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

NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern, Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 
In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC
1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

account XXXX XXXX XXXX In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 that a consumer reporting agency can not furnish an account without my written instruction These rights have been violated by the following accounts being listed on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX  for over {$5000.00} and {$8000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX which was discharged
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 reporting or other personal consumer reports

IQ DATA INTERNATIONAL INC account # XXXX XXXXXXXX I am unaware of this debt. I didnt receive the opportunity to dispute this debt properly. I didnt receive proper notification of this debt. If in fact you believe you gave me proper notification as required by federal law, please send me the certified mail receipt with my name on it and signature validating that I received proper notification from you.
Product: Checking or savings account

Approximately a week ago I discovered fraudulent funds had been put into my credit card. These were my funds I earned after an investigation. The amount neared {$500.00} and earned almost {$200.00} in interest because they kept my money illegally. The investigation began XX/XX/XXXX and ended XX/XX/XXXX when they transferred the fraudulent funds to the credit which which they closed. The fraud occurred in the checking account - NOT the credit card. I confronted them about it and they laughed at me, the manager on duty and he said its our money good luck. 

Its not their money because 90 days had passed and no decision had been rendered which means a default judgment in my favor for the funds. Further, I found cases worth thousands of dollars they they did not protect me from at all and haven been forced to literally look over every change from the last two years. 
These cases would be considered a form money laundering because they were taking massive amounts of money in and out of my checking account.
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 anXXXX 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 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: Consumer Loan

On XX/XX/XXXX hours finance a XX/XX/XXXX Ford Focus from Car Hop XXXX acceptance court right off the bat I noticed some we 're grinding noises and vehicle ran rough I ask the dealer about this and he told me that I could just take it down to XXXX of their specified shop then they would fix anything wrong with the vehicle for no cost me for the first visit but also stated that after the initial visit to the repair shop all repairs would have to be approved by the warranty department so being a little naive to the whole car buying leasing financing situation and being totally stoked I even got approved I drove away in the car on XX/XX/XXXX I took the car to XXXX XXXX XXXX XXXX in missing work that day if the car was in the shop until the XXXX of XXXX when I was finally contacted by Car Hop after several attempts to contact them they told me that the warranty company would not approve the problems that the car had and asked me to come down to the shop on XXXX XXXX I called into work and XXXX ride down there to the shop long story short they wanted to trade me out cars because they did n't want to fix before they gave me XXXX options to pick from none of which were anything special I chose to go with the Pontiac Grand Am GT after test driving it and having a friend briefly look it over the car seems like it was in good condition within a few days of having the car I started to notice it ran a little hot and when it would get hot it would shift into and out of gear with a hard kick I also noticed there was some weird slushy stuff in the coolant so I took it again to XXXX XXXX XXXX XXXX where they did a full diagnostic on the vehicle and sent the results to the warranty company once again to be denied I tried numerous times to get a hold of somebody at Car Hop and at the warranty place only to be given the runaround for two days and having to pay 78 dollars to get my car out of XXXX XXXX XXXX. the warranty company denied the work that needed to be done claiming they no longer do business with XXXX and told me they wanted me to take it to their shop by Car Hop called XXXX & XXXX auto. When I took it to XXXX & XXXX Auto on XX/XX/XXXX with the same problems but even worse then before the man called me the next day and told mgr he did n't find anything wrong with the car so I argued with him a little and got him to agree with letting the car heat up got a little bit and then test drive it he says he did that and he going some spark plugs misfiring he sent that work to warranty company and again it was denied and again I had to pay 78 $ to get the car out of the shop. It 's a hole lit to explain even more than what I 've explained here but these people are really doing some shady business and I really need some help cause I have no idea what I 'm doing
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED 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 reporting or other personal consumer reports

I took out personal loan from LP on XXXXXXXX XXXX XXXX for {$10000.00}. I made in time payments on XXXX of month until XX/XX/XXXXXXXX XXXX 
I was contacted by XXXX XXXX in XXXX of XXXX that my interest rate was too high, and they could negotiate settlement and cut payment term years in half. 
I started making payments of {$270.00} on XXXX of each month to XXXX to the negotiation and towards settled amount when it was final. 
on XX/XX/XXXX, the amount of {$1000.00} was settled for $ XXXX of today, I have made on time payments to XXXX and @ ) XXXX has been paid to settlement amount. 
LP still reports wrong amount of {$10000.00} still active, and reports XXXX, 120 days late. I have repeatedly filed dispute with XXXX and XXXX XXXX, but LP still reports wrong amount and late payments.
Product: Debt collection

I applied for credit XX/XX/2017 at this time it was disclosed to me a debt was placed on my report. I have no knowledge of said debt and did not receive a notice to dispute the validity of the debt before it was added to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX {$570.00}, 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: Vehicle loan or lease

I leased a XXXX XXXX directly from Volvo which had a purchase option exercisable prior to the end of the lease. I notified Volvo that I intended to purchase the vehicle and asked that they credit my security deposit to the purchase price. They agreed to do this subject to the completion of a form requesting that the deposit be credited. I did everything that Volvo requested and we have followed up six times via their call center and via the messaging center on their website. Our issue at this point is that they never credited the security deposit, they missappropriated payments for purchase as lease payments even though the lease was paid in full, they have failed to issue us the title and finally they owe us in the vicinity of {$1000.00} which they have failed to refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS XXXX, XXXX. HAS VIOLATED MY RIGHTS. 

-15 U.S.C. SECTION 602 A STATES I HAVE THE RIGHTS TO PRIVACY -15 U.S.C. SECTION 602 A SECTION 21 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Vehicle loan or lease

The company, U.S. Bank, has a terribly outdated website which makes it both difficult and deceptive when attempting to pay greater than the required minimum amount. Setting up an autopay series wipes all pre-existing information ( such as funding accounts ) which creates an artificial challenge. Furthermore, the navigation of auto-payments is clunky and inaccurate, adding to the difficult. Lastly, the webpage 's own instructions on " viewing and managing recurring payments '' is inaccurate when following their instructions. I find the website to be intentionally deceitful in an effort to stop the users from paying beyond minimum payments, thus limiting my ability to pay down additional principal.
Product: Credit reporting or other personal consumer reports

**Summary of Legal Complaint** **Case Title : ** Consumer Financial Protection Bureau v. Experian Information Solutions , Inc . 
**Case Number : ** XXXX **Filing Date : ** XX/XX/XXXX **Legal Basis : ** The action is filed under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act of XXXX ( CFPA ).

**Parties Involved : ** - **Plaintiff : ** Consumer Financial Protection Bureau ( CFPB ) - **Defendant : ** Experian Information Solutions , Inc . 

**Allegations Against Experian : ** The Bureau claims Experian violated consumer protection laws by : 1. Failing to adequately reinvestigate consumer disputes about report accuracy or completeness. 
XXXX. Not forwarding all pertinent information to credit furnishers. 
XXXX. Providing insufficient notifications to consumers about dispute outcomes. 
4. Neglecting to maintain reasonable procedures for ensuring information accuracy in consumer files.

**Requested Relief : ** The Bureau seeks injunctive relief, compensation for affected consumers, repayment of unjust profits, and civil monetary penalties.
Product: Debt collection

I have workers compensation and was injured on the job. 
The staff took information and I did not take down the info as WC. 
I forwarded the 2 bills to the risk managment department as instructed but they still appear as my personal debt.
Product: Debt collection

My business closed on XX/XX/XXXX. I contacted XXXX XXXX to cancel me account. They cancelled the account with a written notice from me.. I contacted them 1 month later to inquire about my refund of bill paid. They stated that I needed to return their equipment. I informed them that the equipment was there when I leased the space, and I no longer occupied the space and they would have to contact the landlord. 
I gave them his information. I called the following month again inquiring about my refund. They states that they did not get the equipment and will not issue a refund with out the equipment. 
The following month I received a email from a Focus Receivables Management ( Debt Collector ) demanding I paid {$70.00} for XXXX XXXX. 
I again contacted XXXX XXXX on XX/XX/XXXX to find out why I was sent to collection for a debt I did not owe. 
Also, they failed to notify me of any debt I owe to them. 
The fact is that they owe me my refund of fees paid. 

I then made arrangements with the landlord to give access to XXXX XXXX to access the space and retrieve their equipment. I schedule a time with them on XX/XX/XXXX between XXXX and XXXX I sat in the parking lot from XXXX to XXXX and no one from XXXX XXXX arrived to retrieve their equipment. 
I have tried numerous time to resolve this issue to no avail. 
Any help you can provide is greatly appreciated.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Assistance Under 15 USC 1681c-2 ( a ) Due to Identity Theft Resulting from Equifax Data Breach Dear CFPB Team , I am writing to seek your assistance as I am a victim of identity theft that occurred due to the Equifax data breach. As a result of this breach, my personal information was compromised. I am experiencing difficulties in exercising my rights under 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), which allows consumers to block fraudulent information from their credit reports.

I have made multiple attempts to contact the credit reporting agencies to request the blocking of this fraudulent information, as mandated by law. Unfortunately, I have faced challenges in ensuring that my requests are properly acted upon. 



I have filed identity theft reports with the Federal Trade Commission ( FTC ) regarding this matter, and my report numbers are as follows : - FTC Report # XXXX - FTC Report # XXXX - FTC Report # XXXX Given the circumstances, I kindly request your assistance in ensuring that my rights under the FCRA are upheld and that the fraudulent information resulting from this identity theft is blocked and deleted from my credit report as required by law. 



Thank you for your attention to this matter. I appreciate your prompt assistance and look forward to your response. 



Sincerely, XXXX XXXX
Product: Checking or savings account

Navy federal credit union continues to charge me overdraft fees yet I have money in my account or my direct deposit every two weeks. Starting XX/XX/year> my account no longer shows and pending deposits only deductions and they are holding my credits to allow my account to over draft so they can charge me then release my pay check late.
Product: Credit card

Capital one closed my credit card accounts after they have failed to articulate what they wanted from me during their review and for what purpose i was being reviewed. as they closed my account I had over XXXX miles valued at over {$2200.00} and they refuse to reimburse me for these points as they closed my account against my will. this account is in the state of New York where the credit card company is to give at least 45 day before the points are forfeited. this is detailed in the following link https : XXXX Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit reports, I discovered that multiple accounts are being reported with late payments on different accounts and dates, all of which are completely inaccurate. I have consistently made timely payments and these errors are unacceptable. The role of Consumer Reporting Agencies is to report accurate information, and they have failed to do so in my case. Specifically, I have never missed a payment on my XXXX XXXX XXXX account : XXXX, and I demand a thorough investigation into these discrepancies. I expect you to provide clear evidence, such as statements, proving these alleged late payments. If you can not provide such proof, I insist that these payments be immediately corrected and updated to reflect their true status as on-time. I will not tolerate continued inaccuracies on my credit reports, and I expect swift action to rectify this matter.
Product: Debt collection

XX/XX/22 received back to back calls at XXXX pm cst then again at XXXX cst. When I called back to complain about harassing calls back to back then again less than 3 hours later the representative hung up on me. I called back was immediately put on hold waited for a representative asked for a supervisor and was put on hold then sent to voicemail. They also stated it was their auto dialer in which they do not have permission to call my cell phone on an auto dialer.
Product: Credit card or prepaid card

Synchrony Financial issues a XXXX XXXX XXXX Credit card. With this card, you earn rewards in the form of XXXX Dollars that you can use to satisfy a XXXX XXXX or to acquire XXXX products. I have been a cardholder since very early in the history of the XXXX XXXX XXXX. Recently, due to known and shared technical issues, Synchrony tracks the XXXX Dollars earned BUT it is NOT posting this information on its own Mobile Application or transferring the information to XXXX. The net-effect of this is that the XXXX Dollars earned XXXX NOT be accessed or utilized. And, if you miss a XXXX billing cycle, you end up not being able to use the Reward Dollars to pay that invoice. 

This happened a few months ago. I reported it, complained about, and the situation was fixed. BUT it took a huge effort. NOW, it is happening again. My paper XXXX PDF XXXX statement accessible on the XXXX XXXX website indicates that I earned {$150.00} Reward Dollars through XX/XX/2021. HOWEVER, the XXXX and XXXX applications indicate XXXX XXXX ZERO XXXX  XXXX Dollars. I am attaching screenshots that show all of this. 

XXXX has to know about this and by NOT fixing it or failing to make sure it works XXXX knowing there were historical problems XXXX  it is undermining the very purpose for using the XXXX XXXX card. Essentially, the XXXX Dollars earned are being held XXXX and made so cardholders like me can not access the very benefits that were earned. 

The fundamental purpose for the Visa Card is, therefore, being undermined and rendering inoperative.
Product: Debt collection

DIVERSIFIED ADJUSTMENTS at XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX has been sending me collection notices in the amount of {$830.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXXXXXX 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 XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

There are loans from XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX on XXXX, XXXX and transunion. These loan are not mine and i have reach out to them. XXXX XXXX does not have much information on the loan and are unable to tell me much about it.
Product: Consumer Loan

Monday, XXXX XXXX, my car was repossessed from the parking lot at work. I pay my loan through Fifth Third Bank, and have made regular monthly payments ( plus extra ) for the agreed amount when I purchased it. According to the bank, I did not have full coverage insurance ( which I did. They had my policy number on file when i called to investigate. ) they then said they had sent me letters, but they had miss-typed my address by XXXX digit, so i did not receive any notice. In XXXX, 2015, I was made aware of the insurance issue, told them that there must have been a misunderstanding and had the declaration page faxed to them and also XXXX to my work ( which I still have on file ) I faxed over the same information on XXXX XXXX. The insurance branch reversed the charges accumulated, but collections still demands i pay all of it including : {$1200.00} for what i supposedly owe, {$89.00} for late fees, {$560.00} for the repossession fee, and any extra fees for me to release the car from the lot. There are several complaints similar to this XXXX on the internet that i have read in regards to Fifth Third Bank. I have personal property in my car. I do n't know how or why things have gone to this seeing as how i have made my payments every month. I do n't know how I will keep my job that is XXXX miles away. And I also do n't know if I will continue to be charged after my car may be sold off. Please help if you can.