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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' DIGITAL FEDERAL CREDIT UNION is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' DIGITAL FEDERAL CREDIT UNION is is a financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, DIGITAL FEDERAL CREDIT UNION whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' DIGITAL FEDERAL CREDIT UNION is never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

Removal of Incorrect Items from Credit Report ( More than 30 days have passed ) On XX/XX/24, I sent you a request to reinvestigate incorrect items which were listed in my credit history report. 

1.Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 61XXXX REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately Please investigate and delete from my credit report. 
Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX )
Product: Money transfer, virtual currency, or money service

So it was on XX/XX/year>, where money from my account was sent to a unknown number for XXXX dollars, my phone was in my pocket opened up onXX/XX/XXXX XXXX and idk how the money got transferred it couldve been because it was in my pocket but either way I tried getting my money back because it was an unknown number but XX/XX/XXXXXXXX XXXX told me all deals were final. And that there was no way of me getting my money back and I was astonished because Im not sure how they would js let a fraud or a scam happen.
Product: Student loan

I have a student loan from the Alaska Commission on Post Secondary Education that is currently in forbearance. Apparently, they sent me a letter that was returned to them XXXX probably delivered to the wrong house ) and instead of calling me, emailing me, or attempting to contact me, they began harassing my extended family members and all educational institutions where I have previously been enrolled. At the same time, they have not once tried to contact me-and I 've verified that all of my contact info on file is correct. I did not receive a single phone call or email from them until yesterday XXXX XXXX XXXX ) which is the same day that my family members received their letters from XXXX. More importantly, my loan still in forbearance, meaning that there is no payment due. My next payment is not due until XXXX. I would like to file a complaint because I feel like their harassment of my family-including my XXXX year old grandparents-is a violation of my consumer rights.
Product: Vehicle loan or lease

Payment arrangements were made and agreed to. This company received the payment the same day before the deadline ( as agreed on a recorded line ) but had already taken the car ( with the repo rescinded ). I go out to drive to the office because my calls are being ignored and the car is gone. Two payments went through that day. A payment was returned, the car was kept and later it is appeaes on my credit shortly after I apply for services online. It keeps resurfacing creating a derogatory credit report and should be removed.
Product: Credit card

I applied for an AMEX XXXX loan after receiving a preauthorization notification in the amount of {$5300.00}. 

I electronically signed the documents within the specified time frame, called their call center to confirm. I was told It would disburse within 72 hours. Now it 's showing cancelled, that I did n't sign the documents and that I need to apply again ( causing another inquiry on my credit report. ) Unacceptable and deceptive.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was horrified to see accounts on there that dont belong to me. I cant figure out why this has happened, especially since Ive always kept a close eye on my credit report. I tried refreshing my browser, hoping it was just a glitch, but the discrepancies stayed. I am pleading for a thorough review of the documents Ive sent so I can stop feeling so helpless and uncertain.
Product: Consumer Loan

Hello, I purchased a vehicle in 2014, which I was over charged for the actual worth of the vehicle. As a result the trade in value is double what it should be and I am in the whole about XXXX. The warranty I purchased says tat i purchased the vehicle for XXXX, but I actually traded in my deceased dads car, and also put down XXXX in cash. I would like a refund in the amount of XXXX. There is also a lot of minor problems I have experienced that were not disclosed to be at the time of purchase like the sway bar being lose, and the fuel sensor being bad. Something is wrong with the contract which has basically charged me more for the SUV than it is worth. This complaint also involves the dealership located off or XXXX XXXX at the XXXX Dealer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was under covid forbearance with XXXXXXXX XXXX prior to my loan modification being executed on XX/XX/XXXX. My forbearance had ended in XX/XX/XXXX and I missed the XXXX payment. However, I eventually made the payment for XXXX, XXXX, XXXX, and XXXX until the loan modification was signed. XXXX reported my mortgage as delinquent for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX even though I made payment for 3 of those 4 months. Now my credit report shows I was 120 days delinquent on my mortgage and I am getting denied loans and credit lines because of this delinquent record. XXXXXXXX XXXX actions were abusive and unfair and I want them to remove these delinquencies from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me our a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX {$780.00} XXXX XXXX XXXX {$230.00}
Product: Debt collection

Map PersolveLLC dba Account Recovery Services LLC Website Directions Contact us XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Closes XXXX XXXX XXXX XXXX PERSOLVE LLC dba Account Recovery Services alleges that I owe XXXX XXXXXXXX and more from a debt to the now defunct credit card XXXX XXXX ( I had never even heard of the now " dead '' and bankrupt XXXX XXXX XXXX XXXX. PERSOLVE bought their debts in XXXX ( 7 years after that credit card co was dissolved by bankruptcy, and then sued me with a Complaint for Money Damages in XX/XX/XXXX. ( The court case is XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, caption entitled PERSOLVE v. Karin Piet, for your information, and the file shows a great disregard for ethical litigation practices, I was NEVER served with a Summons and Complaint, and so did not know of the lawsuit until my XXXX XXXX XXXX XXXX  was levied and closed ( around the year XXXX ). In XX/XX/XXXX ( the same month that my husband died ), I was notified of a second garnishment. At this time, I had just received XXXX XXXX XXXX XXXX  from XXXX, which I can prove. On XXXX ( 14 days after my husband XXXX XXXXXXXX XXXX death, they then STOLE by garnishment nearly XXXX XXXX. They also effectively stole my one-time Social Security Survivor award of {$250.00} ( which, Social Security informed me, was taken by PERSOLVE to offset a existing balance. Needless to say, I am filing a Notice to Vacate Judgment, and secondly, a Cross-Complaint for Monetary Damages, Fraud, Unclean Hands, Trickery, Identity Theft, and Intentional Infliction of Emotional Distress. 

Also, when my Notice to Vacate Judgment in this matter was filed ( effectively ) with XXXX, my friend XXXX took it out for personal service at their address at XXXX XXXX XXXX in XXXX ; they were located in a complete " stealth '' building ( 3 floors, key-card access only, no windows ). However, we waited at the door until XXXX XXXX, lunch time, at which some other workers left the building, We effectively served them and they hated it! XXXX XXXX, CFO, Manager, and Agent for Service, was " hiding in a meeting in the other room '' As far as my Cross-Complaint goes, I am going to ask the XXXX  Sheriff 's Dept. to do the personal service, Also, Case No. XXXX is on the calendar at XXXX XXXX. on XX/XX/XXXX, XXXX. XXXX, XXXX XXXX XXXX presiding. 

Please feel free to contact me or my attorney XXXX XXXX for any reason.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulations E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The vehicle was traded in XXXX and a payoff amount was sent to Santandar in the amount of {$14000.00} on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX. The pay off amount was incorrect and I was not notified until it was reported as 30 days late. The dealership was notified and sent in the remaining balance of {$39.00} on XX/XX/XXXX. I was not notified this occured until it was reported 30 days late to my credit on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous inquiries on my credit reports from capital one, cap one, XXXX XXXX XXXX XXXX.

I contacted them and asked them to correct the illegal inquiries that are on my credit reports and they said these inquiries are valid. 

I disputed these inquires in XXXX, XXXX and XXXX through XXXX, XXXX and XXXX and they have not been investigated, verified, updated or removed. 

What normal human being in their right mind would apply for credit card or a loan through capital one on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX? 

Can you please contact Capital One, XXXX, XXXX and XXXX  and have them delete these inaccurate, illegal inquiries of my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB, The address that is currently displaying on ALL of my credit reports is WRONG, incorrect and is a potential serious identity fraud risk! 

I'm hoping you can help me with fixing the address that is showing on all of my credit reports. 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX I have lived at this address for over 2 Years, so I don't understand why the information is displaying incorrectly on my credit report. 

I want to assert my legal right for 100 % of the information on my credit report to be fully accurate. I don't know the law or FCRA statute that protects this legal right, But I know it exists. 

I am quite concerned to get this fixed ASAP. 

I have sent multiple letters to the Credit Bureaus requesting they correct my address. 

To date, they have NOT corrected the problem. 

I request that ALL Credit Reporting Agencies, ( including what many people call the sub-bureaus or data furnishers ) to immediately correct my address ... OR ... if they are not able to display my current address correctly due to a limitation of their technology systems... 

... Immediately remove ALL addresses that do not EXACTLY MATCH this one. 

I would rather have NO address listed at ALL on my credit report, than to have the wrong address listed! 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX There is a similar address in the neighborhood that is NOT CORRECT aka XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX NOT CORRECT. 

I will attach a PDF which includes documents which clearly show my current and correct address : My State Drivers License, Apartment Rental Agreement/ Lease XXXX Bank Statements Voter Status Car Insurance I have experienced that computers often auto-populate MY address incorrectly, miss entering the address, aka not including the " XXXX '' in the number, OR the city of XXXX XXXX XXXX My apartment is in XXXX XXXX. 

Please understand that my correct address MUST include " XXXX '' and XXXX XXXX, as listed on my identification documents, otherwise other people receive my personal mail. This could lead to other people stealing my identity. 

Please also remove ANY and ALL Phone Numbers listed on my credit report. 

Please correct these issues Immediately. 

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

In accordance with the fair act XXXX  Account # XXXX has violated my rights 15.USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not forward an account without my written instruction 15USC. 1666B A creditor may not treat a payment on a credit card account under a open end consumer credit payment as a late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX XXXXXXXX Balance : {$330.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXX 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 me 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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

Due to COVID-19 and despite being laid off I have been doing my best to pay off bills that were on my credit report. I worked with the actual creditors regarding pay off and then sent the letters indicating the accounts have been paid off and the balance is XXXX as apart of a settlement. I have sent the information to XXXX, Experian, and XXXX however the information still remains that I have balances on the paid off accounts. 

XXXX ( these accts are all paid off ) : XXXX XXXX  ( # XXXX & XXXX ), XXXX XXXX ( XXXX, & XXXX ) XXXX ( # XXXX ), XXXX for {$150.00} ( I am unfamiliar with this account and asked for reinvestigation but no response ). XXXX XXXX on ( XXXX paid off medical acct that should have been deleted after 180 according to law ). XXXX : ( XXXX-The statute of limitations applicable to actions for back rent under residential leases is three years pursuant to Maryland Code. This is to be deleted from my credit ). 

XXXX : XXXX XXXX ( paid off with XXXX balance # XXXX ), XXXX : ( XXXX-The statute of limitations applicable to actions for back rent under residential leases is three years pursuant to Maryland Code.  This is to be deleted from my credit ). XXXX XXXX XXXX ( XXXX paid off XXXX insurance for {$120.00} ). 

Experian ( These accts are all paid off with a XXXX balance however still showing I owe monies : XXXX XXXX ( XXXX, XXXX, & XXXX ), XXXX XXXX Credit Card ( # XXXX & XXXX ), XXXX : ( XXXXThe statute of limitations applicable to actions for back rent under residential leases is three years pursuant to Maryland Code. This is to be deleted from my credit ).
Product: Checking or savings account

XX/XX/XXXX my cards were accessed and used to make false charges. At the same time someone sent themselves XXXX checks for XXXX XXXX  each, {$5000.00} total. 

I regained access to my account on XX/XX/XXXX and contacted Usaa. I was told my account would be reimbursed and to call back in a few days. It took XXXX weeks, in part because my file was never updated. 

During that time I was contacted by a data recovery scammer claiming even more of my data had been exposed. Over the course of several days he gained my trust and convinced me to authorize a transfer of {$9000.00} on a XXXX call with him and a USAA rep XXXX who I asked repeatedly whether this seemed legit and ignored me. 

After sending the {$9000.00} I decided I had been scammed and put a stop on the transfer. The same day, XX/XX/27, USAA contacted me and said they were electing to sever their relationship with me as a customer. All my credit cards, all my savings accounts, and all my checking accounts. Now my funds are in limbo for XXXX months while I wait for them to finally close my accounts and transfer my funds. 

I had been a loyal USAA member for XXXX years and previously would have recommended them to anyone eligible. Now I just want them to send me my money so I can never interact with them again.