23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My husband and I purchased our first home in XXXX of 2023 and of course we were over the moon but also overwhelmed. Upon purchase we were going to need a brand new washer and dryer and found one at Lowe 's that we really loved. During the closing process I had some people suggest that I invest is a Store Credit Card that we would use exclusively for purchases regarding our new home. 

When I eventually got the Lowe 's Credit Card I created the account and it came in very handy. We were able to purchase a new washer and dryer and eventually a new dishwasher. But now the card has become the biggest financial burden we have. I noticed I was being charged interest every month but didn't think anything of it as the interest charges were low. I assumed the interest charges were a result of us actively using the card until XX/XX/2023 when we hadn't used it at all and was charged {$90.00}. I called to ask what the going on and was told that as long as I owed money on the card I was going to be charged interest every month until the card was paid off. My husband and I continued to make payments leading up to XX/XX/2023 when I was charged {$190.00} which essentially canceled out the last payment I made on XX/XX/2023 of {$140.00}. 

I filed a complaint on XX/XX/2023 and I have yet to hear back from them despite attempts to reach out over social media.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, XXXX XXXX XXXXXXXX unilaterally closed my checking account. The bank explained that it has such a right according to the agreement. 
In XX/XX/XXXX, XXXX XXXX  closed my checking account in the same way. In both cases, the banks did not ask me about any suspicious transactions and did not ask me any questions. 

In XX/XX/XXXX, I tried to open accounts with the following banks : XXXX XXXX, XXXX, XXXX. And I got rejected everywhere. I assume that there is negative information about me somewhere. But I do not know what kind of information it is. 

I am deeply convinced that I have never engaged in any criminal activity or participated in questionable operations.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Unauthorized Credit Inquiries and Request to Opt-Out of Future Inquiries I am writing to file a formal complaint concerning unauthorized hard inquiries on my credit report, which I believe constitute a violation of my rights under several key regulations and statutes including 15 U.S.C. 1681 ( Fair Credit Reporting Act ), 15 U.S.C. 6802-6805 ( Gramm-Leach-Bliley Act ), 12 CFR 1022 ( Regulation V ), the Privacy Act of 1974, and 16 CFR 313 ( Privacy of Consumer Financial Information ).

**Violations Noted : ** 1. **15 U.S.C. 1681** mandates that consumer reporting agencies must ensure the accuracy and fairness of credit reporting, and only allow access to credit information for permissible purposes. Unauthorized inquiries do not meet these requirements and thus, represent a breach of this statute. 
2. **15 U.S.C. 6802-6805** obligates financial institutions to provide consumers with a notice of their privacy policies and practices, including the right to opt-out of information sharing. The persistence of unauthorized inquiries reflects a failure to adhere to these provisions. 
3. **12 CFR 1022 ( Regulation V ) ** ensures the accuracy and integrity of information provided to consumer reporting agencies. Unauthorized inquiries demonstrate a failure in maintaining the privacy and integrity of my personal financial information as outlined in this regulation. 4. **The Privacy Act of 1974** protects against the unauthorized disclosure of personal information held by federal agencies. While primarily applicable to government, the principles mirror my rights to privacy which are being violated through unauthorized credit inquiries. In light of the above, I am exercising my rights under **16 CFR 313 and specifically 16 CFR 313.7 ( f ) **, which support my decision to opt-out of any further reporting of credit inquiries on my credit report. This request is to ensure the protection of my personal financial information, as
guaranteed by federal law.

I demand immediate action to : - Cease all future credit inquiries without my explicit, written consent.

- Remove all previous unauthorized inquiries from my credit report.

- Provide written confirmation of these actions. 

Failure to address these concerns promptly will leave me no choice but to seek further legal counsel to protect my rights. Please, upon deletion, send me an updated copy of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank just responded to my XXXX  complaint & agreed that the account being reported does not belong to me. Why is Equifax XXXX XXXX continuing to verify it instead of deleting it. This has exposed both credit bureaus as being corrupt & wanting consumers to stay in a bad credit cycle. Im already planning to file a lawsuit but if this isnt fixed even by providing proof from the creditor that the information is inaccurate then I will be suing federally instead of locally.
Product: Credit reporting or other personal consumer reports

This letter is in response to your recent claim that XXXX XXXX XXXXXXXX has reported an unpaid debt under my name, XXXX XXXX XXXX. I have verified that I have no legally binding obligation to pay any alleged debt with them. 
Again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXXXXXX. Be advised that I hereby request a description of the procedure used to determine the accuracy and completeness of this information, and it must be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, I request the name, address, and telephone number of each person contacted at XXXX XXXX XXXX regarding this alleged account. 
I am formally requesting a copy of any documents provided by XXXX XXXX XXXXXXXX, bearing my signature, that prove I have a legally binding contractual obligation to pay this amount. A bank clerk looking at their computer screen and seeing my name listed in their database is NOT verification or validation of any alleged debt. 
This is my final goodwill attempt to have you clear up this matter. The item listed is entirely inaccurate and incomplete, and it represents a serious error in your reporting. 
Failure to comply with federal regulations regarding credit reporting agencies will be investigated by the Federal Trade Commission ( FTC ), per 15 USC 41 et seq. I am maintaining a careful record of our communications for the purpose of filing a complaint with the FTC, the Consumer Financial Protection Bureau ( CFPB ), and the Minnesota Attorney General 's office, should you continue in non-compliance. 
As a reminder, in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D. XXXX. XXXX XXXXXXXX XXXX ), non-compliance may result in your liability for damages
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several items regarding NAVY FEDERAL CREDIT UNION that do not belong to me, however they are reporting to my XXXX  report. I disputed the item with both Navy and XXXX. I have stated that these items belong either to identity theft or placing accounts that belong to my father on mine. XXXX  unlawfully combined my credit report into 2 different reports and I believe this information from Navy Federal Credit Union is part of this. I am attaching a letter sent to XXXX  and XXXX  requesting an investigation into my dispute under Section 609, 611 FCRA and as of the submission of this complaint, XXXX has not responded to my request, they only verified the information as accurate when the information is not accurate as they do not belong to me. XXXX  and Navy have violated The Fair Credit Reporting Act by not conducting a proper investigation into my dispute, by not providing to me, specific documents I have requested regarding my dispute with Navy Federal Credit Union. More than 30 days have elapsed, an investigation in accordance with Section 609, 611 FCRA has not been conducted and I have not been provided any documentation in connection with my dispute regarding Navy Federal Credit Union. Please find the attached dispute letter under Section 609, 611 FCRA as I request any derogatory report from Navy Federal Credit Union be removed from my credit report.
Product: Debt collection

As per the correspondence, I received from : XXXX - Dated : XXXX XXXX, 2015/ CORRESPONDENCE RECEIVED XXXX/XXXX/2015. 

This is to inform you that I 've recently pulled my credit report and noticed that there 's a collection listing from XXXX on my credit report. I WAS never notified of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and XXXX ability to collect this money from me. 

Under the FDCPA, I have the right to request a validation of this debt. I request that XXXX verify to me and prove that I am indeed the party who is contractually obligated to pay off this assumed fraudulent debt. Upon your review of my XXXX XXXX Financial Aide Records, your re-investigation will determine, there were no account balances. XXXX See attached e-mailed documents ). Enclosed with this email. 

The XXXX should be made aware that reporting any invalidated information to major credit bureaus may constitute defamation of character. In addition, you must also be aware that until you validate this debt, you can not continue collection activities or report this information to the credit bureaus. Non-compliance with this request may land XXXX in serious legal trouble with the Federal Trade Commission XXXX FTC XXXX and other state/federal agencies. 
Under the FDCPA, debt collectors XXXX collection agencies or CAs XXXX are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice should also inform you that you have the right to validate/dispute the debt within 30 days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the 30-day period, the collector has the legal right to assume that you agree the debt is valid. 




Re : False Certification of Student Eligibility or Unauthorized Payment Discharge are unacceptable. 
Please be advised, I XXXX XXXX XXXX XXXX may be eligible for a discharge of my Direct Loan or XXXX Program loan under these circumstances : According to this correspondence received : XXXX - / or an unauthorized agent at XXXX XXXX XXXX evidently school signed my name on the application or promissory note without XXXX XXXX XXXX authorization or the school endorsed XXXX XXXX XXXX loan check or signed XXXX XXXX XXXX authorization for electronic funds transfer without XXXX XXXX XXXX knowledge, unless the proceeds of the loan were delivered to the wrong address or applied to charges owed by XXXX XXXX XXXX the school. - As reported, I XXXX XXXX XXXX XXXX never received any disbursements ' from the XXXX See Invoice Statement. Generated, by attached emails from XXXX Payment History Financial Aide Account. - I did not receive these funds. Neither were they deposited into my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used the lender XXXX XXXX XXXX  in XXXX to purchase a vehicle. The vehicle was voluntarily repossessed in XX/XX/XXXX. The origination amount was {$11000.00}, remaining was, {$9200.00}. XXXX XXXX took possession of the car at the time and changed the account to a repo. Months later they then changed the account to collections. As a repo they must provide documentation of the auction value and the remain balance. They did not, but they did not. it remained as a collection from XX/XX/XXXX to XX/XX/XXXX. At no time providing the correct documents for this change. 

In XXXX of XXXX XXXX XXXX illegally change the account type once more from collection to open. And has remained in this type. This is reflected on all three major bureaus, Transunion, XXXX, and XXXX. And also on some of the other like XXXX XXXX. This is 100 % not accurate and completely fraudulent. I have sent letter XXXX, XXXX, XXXX and have called in XXXX and XXXX of XXXX. In challenging this all 3 bureaus have allowed this to stand even after I have requested proof multiple times. The response is " this company has verified the account ''. They sent me zero documents to substantiate it is the right information ; zero documents proving it is an open account ; zero documents showing the repo information. 

The account itself is not accurate, it is illegally reopened. The amount being reported is no {$14000.00}. The personal information is not correct as I have sent updated info to the bureaus and XXXX XXXX. For every incorrect and inaccurate reporting. Under the laws of Arizona, UCC Article 6 47-9601-47-9628, most notable 47-9623 and 9625, and State RISA and MIVSA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. this company has not done any of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an investigation with XXXX XXXX Equifax and XXXX on XX/XX/XXXX and I still havent gotten no information back on the investigation
Product: Payday loan, title loan, or personal loan

I am contacting you to see if you can help me resolve a problem that has been stopping me for years from getting back on my feet. I am a XXXX year old woman. The short story is that, between XXXX and XXXX I was scammed out of more than {$100000.00} by fraudulent lenders. I had a screening process in place which obviously was ineffective, so I continued to believe that the lender I was dealing with was honest. The problem I need help with is that several of those lenders contacted me and agreed to give me the loan. Three or four times, their method was to tell me they would be depositing a check into my checking account to verify it was authentic. Once the check cleared, I was to withdraw the amount of the check and wire it back to them which was when they would be transferring my loan. Each time, the check bounced a few days later. As a result, both the bank and I lost money. The last couple of times, I contacted the bank to make sure the check had cleared. I was assured it had so I did withdraw the funds and wire them back to the " lender ''. I never got a penny from any of them but the worst thing was that, eventually, I was listed on ChexSystems (? ) and I have not been able to open any kind of bank account for the last two years. I did not make a penny from the transactions and, although it was my checking account, the bank did clear the checks before I withdrew the amount of the check. I have receipts for just about every penny that I was scammed out of online. In fact, I have been notified that I will be getting a decent amount from a suit the government has done with XXXX XXXX regarding their participation in these scams. I hope there is someway you can give me to get this cleared up and my name removed from ChexSystems so I can open a checking/savings account. Thank you.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified.XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I checked my credit and this was on it American Express
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX letters to Experian regarding how they are reporting information inaccurately on my credit report. THIS IS NOT HOW THE CREDITOR IS REPORTING THEM, it is EXPERIAN. They have disregarded both investigation requests, sending me a letter stating the furnisher is reporting this accurately. AGAIN THIS IS NOT AN ERROR ON THE FURNISHERS PART IS IS AN ERROR IN EXPERIANS REPORTING. 

There are XXXX accounts they have an outdated and inaccurate payment status on. PLEASE CORRECT THE XXXX ACCOUNTS : Payment status : Paid as agreed XXXX of the accounts are closed and paid in full- the other XXXX are all on time- This is the Last request I am asking, if these are not all corrected to show the current payment status I will be seeking legal advice, this is an FCRA VIOLATION and their inaccurate reporting is damaging my credit. 

Ive included all XXXX accounts credit reports and letters I have sent to experian.,
Product: Mortgage

On Monday, XX/XX/XXXX, I spoke with Citibank mortgage representative XXXX XXXX to discuss rates. We were quoted 3.5 % in writing without relationship pricing and we decided to lock-in the rate on XX/XX/19. We were also told that if we transferred over assets that our rate would be reduced. Per my conversation with XXXX XXXX and outlined on the link below, please see the schedule of relationship pricing discounts : XXXX XXXX XXXX XXXX I opened an account on XX/XX/19 and deposited {$500000.00} in assets to be eligible for the 3/8 percent rate discount per the Citi mortgage relationship pricing schedule. I contacted XXXX XXXX on XX/XX/19 to inform him that I had moved over the $ XXXX in assets and I provided him with the new account number to be eligible for the Citi mortgage relationship pricing discount of 3/8 percent. At this point, XXXX said that the rate we locked-in included the relationship pricing at the {$500000.00} level and my rate was 3.5 %. I said that this was not correct as he had said on XX/XX/19 that our final rate would be further reduced with the relationship pricing. I, then, requested that he go back and listen to our conversation on XX/XX/19 where he very clearly quoted this on several times during our call. He said he would have his manager listen to the call and have his manager get back to me. As of now, I still have not heard back from his manager and it's been over roughly 1 and half weeks.
Product: Debt collection

Source Receivables MNG is reporting inaccurately on my credit report. the open date is listed as XXXX/XXXX/XXXX. The original date was actually in XXXX. This debt has been re aged and according to FCRA Section 623 ( 5 ) ( A ) re-aging is an illegal act. The company can not provide any record of this debt on the date listed and i am requesting that it be removed from all of my reports for inaccurate and possibly fraudulent activity.
Product: Credit reporting or other personal consumer reports

my credit information was pulled buy a company that i did not authorized to gain access to my credit information on XX/XX/XXXX, XX/XX/XXXX which was a hard inquire conducted by this institutions without my authorization, will be delighted if this rectified. 
XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

This company is reporting 5 late payments in this closed account. 
FORD MOTOR CR Account Number : XXXX Late Payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 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.

According to the law 15 USC 1681b, you must receive written authorization from me to disclose information. I have never given written consent that you can disclose my information. I demand proof or that you verify the document or letter that I wrote allowing my information to be disclosed. information.
Product: Credit card or prepaid card

I notified Capital One Credit Card that my card information had been stolen and to close account, issue a new card, and to stop all automatic payments the person had put on card without my authorization. Captital One ignored my request andcontinued the unauthorized automatic payemnts to several companies ... running my bill up to approximately {$2800.00}. I believe I owe them approximately {$1500.00} and have offered to pay that month with {$100.00} installments for 15 months. They have refused my offer and have now involved an attorney.
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. 

Accounts, DPT EDXXXX : # XXXX, DPT EDXXXX, XXXX XXXX, DPT EDXXXX, XXXX XXXX XXXX DPT EDXXXX, XXXX, DPT EDXXXXXXXX XXXX XXXXXXXX, DPT EDXXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has all 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.