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

Company has refused to comply with federal law and consumer laws violating my rights as a consumer. The company has violated my privacy rights under The Privacy Act of 1974. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). Congress advises any of my private information is not for public. The reporting agency is a non governmental entity, meaning XXXX  must give you consent to report the account to my consumer report. According to 15 U.S. code 6801, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information,15 U. S. code 6802 follows by adding that, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice. XXXX XXXX XXXX is a nonaffiliated third-party, therefore they do not have permission to report to my consumer report. There is no contractual agreement of obligation to this debt collection agency for any amount. 15 U.S. code 6802 ( 1 ) also follows to insure the security and confidentiality of customer records and information. XXXX XXXX XXXXXXXX was provided information illegally from XXXX XXXX, which according to XXXX and their privacy policy advises XXXX XXXX will not disclose my information to third parties and other inquirers without my consent. I have never given XXXX XXXX XXXX to disclose my information with XXXX XXXX XXXX ( a third-party ). According to XXXX, A third party is a person or entity that has no contractual relationship with XXXX XXXX to perform services or act on behalf of XXXX. According to, 15 U.S. code 6802b, there must be XXXX disclosures first before any of my information can be exchanged regarding an account and XXXX must first agree to having the information of the reported account disclosed to the public. XXXX have not agreed to having this account disclosed. Therefore XXXX XXXX XXXX must be removed from my Consumer report and Transunion, XXXX and XXXX a non-affiliated, ( XXXX XXXX ) of XXXX and XXXX XXXX XXXX must delete the collection account from my consumer report. The collection account with, XXXX XXXX XXXX has been disputed on both, XX/XX/XXXX through a CFPB complaint, # XXXX XXXX through Transunion. All reporting agencies Transunion, XXXX and XXXX has continued in their efforts to disregard my consumer rights, violating federal law and privacy rights under The privacy Act of 1974. It is imperative that this matter is resolved immediately and the Collection account is removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am federally protected consumer and XXXX XXXXXXXX XXXX, XXXX, and TransUnion has violated me under the provisions of 15 USC 1681. Please review attached documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opinion on Credit Reporting Bureaus- WHAT i AM POSTING IS CONFIRMED BY THESE AGENCIES OWN ADMISSION. tHEY ONLY REPORT WHAT THE LENDERS SEND A fraud is the deliberate misrepresentation of facts. My credit scores and billions do NOT reflect accurately. Hence we are at the mercy of banks and all lenders. Right now we are locked out of all fiance options and suffer higher than available rates and usury! The FTC directed me to you. My scores even while debts paid down - if scores are not REAL TIME- ACCURATE- AND TIMELY THEY ARE FOR ANYONE TO ASCERTAIN WRONG. AND DELIBERATELY POSTING AND CALCULATING SCORES USING FAlSE DATA WILL PRODUCE INCORRECT RESULTS AND A NEGATIVE FOR THE BORROROWER Definition of fraud XXXX 1a : deceit, trickery specifically : intentional perversion of truth in order to induce another to part with something of value or to surrender a legal right was accused of credit card fraud b : an act of deceiving or misrepresenting : trick automobile insurance frauds 2a : a person who is not what he or she pretends to be : impostor He claimed to be a licensed psychologist, but he turned out to be a fraud. also : one who defrauds : cheat b : one that is not what it seems or is represented to be The UFO picture was proved to be a fraud. 

My Reports and ScoresUPDATE MY REPORT XXXX XXXX XXXX Updated XX/XX/2021 XXXX Updated XX/XX/2021 XXXX A sham sin they were XXXX just a day ago. 
Opinion- This farce has continued since inception and is by opinion a blight on the morality of the nation!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3900.00} XX/XX/XXXX XXXX XXXX XXXX {$170.00} XX/XX/XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXX {$4300.00} XX/XX/XXXX XXXX  XXXX {$980.00} XX/XX/XXXX XXXX XXXX {$1100.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$280.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$72.00} XX/XX/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 NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX INQUIRIES NOT RECOGNIZED XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX EMPLOYERS NOT RECOGNIZED XXXX XXXX XXXX, XXXX XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per XXXX XXXX XXXX Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to XXXX XXXX XXXX XXXX ( XXXX XXXX ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Vehicle loan or lease

I simply requested statements from the loan servicer, BMO Bank. They refused to provide statements, saying that they are not required to provide statements by mail, or electronically. I can not give my information to my accountant because the loaning bank refuses to give me statements on my account.
Product: Vehicle loan or lease

The following letter was sent to the company and Via Email on XX/XX/2023 and was responded to and told they cant help via email i already called and and tried to talk to XXXX and was treated very rudely and unprofessionally and told there was nothing he could do to help. 

Subject : Request for Early Termination of Auto Loan Due to XXXX XXXXXXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to request your assistance with the early termination of my auto loan under my name, which I have with Four sight Capital. The reason for this request is a significant change in my circumstances. I am an active member of the United States XXXX XXXX, and I have recently received orders for XXXX XXXXXXXX to fulfill my duties. 

My XXXX is expected to last for an extended period, making it impossible for me to keep the vehicle financed under your company during this time. Unfortunately, due to the unique nature of my assignment, I am unable to bring the vehicle with me XXXX I understand that this is an unusual situation, and I would appreciate your understanding and cooperation in helping me resolve this matter. 

In light of the above, I kindly request the following : 1. Early Termination : I am requesting the early termination of my auto loan with Four Sight. I understand that there may be fees associated with this process, and I am willing to cover any reasonable costs so long as pre agreed upon.

2. Non-reporting to Credit Bureaus : Given my commitment to serving our country and the unexpected circumstances leading to this request, I kindly ask that my early termination and the associated financial arrangements not be reported to the credit bureaus. It is crucial for me to maintain my credit score as I will need it for various financial transactions during and after my XXXX to include my security clearance. 

3. Confirmation of Termination : I kindly request a written confirmation of the loan termination, including any final details and the acknowledgment of the non-reporting of this event to credit bureaus. 

I understand that my request might entail some work on your end, and I genuinely appreciate your assistance in accommodating my situation. I assure you that I am committed to fulfilling my obligations and responsibilities regarding this matter, including any financial arrangements that may be required. 

Please let me know if there are any forms or documents I need to complete to facilitate this process. You can reach me at XXXX for any further clarification or to discuss this matter in detail. 

I understand that your company has policies and procedures to follow, and I kindly request your understanding and cooperation during this challenging time in my life. Your assistance in resolving this matter promptly will be greatly appreciated. 

Thank you for your prompt attention to this request, and I look forward to your positive response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protective consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX  Account # XXXX Account nameXXXX  Account # XXXX  Account nameXXXX XXXX Account # XXXX Account nameXXXX XXXX Account # XXXX Account nameXXXX XXXX Account # XXXX ACCOUNT NAME XXXXACCOUNT # XXXX Has violated my rights. I looked at my_Equifax______ Credit report onXXXX And notice some things are incomplete and not accurate. According in the fair credit reporting a Whenever a consumer reporting agency prepares a consumer report I shall follow responsible procedures to assure maximum possible accuracy of the information concerning the individual about Whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 I 5 there are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any investigation under paragraph ( 1 ) Of any information disputed by a consumer, An item of that information is found to be inaccurate or incomplete or can not be verified, the Consumer Reporting Agency shall ( 1 ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( 2 ) Promptly notified the furniture of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681S-2 there are supposed to be not furnish Any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely UPDATED : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.
Product: Credit card

Company is unable to provide the credit due to its own liability. 
requesting the credit applied company has shown reason of why not offer business credit to a new business. 

student loans are an private loan not to be applied but XXXX is reporting false and misleading information damaging the business profile with detrimental details. 

according 12 U.S. Code 1431 - Powers and duties of banks Default is issued to the lender not the borrower The borrower is whom who gives debt.

Amex intends to steal data filing or intellectual information and not provide services of commerce.

Denial of Federal credits not owned by its own company but the U.S is a violation of the gold clause and deprivation of rights under color of law title 18 U.S. Code 242 - Deprivation of rights under color of law PROVIDE THE ORIGINAL CONTRACT BY MAIL. 
IF NOT FILING TO ISSUE BONDS, NOTES, AND OR CASH OF THE FOLLOWING SECURITIES ISSUED
Product: Student loan

I just paid off a $ XXXX student loan over the phone. I asked to pay extra money to cover the interest while the payment was processing so that I could ensure that the account was completely paid off, but the Navient representative said I didn't need to do that. The account continued to gain interest while the payment was processing, so I called Navient back and they said the interest charges would drop off in a couple of weeks. Months went by and the charges never dropped off, and the interest continued to compound, so I finally just paid it off because I haven't been able to reach a resolution with them. I feel that this is a bad business practice and that I should not have owed them anymore money after the original payment I made and the conversation I had with the representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from SageStream LLC stating that my application for a XXXX XXXX XXXX Credit Card was not approved because " consumer associated with too many phone changes '' and " Limited history for consumer at this phone ''. It seemed fishy because I've never applied for a XXXX XXXX card and why would my phone have anything to do with a credit decision? Not to mention, I've had my landline phone for about 12 years and my cell phone for nearly 9. In order to freeze them, they require me to mail them proof of my social security number, birth certificate, and drivers license, all ideal ways to steal my identity. In addition, they state that my credit score is XXXX out of XXXX, which is drastically lower than my actual credit score. I tried to call them multiple times, but the unprofessional voice prompts would never actually connect me to a real person. So, I gave up and chose to report them here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert around XX/XX/XXXX, XXXX there was a collection on my XXXX report that does not belong to me. I submitted a dispute online. XXXX wrote be back and said they verified the items belongs to me. I have also written the Paragon company as well and asked them to delete this information because i have never had any account with this company. XXXX continue stop report in accurate false information on my credit file and i want hen to delete this information immediately and stop playing with my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've provided enough information for these companies to conduct a thorough investigation. 
XXXX XXXX is reporting inaccurate on my credit report with XXXX  and Transunion and they refuse to delete the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted certified mail asking Credit bureaus to verify Bankruptcy based on 609 law. Asked for method of verification and ask to send documents of bankruptcy. Never got anything. The credit bureaus claimed they verified it through XXXX XXXX. XXXX XXXX claimed it verify bankruptcy through courts. I have letter from courts saying that they do not give or sell any information to third party. Sent letter asking how they verified the bankruptcy and they never sent me proof. Please see attachments
Product: Debt collection

Pressler and Pressler received a cease and desist letter from me via certified mail concerning a bill from XXXX XXXX Hospital ( XXXX ). Rather than abiding by the cease and desist letter as per the Fair Credit Reporting Act they continue to pursue the matter. In a 2016 article entitled Feds Take Action to Stop Illegal Debt Collection Practices by XXXX County Lawsuit XXXX '', it states that Pressler and Pressler were sued by the Consumer Protection Financial Board and ordered to stop filing lawsuits against customers based on violations of the Fair Credit Reporting Act. In addition, to the cease and desist letter, I already filed complaints against the business ( XXXX XXXX Hospital ) directly with them ( email and XXXX ) and with the XXXX XXXX XXXX and NJ Consumer Affairs. I stated that the hospital did not render my companion animal the treatment he should have received and they billed me for treatments they did not give him. The business never responded to any of the complaints but used this corrupt law firm Pressler and Pressler to harass me.
Product: Debt collection

On XX/XX/XXXX I received a loan for {$5400.00} from XXXX XXXX after applying online. I was paying the loan via ACH drafts each month. I had to close the account due to issues and contacted XXXX to mail payment. They refused and attempted to still draft from closed account. I received emails from XXXX with my balance due of XXXX XXXX.The final email came on XX/XX/XXXX. I was unable to pay the full amount and the debt was sold. I began receiving main from Midland Funding stating I owe more than {$6000.00} for the same account. I was served for garnishment on the debt in approximately XX/XX/XXXX for which I requested proof of the amount for which they were stating that I owe. They merely sent a copy of the original loan amount of {$5400.00} and no records to show amount following payments that were made on the account. We went to Civil court on XX/XX/XXXX for which I had the copies of the emails with the amount that XXXX stated I owed. The Judge ordered me to meet with the Attorney representing Midland to try to reach a settlement without hearing anything from me. During this meeting, I asked how they reached the amount that they were asking and she could not explain. She tried several calculations to try to reach that amount and was not able to. She also did not have any records matching the amount that XXXX gave me prior to selling the debt. She then proceeded to say that the interest increased the amount. I then explained that Georgia only allows Debt Buyers to charge 7 % interest. And she explained that the debt was purchased from XXXX in XX/XX/XXXX. I then added that there was no way that interest caused the amount owed to almost double. She then gave me a Consent form offering a settlement amount of just over {$4800.00} and monthly payment of {$120.00}. She told me that I could turn down the offer, and go to trial but they will be seeking the full amount of {$6000.00} plus court fees if I lose. And she told me that even if I sign it does n't mean that Midland can not decide to come back for the full amount at anytime. I signed the consent to pay that amount after the attorney strategically threatened to get more money from me if I refuse this new amount. The new amount is even higher than the debt owed and I 'm not sure how she reached this amount either. I am filing this complaint because Midland filed for Judgment on a fraudulent amount, and no documentation or justification to support that amount. Also they use intimidating practices to gain agreement to make money.
Product: Checking or savings account

The company I work for was hacked last year and they sold all of the employee 's information ( bank account info, emails, phone # 's, etc. ). Somebody just opened a bank account on XXXX and with XXXXXXXX XXXX and withdrew {$9900.00} from my bank accounts. XXXXXXXX XXXX and my banks are working on it but I'm worried now as the hackers have my drivers license, social security #, and all of my other details.
Product: Mortgage

Freedom has been mailing statements and all communications to the wrong address. 

When I called to get this error resolved, there was no explanation or apology - it just took a long time to find out that 5 months of information has been sent to the incorrect address. When I asked if they received anything from the post office stating it was the incorrect address ( the address they were using isn't an existing address ) he looked back and saw where they had been notified of the returned mail, but that no one had done anything about it to correct the error. 

At the end of the conversation I asked for my updated address to be confirmed - the representative read " XXXX  '' instead of " XXXX '' so I pressed further. He made the correction but said someone else must have done it since he only changed the numbers - when I asked if it was even likely someone would have edited my information to add an errant " r '' he said it was possible. " XXXX  '' was not on the mail I eventually received, even with the incorrect house number, so either someone is randomly editing account information in the system or they don't seem to take much care on accurate servicing information. 

After all of that - no apology from the representative of Freedom.