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

To Whom It May Concern : I recently received a copy of my credit report and I noticed you're furnishing an account on my consumer report that should not be on there. I demand the below account be deleted from my consumer report. 

Account # - XXXX XXXX XXXX XXXXXXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

Thank You XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX {$0.00} XXXX XXXX XXXX {$14000.00}
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXXhas violated my rights. 

I looked at my TransUnion credit report on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ). 

In according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 Section 602 states, There is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. Equifax, XXXX and XXXX are consumer reporting agencies and Im the Consumer. I have the right to make sure that the my private information isnt shared, which is backed by 15 USC 6801, which states, 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 USC 1681 Section 604, Section 2 states that, In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other reason : in accordance with the written instructions of the consumer to whom it relates. The financial institution and the Consumer reporting agencies, Equifax, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( C ) states, A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states, Except as authorized under subsection ( b ), 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S. Code 1681s-2 ( A ) ( 1 ) ( A ) states, 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. 15 U.S. Code 1681e states, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX and XXXX is not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of all reporting services.
Product: Credit reporting or other personal consumer reports

I am seeking your help with the erroneous account reported on my credit report. This issue has negatively impacted my reputation, and I need your support.
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 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 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: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to state they have verified this allege child support account when I know its incorrect. I would like to know the details explicitly on how they verified this information when I called the support office and they stated they have not spoke to no representative to confirm this information. This is my final attempt at removing this account before I sue and use every complaint filed as evidence I have repeatedly asked for the method of verification on which they determined this information was indeed correct.
Product: Student loan

Navient, the nation 's largest servicer of student loans, has for years misled borrowers and made serious mistakes at nearly every step of the collections process, illegally driving up loan repayment costs for XXXX of borrowers, according to lawsuits filed on Wednesday by a federal regulator and two state attorneys general. 
From XX/XX/XXXX to XX/XX/XXXX, CFPB estimates that Navient 's practices cost borrowers up to XXXX in extra interest by repeatedly enrolling borrowers in forbearance. CFPB also found that many federal student loan borrowers were unaware that the government could pay part of the interest charges on their loans when personal circumstances prevent borrowers from keeping up. 

The lawsuit names Navient and two of its subsidiaries : Navient Solutions, the corporate division responsible for loan servicing operations, and another subsidiary, Pioneer Credit Recovery that collects on defaulted student loans with the parent corporation. All three entities are charged with systematically making it harder for borrowers by incorrectly processing payments or failing to effectively act when borrowers complained. Instead of assisting borrowers with available options for repayment, CFPB charges that borrowers were steered into forbearance, a temporary and high cost solution that suspends payments but allows interest rates to continue accruing.
Product: Vehicle loan or lease

I had an auto loan with prestige financial group and I no longer have the vehicle. They have tried to get with me about paying off the car, but I no longer have the car and I dont have the car because I couldnt pay the note anymore due to financial hardship. The car was repossessed and they are still sending me emails to collect to car debt. Im pretty sure the car has been sold abs they are asking me for the full price the care was purchased for. I got the car in 2017 and it was repossessed a year later abs they are still reporting to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent of letter of dispute asking about proof of a debt and a contract with both party signatures. they sold the debt to an debt collector name galaxy and upgrade still harass me even though they have ignored my dispute. both them and galaxy international purchasing
Product: Checking or savings account

I opened a checking and money market with BBVA Compass in XX/XX/2019. I made several transfers from my existing bank in the process of transitioning to this new bank. On XX/XX/2019, BBVA closed my account, sent me a letter indicating that they would send me a cashiers check. This has not been received 2 weeks after freezing/closing my account. 

Or or about XX/XX/2019 I made a further transfer of {$9000.00} from XXXX via an ACH pull from BBVA, having transferred smaller amounts previously. This was intended to satisfy the minimum balance of XXXX for their money market account. Shortly thereafter, my online access was frozen and when I called, I was told first that my funds were being held until they cleared. When this was not resolved, over the weekend, I was told that my account had been closed for reasons that could not be disclosed. Last week I called BBVA and was told that I would not be receiving a check, instead XXXX was requesting the money back. I called XXXX, who confirmed that this was false and that there is no dispute. I want my funds back, which are between XXXX and XXXX. Because I can't access any information about my account, and because of constantly changing stories, I'm at a loss. BBVA also reversed XXXX completed PIaid based ACH transfers, which were against cleared funds, leaving me with charges and negative balances at both institutions.
Product: Debt collection

LVNV added a collection account on my credit file That they no long owe. I was in dispute with LVNV from XX/XX/XXXX. I sent them a validation certified letter in which they never answered. I opened a complaint with the XXXX  in South Carolina and no answer. As of XX/XX/XXXX they added this to a collection account on my credit report. Now as of XX/XX/XXXX another collection agency saying they own the debt. This is completely false. I am in dispute with XXXX XXXX who claims they now own the account. How can XXXX collections agencies own the same debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed two items on my XXXX, Equifax and XXXX  credit reports on XX/XX/21. It has been over 30 days with no resolution. 

I sent a 30 day demand to comply letter to XXXX, Equifax and XXXX, on XX/XX/21.
Product: Mortgage

XX/XX/2019 XXXX XXXX Loan number XXXX XXXX XXXX XXXX XXXX, CA XXXX To whom it may concern, I'm filing this complaint regarding the handling of my modification request, by LoanCare, in the hope that you will be able to assist me and get this request approved. 

I began the process of submitting paperwork almost two months ago and over the course of this time I have been instructed to resubmit duplicate documents repeatedly. I have submitted numerous months worth of bank statements, check stubs, and expense says over the course of the last month-and-a-half, only to be told on XX/XX/XXXX that my request for modification was denied. 

The reason for it being denied was that LoanCare claims I do not have enough Surplus income to support modifying the loan - this is incorrect, as I have over {$1000.00} in Surplus income. 

Not only this, but LoanCare claims that my home is not my primary residence. This is also Incorrect and, although I provided them with an explanation and documentation proving that it is my residence - that every homeowner has a PO box at the post office that they pick their mail up from - I still haven't been updated as to the status of my appeal. 

It's painfully clear that loan care has their own agenda, with regards to this modification request and I'm asking that you step in and demand that they'd give a proper, correct and thorough review.
Product: Credit card

I have paid money every month {$100.00} or {$210.00} every month for 3+ years on time to be applied to the principal. I work XXXX jobs, care for XXXX children and had the payments on auto pay, I finally checked my balance and realized that the balance had not really gone down. Plus I was being charged this superfluous " membership fee '' of {$3.00} each month, unbeknownst, unauthorized, and unwanted. I sent a letter requesting immediate credit for payments on the principal and refund of the membership fee to be either refunded or applied to principal balance. This is Capitol One " credit card '' and I took it out of my wallet as they fraudulently charged me fees and misappropriated funds that were to go to the principal balance.
Product: Bank account or service

Citibank sent me an invitation to open a citigold checking account in return for an award of XXXX frequent flyer miles. The requirement is that : 1 ) I spend over {$1000.00} using the debit card ; 2 ) I use bill pay over 2 consecutive months. The award should be completed within 2/3 months after i complete my required actions. The account has been active for 6 months now, I have done all my required purchases, yet no award. In the meantime I am paying a fee every month because I do not maintain a minimum {$50000.00} balance. I agree to the fee, but I did not anticipate that the bank would take so long to give me my award. When I called in to enquire, the customer service agents refused to give me the details of the promotion and instead told me I have to make more purchases. I believe that citibank is fraudulent in that it falsely promises to award the XXXX frequent flyer miles upon my completion of the requirements and prolong the process to collect more fees from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted to Experian a dispute involving XXXX XXXX. The account is incorrectly reporting with Experian and I provided documentation and full credit reports to display the inaccuracies and request deletion. I received notification the dispute had been completed so I pulled my Experian report today. Experian says they did an investigation of my claims but they did not address any of the errors or delete the account in question as I asked for. They have not fulfilled their obligations under the Fair Credit Reporting Act so I am filing a complaint. 

Thanks XXXX XXXX
Product: Checking or savings account

An outside source hacked my Wells Fargo business account and made two withdrawals as payroll deductions -- {$2000.00} & {$5000.00} -- one day apart. When I realized what had happened, I contacted the fraud department of the bank, explained that I hadn't made these withdrawals -- I'm only a one person company and don't have a payroll process in place ; I make a distribution from my company when I need it.

Within a day or so, the {$2000.00} withdrawal was returned -- the last withdrawal -- and when a week passed and I didn't see the return of the {$5000.00}, I followed up with the bank 's fraud department. I was informed that even though they were able to retrieve the last withdrawal they didn't pursue attempting to retrieve the initial {$5000.00} because I didn't inform them within a 24 hour period after the withdrawal that this has transpired. I was stunned to hear this since they realized this was fraud, knew the source of the funds, that they didn't pursue because this transaction was outside of the 24 hour period. Some additional information -- Wells Fargo 's entire system was down for a number of days when these transactions occurred, and this information wasn't even available to me until Sunday -- the day I filed the claim. 

I subsequently filed a report with the XXXX XXXX XXXX police of this fraud and how the bank responded to this. The officer taking the information was as confused as I why if the bank knew where the money was and that this was obviously a fraudulent transaction, that would not pursue getting the money back because it fell outside of their 24 hour policy. 

I was informed by the fraud department that they would record my disagreement with their resolution and respond within 120 days. I am semi-retired ( XXXX ) and have a very small XXXX company and {$5000.00} is a great deal of money to me. Suffice it to say that while I don't expect to hear back from them, that I wanted to record their actions to the appropriate organization for further review.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer ( XXXX XXXX ) and the one with ALL THE POWER, these accounts on this letter must be deleted immediately AS IN ASAP, or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX, and federal trade commission. I sent these credit reporting agencies a letter on XX/XX/2021 letting them know that these Fraudulent accounts were on my credit report. they were supposed to remove them after 4 days of receiving my statement, but still to this day XX/XX/2021 they have not removed it. this is against the FCRA laws and I feel violated. I pray the CFPB handles this case properly. Erroneous RESULT OF The Equifax /XXXX  Data Breach Direct Violation 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX  XXXX  and Equifax. also I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block.SO DON'T TRY TO PULL THAT STALL TACTIC. If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). Also i request that you send me a validation of all debts according to GAAP, if you can not do that then you must remove. Please see attached invoice and issue proper CONSIDERATION for damages I suffered immediately upon receipt of this letter.Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have 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: Credit reporting or other personal consumer reports

Hello I writing because this account was temporary and accidentally opened because I thought it was a loan but it was a program. I paid so it would not affect my credit then closed it because it was open erranously, also for the time its staying on and affecting my credit is not worth it, we pretty much had no business, please remove for me please as you see it wasnt a bad account, just closed after thought it was a loan... please remove from my accounts as you can see my story goes with account history.. thought it was a loan application