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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX  XXXX XXXX, has violated my rights. 

XXXX  XXXX XXXX stole my identity and sold/shared without my consent to Chex Systems , Inc . This is a crime and I deserve protection. Identity theft is a crime punishable by federal laws. 

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 se

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

Re : CFPB Nos. XXXX and XXXX XXXX XXXX Account Nos. ending XXXX and XXXX For account number ending in XXXX, the account was paid on XX/XX/XXXX and then again on XX/XX/XXXX, this is supported by my bank. XXXX shows no evidence of their claim of receiving it on XX/XX/XXXX and XX/XX/2017. No late fees were assessed and paid! XXXX XXXX response is an elaborate conjecture to include dates of notices sent to my official residence. I would expect notices of such importance to be sent via certified mail and therefore require a signature when received. To date, I have only received one letter to my home from XXXX. I hereby request all evidence of XXXX XXXX claims of dates of payments on this account. If XXXX is unable to do so, they must adjusted my account to show no late payments, and reported accordingly to the credit bureaus
Product: Payday loan, title loan, or personal loan

Kikoff provides you with a {$12.00} virtual loan to assist with building your credit. They do not give you the {$12.00}, instead they put it in a wallet that is accessible on their website and allow you to make {$1.00} payments via their website for 12 months until the " loan '' is paid off.

Recently, due to Kikoff and other lenders that were processing erroneous accounts, most of the credit bureaus created a threshold at which they would report these types of loans. I did not have the option at anytime to close the account or payoff the loan, I could only pay {$1.00} per month. To my knowledge, this was happening automatically.

During the beginning part of 2021 I had lost my job and kikoff was the last thing on my mind. I had not received any letters in the mail indicating I had an outstanding debt. I also did not receive any emails from kikoff nor any mail correspondence or phone calls from Kikoff advising of an outstanding debt. 

On XX/XX/2021 I received an email that stating that my account was going to be closed for non payment and that they would report my account 90 days late in addition. I was unsure how the account would be late considering the funds needed to pay the " loan '' were in their possession the entire time. I never had the funds. They were simply given to me by them, held by them, and then paid back to them. There was never a transfer of funds from an external source. Additionally, I had not gotten ANY emails from them prior to XX/XX/2021. 

I have attached my account information with Kikoff which shows that my email address is not verified. If they allege they were emailing me all this time, how were they confirming I was getting them as my email was not verified? Therefore they never got any confirmation at sign up that my email was working properly.

Additionally, how was the ONLY email I did get one advising me that my account was closed? You will also note in my email that there is a payment receipt. The other account I had with Kikoff I went ahead and paid in full as that account did require an exchange of external funds from an outside source. 

I am curious how this is legal that a company can " lend '' someone money that is always in their possession and use the SAME funds that were " lent '' to pay back the 0 % interest loan. 

A secured loan is when the lender provides the consumer with a loan of say {$500.00} and holds the {$500.00} in their possession and once the consumer pays them {$500.00} with external funds, the bank then refunds the consumer the {$500.00} and closes the loan. In kikoffs case, the loan funds and the repayment funds are the exact same. I got a loan for {$12.00} and used that same {$12.00} to payoff the loan so if I paid {$1.00} the loan would decrease by {$1.00}. 

They sent me an account statement via email on XX/XX/2021 when I tried to rectify the matter. This statement was never provided to me prior via mail nor email.
Product: Checking or savings account

On  XXXX / XXXX /  XXXX   (  XXXX  ) a bill was charged to my debit card which over drafted my account. It was the only charge that was made that over drafted my account but they still charged me over draft fee 's for every purchase I made for the entire week prior which totaled to well over {$200.00}. Then the next day my paycheck got deposited but I had no money for food or gas to get to work because the bank stole all of my funds and called it 'fees ' so I had to withdraw some money just to get by which of course because of them it over drafted again so they charged me another {$78.00} in fee 's. There is no reason for them to charge me fees for multiple purchases that I had funds for just because I over  drafted one s ingle charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX, 2019, I sent a certified letter to IC System requesting the debt being reported to the credit bureaus be validated. 

I specifically requested an itemized statement of the debt owed and other documentation to substantiate the debt. In fact, the collection account date now indicates XX/XX/2019. 

My request has not been granted ; therefore, in compliance with the Fair Credit Reporting Act, I request the error be removed from reporting to XX/XX/XXXX,XX/XX/XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have Rights under 15USC 1681.

Equifax is govern by 15 USC 1681 and they violated my rights numerous of times .I DEMAND THE ACCOUNTS listed below be removed because According to 15 USC 1681 : I have the right to privacy and I DIDNOT GIVE Equifax written permission to furnish these accounts. 

XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

This is about the Consumer Credit Transaction with your financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) The term document means any information in any form. 

I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. 

The provisions of 15 USC 6801 ( a ) state It is the policy of theCongressthat eachfinancial institutionhas an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 

Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 

15 USC 6802 ( B ) clearing states that A financial institutionmay not disclosenonpublic personal informationto anonaffiliated third party.

15 USC 6802 ( B ) 1b theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option. 

In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). 

With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. 

I hereby request you remove the below-mentioned information from my Consumer Report : XXXX XXXX If you accept my request, I will not escalate this matter to a Federal complaint. 


Thank you for your attention to this matter Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted Equifax and XXXX  and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

NOTICE TO CEASE AND DESIST XXXX  XXXX, XXXX, XXXX DEPARTMENT OF EDUCATION AND XXXX XXXX Shall remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. I believe XXXX, US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX Understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to XXXX XXXX, XXXX, XXXX DEPARTMENT OF EDUCATION AND XXXX XXXX XXXX You have 4 business days after receipt of this Notice to block all of the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The advertisement for sale of anydebtto coerce payment of thedebt by sending the letter dated 09/21/2022 ( see exhibit A ) and you a also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I herby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair crediting reporting act the following the following accounts are in violation of my rights according to 15 USC 1681 section 602 ( a ) section 2 & 604 ( a ) section 2 XXXX XXXX XXXX  account # XXXX ** XXXX XXXX account  # XXXX XXXX XXXX account  # XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received a credit alert stating that my XXXX mortgage payment was past due 90 days. I reached out to XXXX and TransUnion explaining that there is no way the payment could be 90 days past due for XXXX, because the month of XXXX was just starting it was XX/XX/XXXX. 
I filed my dispute online with XXXX. They sent me a copy of their investigation report showing that the mortgage payment was indeed paid on time for the month of XXXX but also stated in the same report that after investigating they found results to be accurate. I am not sure how an XXXX payment paid in XXXX reporting 90 days past due is accurate. The investigation report shows me making both XXXX and XXXX payments on XX/XX/year> in the amount of {$2300.00}. My payment history shows that I pay my mortgage at the end of every month. I tried to submit proof document from my payment portal to XXXX and was not allowed to do so. I received a message stating I had already disputed. I tried to upload documents to Transunion and received the same error message. I contacted both Transunion and XXXX with no resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I submitted a dispute to Equifax disputing an incorrect bankruptcy they continue to report. I have disputed this inaccurate account with them several times. Consequently, I had to dispute with the furnisher of this inaccurate information XXXX XXXX XXXX. XXXX ultimately removed the inaccurate account from my report. I provided proof of this fact in my recent dispute with Equifax and they still refused to delete the account. They even state in the verification they just sent me as being verified with XXXX. The 30 day clock on which they have to delete this invalid bankruptcy and all accounts associated with it, ends on XX/XX/2021. They have essentially wasted almost half a month, by responding that this account is verified when it clearly has been removed. This can even be found in the last CFPB response from XXXX, stating the bankruptcy has been deleted/removed from my report. At this point in time Equifax clearly disregarding all rule of law, and they are also ignoring the information from the furnisher of the information they are reporting. I will file a suit against Equifax for damages if they do not resolve this issue by XX/XX/XXXX. I will not accept them restarting the clock when they are in clear violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX XXXX XXXX in XXXX, MI reported to XXXX that I was deceased instead of my Mother, XXXX XXXX ; the former joint lendee who passed on XXXX. Due to the XXXX  XXXX of XXXX holiday, I notified XXXX XXXX XXXX on XXXX or XXXX and have provided her death certificate ( please see Exhibit A in the attachments ) multiple times from 2016 to most recently on XXXX. 

Now, Mr. XXXX XXXX, Acct Mgr in the Loan Dept says I need to provide a NOTARIZED copy of the previously submitted documentation. Please note this has been submitted previously several times to XXXX XXXX XXXX, the NCUA, the Consumer Finance Protection, XXXX, XXXX, TransUnion, XXXX and the MI Attorney General 's Office.
Product: Student loan

I started college in XXXX and did not finish. I was making payments to XXXX before they were transferred to Mohela without my knowledge or consent. Then Covid happened and all payments were paused and I started going back to school so now they are deferred. I am looking to restart payments as I graduate soon and noticed all of my payment history to XXXX is gone. I called Mohela and they cant find them, and I cant login to XXXX anymore to get the payment copies. It is important my payments are recoded because they count towards forgiveness and Mohela has been less than helpful. They have said I can not pay the loans I want- they choose, I can not refinance, consolidate, transfer them to another servicer and they are basically unwilling to do anything to resolve the issue and prove I owe the balances I have on my account and show I have made payments towards them.
Product: Credit reporting or other personal consumer reports

I check my account and my credit report show I was late and I was never late this 2 month. I never miss a payment on my account.
Product: Debt collection

I am a volunteer at a XXXX XXXX XXXX XXXX XXXX, and the address is a XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX, someone delivered paperwork visible to public, no envelope and the employees saw all my personal information including social security, address and financial issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I noticed several inaccurate and fraudulent address, accounts and inquiry 's on my credit report. I believe I am a victim of identity theft due to several security data breaches I have been involved in with companies such as XXXX XXXX and XXXX XXXX. I am requesting that these accounts are removed from my credit report immediately as this is severely impacting my life.
Product: Checking or savings account

I closed a non-penalty CD account with Citibank in XX/XX/year> but have yet to receive the closeout check ( $ XXXXthe interest ), despite more than a year passing. Unfortunately, due to the absence of a nearby bank branch, my only recourse has been to contact their customer service repeatedly. Despite my numerous calls to inquire about the status of the check, each time I was simply asked to confirm my mailing address, with promises that a new check will be sent. Regrettably, none have arrived. When I inquired about the tracking information for the previous checks, I was informed that only the initial one had been shipped. This leads me to believe that subsequent promises to send new checks were not fulfilled. It appears that my requests were disregarded, and assurances to send replacement checks were not followed through.
Product: Mortgage

I purchased a home using Zillow Home Loans in XXXX. I received a notification in the mail that my mortgage was transferred to XXXX XXXX  effective date XX/XX/XXXX ; however, I still got a bill from Zillow Home Loans at the same time as I got a bill from XXXX. 

I called Zillow and they insisted they have no record of the my loan being transferred and i should continue to pay them. Which I did. 

On XX/XX/XXXX I received an urgent call from XXXX telling me that they are starting the collections process for not paying them the payment. 

Based on the aforementioned letter I received, and after doing some research and confirming XXXX XXXX is a legitimate mortgage lender I made my payment to them stopping my payment to Zillow. I contacted Zillow and after speaking to multiple reps who were not equipped to say anything except reading from their computer screen " no sir, your loan is with us '' I was finally escalated to a manager on or about XX/XX/XXXX who confirmed that the system may not have been updated to reflect the transfer and entered an research request. I was supposed to be contacted with a resolution on XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, I received a collection call from Zillow. It took another 30 min on the phone for the person calling to realize that there's a case open so maybe they shouldn't be trying to collect. 

By the way the service provided by the reps is definitely sub par because every time I explain to them what is going on, they ask me " So what is your reason for not paying? '' Right after I spent 15 min explaining that my loan was transferred and I'm paying the new company and that I will not be paying my mortgage to two different companies. Zero listening skills. 

I contacted Zillow again on XX/XX/XXXX thinking I would give them a little extra time to research the issue. They got me to a manager who confirmed that the case is still open though that should not have been the case as it was supposed to be complete on XX/XX/XXXX. The manager I spoke to on that day was helpful in spite of her trying to talk over me for most of the conversation and entered another research request which is still not resolved at this time.