23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 XXXXXXXX 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 : lt 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

I saw a new collection appear on my XXXX XXXX. This collection is by Portfolio Recovery Associates , LLC. I have no information at all on this company, but I did get a phone number. They told me they're seeking to recover a debt by XXXX XXXX. They gave an opening date of XXXX. However, I did have a XXXX XXXX card opened in XXXX. I paid in full and closed this account. This company is attempting to collect on a paid credit card.
Product: Money transfer, virtual currency, or money service

I had some transaction issues with XXXX XXXX where I belive that I got accused for fraud for money that got sent to me from another cash app account. On XX/XX/year> my bank CHASE wich was my main bank provider informed me by taking {$600.00} dollars from my account. When I called CHASE to figure out what the issue was they informed me that my account was under investigation due to delinquent fraud. At the moment I couldn't prove to CHASE or XXXX XXXX that i was innocent about the whole mix up.Until last week I came in contact with the other party that was associated with XXXX XXXX account that sent me money that was in question from both bank providers. I have proof that I wasn't the person that got sentenced on the charges of the money that XXXX XXXX took from my CHASE account.
Product: Credit card or prepaid card

I have had a Wells Fargo credit card for years. I always make automated payments by providing my checking account routing number and account number. Recently I moved my checking account to a new bank. I need to give my new routing number and account number to Wells Fargo so my account will not become delinquent. I tried providing the information on the website but found it to be impossible. I tried sending an email through the website message system and was told i had to call an XXXX number. I tried the XXXX number and was told they can not take this information over the phone. In other words, Wells Fargo makes it impossible for me to make this payment and just wastes my time with runarounds.
Product: Credit card or prepaid card

Apparently I had a missed payment that I did not know about until an app that tracks my finances notified me about a finance charge. I then logged into my card account to pay my bill as a finance charge means there is a late fee. Upon logging in, I see that my account has been closed. I spoke to two operators using chat and 3 operators using the call line. The told me they closed my account due to 2 missed payments over a 24 month period. Not once was I notified that this could happen, wasn't notified that 45 days in advance for major change to credit card account, and wasn't notified immediately after. I tried to resolve the situation and they told me there was nothing they could do even after being a customer for so long. I do not feel that this is right. Especially since I immediately payed once I realized the mistake. I've only ever missed one other payment the entire time that I have had the card and i got the card in XX/XX/2013.
Product: Credit reporting 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 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 and list of Inquiries. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 card

I have been contacted by Barclayard Visa to advise that unless I use my card they will cancel the card. I have not used the card in a year, prior I made a large purchase paid several payments then paid off the card. If they cancel my card for not using it my credit score will be effected in a negative way. So in essence I have been told that I must make a purchase or my credit score will be altered, to me this is fraud. XXXX has used similar strong arm techniques.
Product: Money transfer, virtual currency, or money service

I have tried to send {$1900.00} to XXXX through Remitly on XXXX XXXX 2017 and they promised to deliver the funds by XXXX XXXX 2017, which did not happen. I called the customer support they said that are having technical issues and still need some time to deliver. I called on XX/XX/XXXX and inquired about this, they said still they are having issues. I wanted my money back, they are saying that it can not be refunded until 10 business days. This company seems to be fraud, I am worried about the money.
Product: Vehicle loan or lease

I purchase a new Nissan XXXX in XXXX. The regular payment is {$420.00} and they are due on the XXXX of each month. 
My first payment in the XXXX app was {$450.00} in XXXX. It indicated all additional money paid would go toward principal. It did not. 
I ended up with a {$23.00} credit. 
I found that if I logged into my XXXX account online instead of using the app, I can designate a principal only payment. 
My next payment in XXXX, I paid only the {$420.00}. Then made a separate {$23.00} principal only payment. ( they can not be made on the same day ) All was good. 
In XXXX, I paid {$420.00}, the regulary payment early, on XX/XX/XXXX. 
I now had a credit of {$450.00}. The {$23.00} from XXXX plus the regular payment due on XX/XX/XXXX, but paid early. 
I called Nissan on XX/XX/XXXX. XXXX said the payment will credit on XX/XX/XXXX. I said, no, I pay early in order to save interest over the course of the year. He said Nissan is aware of the glitch and is fixing it. 
I then had him take the {$23.00} still showing as a credit and pay it toward principal. He explained it would take several days ( not sure why ). 
Well, as of today, XX/XX/XXXX, I have a {$420.00} credit and my XXXX payment is showing unpaid. AND the {$23.00}? It is listed as " regular payment '' not a principal only payment, as is the principal only payment of {$23.00} I made on XX/XX/XXXX. 
XXXX should be applying principal only payments to PRINCIPAL at the time they are made, it should not show up as a " regular payment. '' Also, payments made early need to be applied WHEN THEY ARE PAID for the purpose of reducing overall interest paid. 
I feel this is a dishonest business practice. I am XXXX years old and have had many auto, home, and other credit loans throughout my life and I have never seen this before. 
I thought this should be reported and looked into because if it is happening to me, its certainly happening to thousands of others, too. 
Thank you for you assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has not updated its account for XXXX Mastercard and thus my credit score remains lower than the other two credit reporting agencies. XXXX carries a score of ( XXXX ) XXXX ( XXXX ) and Transunion ( XXXX ). As you can see the account has been submitted since XXXX and remains unchanged on Transunion site
Product: Debt collection

I believe this account is a fraud. Please see attached XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Names : XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXS Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Name : XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Checking or savings account

Since my daughter passed away I've been helping with my grandkids. I got into loan debt to deep.I have a debt consolidation to fix the problem.Iv emailed each company revoking access to my checking account.I was advised to talk to my bank to put a block on these lenders. They keep telling me that the only thing they can do is a stop payment on the lenders for {$30.00} per lender I've called customer service 3 times, sent an email even been to a branch to talk to someone but Noone is ever available Chase isn't helping at all
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct address XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days. 
Thank you, XXXX XXXX XXXX XXXX
Product: Mortgage

It is high time credit providers should be able to provide interest rates on mortgages without the need to pull ( ding ) credit or do a full underwriting to do so. The major factors of credit score/LTV/terms requested style ( fixed/variable and maturity ) should be more than enough to quote current interest rates without playing the games of requiring all information thereby locking the borrower in to using them as the provider. It is just a sales game and needs to stop complicating the process. Providers need to set themselves apart and make themselves preferable via the service they offer rather than trying to handcuff borrowers via the request for excessive information and credit dinging.
Product: Debt collection

Receive a letter on XX/XX/19 from SCA credit services of XXXX case number XXXX. 

Called today at XXXX to explain that I never received a bill from XXXX. 
She said that they typically send out three notices. But that she did not have proof of the dep and that is was not her job to provide proof of the dept.

I requested the original bill or proof of a bill, She said she would mark the account as client refused to pay. She told me to contact the post office.

I told her I would pay as soon as I could review the original bill and proof of the dept, She refused to take this note and would not provide proof of the dept.

She hung up on the call after refusing to provide proof or to take a note for the record that the bill was never received.
Product: Debt collection

I am a victim of identity theft, I have XXXX knowledge of these collection medical bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXX XXXX XXXX. added a derogatory mark on my credit report per XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mines, my identity was stolen and compromised years ago snd and the result of that has affected my credit files with unknown and unauthorized accounts. I'm demanding that the 3 major reporting credit agencies remove these accounts. 

1 ) XXXX  XXXX XXXX  XXXX 2 ) XXXX  XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX  XXXX XXXX  XXXX XXXX 5 ) XXXX/ XXXX XXXX 6 ) XXXX XXXX 7 ) XXXX XXXX XXXX XXXX 8 ) XXXX XXXX  9 ) XXXX XXXX XXXX {$20000.00} 10 ) XXXX  XXXX XXXX 11 ) XXXX   XXXX XXXX XXXX  12 ) XXXX XXXX
Product: Credit reporting

I have several accounts that were investigated and removed from my TransUnion Credit report. The problem I am encountering at this present time is item that was remove are appear back on my report. 
XXXX. XXXX XXXX XXXX. BRCLYSBANKDE XXXX. XXXX XXXX XXXX XXXX My recent credit score went down XXXX point this week.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXXXXXX 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.
Product: Debt collection

waypointresgrp they keep calling but will not give me any information. they want my ss number and I will not give it to them. they want my information but will not tell me what this is all about
Product: Debt collection

XXXX insurance issued a debt for an auto accident that was dismissed in court. Case # XXXX. Attorney XXXX XXXX XXXX Ph/ # XXXX. The collection company is NCS at phone # XXXX. Name of representative is XXXX XXXX and he not only is calling numbers not associated with me but after providing him with attorney information and verbally explaining him to cease and desist he continues to make harassing calls.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Bank account or service

I have an inquiry from Barclay 's Bank Delaware that I never inquired about and it is effecting my credit score
Product: Mortgage

My mortgage was bought out while I was in a mortgage reduction I obtained after filing chapter XXXX bankruptcy, We were with XXXX XXXX XXXX at that time. Our mortgage has been sold or transferred 4 times. Ditech mortgage obtained us at the end of the bankruptcy and mortgage reduction. We have paid out payments on time ever since we got the reduction. Well our bankruptcy discharged XXXX/XXXX/15 and they have not released us. I can not view or get any information from them concerning payment history, payoff, general info. I have spoke with them on numerous occasions, twice a week for a year, they have not taken any action. When I call, I am on hold over an hour just to speak to anyone. They told me the audit was complete and they were waiting for a super to sign off the last 6 times I called. I ask to speak with a supervisor, none could speak to me. I have wrote emails also, no action. I am now refinancing with XXXX, all is approved, but we need payoff letter, no response to XXXX or myself for 2 weeks, and I 'm about to lose my rate. Please help!
Product: Debt collection

THE PROPERTY IS IN THE XXXX XXXX OF DEEDS UNDER NO. XXXX XXXX : XXXX PG : 53, DOCUMENT ID NO. XXXX, WHICH IS REGISTERED UNDER THE NAME OF XXXX XXXX XXXX AND COVERS A REAL PROPERTY ( PARCEL OF LAND ) LOCATED AT XXXX XXXX XXXX XXXX, XXXX MA XXXX, CONTAINING AN AREA OF XXXX SQUARE FEET. THE MORTGAGE EXECUTED IN XXXX WAS DISCHARGED IN XXXX AS EVIDENCED BY NO. XXXX XXXX : XXXX PG : 356.I HAVE ALL BENEFICIAL INTEREST IN THE PROPERTY PER the Voluntary Alienation Deed, dated XX/XX/XXXX ( Agreement ), between me and XXXX XXXX XXXX XXXX AND all persons within this claim have willfully and knowingly interfere with our contractual obligations. The second Discharge of Mortgage in good faith was recorded on Book XXXX, Page 369, Document XXXX, at the XXXX XXXX of Deeds on XX/XX/XXXX. Please see attached filed copy of the Discharge of Mortgage on file with the aforementioned Registry of Deeds for reference. Rushmore Loan Management Services , LLC. acquired this loan on XX/XX/XXXX, while your company should have been aware that this loan was discharged in XXXX. Please be aware that fraud has no statute of limitations, and a careless or negligent act can result in liability for damages inflicted on others. Rushmore never had any rights in this matter where all debts are prepaid. Abusive practices have caused me and my kin unmeasurable amount of distress. Redress must be provided immediately to avoid any further distress. I never had a contract with theses perps. My personal property was taken with force and threats which caused us public humiliation and emotional pain and suffering. The CFPB must enforced our rights in accordance with the law. Please be advise ignorance of the law is no excuse nor defense. We are owed relief for the theft and unlawful usage of our personal property without compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX to XXXX I ( XXXX XXXX XXXX ) attended University XXXX XXXX. I graduated with an XXXX XXXX and continued my education there, in efforts of achieving a Bachelors in XXXX. 

I currently have a few debts owed to the XXXX XXXX XXXX organization that has been sent to creditors. I have had trouble paying the amount of {$85000.00} ; this has impacted my credit report. 

I recently hire some legal aid to assist me with disputing to Experian, XXXX and XXXX and other creditor about removal so that those loans don't impact my credit score. I have been told by my personal Legal Agent that over 7 years would enhance my odds of having them removed so they don't impact my credit score. It has also been suggested that I contact your organization about this issue and having the XXXX XXXX  removed from my credit score so I may continue working to improve my score. 

I am discussing arrangements now to repay the loans with the creditor these loans have been sent to. 

The legal aid service pursuing this claim is call XXXX XXXX - they have sent some notices and recently escalated this issue since it has been seven years and although we have reach out to national creditor services like Experian, XXXX and XXXX they have yet to respond in our favor