX {$100.00} case number XXXX my dispute to be reopened because I didnt receive my order and I have called the customer phone number at XXXX but they say they denied my dispute and I also want want yall to reopen my disputes because I disagree with the decision and reinvestigation the dispute or open a new dispute for the dispute and investigate it or change the dispute so I can get my money back for the denied dispute or give me a credit for the denied dispute for {$100.00} online bank username is XXXX please contact me at XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB And here you go XXXX payment Confirmation : XXXX
Product: Debt collection

In XX/XX/2019, there were 2 payments that were automatically drafted in my bank account of {$100.00} each. I called Burton Neil and Associates to explain the situation and my Blended Case Manager was with me when we both talked to a Mr. XXXX XXXX. XXXX XXXX stated that there would be a check mailed to me in the amount of {$100.00} and it never came. Then, XXXX XXXX XXXX, mailed me a letter on XX/XX/2019 explaining that a deposit of {$100.00} with the check number XXXX will be deposited into my account when in fact it was a withdraw for {$100.00} with the {$100.00} refund deposit still uncountable for. Now I am very stressed and worried where this {$100.00} is THAT HAS BEEN PROMISED IN WRITING.
Product: Vehicle loan or lease

Capital one has settled this debt the car has been sold for parts and loaner paid the difference. Capital One continues to submit false complaint against loaner.
Product: Debt collection

I SEE that a collection for : SKAGIT BONDED COLLECTION   XXXX   XXXX   XXXX     XXXX   XXXX  , WA  XXXX  Appears on my report.
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I DO NOT HAVE ANY CONTRACT with SBC as they have not ORIGINAL WET INK SIGNATURE WITH ME.
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You have successfully helped me on past issues like this whereby the collection company has REMOVED the collection.
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They have not contacted me either by mail or phone and I have no contract with them proving I OWE THEM ANYTHING.
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THEY ARE NOT the CREDITOR,   XXXX   XXXX   XXXX   IS and since they BOUGHT the DEBT, that 's THEIR PROBLEM, NOT MINE.
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THE CFPB has set precedent in my case, three times, in past requests, where they FORCED a COLLECTION AGENCY to remove their INTRUSION on my credit report with FALSE information.
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HAVE THEM PROVE they have an ORIGINAL WET INK signature of mine and I 'll pay them. The WET INK SIGNATURE MUST BE ON THEIR LETTERHEAD stating I OWE THEM the stated AMOUNT and for what reason. I OWE THEM NOTHING!
Product: Credit reporting or other personal consumer reports

I was stunned this morning to see incorrect accounts listed on my credit report, with no explanation for why theyre there. I routinely check my report, but this time, out of the blue, there were discrepancies. I refreshed my browser, hoping it was a technical issue, but the inaccurate accounts were still there. I am now requesting a thorough review of the documents I've sent, so I can finally put this stressful situation behind me.
Product: Money transfer, virtual currency, or money service

I waited for the IRS to deposit stimulus payments by direct deposit into my account and they did not arrive after months of waiting for them. When I asked for bank statements they refused to give them to me. My CPA advised me today that the payments were deposited to my account with RBFCU XXXX which was the financial institution that I was using at that time and that was several years ago. 
I did not receive the payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian have violated the United States Code 1681g - Disclosures to Consumers and United States Code 1681b ( 2 ) Permissible Purpose of Report. This is in violation of the FCRA. 

XXXX, XXXX, and Experian are reporting a XXXX XXXX XXXX, XXXX account on my consumer report, account number XXXX. XXXX XXXX has violated the FDCPA section 809 15 U.S.C. 1692g validation of debts. I sent XXXX XXXX a Validation letter XX/XX/2021. They have yet provided me with any validation of the debt as required under FDCPA section 809. This debt is deficient of Physical verifiable Validation. I never gave XXXX, XXXX, and Experian any written instruction nor permission to report the account on my consumer report. Per FCRA section 604 15 U.S.C. 1681b ( 2 ) clearly states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with written instructions of the consumer to whom it relates. I never gave XXXX, XXXX, and Experian any written instructions to report this account. XXXX, XXXX, and Experian have not sent me any contract between them and I which gives them permission to furnish my consumer report. This can be considered IDENTITY THEFT. XXXX, XXXX, and Experian keeps reporting this account as verified but has yet to send me any verifiable proof on how this account is verified. They have not sent me anything as required per FCRA section 609 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681g -Disclosure to Consumer. They are required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts that they post on a consumer report. Otherwise anyone paying for XXXX, XXXX, and Experian reporting services could fax, mail, or email in a fraudulent account. FCRA section 611 gives me the right to request an explanation of the verification method used by consumer reporting agencies. XXXX, XXXX, and Experian have not sent me the documentation used to verify the dispute. Under the FACTA SEC 312 ( b ) and ( c ) I request a copy of the records. If this account is not removed immediately I will seek monetary damages under the FCRA section 616 and 617 for willful and negligent noncompliance.