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

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states, " 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. '' Equifax, 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. '' XXXX XXXX  is a financial institution by definition under that title. 15 USC 1681 section 604a 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. '' Equifax, XXXX, and XXXX the financial institution and the Consumer reporting agencies Equifax, XXXX, and XXXX do not have my consent to furnish this information, and I never gave my written consent. Any and all consent to Equifax, XXXX, XXXX, and XXXX XXXX, whether 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. '' XXXX XXXX  never informed me of my right to exercise my nondisclosure option. Also, 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 seven 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. Equifax, 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 without my express permission.
Product: Credit card

After examining my credit report, I've discovered several unauthorized account that have adversely affected my credit standing. I am deeply dismayed by your assumption regarding whether I've been a victim or not. Your authority or legal standing to make such claims is nonexistent. I firmly assert that this account is a consequence of identity theft and demand swift attention and resolution. 


I wish to clarify that I have neither initiated nor authorized the account listed on my credit report. This account has been opened fraudulently, without my knowledge or consent. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, including filing reports. I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. 

I kindly request that you conduct a thorough investigation into the validity of these accounts and take appropriate actions to remove them from my credit report, as they are not the result of any legitimate transaction or credit application made by me. 

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

I have made numerous of attempts over the phone, by letter and online to resolve my issue with the violation of my privacy as well as the furnishing of incorrect information on my account. However, the credit reporting agency has become bullies and are doing what they want to degrade the consumers image. My financial privacy is very important to me and posting false information against my consumer character is not acceptable. Please see the attached and resolve as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is inaccurately reporting on my credit report 30 day late in XXXX and then a 60 day late in XXXX and a 30 day late again. When this car was stolen and it was paid out by the insurance in XXXX of XXXX. I was then informed in XXXX of XXXX  that there was an outstanding balance due to fees and charges that I needed to make payments on which I did. Now they are telling me that those were back payments and that they have reported them as late on my credit when the Cares Act I thought prohibited them from doing so but also they never notified me of this.. The loan is paid off and has been for quite some time and they never even notified me that I was late because of their junk fees and charges when I was told by my insurance company that they paid off the loan.
Product: Consumer Loan

My father passed away XXXX XXXX, 2015 with no assests. He had a lease with Southeast Toyota Finance at the time of his death in his name alone. At toyota 's instruction, the car was returned to a XXXX dealer on XXXX XXXX, 2015. A copy of the death certificate and explanation of the situation was provided. Since that time, Toyota and XXXX XXXX collection services have been contacting my mother and members or our family trying to collect a balance on the lease. We have instructed them by phone and mail to stop contacting us, yet they persist.
Product: Mortgage

Ditech Financial LLC F/K/A XXXX XXXX XXXX XXXX XXXXooking to start foreclosure action against me when they inaccurately changed my mortgage payment and interest rate. Payments they were requesting for months that payments were already made to them. Also, I was n't sure who to legally make payments to because my loan was refinance with XXXX XXXX XXXX. 
This loan was reassigned so many times with different lenders. 
Also, I noticed constantly on XXXX, information is being inaccurately reported by different servicing company. My understanding is that XXXXXXXX XXXX XXXXXXXX, filed bankruptcy and I am not sure what 's going on with my note and which bank legally owns this note. 
I am requesting for this company to be investigated in regards to their claim regarding my mortgage note if they legally own it. 
They send me incorrect information on my mortgage payment and I am not sure what 's going on if they legally own this note.
Product: Prepaid card

I had a secured card with  Wells Fargo  for {$2000.00} which I deposited. Then they paid out a {$2500.00} fee to disputed account and after many attempts to refund my scammed money the bank refused to issue credit but instead charged me the money and used my secured money. It 's now being reported to the credit companies as a negative account for - {$2500.00}. This is fraud and they need to be investigated.
Product: Money transfer, virtual currency, or money service

I had a balance with cash app and it disappeared. I contacted cash app and they denied my dispute even though I had nothing to do with The disappearance of the balance in my account. in other words they just took my money deliberately. And there's nothing I can do about it they say.sincerely XXXX XXXX
Product: Credit card

I made a purchase in XXXX for XXXX for XXXX monitors I got charged by XXXX. I returned all XXXX items and received a refund. 

XX/XX/XXXX i get a charge of {$1500.00} I reached out to XXXX ( spent over XXXX ) via chat, phone, filed claim forms, emailed and they show no record of this charge. They went through the transaction and couldn't pull up this charge in XXXX. 

I called TD Bank which is the card company and opened a dispute. They came back claiming that this is a chargeback related to the inital XXXX order and there is nothing they can do. Even though i sent proof of the returns, told them XXXX has no record of this charge. I was advised that they can't even reach out to XXXX to find out what the story is since its related to XXXX charge. 

Back in summer i had opened a dispute on this charge as one monitor tracked return received and XXXX was dragging out crediting me for it - in the end they issued the refund so the case was closed. so somehow because of that they say their system doesn't let them reach out. Even thoguh i said its not related this is a charge XXXX has no record of and its coming out of nowhere. i was told i have to take it up with XXXX. 

I will attach invoices and proof of the return of the items so you can see those- if you need both bank statements showing both charges you can ask. 

I don't understand how a bank or visa can allow a company to do chargebacks so many months later and if they can i should be able to dispute like in case above. here its not even a chargeback its XXXX saying they have no record of it and TD sa ; ying its linked to initial charge so i am caught between a wall and hard rock and out of {$1500.00} I just called XXXX again showed them both bank statements of XXXX and XXXX and they noticed that transaction numbers are the same and every time they initiate a chargeback it would be a new transaction number and say its a bank issue that they recharged cause as far as they concerned they charged in XXXX and issued a refund when got return they have no record of this going through twice.
Product: Mortgage

I requested a Pre-Approval from Mr. Cooper. I am in the early stages of looking for a home and wanted a generic approval to know what i could start to look for. This should have been a soft pull according to their site and what is done with any Pre-approval done by other companies. Mr. Cooper did not do a soft pull they did a hard pull and are refusing to take that off my credit report. I did not agree to a hard pull, I agreed to a soft pull. the attachment shows i have tried to get this fixed and have gotten no where. I have even had calls where they have refused to acknowledge wrong doing.
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. 

Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : DXXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX # XXXX, Account name : XXXX # XXXX Account name : XXXX  # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Bounce AI # XXXX, XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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
Product: Credit reporting or other personal consumer reports

During my lease with XXXX XXXX XXXX. I applied for a deferred payment. During my process of deferring my payment, my payment that was supposed to be covered with the deferred payment was reported late. I was never late during this lease agreement.
Product: Vehicle loan or lease

This is an on-going issue with this company. I feel as though I am a victim of predatory lending. I have a DSI loan, where interest accumulates daily. I send extra funds in with my payment to reduce my balance so that I pay less interest over the term of the loan. This company never applies the extra money towards interest although my payments are current and often paid early. I called on XX/XX/XXXX and asked that the extra {$81.00} that was being held be applied to my principal balance. They stated that they would put in a ticket to accounting to have it applied. I got my next statement on XX/XX/XXXX. The {$81.00} was still unapplied and the extra that I paid on XX/XX/XXXX was also not applied leaving me an unapplied balance of {$110.00}. I called again on XX/XX/XXXX to ask why funds were not applied to principal, again, he stated that he would put in a ticket and give them XXXX hours. I called back today to check my balance and this is still unchanged. This company is ripping people off and collecting more interest than they should. I feel helpless, I can only call and take their word for what they promise and they never follow through. This is my second time reporting this company to the CFPB for the same issue. They need to be audited and investigated. This is definitely predatory lending. I have attached the statement that shows the monies not applied to the principal.
Product: Debt collection

I am using a debt clearing Agency for a Regions loan. Regions has been sent a letter from the Agency, and has been told multiple times to contact the Agency. Regions has been told multiple times that they do not have permission to take any money from my account, but they have taken multiple smaller payments, and even took an entire paycheck, with express denial of permission, no prior notice of the funds withdrawal, and no call to ask for the permission to withdraw or to get amount.
Product: Vehicle loan or lease

a signed for a 60 months term. every month I pay extra to principal in order to finish faster. the problem is that the charge me interest on the extra payments and also they keep them as a credit in the account, calculate the interest and then apply the extra to the account. Last month my payment due was {$380.00}. I paid a total of {$800.00} and they applied it the following way : Reg. payment : XXXX Principal XXXX Interest XXXX Payment XXXX Principal XXXX Interest XXXX principal pyment XXXX Why they charge me interest on that XXXX if it was part of the almost {$410.00} I paid extra to principal?. Why the interest is the same if a payment was made and even knowing that should not be charged they calculated the interest over the same previous balance? 
That happens every time and they say to me that I do not know how it works.
Product: Credit reporting or other personal consumer reports

Please see the attached loan payment schedule from the company XXXX and remove the account from my credit report. This account has been paid satisfactorily. You are reporting this account as 90 days past delinquent when it was only 30 days past delinquent. Your incorrect reporting caused this account to be considered a charged off account per the status on my credit report. XXXX XXXX collections are removed 7 years from the date of my first missed payment. My first missed payment according to the payment schedule ( which I will attach for your reference ) was XX/XX/XXXX. This account should have been removed in XXXX, yet it is still reporting. I am sure you understand that this is a FCRA violation. XXXX has since removed this outdated and inaccurate account and I am requesting that Experian and XXXX follow suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included these in my previous Complaint & I am including these again. 
XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, LA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 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: Student loan

Since incurring my student loans - I have been called, harassed, and disrespected every time I had an interaction with anyone from Navient with the exception of the la st 3 or 4 phone calls. After exiting college ; I knew nothing about how to pay back student loans or what my options were. When I called Navient they told me that if I could n't afford to pay the loans I could easily put them into forbearance. They made it sound like this wa s my only option. After I did it the first time, they would just text or email me and tell me to reply " YES '' to keep my loans in forbearance, so that is exactly what I did ; what I thought I had to do. I could not afford the payment they wanted from me, and I was worried about what my loan status was going to do to my credit. I did n't know that during forbearance my already high interest rate was going to continue to accrue at a rate so fast that by the time I realized what was going on I owed almost as much in interest as I did in original principal. In    XXXX   XXXX   XXXX      I attempted to work with  Navient  to pay off my loan in one lump sum. I offered to pay them {$21000.00} if they would " forgive '' the remaining  XXXX   XXXX  dollars I owed them ( which would be a very small portion of the exorbitant interest I had accrued ) but they refused to work with me at all stating that they were not allowed to negotiate any deals. Had I not been steered wrong from the beginning, my credit report and I would both be in much better shape than we are today. In  XXXX    XXXX   I finally applied for a different repayment plan and I 'm still waiting to see if I have been approved. I truly believe  Navient  is a scam of a company and only out to benefit themselves and turn the largest profit possible at the cost of the student borrower.
Product: Vehicle loan or lease

Dear CFPB I am writing to formally lodge a complaint against United Auto Credit and an individual named XXXX XXXX for their persistent and coercive attempts to force me to co-sign an auto loan for XXXX XXXX and XXXX XXXX, whom I believe to be con artists. 

Since 2019, I have been subjected to continuous and unwelcome phone calls from United Auto Credit and XXXX XXXX, pressuring me to co-sign an auto loan for the XXXX. Despite my repeated refusals and clear communication of my unwillingness to participate in this arrangement, their attempts have not ceased. This has now escalated to a boiling point, with the pressure becoming unbearable as of today. 

I firmly believe that XXXX XXXX, in conjunction with United Auto Credit, is collaborating with XXXX XXXX and XXXX XXXX in an effort to scam my credit. The relentless nature of their coercion and the dubious character of the XXXX strongly suggest a concerted effort to exploit my creditworthiness for fraudulent purposes. 

I respectfully request that your offices investigate this matter promptly and take appropriate action to protect consumers from such unscrupulous practices. The ongoing harassment and pressure to participate in a potentially fraudulent transaction have caused me significant distress and concern for the security of my personal financial information. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX