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

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 XX/XX/XXXX {$720.00} XXXX XXXX - XXXX XX/XX/XXXX {$0.00} XXXX - XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX  - XXXX XXXX  XXXX - XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Trans Union, XXXX, and 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 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 or 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 data is inaccurate.
Product: Vehicle loan or lease

Company : Oklahoma Motor Credit Company Dealership : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK I am submitting this complaint due to a wrongful repossession of my vehicle following what I believe was an intentionally manipulative payment schedule change and a refusal to accept my redemption offer. On XX/XX/year>, I made a full monthly payment. I also communicated that my next paycheck would not arrive until XX/XX/XXXX. Despite this, my due date was moved to XXXX XXXX XXXX days after my last paymentmaking it impossible for me to pay in time. 

My car was repossessed on XX/XX/year>. 

I attempted to redeem the vehicle by offering to pay all repo-related fees and catch up the balance, but was denied. A representative told me directly, I can stop the repo, but XXXX not willing to. I was not given a reason for this refusal, nor was I provided loan balance information, despite repeated requests. My original contract was also inside the vehicle and has not been returned. 

The Notice of Sale was not issued until XXXX days after the vehicle was taken and XXXX days after my payment. This delay, combined with the other actions, suggests an intent to deny me the chance to fix the issue and sell the vehicle instead. 

I have not received any response from the CFO or upper management after several outreach attempts. 

As of XX/XX/year>, I received a text message directly from the XXXX XXXX Oklahoma Motor Credit Company stating, There is nothing we can do. 

This confirms that the company has no intention of working with me to resolve the wrongful repossession. It also supports my claim that I have been denied fair access to redemption and financial records. This message, combined with prior refusal to communicate and process payment, demonstrates willful neglect and a complete lack of customer protection Harm : Denied the ability to redeem my vehicle despite making payment efforts Emotional distress due to sudden transportation loss and disrespectful handling Damaged credit report due to wrongful repossession Inability to attend work and legal proceedings ( I am currently in a custody battle )
Product: Credit card

1. Comenity Bank violated Contract Law by closing, adversely reporting on, and then selling my TORRID consumer credit card account ( and all personal information tied to it ) to XXXX XXXX XXXX, thus bypassing the contracted Arbitration Clause. ( See attached ). 

2. Comenity Bank has caused damages to my person by falsely claiming the charged off credit card account caused damages to their company. This contradicts their companies XXXX, filed with Securities & Exchange Commission ( Commission file number XXXX ) wherein it states on page F-30 : " An asset-backed security is a security whose value and income payments are derived from and collateralized by a specified pool of underlying assets in our case, our credit card loans. The sale of the pool of underlying assets to general investors is accomplished through a securitization process. We regularly sell our credit card loans to our Trusts, which are consolidated. The liabilities of these consolidated VIEs include asset-backed securities for which creditors, or beneficial interest holders, do not have recourse to our general credit. '' 3. Comenity harmed me due to their failure to properly handle the custodial account. The account was supposed to be set-off by Comenitys trustee, with the initial promissory note that was securitized, thus funding the account. It was the trustees fiduciary duty to balance the books for the account, and pay the dividends owed to me from securitizing my receivables, monthly. 

Per the Securities Exchange Act Rule 15c3-3 and Related Interpretations : 15c3-3 Customer protection - reserves and custody of securities.

15c3-3 ( a ) ( 1 ) The term customer shall mean any person from whom or on whose behalf a broker or dealer has received or acquired or holds funds or securities for the account of that person 15c3-3 ( a ) ( 1 ) /01 Customer/Non-Customer Classification Certain accounts shown on the books of the broker-dealer shall be classified as customer or non-customer as follows : Customer - A broker-dealer to the extent it maintains an account designated as Special Custody Account for the Exclusive Benefit of Customers of ( name of broker-dealer ) which meets the criteria described in interpretation 15c3-3 ( c ) ( 7 ) /01 ;
Product: Credit reporting, credit repair services, or other personal consumer reports

SageStream , LLC Consumer Office XXXX XXXX. XXXX  XXXX XXXX XXXX, CA XXXX Reported a credit score to a XXXX dealership were I was applying for a car loan which was XXXX points lower than XXXX, XXXX, and XXXX. I have tried to contact SageStream but unfortunately no one answers or no one is able to provide a detailed description of what they are basing my credit score on.
Product: Debt collection

I have attempted over the years to establish a relationship with AMEX but they claim I have " cancelled previous accounts with them '' that I can't open a card but I've attempted numerous times to correct the issue and no one will listen to me. I am a victim of Identity Theft and recently I finally filled and affidavit they sent me only to be rejected again for the same reason.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX. I received XXXX credit alerts from XXXX, XXXX, and XXXX that I took out a loan on XX/XX/2024 for {$1000.00} at XXXX XXXX This debt was was sent to a collection agency XXXX XXXX XXXX. 
I have NEVER taken out a loan to this company, nor do I use Any payday loans. This debt isnt NOT mine. I called XXXX yesterday their office was closed. This is VERY alarming that Check Mart would send information to XXXX without doing their Due-Diligence by making sure all Information was correct. Both companies have VIOLATED the Truth In Lending Act, And please explain how a 3rd Party collection agency can report to the Credit Bureau. Consumers has 30 days to dispute the debt and be provided proof that the debt is valid.. 

That CLEARLY didnt happen! That is Clear Violation of FDCPA, and FRCA Especially when you have the WRONG person, and affecting someone Credit Score. To add insult to injury Im going through a background check for a higher job Clearance. This could totally DERAIL my ability to get that position. So I have to XXXX my Time to get this all straightened out. And let my employer know. Because Both of these companies have been negligent. If this details my career in Anyway I will be seeking legal advice in terms of a Civil suit. Im trusting this matter will be handled expeditiously!
Product: Debt collection

The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account I've disputed it with all 3 bureaus they are somehow verifying the debt as accurate. The debt is under a fraudulent name I provided proof of identity the bureaus refuse to update my report
Product: Checking or savings account

So I XXXX  myself some money from my other account to my PNC Bank account. I logged into my PNC Bank account and I saw that my money was pending, which was {$240.00}. I then proceeded to call PNC and asked them as to why my money was not available for me to spend. They told me that they are in the process of closing my account. They have been in the process of closing my account for a while, but the account is not closed and they still allowed me to XXXX myself money to my PNC account. Now PNC is holding my money hostage and refusing to release it to me.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received a phone call on Monday, XX/XX/XXXX from XXXX directing me to call XXXX, XXXX XXXX XXXX in California about a pending civil suit against me. I did not make the call and instead told the person calling it was a scam. She called me again today as after researching the numbers they were both coming up affiliated with scams. She asked me to please call and do a conference call so she could hear. I did this. The person, XXXX who answered the phone started rattling off a company, Columbus Bank, and said it was for an XXXX credit card. I have not had an XXXX credit card in over 20 years and it was paid in full at that time. Of course, being so old I do not have any of the paperwork. She proceeded to read my entire credit report to me which means this supposed law firm or debt collector pulled my credit without my permission to collect a credit card debt that does not exist. She said she was filing in my county tomorrow and hung up. I called back to speak with somebody else but they refused to let me and said I could only talk to her so I hung up and refused. XXXX. The card was paid in full. XXXX. It is over 20 years since I paid it so would be way past the statute of limitations. XXXX. What can I do about my credit report being pulled without my consent from what I understand, this is illegal in the state of Florida to pull a credit report to pursue legal action.
Product: Debt collection

Since XXXX of 2020, I have been keeping an eye on my credit report very closely, using XXXX XXXX, XXXX XXXX and all three credit bureaus, as I am attempting to get a VA home loan. Working with my lender I was able to verify old debt, and pay it off. I check my credit report at least once a day and ensure that nothing new is opened or money spent on a credit card that would hurt my ability to buy a home. Today XX/XX/2020 @ XXXX I woke up, checked my credit report on XXXX XXXX and noticed a new line of credit from VeriCred Solutions LLC for the amount of {$1400.00}, had been opened in my name on XX/XX/2020, more than 33 days ago. I checked this with XXXX XXXX and all three agencies and none of them showed any debt by the company VeriCred Solutions LLC, nor any debt for that amount. It has also been more than 33 days and I have not received any notice either by mail, email or a phone call about said debt. Under the law from my understanding this is an illegal tactic sometimes employed by credit agencies.
Product: Credit card

Ive submitted a fraud complaint several times with all 3 credit bureaus XXXX XXXX Capital One XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have account that are not accurate and possibly fraudulent as to I have never done any business with the following companies : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX # XXXX. I have requested documentations and proof of claims from all of the above companieswhich I have no records of ever doing any business or establishing any contracts for business with the above Third Party collections agencies. Pleasedelete the account at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CARES Act and Credit Reports states. 

If you made an arrangement wit a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX and 120 days after the COVID-19 national emergencies ends. 

Capital One Is reporting late payments ( XX/XX/XXXX, XXXX - XXXX, XXXX ) to my credit report however, I had followed all steps of making valid and on time payments to my account. My account is current via the cares act with this company during those periods however they are still reporting inaccurately to all three of the national credit agencies. I was current before and after that time.

Cares Act states If you are current on payments and make special arrangements, creditors must report the account as current. Late and missed payments CAN NOT be reported if you have already made arrangements. However this account was paid on time and current.
Product: Mortgage

I have three ( 3 ) late payment for the months of XX/XX/2019, XX/XX/2019, XX/XX/2019 My mortgage bank notified me of being in breach of contract and I had until XX/XX/XXXX to remedy the breach. 

Mortgage payments are $ XXXX month All late payments were paid on the following dates : XX/XX/2019 in the amount of $ XXXX by check XX/XX/2019 in the amount of $ XXXX over the phone XX/XX/2019 for the amount of $ XXXX over the phone The Bank has notified me that there was no payment posted or made on XX/XX/2019 for the amount of {$700.00}. 

However, my personal bank and checking account statements show a mortgage payment by phone was made and charged by the mortgage bank. 

The mortgage bank requested my bank statements to be faxed to their office to help open an investigation into the missing mortgage payment. 

Upon notifying the bank of my faxes sent and sending the bank statements to two different fax telephone lines, a bank rep mentioned they never received the fax statements, yet the fax machines I used for both lines confirmed the statements were sent successfully. 

I contacted the mortgage bank to discuss another discrepancy that occurred on the same date as the " lost payment '' ( XX/XX/XXXX ). Immediately after making my payment and changing my contact information, I received -- by email and by direct mail -- a confirmation letter addressed to a different person altogether! 

Some man and name I do not recognize. 

It is now XX/XX/XXXX as of writing this complaint, I called the bank to discuss my faxed paperwork and the discrepancy for the unrecognized name. The rep who answered was instructed by management to tell me they were too busy and too understaffed to handle my call and would call me back on my cell phone at a later time.
Product: Debt collection

I found several unauthorized accounts on my credit report. Kindly take action to remove them immediately.
Product: Mortgage

Flagstar Bank has been harassing me about an old mortgage which was transferred to them about the same time I refinanced the VA loan with a new lender. See below warning I sent them recently. They should have their license revoked. This has be going on for 45 days and I have tried to get them to stop by phone and email and the robot calls continue enough is enough Mortgage Payments Flagstar Bank you are put on legal notice I will immediately sue Flagstar bank for harassment by mail and ROBO calls to my phone and mail concerning payments on a Mortgage loan which was refinanced by a new lender on XXXX XX/XX/2020 and your funds your looking for are with XXXX. ( I have called you 3 times about this loan. I have a new loan and it sure is not with Flagstar. Further I will send a letter to the VA to suspend your license for harassment to a VET, I'm done calling or writing you. You ding my credit and will take this further to court. 
SIGNED XXXX XXXX XXXX
Product: Credit card

A female caller from XXXX has called XXXX times in XXXX days regarding a fraudulent charge on my XXXX credit card. I do not have an XXXX credit card. She keeps asking for personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I subscribe to XXXX XXXX XXXX credit monitoring. I pay {$24.00} a month dating back from XX/XX/XXXX. Recently, while doing my online bill paying, I noticed that I have been getting doubled billed for same service. XXXX XXXX XXXX credit monitoring service has also been charging me {$19.00} a month dating back to XX/XX/XXXX totaling approximately {$200.00} as of XX/XX/XXXX. Experian said that account had only been acessed 2 timez, both in XXXX when opened. I have no knowledge of opening this XXXX XXXX XXXX XXXX XXXX, especially since I already subscribe to the service. 
I spoke with a supervisxor at experian ( XXXX # XXXX ) who stated they would only refund me 1 month of subscription. Obviouslly I feel this is unfair since I have no knowledge of this account, nor have I ever logged into it. It makes no sense to pay double for same service. I tfied explaining and reasoning with the Experian supervisor to no avail. 
I have since cancelled both accounts due to the treatment I recieved. Im just requesting the {$19.00} X 10 months, {$200.00}. 
Thank you XXXX XXXX
Product: Credit card or prepaid card

I was astonished once I viewed my XXXX, XXXX and XXXX  credit reports and found that I was reported as having a late payment on the date below : 30 days past due as of XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Product: Student loan

I have a student loan originally from XXXX, whom was replaced with Navient. I have tried repeatedly to get my loan payments lowered due to the change in my financial situation. Naviet refused to lower my payments. Instead, I was told the only thing they were able to do was give me a XXXX month extension, and delay my payments, which made no sense to me. 

My income had decreased drastically, and my husband had also taken sick leave from work. I was constantly told delayed payments were my only option. 
I was devastated. 
I feel that I was never given an fair chance to repay my loans.
Product: Debt collection

I am submitting this complaint regarding a concerning interaction I had with a debt collection agency. On XX/XX/year>, I contacted Collection at Law , Inc. to discuss a claim they had filed against me. 

During the call, I spoke with XXXX XXXX, XXXX. ( XXXX XXXX XXXX. XXXX ) insisted that I provide my full Social Security number before he would speak to me about the claim, although he stated that he is looking at the claim as we were speaking, this clearly indicates he did not need any information from me to see the case information. I expressed my discomfort and asked if there was an alternative method to verify my identity, such as the case number to the claim Collection at Law, Inc. filed against me in the County of XXXXXXXX XXXX, but they refused to proceed without my full SSN stating that the case number was public information and would not suffice. Feeling pressured and intimidated due to the court action they have taken against me and with no other option presented, I reluctantly provided the information. 

I was also not informed until after I gave my personal information, that the information would be used to collect a debt. 

I believe this practice is excessive, inappropriate, and a violation of the Fair Debt Collection Practices Act ( FDCPA ), as it placed undue pressure on me and created significant concern about the safety and privacy of my sensitive personal information. 

I am requesting that the CFPB investigate this incident and ensure that this debt collection agency adheres to proper verification procedures without compelling consumers to disclose their full Social Security numbers. I believe XXXX XXXX, XXXX. pressured me for this information so he may use it against me in their debt claim against me. 

I also have information of this original debt being charged off by the original bank who held the account. Collection at Law , Inc. is attempting to collect a debt that has already been charged off by the original agreement holder of the account. 

Thank you for your attention to this matter. I look forward to your response and resolution. 

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

Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains 60+ days late payment XXXX reported on [ XXXX ] for my [ XXXX XXXX XXXX ] account. This account was paid in full XX/XX/XXXX on time payment where made since XXXX I have printed a copy of last 4 payments to show that this account was never late
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX # XXXXXXXX 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 with ought my written instructions.
Product: Money transfer, virtual currency, or money service

I filed a dispute with my bank XXXX XXXX XXXX XXXX because my debit card was stolen and used to make several transactions on cash app. I filed this dispute with my bank XXXX XXXX. I have called into cash app support number and I havent received my money back or adequate information of when I will be receiving it. I have been calling none stop.my bank has told me that the have initiated the fraud claim The amounts that were stolen {$400.00} {$450.00} {$500.00} {$1200.00} {$2000.00} {$1500.00} {$1000.00} {$150.00} {$18.00}