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

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement.

To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my TransUnion consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

2. The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ). 


15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

I have not initiated any transaction with XXXX XXXX Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Specified Remedy : Please send payment Via Check Payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX Yours Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received an email notice that my FICO score decreased by XXXX points. I logged into my Experian account to see why. There was NO new debt or derogatory information added to my account for me to see. 

I called Experian customer service on XX/XX/year>, for an explanation, and was told " Your credit score is determined by the information sent to us and we can not change that information ''. 

According to the documents I've attached, my debt has decreased and there is NO derogatory data submitted. There is NO reason for a XXXX drop in credit score.
Product: Debt collection

I was served court documents from cavalry spv I , llc on XXXX XXXX, 2024 they are stating I owe them money {$3000.00} and want to pursue legal action. I have never heard of this company nor do i owe them any money nor do I have any contract with them. 

I have attached forms as evidence this company and I have never done any contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, I notified each of the consumer reporting agencies, the secondary reporting agencies, XXXX card and XXXX  that several of my rights as a consumer had been violated. Both of these companies furnished accounts on my credit file without my written permission. I am also a victim of identity theft. It is required under 605 b of the Fair Credit Reporting Act that these accounts be removed and blocked from my credit file within 4 business days. I am demanding that these accounts follow 15 1692 c and cease and desist all conveying of information directly or indirectly to any person through any medium regarding these fraudulent accounts. Also XXXX and XXXX are committing tax fraud by reporting a charge off to my file. They are also reporting information that is not accurate or true.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to protect my personal information, rendering my identity vulnerable to compromise by unknown people
Product: Checking or savings account

My Wells Fargo checking account was violated by someone trying to scam me, something I've been very vulnerable to since I began an online search for small business grants and loans. Funds I desperately need as I am starting my own business. Unfortunately on XX/XX/XXXX I received a notification from a reputable company stating that I was eligible for a loan. However it was not who they presented themselves to but I didn't realize I was being scammed until after sending my bank credentials electronically. The reason I sent this sensitive info was for bank verification purposes only and I didn't realize the scammers would be able to the information because it appeared hidden as I filled it out. But there was Two checks deposited into my account without me being made aware as I told the scammers to cancel and immediately changed the sign in info when I knew they were fakes. At XXXX that evening Wells Fargo called told me of the checks, that they couldn't be validated, my account was in danger to be closed, and I should contact loss prevention. I spent several hours between the time they closed that night and the many times on Saturday I tried calling. This account is where my XXXX direct deposit is made. I was expecting to have it land in the account either Mon the XXXX or Tues the XXXX But because of the hold on the account Wells Fargo would only make it available on XX/XX/XXXX. However I was told by Loss Prevention to go into the branch with ID and withdraw all thats there and banker would finalize the account. I was not told I couldn't see anyone but the banker, not one of the tellers otherwise I would have made an appointment to do so. My neighborhood branch only employees 1 banker for a very busy, industrial area bank. I spent XXXX hours waiting just to be told by the banker she could only give my situation a few minutes that she spent on hold trying to connect with the same loss prevention department that kept me holding the line for hours. How cavalier the attitude of the people who are holding my money hostage. Not only did I not get my money on the XXXX of XXXX, but the XXXX left me without. I'm told after holding XXXX minutes that will have to wait until Monday the XXXX to get paid. To buy food, to pay bills some that were do to be paid earlier in the week. One in particular that I have now to pay a late fee for. How unprofessional and self serving can one bank be. There was no loss to Wells Fargo. Not one cent as they returned these fake chec. I the customer and victim am getting the worst of this stick and the loss prevention person could have released this money so that I could have cashed out at the ATM. In her words this has to be done by a human to prevent the harm to Wells Fargo. What about the customer? It's my money and this is costing me
Product: Debt collection

did not recieve anything too verify debt please help me with situation WESTLAKE FIN XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$230.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$9100.00} {$9100.00} {$9100.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$6800.00} {$6800.00} {$9300.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$9100.00} {$9100.00} {$9100.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. 
Charged off account Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

After departing the apartment complex where I used to live, XXXX at XXXX XXXX in XXXX, Ca., the move-out balance on my account was reported to XXXX XXXX XXXX, a Collection Agency, unfairly and inaccurately by XXXX XXXX XXXX XXXX . I was given false direction, in writing, by the XXXXXXXX XXXX manager at the time, XXXX XXXX, on an alternate method to terminate my lease, which was supposedly coordinated with XXXX XXXX Attorneys ( XXXX XXXX is XXXX 's management company ). After a couple months of following XXXX guidance on how to adequately terminate my lease, he was terminated from XXXXXXXX XXXX without my knowledge, the alternate option that he had proposed to get out of my lease was not honored, and I was charged {$4800.00} by XXXX XXXX XXXX XXXX, which is significantly more than what I really owed for my final statement. After numerous attempts to resolve this matter with XXXX XXXX ( phone calls were never answered, voice messages were never returned ), I communicated with XXXX XXXX XXXX  and paid them {$2000.00} ( C.N XXXX ), which is what I believed I owed XXXX XXXX / XXXX XXXX. I was told by XXXX XXXX XXXX ( XXXX was the representatives name ) that by paying the {$2000.00} amount, they would turn off credit reporting and investigate my account further, but this turned out to be false. XXXX XXXX still reported my outstanding balance to all credit agencies despite its inaccuracy and it now shows as delinquent on my credit report and my wifes. This is unfair collection practices by XXXX XXXX since they didn't bother to verify the accuracy of the information given to them by XXXX XXXX after I had inquired and complained about the inaccuracy of my final statement. 

The attached documents contain a full description of the story, with exact dates, amount owed, and actions taken.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a grievance regarding the recent data breach that has compromised my personal information. As a consumer, I am deeply concerned about the security of my data and the potential risks that this breach poses to my financial well-being. 

It has come to my attention that a breach in your system has exposed sensitive personal details, including but not limited to my social security number, my email, my address and other personal information. The unauthorized access to this information raises serious concerns about identity theft, fraud, and the long-term impact on my credit score and financial standing.

Credit Reporting Agencies are supposed to implement strong security measures to protect consumer credit information from unauthorized access and data exposure. These companies, Experian, XXXX and XXXX have failed to do this. 



The following information are discrepancies that I found on all 3 credit reports : XXXX : Names-XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts XXXX Late payments on XXXX  XXXX  accounts that are inconsistent across all 3 bureaus and no permission/consent given from me allowing this. According to UCC, once a company accepts payment for an account its like that late never happened therefore, should not be on my credit. 

Late payment on XXXX XXXX and XXXX XXXX that I didnt give permission/consent to be added to my credit report. Also, payment was accepted so it should not be on my credit report. 



XXXX XXXX NamesXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : Names : XXXX XXXX XXXX XXXX XXXX Accounts XXXX Late payments on XXXX  XXXX  accounts that are inconsistent across all 3 bureaus and no permission/consent given from me allowing this. According to UCC, once a company accepts payment for an account its like that late never happened therefore should not be on my credit. 

Late payment on XXXX XXXX and XXXX XXXX that I didnt give permission/consent to be added to my credit report. Also, payment was accepted so it should not be on my credit report. 

I expect immediate action to be taken in response to this incident, including the following : A description of the steps you are taking to mitigate the effects of the breach, including any measures to prevent future occurrences A request for a thorough investigation into the breach, along with notification of any third parties or organizations that may have been impacted. 

A clear timeline outlining when I can expect resolution and additional information regarding my compromised personal data. 

As a customer of XXXX, I have trusted your services to maintain the confidentiality and integrity of my personal data. Given the severity of this issue, I urge you to prioritize the resolution of this matter and ensure that I am kept informed of all developments. 

Please acknowledge receipt of this grievance and provide a prompt response outlining the actions you will take to resolve this situation. I look forward to your timely response and a resolution that safeguards my personal information moving forward.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, authorized this dispute to address multiple violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. My letter outlines instances where my rights as a consumer have been infringed, including inaccuracies on my credit report, unauthorized hard inquiries, and failure to validate or disclose critical information. Below are the main issues I identified : Failure to Verify Accuracy : As per FCRA Section 616, you accepted and reported inaccurate information about me without first verifying its accuracy, constituting willful noncompliance. This subjects you to potential civil liability of up to {$1000.00} per violation. 

Deceptive Practices Regarding Personal Information : In violation of FCRA Section 603 ( d ) ( 2 ) ( A ), you failed to inform me of my right to opt out of sharing my personal information, thereby engaging in deceptive conduct. 

Inaccurate Reporting of Accounts and Late Payments : Under FCRA Section 623 ( a ) ( 3 ), you furnished incorrect information on my credit report, such as false late payments and unverified accounts. This violates Generally Accepted Accounting Principles ( GAAP ) and my consumer rights. 

Unfair Debt Collection Practices : Violations under the Debt Collection Practices Act include reporting alleged debts without my consent and subjecting me to harassment by allowing contact from debt collectors based on inaccurate information.

Unauthorized Disclosure of Debt Information : Debt collectors improperly disclosed debt information to third parties, which contravenes regulations governing location information requests and debt disclosures.

Reporting Late Payments Without Clarity : Late payments were reported without clear definitions, leading to misleading and deceptive credit information. 

Incorrect Finance Charges : Finance charges were inaccurately determined, violating obligations as a credit reporting entity. 

Unauthorized Hard Inquiries : Information was accessed and reported on my credit report without my written consent, violating permissible purpose requirements under 15 USC 1681b ( a ) ( 2 ).

In response, I requested corrections, validation of debts, and removal of inaccurate entries, including unauthorized hard inquiries and incorrect personal information. Specifically, I outlined XXXX distinct entries that require immediate attention and resolution, citing the appropriate U.S. Code laws and legal precedents. I emphasized that failure to address these issues promptly may compel me to pursue legal action for your noncompliance. 

This is a clear and firm demand for compliance with consumer protection laws to ensure my rights are upheld and my credit report is accurate.
Product: Debt collection

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent the letters to XXXX credit bureau the date of the last letter was on XXXX XXXX XXXXXX/XX/XXXX. And now we are in the month of XXXX XXXX and still nothing from them, that means the 3 credit bureaus has NOT complied with the Fair Credit Reporting Act Law. REMOVE OR BLOCK THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00}
Product: Vehicle loan or lease

I have had trouble with XXXX since the beginning of this loan. First, there were blank portions on my lease copy. My car was totaled at the airport. I had to have a car. I was in shock but not stupid. I did not sign a lease with a blank space, but that is the copy they gave me. I have paid {$320.00} on a {$310.00} loan for years. I knew it would cut off a large amount but I have two payments left ( one on XX/XX/XXXX ) and another I am not sure when ( XX/XX/XXXX or XX/XX/2019 ). I requested a copy of the payments. The copy is wrong. I have had multiple problems with this 6 year overpriced loan on a base XXXX XXXX -- I think it may have been wrecked and fixed and sold as new. The bluetooth didn't work for 8 months until it was replaced. I complained each time I had my oil changed. I couldn't get a title when I moved back to Texas   from XXXX XXXX XXXX. The service departments in two states at various places in both states have treated me badly, even at the place I bought it near my hometown where I was visiting my mother when my car was totaled. Two dealerships in Texas didn't change the oil when I paid them after it turned 100,000 ; the first per a XXXX mechanic. At 120,000 it is burning oil even though it has been changed before time, and often at 3-4000 miles. It has been well taken care of, or at least I have paid to have it well-taken care of at the dealership. How do I get an audit of my account at XXXX? It is wrong. The sheets I have from them prove that.
Product: Credit reporting or other personal consumer reports

I am disputing 8 accounts on my credit report that are inaccurate and do not belong to me.

These errors are preventing me from securing funding for my business, causing serious financial harm. I request an expedited investigation and immediate removal of these accounts : XXXX ) XXXX XXXX XXXX, Account # XXXX covers 5 accounts- 2 accounts Open and in Good Standing, with 3 accounts Outstanding. 
XXXX ) There are 3 accounts under Direct Loans. Both are Outstanding and 1 is under account # XXXX, and the other 2 are under account # XXXX. 
These accounts do not belong to me and I have never lived at the address associated with them. As proof, these accounts are set to fall off due to the 7-year time limit next month in XXXX. I am requesting their immediate removal because they are erroneously impacting my creditworthiness and business efforts. Please notify me once your investigation is complete.
Product: Debt collection

I began receiving phone calls from portfolio recoveries concerning a XXXX credit card in the amount of {$1200.00} approximately the statement or Bill that was provided to me from this company for XXXX XXXX was for an individual with the name of XXXX middle initial XXXX and last name XXXX with an address in XXXX or XXXX XXXX I am a XXXX resident and have always been a XXXX resident as a child I lived in XXXX but as an adult I 've always lived in XXXX and employed in XXXX I 've never ever visited XXXX and I do not know anyone in XXXX and they are trying to collect a debt from me but someone else 's name and address my middle initial is XXXX.. I currently have XXXX credit accts with XXXX which are in good standing at this time I have no previous accounts that were unpaid with XXXX again my name is XXXX middle initial XXXX last name XXXX and my home address is XXXX XXXX XXXX XXXX and I 've been a resident here for approximately 20 years
Product: Debt collection

American Express has repeatedly called at least two of my relatives or associates without my consent. 

These tactics began aoproxinately XX/XX/XXXX and continue through today, XX/XX/XXXX. 

I lodged a complaint on the American website approx. XX/XX/XXXX, directing them to stop the communications to others, searching for me. I noted that I was not sure if the calls came from Amex or an impostor. Calls continued after XX/XX/XXXX, clearly stated by the caller, XXXX, from Amex,  from XXXX, and also from XXXX. 

I spoke verbally with XXXX on XX/XX/XXXX, directing him to end the communications to others in search of me. XXXX was hostile, continuing to talk over me as I was telling him to stop the hostile tactics. I stated that a complaint was being lodged against him and his company on this matter. His response that any complaint did not matter.
Product: Debt collection

I received a letter from the collections agency ERC dated XX/XX/2018 addressed to my address with an incorrect spelling of my name stating that I owe {$290.00} to XXXX XXXX XXXX. I have never had a XXXX XXXX XXXX account and do not owe this money. I do not want to contact this company directly for fear of them trying to get more information from me.