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

Under the Fair Credit Reporting Act, 15 USC 1681 Section 602 ( a ) states, " Consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers privacy. '' XXXX, XXXX, and XXXX are such agencies, and as a consumer, I am entitled to ensure my private information is not shared. This right is supported by 15 USC 6801, which asserts, " Congress 's policy is that financial institutions have a continuing obligation to respect customer privacy and protect the security and confidentiality of nonpublic personal information. '' XXXX XXXX XXXX ( XXXX ) qualifies as a financial institution under this section.

According to 15 USC 1681 Section 604 ( a ) ( 2 ), " A consumer reporting agency may provide a consumer report only in accordance with the consumers written instructions. '' XXXX XXXX XXXX the financial institution and XXXX, XXXX, and XXXX do not have my consent, whether verbal, non-verbal, written, implied, or otherwise, to furnish my information. Any and all forms of consent previously granted to these agencies are revoked. 

Additionally, 15 USC 6802 ( b ) ( c ) requires that " A financial institution must not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is informed about how to exercise their nondisclosure option. '' XXXX XXXX XXXX, have not provided me with this information. Furthermore, 15 USC 1681c ( a ) ( 5 ) stipulates that " No consumer reporting agency may include adverse items of information, other than criminal convictions, that are more than seven years old. '' The reporting of this adverse item without my permission is unlawful.

15 U.S. Code 1681s2 ( A ) ( 1 ) mandates that " No person shall furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. '' 15 U.S. Code 1681e requires consumer reporting agencies to " maintain reasonable procedures to avoid violations of section 1681c and limit reports to the purposes specified in section 1681b. '' XXXX, XXXX, and XXXX are not adhering to these reasonable procedures. Lastly, 12 CFR 1016.7 allows consumers to " opt out at any time. '' Therefore, I am opting out of your reporting services.
Product: Mortgage

We had a issue where the mortgage company raised our mortgage payment without notification this was due to the home coverage going up that was not communicated with us as well. We were informed that we were short we reached out to PennyMac and sent in what we short. We made adjustments to our monthly payment to the new payment, a month later we received a call from a automated system from PennyMac stating we were short the same amount as the prior much, this caused much confusion. 
I called the XXXX and was transferred to call center in the XXXX where I spoke to a woman who refused to transfer me to an account XXXX. I explained my situation and the woman began to raise her voice at me asking me why I want to talk to a XXXX which I explained a second time why I was calling, I requested to speak to her XXXX and she continued to refuse to transfer me as requested, she then raised her voice to me again so I disconnected the call. I attempted to call another PennyMac line where I again was sent to the call center in XXXX a operator came on who spoke very broken XXXX which I think was done on purpose because as we continued with the call I could hear the woman who raised her voice at me previously. He then explained some of the money was sent to the principal which wasn't suppose to occur-I again asked for a XXXX and replied Why? After XXXX minutes of talking he refused to transfer me. I stayed on the line after our conversation concluded to take part in the after call survey however the rep hung up on me and I was not able to complete the survey that was advertised prior to rep answering. I have searched the web trying to lodge a complaint but all roads lead to the XXXX call center- I was told that when you request a XXXX they are required to transfer you
Product: Debt collection

I disconnected my internet service with XXXX XXXX in XXXX. I was informed at the time by representative that because I was using my own equipment ( modem ) that I would owe the final months fees for services and there would be no further charges on the account. I had been using my own cable modem for several years. The company 's equipment had been returned over three years ago. The company has been trying to collect an amount of {$100.00} for equipment that was not being used. I call the company repeatedly, and each time, the customer service representative verifies that that they see I was using my equipment at the time the account was closed and that there should not be any amount due, however, BECAUSE, my account is now closed, they are unable to update the account balance. 

Sunrise Credit Services is now trying to collect the debt as a third party. I informed them over the phone the debt is not a valid debt, that I do not owe the money as I was using my own equipment, and they are not to make any further attempts to collect the debt that I do not owe.
Product: Debt collection

This is a final written notice to XXXX XXXX who acts as ceo of Drivetime I am invoking my right of rescission because of deceptive cosigner practices 16 CFR 444.3 and lies about the finance charge told to me by at the dealership in person. Today XX/XX/2021 somebody came by my house by the name of XXXX trying to steal my car for your company but he does not work for your company he works for XXXX XXXX XXXX. I was not home but my aunt was, he told her he works for XXXX XXXX XXXX and when he comes back if he does not see the car the police will come and arrest me. He nor you are licensed to collect debt from the division of banks. An XXXX XXXX who acts as ceo of Drivetime has not responded to any affidavits. 
This is a written demand to cease and desist immediately. This was a threat to me and my aunt. These actions have caused her XXXX  and XXXX. These actions have caused me XXXX  and XXXX. Do not threaten me, my aunt, my property or proceeds from this day forward or a criminal and civil complaint may be filed.
Product: Debt collection

ENHANCED RECOVERY COMPANY # XXXXI have a a unverified account from. I had previously disputed this account. I have never done business with ENHANCED RECOVERY COMPANY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt ENHANCED RECOVERY COMPANY purport I owe. I request that ENHANCED RECOVERY COMPANY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY COMPANY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX
Product: Student loan

Nelnet Student loan servicing is deceiving me.

I have been fighting this loan since XX/XX/2016. This was not my loan, everytime i told a lender that they would sell my loan to a new lender and then i would have to start the entire process over. When nelnet called me in XXXX, i tried to explain they didn't want to hear it. I asked for a forebearance. It was granted. When the forebearance was up in XXXX, i still wasn't able to afford the payments, due to living costs, IRS payments, etc ... I am financially drowning and i have to pay a debt that someone else benefited from. In XXXX before the first payment was due, i requested a lowered amount, they stated that i would be charged $ XXXX/month for 12 months. I again stated that this wasn't my loan and i was told that i had to comply with it or get my wages garnished. They made me accept the terms on a recorded line when i responded to their disclaimer with : " it's not my loan but okay '' they said all i could say was yes or no. If i said no, they would take legal action. I have tried to talk to them but i get disrespected on the phone and by email they want my SS #, this is the way ID fraud starts ( it's happened too many times to me ). I am beat down by this and want a resolution. I can't afford this right now.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account with XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, a credit card account with XXXX XXXX XXXX XXXX XX/XX/XXXX, a credit card account with XXXX XXXX opened on XX/XX/XXXX, an auto loan with XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, a collection account with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and a collection account with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Debt collection

I have no knowledge of this account. Account established XX/XX/XXXX {$4200.00} XXXX bought by collection agency Cavalry SPV I, LLC, I placed a fraud alert on my credit XX/XX/XXXX. I was recently served a warrant for court with an address to a residence Ive never lived at nor do I know of anyone who lives at that address. I called a 3 credit bureaus to file a complaint/dispute. I filed a police report as well.
Product: Debt collection

I called National Credit Systems because the credit reported to all 3 credit reporting agency back on XXXX20.They are trying to collect on an invalid debt. They do not have the last payment date on XXXX XXXX XXXX XXXX. By them not having the last payment date the statue of limitation can not be properly Calcuted. They wrongfully credit reported on my report with a invalid debt. I informed them that without the last payment date they can not properly Calcute the statue of limitation for this debt. Which makes this an invalid debt. The also unlawfully credit reported this to all 3 credit reporting agencies. They refused to fix it. They said dont know what I'm talking about and that they're not lawyers so there's nothing they can do for me but notate my account in their office.
Product: Credit reporting

XX/XX/XXXX after numerous challenges including producting the payment history which showed no payments over 30 days past due, Transunion finally updated my credit report. This specifically deals with the way XXXX XXXX is reported. After over a period of at least 60 days, Transunion willfully and intentionally re-added XXXX late pays that I have been disputing for at least one year. I have produced payment history 's hired an attorney disputed it and disputed it now and again and again. Unfortunately, Transuion never gave written notice of the re-insertion of negative information of my report and as a result is in violation of applicable Federal and/or State Law including FCRA, FASTA, and any and all other laws. I am asking that you intervene and ask Transunion to remove all late pays as they have payment history 's in their file and further make clear to them that they can not re-add negative information to a credit report without notice to me. I have reviewed all letters from Transunion and can find no communication regarding this. Again, this violates Federal and/or State Law and means the negative reporting that they re-added must be removed immediately or they are subject to suit. If they should fail to remove it I am asking that the FTC and the CPRB immediately file an injunction against Transunion prohibiting this conduct not only on my report but on any credit report. This is outrageous that they are willfully and intenionally violating federal law even though I have told them this numerous times. 

If you need any other documents such as credit reports please let me know. I have them all. 
Thank You
Product: Checking or savings account

On XX/XX/year>, I used the Bill Pay features of my Wells Fargo personal checking account to pay three bills as follows : 1 ) {$15000.00} to my wife 's XXXX XXXX account, XXXX ) {$9000.00} to my XXXX XXXX account, and XXXX ) {$87.00} to XXXX  for XXXX internet service. When I checked on the status of those payments, the Wells Fargo banking application showed both the {$9000.00} and {$87.00} payments being made to XXXX on the same day. I opened a complaint with Wells Fargo on XX/XX/XXXX, which the bank closed on XX/XX/XXXX stating that payments were made as directed. I contacted XXXX on XX/XX/XXXX and was told that they received and applied the {$87.00} payment but have no record of the {$9000.00} payment. XXXX XXXX has no record of the {$9000.00} payment either. I then called Wells Fargo to explain the above, and Wells Fargo opened a second matter to investigate. I was told today that the second matter was closed as it was a duplicate of the first instance, which the bank denied. 

Today ( less than a week before XXXX ), Wells Fargo has misappropriated {$9000.00} of our money and it really hurts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showin in 2 credit Companies XXXX and XXXX that account is closed 11 XXXX   XXXX  the have wrong dates it even shows still open And XXXX XXXX   card it should not be on credit report I talk to some one when I canceled
Product: Credit reporting or other personal consumer reports

Account was XXXX in Bankruptcy XX/XX/. Creditor is refusing to update my account information with XXXX after several credit report disputes with XXXX. Account shows a balance & late payments after bankruptcy. Creditor is violating the Bankruptcy Code 15 USC 1681C-2 by knowingly reporting inaccurate negative information. Please update the information as of XX/XX/ as stated by law or delete it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Im trying to get XXXX XXXX XXXX off my credit and credit reporting agency keep saying accurate when the name is clearly incorrect my name is XXXX not XXXX  the birthday is incorrect too
Product: Credit reporting or other personal consumer reports

SEE ATTACHED FTC AND UCC 11 RESULTS FOR ALL FALSE LEIN HOLDERS AND A-L FINANCIAL ACCOUNT.

Blatant Violation of Consumer Rights and Potential Securities Fraud It has come to my extreme dissatisfaction that no clear and conspicuous consent was ever obtained from myself, the consumer, for the furnishing of credit reports by any creditor or credit reporting agency ( CRA ). Neither written nor verbal permission was granted for the reporting of my transactions, nor was I ever informed about the distribution of my personal information to third parties.

This blatant disregard for the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) is unacceptable. Congress explicitly prohibits the reporting of my non-public personal information without my clear and conspicuous opt-out, as outlined in 15 USC 6802 ( b ) ( 1 ). Despite this legal requirement, my information has been used by creditors, third-party debt collectors, and CRAs like XXXX, Equifax, and XXXX, not only resulting in identity theft but also potentially constituting securities fraud. 

Furthermore, my explicit request over XXXX months ago to block and remove these reports, as mandated by 15 USC 1681C-2, has been ignored. This blatant disregard for the legal timeframe of four days for processing such requests is a further sign of your negligence.

Be warned : 15 USC 1681 ( b ) demands that CRAs implement reasonable procedures for handling consumer credit information with fairness and equity. This includes ensuring confidentiality, accuracy, and proper utilization of data, all of which have been demonstrably violated in my case.

Your continued furnishing of these reports without my consent opens the door to potential securities fraud charges under my Congressional findings.

I demand immediate action. Cease and desist all further reporting of my personal information without my explicit authorization. Additionally, I expect a full and swift investigation into this matter, including the removal of all inaccurate information from my credit reports within the legal timeframe. 

Consider this a formal warning. I will not hesitate to pursue legal action against all involved parties if these violations persist.
Product: Checking or savings account

I tried withdrawing {$800.00} from a Chase ATM in XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. But I never received the funds. The ATM didnt print out a receipt or anything. Chase denied my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

OneMain Financial reported incorrect information on my credit report indicating that I am 60 days late on my loan payment. I Spoke with a representative and made arrangements. 

These are the dates I made payments : XX/XX/2020 XX/XX/2020 XX/XX/2020 Current Arraignments : XX/XX/2020 XX/XX/2020 Please assist me in this matter as I am not late with this account. Thank you!
Product: Debt collection

Correct this immediately as your denial violates the law. Remove these fraudulent accounts swiftly or face legal escalation. Your prompt attention to this matter is expected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Kings Credit Services began seizing a part of my wages in or around XXXX to collect on a medical debt. I spoke with a representative of the company ( XXXX XXXX ) after ending my job to setup a payment plan for what she claimed was the remainder of the balance owed. After continuing to make payments for an extended amount of time, I received a balance owed letter in XX/XX/XXXX that resembled the original amount of my debt. Upon calling XXXX, she stated that they had allocated my paid funds to new debts which I was not informed on while the original debt continued to garner interest. When confronted about misapplying funds, XXXX ceased communications. I sent out a letter on XX/XX/XXXX attempting to make a final lump sum payment for the debt. I did not receive any response and followed up via mail correspondence on XX/XX/XXXX. On XX/XX/XXXX I received a response from XXXX with an amount they would be willing to accept based on the payments I had made to date and the amount owed, however in XXXX 's new statement, my payments made-to-date had been altered to show a significantly lower number than I had actually paid. I addressed these false representations in a response to XXXX and received no response. As of my last letter ( dated XX/XX/XXXX ) I have not heard from XXXX or Kings Credit Services. However, I attempted to dispute the collection on my credit report but they refused to cooperate with the credit reporting agency. All of the letters mentioned in this statement have been included as an attachment.
Product: Credit reporting or other personal consumer reports

Called Equifax on XXXX XXXX on phone 45 minutes to clarify why my report is stating XXXX and to get a report. Lady gave confrontation number stating she sent it but yet to receive and now overdue. She sold me identity protection for XXXX a month and I accepted cuz it was half price. Now I can't even log into my account and can't get through to Equifax telephonically.
Product: Credit card

Account with Lowes Synchrony total balance owed of XXXX was paid online XX/XX/XXXX and minimum of {$30.00} due by XX/XX/XXXX. My bank XXXX notified me that XXXX identical payments from Lowes synchrony were hitting my account on XX/XX/XXXX early am. I called credit card services and they saw my payment of XX/XX/XXXX and a duplicate payment XX/XX/XXXX that I did not make. They couldnt help me with that erroneous duplicate payment so suggested I contact my bank. XXXX suggested a stop payment on XXXX and waived the {$36.00} fee. Friday I called synchrony and both payments were stopped. Called XXXX and they apologized for their mistake and suggested we cancel the stop payment since its only able to be done on an amount and both were the same. Also I transferred another XXXX into this account since its not my primary checking account and I dont leave much of a balance. The next week lowes synchrony showed I owed XXXX the original amount and a late charge. I paid both immediately. The next day they closed my account because of two returned payments. I called customer service and XXXX said if XXXX would fax a letter stating they told me they could stop payment on one item and not the other erroneously they would reinstate my account. I went into my bank branch and they dont fax but ran the problem up to corporate. I received a call from XXXX corporate asking how they could make it right and offered to do a XXXX way call. XXXX wont call me back to do that. Every time I call I have to go over all this again. I want to add 2 things 1 ) if I did make a duplicate payment on Tuesday XX/XX/XXXX after making XXXX on XX/XX/XXXX why did they both hit my bank on am XX/XX/XXXX and not a day apart. XXXX explained that by saying the Monday XX/XX/XXXX payment must have been made after midnight. Thats impossible I never ever stay up after XXXX and bill pay during the day XXXX ) I tried to pay my XXXX and XXXX XXXX XXXX cards the exact amount and was given a pop up asking if I meant to make a duplicate payment. Does Lowes synchrony do this? Cant check because my account is closed. Ive never ever had a returned payment in this or any other payments ever!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keeps reporting accounts that are in someone else name and social security number. The following items on the enclosed PDF file are not mine. There is an alternate social that Equifax keeps reporting and can not get it through their head that the alternate social being reported IS NOT MINE and all the creditors have verified this and told me they removed the item, but yet Equifax continues to report it. I have enclosed a printout of the items, every item in YELLOW is NOT MINE, also a copy of the latest three police reports filed. The two addresses in yellow are not mine either. XXXX said they would remove it, XXXX XXXX sent a letter to remove it and yet they appear still on my report.
Product: Credit reporting or other personal consumer reports

In XXXX  a trip was purchased using XXXX which was subsequently cancelled due to COVID and mandatory quarantine. The original travel agency then credited back the amount of the trip but after reviewing my credit reports I noticed XXXX  then reported collections on XX/XX/XXXXXXXX  through XX/XX/XXXXXXXX  ( after I contacted them several times to explain what happened and how the trip was credited back ). Also they reported CO for XXXX XXXX and there after reported collections for XXXX XXXX XXXX. 

After having no relief from the crediting company XXXX I filed several disputes with the credit bureau 's and it was not handled effectively, and it resulted in no change on my credit report. 

I am demanding this is deleted from my credit reports after inefficient investigations. They also refused a reinvestigation.