23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Please consider this note an official complaint against XXXX , XXXX, due to their lack of transparency and the barriers they raise for customers, like me, who want to get a copy of their credit report, opt out of unsolicited offers, or place a security freeze. 

I hadn't heard about XXXX until today. I applied for a car loan approximately two weeks ago using company makes competition between multiple lenders possible. My credit scores with the 3 main credit reporting companies - XXXX, XXXX, and XXXX - has been between XXXX for the past 3 years or so. So I was surprised to receive a letter today, XX/XX/2018, indicating I was denied credit by one of the competing companies, XXXX, because of a score from a company I had never heard of, XXXX , XXXX. 

My issue is not the score itself, but the lack of transparency and barriers to getting basic information to fix an manage my credit. Upon receiving the letter, I looked up their website and attempted to obtain my credit report ( so I could assess if it was accurate ), place a security freeze ( due to the XXXX  security breach ), and opt out of unsolicited offers. 

While all other credit reporting companies allow consumers to do this online, XXXX, does not. Instead, they required a signed letter with my photo ID, social security number, and a host of other details. I only disclose my social security number in writing once a year, when I pay my taxes. Otherwise, I avoid providing my social security number in writing to anyone, especially to companies I never engaged with or solicited services from. The request for someone to provide information in writing, especially personally identifiable information is an extreme deterrent. It certainly was and is a deterrent for me. Any randomized control trial will demonstrate that. I'm certain XXXX will claim I did not attempt to resolve my dispute with them first. But what XXXX has done is place an unreasonable burden on consumers in order to deter legitimate complaints and disputes. 

Moreover, the XXXX practice of requesting a photo ID, social security number, and a written, signed letter for to access what they recorded about me is absolutely backwards. XXXX does not have a right my data. I do. XXXX does not have the right to place the burden proof on me. XXXX does not have my permission to collect my information, much less disseminate it for advertising. XXXX does not have the right to burden me with fixing my credit. And XXXX does not have the right to make it burdensome for consumers to access the information they collected, or make it difficult to place security freezes. They never asked for nor did they receive my permission in writing.
Product: Bank account or service

This is a new complaint specifically on XXXX XXXX. 
I opened Certificate of deposit # XXXX back in XXXX with SUNTRUST BANK. Original amount was {$32000.00} every year I renewed this CD automatically. Every year I received interest and I received the form to report interest income to the IRS. I am now XXXX years old in XXXX and XXXX I could not do any banking due to health reasons. I started to go back to Suntrust Bank, and when I asked for this CD I was told at the XXXX Branch that I did not have any CD I had others but not this. I kept banking at the XXXX XXXX branch. I approached the bank with this issue accompanied by family members who can attest and every time I was told there will be research and they will inform me. Nothing happened. Finally due to theft from bank employees in my other accounts I started to complain to the XXXX. and then to your office. Lately, I mailed all these forms to your office with copy to SunTrust Bank to the attention of XXXX XXXX XXXX. And as usual got NO answer. I called this morning and you did not get my mailing I have the receipt from the postal office to your XXXX. Please note all other CD inquiries have been addressed or partially addressed by SUNTRUST Bank. But there is no explanation about this CD. It is been many years with no answer. Please help with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Quicken Loans to remove the hard inquiries from dates : XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX was contacting us weekly for months via email and telephone giving us directives and requirements that we would continually meet, but would deny us the pre approval until we did something else. We finally told him to stop contacting us. The pre authorizing inquiries were suppose to be soft inquiries that would not effect our credit. When I contacted Quicken Loans to have the hard inquiries removed due to being mis informed of the effect of what XXXX XXXX was doing we were denied the removal. Several times during all of our contacts I asked him why he would continue to contact us if he thought we would not get approved for a loan and he would tell us that we were so close and just need to " hang in there ''.
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. 

Account name : XXXX XXXX XXXX, Account number XXXX XXXX, Account Name : XXXXXXXX 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

Hello, Both accounts are passed the 7 year mark to be removed from my credit history. Accounts XXXX and XXXX The last payments made on these accounts were in XX/XX/XXXX. Today 's date is XX/XX/XXXX it been a full 7 years. please remove these accounts fully from my credit reports. As i have written proof from date of last payment for both of these zombie debts.Thank you
Product: Money transfer, virtual currency, or money service

Paypal sent an overdue balance to XXXX XXXX XXXX. I have not used paypal in so long that i can not even remember login information. I never received a bill or any overdue notice of any kind? I never used paypal for any purchases only to send and receive a payment to and from a co-worker last year. I had a XXXX balance and have not used paypal since? Trying to call them is impossible. now this collection agency is threating action on a debt that I have no knowledge or information on. I need to know about this purchase so I can dispute the charge and see who is fraudulently using the account. Thank-you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed my personal information, including social security number and other vital personal information, to be breached and divulged my information without my consent. This greatly impacts me, as it sets me up to be a victim of identity theft. I have worked hard to maintain good credit and Equifax, either due to negligence or direct intent, has made it possible for my credit to be ruined.
Product: Credit reporting

I have a voluntary credit freeze on my account with Equifax. I am attempting to refinance. The online temporary freeze lifting tool will not work and advises me to send a letter with payment. I sent a letter to XXXX at the address as instructed and enclosed payment. Now, 15 days later, the check has not cleared the bank, the freeze is not lifted, there is no telephone or email support available from Equifax and my banker is advising that my rate lock could expire because they are unable to run the XXXX bureau credit merge report on me.
Product: Debt collection

I 'm filing a complaint against Bay Area Credit Service, a collection agency working on behalf of XXXX. Bay Area Credit is reporting negative information about a medical ambulance bill that was paid on XX/XX/2016. I have attached a copy of my receipt that was emailed to me directly from XXXX, so I 'm a little unsure why it was sold to the collection company in the 1st place. This negative information is damaging my credit worthiness & affecting my credit score. I 'm in the process of applying for a mortgage & this negative account is standing in the way of that goal. My ask is that this information is removed from my credit files ASAP & all further collection action & negative reporting cease. I work very hard to maintain my credit worthiness & I strive to pay all my bills on time. I 'm also requesting a letter ensuring that this debt is satisfied & will not EVER appear on my credits for all XXXX bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to provisions of the Truth and Lending Act ( " TILA '' ) 15 U.S.C. 1605 and 12 C.F.R. 226.15 I hereby rescind XXXX XXXX XXXX XXXX XXXX auto loan, due to violations of TILA, including but not limited to the unlawful failure to give proper notices required under TILA, and fraud. The amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. Premiums or other charges for any guarantee insurance. 
Within 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest. Pursuant to 15 U.S.C. 1605 my right to rescind this car loan is a result of this defective Truth in Lending disclosure statement, and fraud. Please be advised that my security interest on my vehicle is now void per 15 U.S.C. 1605 and 12 C.F.R. 226.15. Return all payments I have made on this car loan and do your part to terminate the security interest on my vehicle. Thank You
Product: Money transfer, virtual currency, or money service

I wire transferred {$55000.00} from my WellsFargo savings account to an account that was not secure at XXXX XXXXXXXX XXXX. The funds were fraudulently removed after transfer. I was not advised by WellsFargo that the fund would not be secure after transfer. I lost the entire amount due to fraud. 

The details are enclosed in the document below. 

I believe it would only be a fair resolution and one that makes sense. For Wells Fargo to refund me the money I lost due to their misconduct. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Malen is pursuing me for a debt that includes illegal late fees. The fees were charged against me incorrectly, plus interest and capitalized fees. I was also required to pay a capitalized fee that was not validated with me. I was not given a description of the amount of interest, principle & penalties and fees that were included in the debt lawsuit filed against me.
Product: Checking or savings account

Between XXXX of XXXX Citibank did not notify me via text messages ( SMS ) As usual regarding important matter ( s ) such as an overdraft of a check and/or a negative checking account balance when I had wrote over 6 checks. Thus, I was charged over {$600.00} in overdraft fees. However, my online checking account showed all of this activity and the fees and payments. However, my postal and/ or mailed paper checking account ending in XXXX statements did not match. I immediately paid the charges and closed my account soon after and all this year XXXX I had received notifications about changes to my credit report. After reviewing my XXXX  credit report I noticed unusual activity by Citibank. An abnormally large amount of inquiries were on there and my account was in GOOD standing most of this year until the non notification of checking account ending in XXXX 's overdrafts and negative balance. So, I reviewed Citibank 's other checking options and decided to open a NEW checking account. I filed a complaint # XXXX on XX/XX/XXXX stating that the recently received debit card ending in XXXX did not work and to fix it and to make sure that my account OLD checking account ending in XXXX was closed and I need a statement sent via mail. I was told to request this information at a local Citibank branch and that she was closing the account now. I had already requested it closed and was surprised just as I was surprised on XX/XX/XXXX when I was told that the new checking account I had applied for online was CLOSED! I attempted to file a NEW COMPLAINT with Citibank as Citibank CLOSED my NEW Citibank checking account not ending in XXXX WITHOUT my XXXX XXXX XXXX AUTHORIZATION. I, XXXX XXXX DID NOT REQUEST to " CLOSE '' the RECENTLY OPENED Citibank checking account not ending in XXXX, that offered OVERDRAFT FEE PROTECTIONS. I did not state to " Close the account not ending in XXXX due to fees ''. Like is noted on my closure by citibank. If I can remember correctly after reviewing Citibank 's other checking options online at www.citibank.com I decided to open a more suitable checking account from Citibank using an online application approximately 2-3 days after my account ending in XXXX 's closure XXXX XX/XX/XXXX ). Citibank 's New Accounts Department should have a copy of the actual application date and and NEW checking account opening and closing date ( s ). Again, I DID NOT contact CITIBANK ON XX/XX/XXXX Stating to close the New checking account ending in XXXX or something like that. I filed a NEW COMPLAINT on XX/XX/XXXX after repeatedly calling Citibank at XXXX XXXX ) XXXX ) XXXX and being treated with extreme disrespect unprofessionalism. I continuously was refused information about the reason for the closure of the new checking account not ending in XXXX, debit card or the online application for this newly opened checking account. Again, I was told to go to a local branch for information and hung up on and lied to numerously after dialing XXXX XXXX XXXX XXXX and finally talking to " the right person '', the right department '' and/or " the Manager '' etc.
Product: Student loan

I refinanced my loans in the fall of 2023. The new loan provider sent the corresponding amount of money to XXXX at that time. 

XXXX applied that money to the wrong loan balances. In fact, one part was applied to an XXXX loan paid off years ago. The other loans with balances were not repaid, so they still have the outstanding balances despite having a {$75000.00} overpayment on another loan. 

Because of this, my autopay kept going for a couple of months. When I noticed the error, I called to fix it. They assured me a priority ticket would be filed. When I started receiving notices about not paying my loan from the DOE, I called again and emailed. They said they would get to the ticket as soon as possible. 

It's been months, and I have not received back my overpayment nor have I seen the balance be adjusted in any way. I am concerned this will affect my credit score and also it is inexcusable to have it take months to resolve an issue that never should have happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company XXXX : by Goldman Sachs, placed an unsolicited request for my credit history from XXXX Credit Reporting agency. NO.. authorization or request for credit was ever submitted by me for a personal loan. I had received an unsolicited email marketing advertisement from : '' XXXX XXXX XXXX XXXX '' and was just scrolling through the listing of companies offering loans and what their Interest and terms were. NOTHING MORE ... .just a review of their listing. Goldman Sachs placed a " Soft Inquiry " to XXXX to get my credit history. I never sought/ requested or gave authorization to any one to review my credit history. I feel Goldman Sachs was using the marketing Ploy by " XXXX XXXX XXXX '' as unlawful/ fraudulent effort to get Names and Credit History. Goldman Sachs would not withdraw or inform XXXX Co that their request for my credit history was an attempt at invading my personal privacy ' It is Just another form of " Identity Theft ''. Please look into this matter. If it happened to me, ... it probably happened to anyone who might have reviewed that XXXX XXXX Advertisement.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 my 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 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been a victim of fraud and id theft, equifax, XXXX, XXXX  all 3 agencies have allowed inquries from companies that i never allowed to use my personal information to obtain or open accounts, cars store, creadit, my name is incorrect i requested all agencies to remove all inquries everyone correct the spelling of my name and updated my correct creadit scores.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has documented Equifaxs repeated failure to properly investigate consumer disputes, even leading to legal action for violating the FCRA. This continued pattern of noncompliance is unacceptable, and I will not allow my credit report to suffer due to Equifaxs negligence. My credit report contains multiple unauthorized credit inquiries that I did not approve, and their presence is damaging my financial profile. The disputed inquiries include XXXX on XX/XX/XXXX, XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX. 

Federal law ( 15 U.S.C. 1681i ) clearly requires Equifax to conduct a thorough reinvestigation of disputed information within 30 days. If these inquiries can not be 100 % verified with proof of my authorization, they must be deleted immediately. I demand that these errors be corrected without delay, as they are actively harming my financial standing. Continued noncompliance will not be ignored.
Product: Credit reporting or other personal consumer reports

CREDIT DISPUTE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX Subject : Dispute of Inaccurate Credit Reporting Credit Acceptance Corp , Balance {$4600.00} To Whom It May Concern, We are writing to formally dispute the accuracy and validity of an account being reported by Credit Acceptance Corp , currently showing a balance of {$4600.00} and marked as 48 months late. This information is false and misleading. 

The vehicle tied to this account was totaled in XX/XX/XXXX, and the insurance company paid the majority of the balance. A disputed remainder of {$1000.00} was left over. Although a few small payments were made under pressure from a collection representative, no written agreement was ever made to repay the remaining balance in full or to accept further interest accumulation. 

The continued reporting of this account as 48 months late, with a balance nearly five times the original remainder, is not only misleading but legally questionable. We have not had possession of the vehicle since XXXX, and there is no legitimate basis for the current reporting. 

This account is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., including : 1681i right to dispute inaccurate information, 1681s-2 obligation of furnishers to report only accurate and complete data, 1681e ( b ) requirement that credit reporting agencies ensure maximum possible accuracy. 

Additionally, under Maryland law ( Md. Cts. & XXXX. XXXX. XXXX ), this debt is now beyond the 3-year statute of limitations, and is no longer legally enforceable. 

We are requesting the following : 1. A full reinvestigation of this account, 2. Immediate deletion of any inaccurate late payment notations and the reported balance, 3. Written confirmation of the outcome as required by the FCRA.
Product: Debt collection

I questioned this debt when I saw it on my credit reports. IC System sent me the attached letter saying they have n't had sufficient time to investigate. As it has been over 30 days since I questioned the credit bureaus, this is an illegal response
Product: Student loan

Fed Loan Servicing is the worst loan provider imaginable. Every year we are required to resubmit repayment plans but every attempt is cumbersome and the forms are not easy to find or are convoluted. If they don't feel like talking to you they will just hang up, leaving you feeling hopeless ; if you don't get the papers filled out in time, your whole repayment can be thrown off, not counted, cause a credit score drop, or be put into collections. 
You can wait on the phone for hours ( you can select an option to have them call you back but they never do ) and they never respond to any other form of contact. 
XXXXvoid Fed Loan Servicing at all costs! Every one of the agents are incompetent and do not deserve your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Navy Federal credit Union this correspondence ; Subject : Credit Limit Increase Your Message XX/XX/2020 : Any update? 

Please refer to ( attached letter ) Whereas XXXX XXXX stated in the letter that XXXX had provided you an updated credit report, that is ( not accurate ) I will be letting XXXX know what you stated. They did not provide you my credit report ( not accurate ) Furthermore ; you had the audacity to list my credit score at XXXX ( not accurate ) https : //www.ftc.gov/enforcement/statutes/fair-credit-reporting-act