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

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Account : XXXX XXXX  # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am writing to express my extreme disappointment with the inaccurate and incomplete credit information you have reported about me. Your failure to maintain reasonable procedures to assure maximum possible accuracy in the credit reports you publish has caused me significant distress. I demand that the following information be immediately investigated and removed from my credit profile. I also demand that you provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX  Opened Date : XX/XX/2018 Balance : {$100000.00}. I expect an immediate response to this complaint and a prompt resolution of the issues I have raised. Failure to comply with my demands may result in legal action being taken against your agency. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possibleXXXX {$170.00} U S DEPT OF EDXXXX XXXX {$2000.00} XXXX XXXX  XXXX XXXX {$46000.00} XXXX/XXXX   XXXX {$1900.00}
Product: Credit reporting or other personal consumer reports

I do not have a contract with this alledged creditor. I do not owe a debt to them. This company is violating FCRA laws by purposely reporting inaccurate, invalidated collections on my credit report. 15 usc 1666 protects consumers from fraudulent consumer reporting. I demand this account be deleted for violating my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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: Vehicle loan or lease

On XX/XX/24 I scheduled a future payment with Ford Motor Credit on their online site. I authorized a payment to be posted on XX/XX/24. As of this morning, XX/XX/24 I noticed a payment pending in my checking account from Ford for the amount scheduled to be posted on XX/XX/24. This amount has overdrawn my account and possibly caused my house payment to bounce. I contacted Ford and they explained that they sent the transaction through to my checking account ahead of the payment. I asked why and they could not answer. I also told them that I authorized a payment for XX/XX/24 and not today, XX/XX/24. I also explained to them that they did not even post it to my loan, but they submitted a transaction for the payment. How can this be allowed? It is my understanding that they are not allowed to submit a request until the authorized date. 

I have scheduled future payments before in the past ( loan not on auto debit/auto pay ) and this has not occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : # XXXX XXXX XXXXXXXX XXXX  Account number : # XXXX Account name : # XXXXXXXX XXXX  Account : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX same XXXX XXXX XXXXE : XXXX ; XXXX. XXXX, XXXX : XXXX, XXXX : XXXX ; has violated my privacy regulations & protection to my privacy I ask that these collection accounts are removed from my credit report Experian.

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

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TO WHO IT MAY CONCERN, THE ACCOUNTS LISTED IN THIS REPORT AND THE ATTACHED DOCUMENT ARE FRAUDULENT ACCOUNTS OPENED WITHOUT MY KNOWLEDGE AND CONSENT DUE TO IDENTITY THEFT.
Product: Debt collection

I looked on my credit report and seen a collection for XXXX from Transworld systems inc account number XXXX date opened XXXX.
Product: Vehicle loan or lease

My son, had a loan with XXXX XXXX XXXX XXXX, I am a co-signer. I was making payments on this account. My son, filed bankruptcy, and this company was made aware of the process, however, they did not show up and no one was there to represent this company during the process. I continue, to make payments. They added more money onto the account after the bankruptcy, I filed a complaint informing them that they were overcharging, why is there more fees, being added to this account for the car, the representative, reviewed the account and agreed, that there are extra fees, and stated that she needed to send the account for review. There are fees that should have been written off because of the bankruptcy, was added instead of being subtracted. In XXXX of 2018, we received an letter stating that there was a balance of XXXX still owed, on the car after the review. 
I contacted XXXX, and the representative, confirmed in order to closed the account, I needed to pay XXXX dollars. I paid the amount and was informed that the account was paid in full, and someone will contact me as to where the title should be mailed. After three weeks, I didn't hear from anyone I contacted them inquiring as to the process of receiving the title for the car. 
I was informed that I should allow another week. In XXXX, they reported on the credit report that this account was closed, then I received an late on the credit from this same company, I immediately, contacted this company in XXXX, 2018, I was informed that there was a balance left on the account. 
I explained that I called and also received a letter stating what was needed to pay this account off, I called and paid that amount. They also, reported on the credit this month another late, and the account is still showing closed on the credit. 
I still have not received the title. Every time I call, I am now getting the run around with this company. but the are placing a negative impact on my credit and my son 's credit. Yet, the car loan is still reported as closed.
Product: Credit reporting or other personal consumer reports

Ive been in communications with ( XXXX, Equifax or XXXX ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( XXXX, Equifax or XXXX ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX My only name is XXXX XXXX My only address is XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX My only date of birth is XX/XX/1993 My only employer is XXXX XXXX XXXX You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank You XXXX XXXX
Product: Debt collection

I received a collections hit on my credit report but never received written notice of the collection. I mailed a check to the claimant that is using the collection company back in XXXX and never heard back.
Product: Payday loan, title loan, or personal loan

On the XXXX of XXXX I was approved for a loan with XXXX. I thought about it for a few days as the interest rate offered was high but proceeded to accept on the XXXX of XXXX I then received an email telling me that the loan was declined as they couldn't verify my personal details. No further explanation, yet I have an offer for a loan. I was simply attempting to accept and electronically sign the documents. I emailed them as I couldn't get through on the phones. After getting no response in two weeks, I finally called. only to be told the same denial reason. I was told by the rep XXXX that he knew nothing more and if I wanted more insight I needed to write a letter. Letter? Who sends paper letters in today 's world? Anyway, nothing could be done. This is pretty lame that I'm offered a loan only to have it withdrawn when I'm ready to electronically sign the documents. Just liars.
Product: Money transfer, virtual currency, or money service

I am writing formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Student loan

original date of plus loan XX/XX/2007. paid for many years. I am a XXXX with limited income. I have called and spoke to several customer service agents. loan as been deferred many times. it seems like they like when I do that. the accrued interest on the loan is the same as the loan itself. when XXXX sold to navient, consumers do not have a clear print out of how much money you paid. its an upward climb. and the interest rate is so high. there is no one at Navient that can really advise you to help pay this loan, or write off some of it so you can set realistic payment plan.
Product: Debt collection

The company sent a threatening email to me regarding collecting a debt. The debt collector used threatening language and made it out to be my fault. In addition, they threatened to sue me. I have requested information from the company via mail which was never sent to me.
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 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: Money transfer, virtual currency, or money service

PayPal Credit is the problem and only this aspect of PayPal. I have had my account placed on a temporary hold after paying my complete balance at least three times in this first 6 months using PayPal credit. These holds started at 7 days and the most recent hold has lasted half of XXXX starting on XX/XX/19 and being delayed on into the XXXX XXXX. My bank account is the same Ive always used with PayPal and yet they keep freezing my account for longer periods. PayPals customer service are mystified as to why these holds keep occurring, so I am filing a complaint here in hopes my concerns will be acted on or at the very least warn other consumers.
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. Account name : 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: Debt collection

XXXX XXXX XXXX filed a lawsuit on behalf of XXXX XXXX XXXX. I requested validation of debt and proof of debt XXXX  times. No response at all XXXX XXXX with XXXX This also happened with XXXX and XXXX  XXXX  on behalf of XXXX. Case XXXX
Product: Checking or savings account

I can't log into my account due to an error on the website. 
When I called in they said this is due to a transfer that resulting in another freeze on my account. Last time this happened with another transfer it took roughly 6 months of nonstop calling for a resolution. I spoke to a branch manager and many other managers regarding the same issue that seems to be repeating itself at this bank. There is no reason why I can't access my funds or transfer money into this bank. I have done nothing wrong and there is no reason why they would deny my transfer as it is already a verified and active account linked to my online banking.
Product: Credit card

I purchased a TV with bestbuy store credit card. Within 30 days tv was malfunctioning. Contacted customer service & they tried to walk me through getting the TV to turn back on. They never once offered or informed me of purchase protection plans. A little while goes by, more malfunctioning, contacted cs again. Bestbuy tells me to contact manufacturer because its no longer under warranty through them and that i shouldve purchased a protection plan ( that they never offered ) and it sounded like a software issue. Contact manufacturer and they tell me to contact XXXX bc it's a XXXX XXXX so they're in charge of software. So I contact XXXX and they tell me to contact bestbuy. All the while tv is still malfunctioning and less than 1 yr old, shutting off on its own, not turning on about 1/3 of the time, remote only works intermittently even with new batteries, etc. I make a complaint through the best buy credit card company ( citi ) and they " invesigate '' and say that there's no protection against buying a faulty tv and that I should've gotten protection plan. So i received a letter from citi saying they were investigating issue and no payment was due on that purchase until they reached decision. in the meantime my gf and i were experiencing some major life events and trying to juggle too much. We didn't make that months payment but then the following month called and scheduled a payment that would be made prior to the due date and they agreed to waive the late fees seeing as dealing with major life events could reasonably cause missing a cc payment and told me to contact credit bureaus to have them remove the late payment... .which was also a lie come to find out. The following month they reported the early payment as late to credit bureaus AGAIN even though it was early, charged more late fees and said I didn't make payment so now my new monthly payment is almost {$200.00} freaking dollars. I'm XXXX and live on ssi. We already had unexpected expenses with the major life altering events and now they want to make it to where we can't ever get ahead on payments with their lies. Also causing credit score to drop over 50 points ruining my chances of getting a balance transfer card to get away from these lying scam artists!
Product: Mortgage

In XX/XX/XXXX, AmeriSave promised us that we could safely pay {$470.00} for their required appraisal while we still shopped for better rates with other lenders, because they ( AmeriSave ) would beat anyone 's offer by {$500.00}. 

They then failed to follow through, costing us not only an additional {$520.00} for a second appraisal needed to close the loan with another lender, but also cost us our planned vacation, by dragging the loan on for five months into the COVID-19 restrictions on travel. 

When I presented AmeriSave with that better offer by XXXX XXXX in XX/XX/XXXX they said they could not match or beat it, while not allowing us to use our AmeriSave 's appraisal elsewhere. 

We would not have authorized that first appraisal for AmeriSave if they had not promised that we could still shop for better rates and that they would beat any offer by {$500.00}. XXXX XXXX then closed the loan for us is XX/XX/XXXX, after we had to pay for a second appraisal and with it now being too late to have the travel vacation we had planned for This was a bait and switch, for which I have every email communication with AmeriSave to prove my claims. 

Then I saw AmeriSave 's class action lawsuit from XXXX, saying the same scam cost them {$19.00} XXXX in XXXX. Can you please help us and others who have been burned this way with another class action lawsuit against AmeriSave? 

In XX/XX/XXXX, we asked AmeriSave to reimburse us for the {$470.00} wasted on their appraisal, and they have not responded - even after several emails and calls to the agent and their customer service department, vowing to report them to the XXXX  and XXXX reviews. 

Now, we feel we are also entitled to punitive damages as well, for the loss of our vacation due to AmeriSave 's dragging the loan into the COVID-19 travel restrictions. 

Thank you. 

XXXX XXXX XXXX
Product: Debt collection

YOUR COMPLAINT Radius Global XXXX keeps trying to contact me through phone and mail for an account that is paid and closed. I wrote this company and asked them to prove that I owe this debt or if they legally collect this debt but I get no response. I wrote XXXX XXXX disputing the amount of student loans. Attached is credit report stating that Debt is paid.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Experian. Please delete the following accounts. 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 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: Money transfer, virtual currency, or money service

I'm trying to link my bank account and to XXXX and they are not allowing me to connect. I've had XXXX previously link the the bank account and now it's not working.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in my account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports