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

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

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX5 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: Payday loan, title loan, or personal loan

I paid an extra {$250.00} payment online on XX/XX/XXXX and I figured since the account was paid up to date, the funds would be applied to principal only. The payment ended up being processed with principal AND interest. 

After noticing that is what happened, I called One Main between the dates of XX/XX/XXXX and XX/XX/XXXX to find out why it was applied that way and spoke with an agent named XXXX ( whom I can no longer trust ). After asking her why was it applied that way, she advised she didn't know. She stated in order to do principal only payments, I had to call in. Making it MORE DIFFICULT to pay the loan off earlier. This is unfair and it is also deceptive to have the option to pay online with no disclosure given prior to making the payment that we CAN NOT pay principal only. 

XXXX was of no assistance that particular day, ESPECIALLY because I asked for the amount that went to interest to be taken out of my account and applied as principal only. She took the payment ( so I thought ), asked me to hold so she can set up recording for my confirmation of the payment, came back to the phone and the payment never posted and it never came out. 

I called them back on XX/XX/XXXX because the money never came out of my account. XXXX answered the phone and I asked to speak with someone else after she was extremely rude in the way she answered my questions. Once again, using " I don't know '' as an answer for my questions. I asked to speak to someone else and she placed someone on the line to take my payment. That person took the {$250.00} principal only payment from me and it was processed correctly. 

The company 's website is misleading and deceptive and it does not help in making principal only payments. XXXX needs to be trained on how to handle calls from clients regarding the online system. She doesn't know ANYTHING about it and she is also very rude. 

I ask that she gets more training and better yet One Main Financial get a better website to use. Otherwise, it leads me to believe they are intentionally trying to make it more difficult to pay the extra money towards principal from month to month. I shouldn't have to call ANYONE. It should just be that easy. This has to be some sort of violation of UDAAP or some other regulation.
Product: Credit reporting or other personal consumer reports

LVNV FUNDING LLC reported incorrect amount. I attempted to dispute it on XXXX XXXX and I got no results.
Product: Debt collection

To Whom it may concern, I had a second property in Florida which I lost XX/XX/XXXX due to the financial crisis. Even though XXXX XXXX XXXX the original creditor provided a statement to the IRS clearly showing the balance remaining was {$140000.00} and the Fair Market Value was {$170000.00} at the time making this a phantom debt ( statement included ), also the statute of limitations in Florida is only 1 year. The Law Offices of Daniel Consuegra on behalf of their client XXXX XXXX XXXX who purchased XXXX XXXX zombie debts for {$1.00} including my own ( see my note assignment provided ) created a lawsuit mill which churned out thousands of debt collection lawsuits relying on deception and faulty legal paperwork. In my case this includes intentionally filing their lawsuit under a false address in XXXX XXXX, even though my original creditor statement from XX/XX/XXXX, my current drivers license, my credit report ALL have XXXX listed as my primary residence. Furthermore, even though I was NEVER served in this lawsuit, I did receive an unsigned court document only AFTER the default judgment was already filed as an intimidation tactic. This confirms they were aware of my address all along but willfully continued with the fraudulent filing. ( please see unsigned court documents ) Because of these deceptive and abusive legal tactics I have become a victim of unfair credit discrimination. I was offered a job, but after a background check the offer was rescinded solely because of this fraudulent judgment being listed in on my credit report. Resulting in great financial and emotional harm. 

I already filed a complaint against XXXX XXXX XXXX for their role in this scheme ( Complaint # XXXX ). 

Both companies are equally responsible for making me a victim of sewer service, and violating my credit rights. 

Since I have absolutely no connections, or contacts in XXXX and the CFPB has the authority to investigate deceptive, abusive, and unfair practices I am asking them to review my case and supporting documentation carefully. 

I appreciate agencies assistance finding a fair resolution. 

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

FCRA violations inquires not mine XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX EQUIFAX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX this Address Date of inquiry XXXX XXXX  XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX # XXXX - XXXX, NC XXXX XX/XX/XXXX XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX Dispute this Address Date of inquiry XXXX XXXX  XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX  XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX View account details Account owner XXXX Account XXXX reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX XXXX XXXX XXXX Date assigned XX/XX/XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX XXXX XXXX XXXX  XXXX XXXX XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX XXXX this Previous address XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this FCRA violations : payments never late XXXX XXXX : XXXX View account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$19000.00} XX/XX/XXXX Pays account as agreed XX/XX/XXXX
Product: Credit card or prepaid card

I opened a credit cart though XXXXXXXX XXXX in XX/XX/XXXX, card number ending in XXXX. 
I made all payments on time and did not go over the limit. 
On XX/XX/XXXX, a letter was mailed to me from " Elan '' card member services ", Authentication dept, which is the creditor and the issuer of the credit card.The letter stated that my account is closed and I have 15 days from the date of the letter to fax my ID, SS number, last 2 years of tax return and 2 months of bank statements in order to re open my account. 
When I called to inquire I was told that my identity needed to be authenticated and once the information is submitted, my card will be open again.I faxed all documents on the 15th day XXXX.I called the next day, and was told by the customer service agent that the documents were received but they chose to close my account anyway.The agent could not disclose the reason for closing my account and advised me that I will get a letter by mail explaining the reason. 
I recieved the explanation letter stating that inadequate documentation was recieved ( which is not what I was told by the agent on the phone in addition, all required documents were sent, I have copies of the fax transmission ), due to suspected fraud. 
FRAUD??? 
I own 11 income properties and used the credit card to pay for 3 new AC and for a roof at my own home.I make all payments through my XXXX account that is linked to the same online profile as the credit card. 
The account closure affects my credit report in a negative way, without a fault my own, in addition, I am now required to pay off the credit card without having the benefit of a credit line after pay off. 
I have few other credit cards form various banks, I never missed a payment on any of my loans or credit cards and I never had to experience this kind of treatment from a credit card issuer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Debt collection

They asked for a person that is not me. They have called repeatedly asking for someone that is not me. Despite me saying I am not that person and telling them to stop calling or I will file an official complaint, they continued to call. Not only have they continued to call, but their calls increased to several times a day.
Product: Debt collection

Portfolio Recovery Assoc, settled on XX/XX/XXXX for XXXX this account still shows on my credit report in collections.
Product: Mortgage

I submitted the same paperwork to Wells Fargo Home Mortgage on 3 separate occasions. 
It appears that the constant requesting of paperwork is a stall tactic by this agency to avoid helping consumers. All of these delays have an effect on consumers financial status or their abilities to carry on their daily lives, but expediency is not a quality demanded of Wells Fargo Home Mortgage. Delaying the process is also a loan shark tactic that designed to cripple the consumer financially by further damaging their credit worthiness. A policy should be in place that if a mortgage company fails to operate in a professional and expedient manner, they will not be allowed to report any information to the credit bureau. This would at least equal the playing field for the consumer. How many time do I have to submit the same paperwork before I get a solution to my problem. Wells Fargo Home Mortgage does not return phone calls to their office. Their intent is to not speak with you at all, but to continue with loan shark tactics.
Product: Credit reporting or other personal consumer reports

The consumer reporting agency EQUIFAX XXXX is in several violations of the FCRA and XXXX XXXX COMPLIANCE for not conducting a proper investigation and REMOVING INACCURATE DELINQUENT accounts on my consumer report furnished by the following companies - KIKOFF LENDING as well as an INACCURATE COLLECTION ACCOUNT FROM A DEBT BUYER I DONT OWE furnished by - XXXX XXXX - that I disputed twice with no solution. The consumer reporting agency never furnished a notice of dispute within 30 days of the disputed accounts referenced above which is a violation of FCRA 623 ( A ) that states it is a requirement for them to do so. Within the installment account referenced above from the creditor XXXX XXXX XXXX there is a furnished late transaction showing 120 days past due in the month of XX/XX/XXXX that is not verified VIA BANK STATEMENT on the closed account which is a violation of 15USC1666 ( B ) and 15USC1681a ( 2 ). If the account is 120 days past due, why does the payment history show the previous months of XXXX XXXX as paid on time? Please update any late transactions within this installment account furnished by XXXX XXXX XXXX XXXX to paid as agreed. Equifax also refuses to remove XXXX hard inquirys furnished from creditors who did not have permissible purpose to obtain a copy of my credit report from XXXX XXXX XXXX on XX/XX/XXXX and XXXX MAIN on XX/XX/XXXX. Equifax needs to remove the inaccurate data described in all of my notices included in this complaint that are displayed in from my credit report immediately or I will be in pursuit of litigation on behalf of these inaccuracies. It has been over 120 days since my first initial dispute which I've included all my notices sent to them in the attachments below! It is this agencies obligation to report accurate data on my credit report and for them to not conduct an investigation and simply ignore my notices is absolutely OBSURD considering how their actions with no integrity effect the livelihood of my family and I.
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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 


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: Checking or savings account

They close my account for no reason and I couldn't get my money back out my account they didn't wan na fix the problem at all I lose everything
Product: Checking or savings account

I called Wells Fargo on XXXX XXXX of XXXX. I asked them to close all of my accounts because they hold my larger checks for 7 full days and this is HARSH on  the cash flow of a small landscaping business. 

PROBLEM # 1 - THIS OLD DELAYED BANKING SYSTEM SUCKS. WE HAVE PUMPED BILLIONS INTO COMPUTERS. THIS DELAYED SYSTEM IS ABUSE OF SMALL BUSINESS TO THE GAIN OF ONLY BANKERS. 

When they closed my accounts, I asked them clearly to " Stop any and All Outgoing Payments. '' They clearly agreed. Then I found out that they kept paying automatic payment requests and are charging me overdraft fees as well! 

I asked them to stop ALL PAYMENTS. Do not pay any automatic drafts. Pay nothing ever again!. I told them I had a lot of things coming through that account and that it would take time to get it all corrected, and that I would do it. 

PROBLEM # 2 THEY LIE, STEAL, CHEAT, and BREED GREED. 

They also told me when I closed my accounts that I would have access to my digital records. The day I called and complained, they locked me out of my records and put me in collections. Now I have to do business taxes from a PDF! That is going to cost me a fortune in labor!!! 

PROBLEM # 3 : THEY LIE, STEAL, CHEAT, and BREED GREED. 

I attached the statements. It show some deleted charges, but when I call, they still say I owe the negative XXXX
Product: Student loan

There are unresolved errors on my credit reports as reported by MOHELA. I have only one student loan that was handled by MOHELA. MOHELAs inattention to my written requests has created a duplication on my credit reports. I have disputed said duplication with XXXX, one of the three major credit reporting agencies. I have also requested that MOHELA remove this negative reporting via a letter sent certified mail and received by Mohela on XX/XX/2020. 

I have given up on trying to convince MOHELA that they should respond to my letters so I have filed a lawsuit against MOHELA which they have yet to respond to formally. I have sent the lawsuit to their certified mailing address in my state and to their attorney XXXX XXXX. The error I am trying to have fixed still shows up on my XXXX  and on my XXXX XXXX credit reports.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against TransUnion regarding their handling of a dispute I submitted on XX/XX/2023. The dispute pertains to the removal of an incorrect address on my credit report. In my initial communication, I provided all necessary documentation, including a copy of my photo ID, social security card, and a recent bill displaying my current address, in an effort to assist TransUnion in verifying my identity and address. Regrettably, I received a response from TransUnion, dated XX/XX/2023, stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. This response raises significant concerns as it indicates a failure on TransUnion 's part to acknowledge the legitimacy of my dispute. Per the Fair Credit Reporting Act ( FCRA ), when a consumer disputes the completeness or accuracy of any information, the credit bureau is obligated to conduct a reasonable reinvestigation to determine the accuracy of the disputed items. It seems that TransUnion has not fulfilled this obligation, resulting in a violation of my consumer rights. Enclosed with this complaint is a copy of the dispute letter I sent to TransUnion, along with their response, as evidence of my attempt to rectify inaccuracies in my credit report and TransUnion 's failure to conduct a proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Vance Huffman is a debt collection company who bought debt that was opened in 2009 this account has been on my report for 10 plus years they keep renewing the debt and will not remove it how is this legal how is it okay to bully a single mother?
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Equifax shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX - XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$14000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent in multiple letters all through certified mail, I Have sent in an Identity theft report stating those accounts are not mine I asked Transunion to send my original signature that they used to verify those accounts and have refused to do so. All they have done is used automated machines to tell me they have verified accounts and send me back letters. 

I Want those accounts off IMMEDIATELY. I Fully plan to seek monetary damages for all the distress this has caused to my life.