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 : # 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 XXXXhas 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

I am writing to express my deep concern and frustration regarding the lack of progress in resolving a dispute on my credit report. Despite my efforts to address inaccuracies, particularly a reported late payment that is inconsistent with my payment history, there has been no apparent resolution. 
Account Information : XXXX XXXX XXXXXXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I want to emphasize the importance of accurate reporting and the impact it has on my overall financial well-being. The inclusion of this inaccurate late payment information is not only affecting my credit score but has also taken a toll on my mental health due to the distress caused by the seemingly unending resolution process. However, there has been no visible progress in your investigation, and the inaccurate information persists on my credit report. 
I am reaching out to seek clarification on the status of my dispute and to understand the steps being taken to address the inaccuracies in my credit report. I am a responsible consumer who values financial integrity, and it is disheartening to see that my efforts to correct these errors have not yielded any positive results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the creditor, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.
Product: Payday loan, title loan, or personal loan

Today, XX/XX/XXXX, SpeedyCash withdrew {$1800.00} without permission. It was the full balance of a payday loan that I did owe. The issue I feel is very wrong is they did not attempt to take a payment in the last 8 months. They can confirm that my account went to a 3rd party collection on XX/XX/XXXX. They can confirm that the last time they attempted to withdraw funds was XX/XX/XXXX. As I have contacted collection agencies to begin payoffs on accounts. I do not agree nor understand how they go around their 3rd party collection agency, XXXX, how they leave my account alone for 8 months, and suddenly decide to take the full balance themselves.
Product: Credit reporting or other personal consumer reports

i sent XXXX XXXX and ED FINANCIALXXXX a letter on XXXX stating they are reporting and publishing inaccurate or incomplete information ( tradeline ) in your consumer reports allegedly concerning me. Your conduct has caused me a lot of distress and financially harmed me with out-of-pocket costs and loss of opportunity. My data has been comprised in a data breach because you have shared my nonpublic personal information with third-party agencies without my consent violating 15 USC 6801 . 

Your job was to : ( XXXX ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

Since you violated 15 USC 6801 and cause my data to be compromised, I am requesting the following items to be delete from my consumer report from all three CRAs ( XXXX, XXXX, and XXXX ) within 15 days or I will turn this matter over to my attorney to sue for damages : XXXX XXXX XXXX XXXX ( {$290.00} ) XXXX XXXX XXXX XXXX XXXX {$240.00} ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company put a levy on my bank account. XXXX XXXX XXXX XXXX, I contacted them and was told to pay {$1000.00} down because I do not have the entire amount of {$2.00}, XXXX. I called almost everyday trying to get someone to set up reasonable payment arrangements with me with no success. My Uncle agreed to loan me the {$1000.00} down and he paid the {$1000.00} via phone today XX/XX/19 and I set up payment arrangements to pay {$300.00} per month to pay off the balance {$1400.00}. Then about 2-3 hrs later XXXX called me back to say were canceling your payment arrangements and moving forward with garnishing your pay check instead, after they took the {$1000.00} down payment. I tried again speaking with someone, I spoke with XXXX ( XXXX ) XXXX who I could tell by the tone of her voice was going to be of no help. She told me that I had told them that I could never or not pay {$1000.00} down and I told her yes but I have borrowed the money and it was paid. I told her the arrangements that I was told and she disagreed with me, which I know what each person told me to do because I would have never had my uncle help me and he also verified it with them over the phone before making the payment. XXXX declined to listen to all of the taped calls including the one with my Uncle. She even stated Im not going to argue with you about it and hung up on me.
Product: Payday loan, title loan, or personal loan

The call was left on my moms answering service stating my moms name telling her to have me call this phone number. My mom called me, I was on my way to work, she told me that a lady called and left a message stating that if I did n't contact them they will be issuing a warrant for my arrest upsetting her. I called the number a soon as she gave it to me so I can find out what is going on a lady answered stated that it an investigation company representing EZ Corp she stated that I took out a loan and refused to pay it back, I explained to her that I had lost my job during the time I had the loan with them. The told me that if I gave them {$190.00} right then and there they would drop the case against me, I made it to work with this person still on the phone. I asked her They could let me make the payments in installments she said no I had to pay them a {$1000.00} by XXXX. I explained to her that I had just made it to work and I did n't have that kind of money on me. I asked her she please give a week to try to come up with money she said no because they sent me out three letters. I explained to her I did n't receive any letters from EZ Corp. She told me that I closed my bank account and that was trying to avoid paying back the loan, I explained to her I did n't close my bank account the bank it closed because it was in overdraft too long because I lost my job.I asked her why do I have to pay so much money back when the was like {$500.00} she said because of the interest, I said ok can you please me give a week to try and come up with the money she said I had to pay the money right now this same day XXXX talked with her about this matter. I had to leave my job ten minutes later after arriving, because she had me so upset threating me with the police. She stated that I will be picked up at my home and that larceny by check charges will be filed against me. I begged and pleaded with this person to work with me since this was our first point of contact since pay loan was taken out. I asked her if she can get the company to work with so I can pay them back, she threatening me about the police coming to my house arresting me. She told me that the corporation did n't want to work with me they really want to lock me up. She will give no info on loan other than it defaulted at my bank. I asked her where should I send the money if I 'm able to borrow it, she stated she did n't have that information to call her back when I get the money. no later than XXXX or they filing a warrant.
Product: Mortgage

On or about XX/XX/XXXX I opened a Home Equity Line of Credit with Wachovia Bank which was subsequently taken over by Wells Fargo Bank. The HELOC was originally for {$250000.00} and later reduced to about {$180000.00} when I refinanced my original first mortgage.
The Line of Credit was an interest only loan and every month without fail I paid the interest that I was billed for. To my knowledge I WAS NEVER LATE ON A PAYMENT and was never charged a late fee. The monthly bills indicated that the balance shown was the entire balance including any unpaid interest ( which I assumed was only for the previous month. ) Please see the highlighted section of the attached typical bill. Please note the beginning and ending balances appear but NO ITEMIZED EXPLANATION as to how those figures are derived. lt was always my assumption therefore that when I paid the amount due on time I would billed for the same amount of interest the following month provided the rate did not change in which case the amount was either lower or higher.
I recently sold the home used for collateral and therefore asked for a " payoff '' amount. I was given the amount and now verbally told that it included " unpaid interest of {$2100.00}. '' I immediately asked for a detailed explanation since I was totally shocked at this revelation. The written answer I received, ( attached ) is totally unintelligible. The banker at the local bank where the loan originated could not explain the letter to me. Basically it merely is an accounting of how unpaid interest accrues but since I paid the total interest owed each month it makes no sense to me. It appears that the bank sometimes applied my payments to interest and sometimes THEY DID NOT, creating unpaid interest carrying over to the following month. The following month 's payment made on time and for the full amount billed was perhaps partially applied to interest but sometimes not at all creating even additional unpaid interest fees. AGAIN THERE WAS NEVER A DETAILED EXPLANATION PROVIDED. As an example please refer to the attached list of payments for XX/XX/XXXX It shows a Finance Charge of {$550.00}, a regular payment of {$800.00} and {$0.00} paid to interest. Further, refer to XX/XX/XXXX and XX/XX/XXXX Although I made regular payments they show none applied to interest My issue, REGARDLESS OF HOW THE BANK CALCULATES THE INTEREST, is that while allegedly unpaid interest was accruing I WAS NEVER INFORMED AND NEVER GIVEN AN OPPORTUNITY TO PAY. In my opinion this is an intentional hidden way for the bank to increase revenue without fully and honestly informing its customer. It is outrageous that a, till now, reputable bank can run up fees for a customer without his knowledge and get away with it. This has to be illegal! It appears to me that the millions of dollars in fines they have been assessed has merely served as a licensing fee to continue stealing from their customers.
Product: Mortgage

I obtained a Wells Fargo mortgage and closed on the loan XX/XX/XXXX. Part of the agreement was that I borrow enough money to pay off Wells Fargo installment loan that I had. Wells Fargo had the title company send the check to another division of their bank rather than pay it off directly. After 16 days and multiple calls this was still outstanding so I had the title company stop payment of the check and wire the money on XX/XX/XXXX. Apparently Wells Fargo must have located the check after the 16 days and applied it but then withdrew it due to the stop payment. They apparently have lost the wired amount and it has been 13 days since the title company wired it. Information was verified that the wire went to the right place. I started a request to track this wire on XX/XX/XXXX. At this time I am being charged interest for this installment loan both on the actual installment loan and also on my mortgage and Wells Fargo owns both these accounts so they are receiving double interest. I have made numerous calls to them and I am not getting anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously filed several complaints about ALLY FINANCIAL. ALLY Financial complaint # XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. ALL OF MY COMPLAINTS have been CLOSED and nothing has been resolved! 

I never made any late payments, ALLY FINANCIAL has not provided me proof that the payments they show as late ever happened, and yet continues reporting a late payment history on my account. I need your assistance correcting this error. NO LATE PAYMENTS WERE MADE! ALLY MUST fix this error immediately as they are causing my score to be low and my extensions of credits are being offered at high rates.
Product: Debt collection

Ongoing since 2016 numerous collection agencies due to the hospital not providing the proper billing information to the physicians. I am a service connected veteran And have medicaire thru my social security XXXX my medical bills should be billed to the XXXX Va XXXX and then to XXXX and they will all be paid, however instead of doing that they send it to collection agencies who are rude and harass me and leave fraudulent charges on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

The Following information is being reported Inaccurately and I am requesting that all items listed below be DELETED Immediately since I have been requesting them to be removed for more than twelve months. 
TRANSUNION - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX TRANSUNION - XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TRANSUNION - XXXX XXXX XXXX TRANSUNION - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX  XXXX XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX ( XXXX XXXX : XXXX XXXX  ) - XXXX ACCOUNT : XXXX ( Original Creditor : XXXX XXXX  ) - XXXX ACCOUNT : XXXX ( Original Creditor : XXXX XXXX XXXX  ) - XXXX ACCOUNT : XXXX XXXX XXXX - XXXXXXXX XXXX - Account number XXXX XXXX Reported : XXXX. XXXX, XXXX - Closed - Balance - {$0.00} _______________________________________________________ INQURIES 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 XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b CODES FOR INQURIES - 15 USC 1681i 15 USC 1681b - CODES FOR CHARGE OFFS 15 USC 1681IS-2 CODES FOR COLLECTIONS 15 USC 1692g CODES STUDENT LOANS 15 USC 1681 C-2 LATE PAYMENT CODE 15 USC 1681 BA2 LATE PAYMENT CODE 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681 FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block
Product: Credit reporting, credit repair services, or other personal consumer reports

They said they took it off but didn't. The picture that was uploaded are from site that have my name and information but my sister XXXX XXXX or XXXX XXXX XXXX picture. On her information my XXXX is listed which I have no access to. I only go by one last name since 2015 and that my married name XXXX. XXXX is my madam name and I don't use that at all. My ID and social security card that had XXXX on it was stolen
Product: Debt collection

AWA COLLECTIONS representing XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit. The account number is XXXX and the Amount is {$1600.00}.
Product: Debt collection

XX/XX/2021 XX/XX/2021 XX/XX/2021 i called them was put on hold, then disconnected. I called again and this time it was a auto answer with no way to contact a real person. It only asked for an extension number be entered, and i was disconnected. 
XX/XX/2021 i called their number and again i got a auto answer machine asking for extension number, and im disconnected. 
XX/XX/2021 i received a call from a Unknown number, went straight to voice mail. This time its a XXXX XXXX XXXX from the state of Oregon. This is all feeling very shady
Product: Debt collection

In XXXX, I received a call from an unknown collection agency stating they were a collector for AAFES/XXXX XXXX. I was unclear who they were as I never received a correspondence from them nor AAFES about any debt. The representative on the phone had a very intimidating and condescending tone and threatened to garnish my wages if I did not make a payment that moment - insisting they have permission to collect payments even if it was an over payment. It was my responsibility to call them for a refund. 

My next pay check amount was nearly 100 % garnished. I had still never received any written correspondence from either the collection company or AAFES. I also did not receive a pay amount or any correspondence sent to my home. 

Letters were sent to my chain of command multiple times - that I did not even receive until after the payments were garnished from my paycheck. This means my whole entire command knew of a debt before I knew and BEFORE I could even verify it was valid. I was verbally accused I was not managing my finances from my superior after the letter was handed to me. 

Even while the payments were being garnished, I received a minimum of 10 calls per day until I was afraid to answer calls from an unknown number. I was also afraid to make any necessary purchases - not knowing how much money would be in my paycheck even if the alleged debt was paid. As it was stated before, it was my responsibility to wait for the collector to call me back and request a refund, then wait for a check to be sent to me. 

Additionally, my recent knowledge AAFES ' class action lawsuit in XXXX, gave me the courage to speak up about the injustice I faced as a military service member. I believe I was subjected to illegal collection practices from AAFES 's use of administrative offset - a procedure whereby federal payments, such as social security, veterans ' benefits, and tax refunds are withheld to collect debt.
Product: Credit reporting

I have written the Credit Agency multiple times over the past several months and have received responses that they have completed investigation without proving how they concluded the investigation. I have repeated requests and to no avail. I have contacted the creditors and credit bureaus and therefore need help validating these items. 1. Bankruptcy 2. XXXX, 2. XXXX 3. XXXX. Please help and advise. All of these agencies have not been helpful either by phone or mail. I need these items resolved and removed.
Product: Debt collection

On XXXX XXXX, I disputed this alleged debt with Skopos Finance and they never responded to my dispute in reference to the alleged debt. I have been disputing this account for months and never received a response. {$22000.00}. XXXX paid this car off in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX I am in the process of purchasing a home unable to do so Because a company call kikoff have to accounts opened in my name and information I. Have file a police report XXXX report numbers XXXX that I have nerve open or known of. I'm requesting assistance with this matter. I'm also bringing this to your attention so nothing else from this company will be on my record. Please contact me at XXXX thank you in advance