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

I have sent the XXXX XXXX to the department of education and XXXX for the past year to resolve wrong information and the removal of my student loans. 

I am a XXXX XXXX and under the Americans with Disabilities Act this information needs removed from my credit file. My loan was also over 7 years ago.
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. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 have sent two validation letters in XXXX/XX/XX/2021 to Transworld Systems regarding them that they're in valuation of HIPPA law in attempt to try to collect on a debt. The company has failed to validate my debt. Instead they sent me a list of my medical records instead of my HIPPA release form which I requested in the letters I sent which is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. I also requested for Transworld Systems to send me this specific information in those letters with my signature and to see how they receive this private information regarding my personal health and they failed to do so. This negative reporting is damaging my credit worthiness to obtain housing for my family in these struggling times we all are living in. Please delete this information from my credit file and cease all collection activities failure to do so I will be perusing legal actions. 

Thank You
Product: Checking or savings account

XXXX XXXX turned me over to a collection agency. They are saying I owe the bank {$1100.00}. This is not possible because I did not have checks to the account and it was set up so if the money was not there I could not use my debit card.
Product: Credit reporting or other personal consumer reports

I disputed account information with this creditor on XXXX XXXX XXXX XXXX XXXX, and XXXX citing incorrect information being reported. The account showed as Charged Off on two of my reports and continued to report as late ( XXXX and XXXX ). The vehicle was repossessed on XXXX and sold at auction on XXXX at this time I never received a Notice of Sale nor a Notice of Deficiency Balance. I asked XXXX and XXXX to investigate and the action took more than 30 days and a proper investigation was not completed. My CGPB complaint was answered in the proper timeframe but at that time the creditor illegally re-aged my date of last activity AND did a hard pull that resulted in an inquiry. As of XX/XX/XXXX, my XXXX report shows the date of last activity to be XX/XX/XXXX and my XXXX report shows the date of last activity to be XX/XX/XXXX although they continue to mark my account as late on my XXXX XXXX XXXX XXXX. Comments are listed as Repossession, however, on XXXX the payment history for the last 2 years ( XXXX XXXX XXXX ) is listed as OK/On-Time. Global Lending services failed to accurately report information across the credit bureaus and the bureaus failed to properly investigate the same. Further, following the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 
Unfortunately, my files are too big to attach here, however, I have attached a few screenshots of relevant information and am happy to provide more details in another venue.
Product: Credit reporting or other personal consumer reports

Experian has defended to investigate XXXX XXXX XXXX that starts with XXXX. they have been provided with the correct documentation in the mail, have received the CFPB report stating it was removed, received a XXXX XXXX paperwork stating it was removed, recover the XXXX paperwork stating it was removed and personally had me call requesting removal off account. Violation 607.Compliance procedures [ 15 U.S.C. 1681el ] B ) Accuracy of report has been one of many violations as they have also failed to resolve the issue within the first 30 days this dispute was first sent. This is now day 90 with no resolve to the issue and refusal to investigate accurately.
Product: Debt collection

Commenity Bank is calling and harassing me non stop all day long. XXXX calls a day when Im trying to work. When I block a number they call me from another. I HAVE NEVER IN MY LIFE OWNED A COMMENITY BANK CREDIT CARD NOR DO I OWE MONEY TO ANY DEBTORS. THEY ARE CALLING THE WRONG NUMBER AND IT NEEDS TO STOP.
Product: Checking or savings account

I closed my Chase small business checking account in XXXX, 2020. The customer service staff confirmed it was closed over the phone. Prior to this, I had moved all my vendor subscriptions to use another checking account debit card with another bank. 

I later received a letter from Chase that my account had been overdrawn which couldnt have been possible seeing as it was closed. Upon further research I discovered that Chase had not fully closed my account, but instead had allowed a charge in the amount of {$10.00} for an old vendor I had forgotten had been linked to my debit card. I expected that if there were any online vendor subscriptions that they would be declined since the account was closed. 

This then cascaded to Chase adding insufficient funds ( NSF ) and overdraft fees and monthly service fees on top of it. I later attempted to resolve the issue by contacting Chase and I paid the amount the vendor charged to Chase over the phone, but that I didnt feel the added fees were fair or ethnically based since I had been led to believe the account was closed and went through every reasonable effort to ensure it was. Their customer service said they were unable to help and do anything and I felt powerless and defeated just to try and get someone to understand what happened and how its not acceptable to treat small businesses like this. The reason I closed my account is due to my small business struggling during the pandemic and I couldnt afford to keep the balance amount to their limit in order to waive the monthly fee so I found a local bank that offered free monthly checking accounts instead as I had lost a lot of business. 

I received another letter which shows they sent the account negative balance to their collections department in the amount of {$80.00}. Since the last correspondence letter in the mail, I moved several times last year and have not received any other communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of XXXX XX/XX/XXXX, XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX.
Product: Debt collection

I had a payday loan and was unable to make payments due to a cash flow problem. Setup a repayment plan which after a few payments was unable to meet obligations due to still having cash problems. Instead of notifying me by mail of an attempt to collect a debt owed these people without warning went into my checking account and took the money causing my account to overdraft and causing me even more financial hardship
Product: Credit reporting or other personal consumer reports

I entered a Debt Management Program in XX/XX/2024 for my XXXX card with account number ending in XXXX. The payment was agreed at {$130.00} each month which I have made every month on time. In XXXX XXXX reported to XXXX and Transunion that my account was 30 days late.In that same month XXXX reported to XXXX that I was current. I received an letter from XXXX in may acknowledging delayed handling of my Debt Management Program setup and that they would handle, but late reporting has persisted. I disputed this with XXXX and Transunion and both stated the reporting was confirmed as accurate but provided no proof of that. This line was never 30 days late.
Product: Debt collection

I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : CONNS CREDIT CO The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX, TX XXXX I was advised to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. I have also attached a copy of the " Certified Mail Receipt '' so that you can see the tracking of this letter. You will notice that this was mailed out XX/XX/XXXX, and was not able to be delivered due to them reporting the wrong address on the reports, again, a violation of the FCRA and FDCPA. 

I have just had the envelope returned to me, as it says it is an invalid address. This IS the address that Conns Credit was reporting on the credit reports, which in itself, is a violation of the FCRA and the FDCPA as they are reporting inaccurate info on my reports, not to mention the debt itself. 

Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. Since they are reporting inaccurate info on the reports, it has now made it impossible for me to use my rights under the FCRA and FDCPA to get validation on this account, and makes it impossible for them to validate it within those 30 days as I mailed it to the address that they inaccurately put on the reports. 

Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and Conns Credit Co have NOT removed this account from my credit reports, or have sent me any kind of validation. 

I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on my credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. 

Thank you for helping me resolve this matter.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 Section 602 states, There is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. XXXX, XXXX and TransUnion are consumer reporting agencies and Im the Consumer. I have the right to make sure that the my private information isnt 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. 15 USC 1681 Section 604, 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 reason : in accordance with the written instructions of the consumer to whom it relates. The financial institution and the Consumer reporting agencies, XXXX, XXXX and TransUnion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to TransUnion whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( C ) states, 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. 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S. Code 1681s-2 ( 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, XXXX and TransUnion is 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 all reporting services.
Product: Mortgage

Loan Number XXXX Bank of America Home Loans XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX To whom it may concerned, Over the past 14 months, I have tried to receive assistance from Bank of America to help me keep my home or help me with some assistance to find a subitle place to stay. This has been one of the hardest things I have tried to do.I have email, faxed and mailed documents to Bank of America Home Loans. I spoke with a customer relationship manager from Bank of America on XX/XX/2018, and she specified to me that I can be approve for a short-sale or Cash-for keys assistance. I have made numerous attempts to find out what are the issues on my loan to keep me from getting some type of assistance. The home is in very good shape, I would hate to leave it and someone will destroy it. I am also working with XXXX to help me with this process. No-one from the Bank is telling me anything. Bank of America has a sale date on my home for XX/XX/2018. The Bank specified, I have issues on my account, but wont tell me what the issues are!! What is really going on here?? Why wont Bank of America help me? I have even went the local office of XXXX XXXX representatives in XXXX about Bank of America. If, they dont want to lower my mortgage so I can keep it, Bank of America could help with me a short-sale or cash-for Keys. What happened to the Harp program to help home owners in a time of need? For the past 14 months I have sent over, pay stubs, Utilities bills, hardship letters, bank statements, all of my income to help me get approve for some type of assistance for Bank of America to tell me, they cant help me? Why would they put me thru all of this stress and turmoil for nothing? Something is not quite right with this picture. I am having frequent XXXX XXXX, and my XXXX XXXX and XXXX XXXX is very high. My doctor back in XX/XX/2018, put me on XXXX XXXX XXXX medicine. This is not right! 

This following email is dated for XX/XX/2018 to Bank of America To the Appeals Department at Bank Of America To whom it may concern, I XXXX XXXX, am requesting any other outstanding issues with the Appeals Department. Please send me a list documents I need to submit so I complete this process. 

Thank you so much, XXXX XXXX XXXX # XXXX
Product: Checking or savings account

Hi, My account was locked for XXXX  days for security reasons and because of this I couldn't just setup a regular external transfer but I had to do a wire transfer. Now I see that there was a {$15.00} incoming wire fee which dropped my new money of {$15000.00} to {$14000.00} ( making me the offer expire ). Can we rectify this as I called XXXX times for my account access but was ensured that I would get access in XXXX hours? 

Chase responded with they can not see if I am going get the {$600.00} but to just wait after XXXX days. I find it odd that my account was locked for XXXX days making me unable to setup a transfer in time for the promotion.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, your company is in clear violation of the law.

Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency violates 15 USC 1681.

Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company.

Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1 681 violations for willful noncompliance-6 16. Civil liability for willful noncompliance ( 15 U.S.C 1681n )
Product: Mortgage

*last week of XX/XX/XXXX received paper statement from NewRez LLC that I owed no mortgage payment for XXXX XXXX on loan # XXXX in the amount of {$500.00} * suspecting error I called NewRez XXXX number XX/XX/XXXX and was told no matter what I received in the mail, I definitely owed XXXX 's payment. I made a one-time payment online. 
* checking on XX/XX/XXXX I found the withdrawal from my XXXX XXXX XXXX account paying the mortgage had NOT occurred. Calling back NewRez was told 'sometimes it takes a few days '. Meanwhile checking NewRez ' payment history it said mortgage paid. 
* XX/XX/XXXX still no payment withdrawal from XXXX, checked NewRez online profile, said XXXX mortgage payment still owing. Called New Rez again to make a one-time payment, the representative gave me a confirmation number of XXXX. 
XXXX still no payment withdrawal ( online payment history said it was paid ), called again NewRez & spoke to XXXX XXXX XXXX who said not paid, we did another one-time payment again going through account and routing numbers, and I received another " confirmed scheduled to pay '' number of XXXX. 2 days later the withdrawal occurred. 
===> My concern is unreliable and inconsistent payment accounting systems. What information can I rely on? Have my escrow payments been made on time in full? Just how faulty are their online systems? From my experience I can't trust them. 
My request is that the NewRez payment accounting systems be evaluated for adequacy and accuracy and reliability so that customer payment systems are protected from malpractice. 
- XXXX XXXX
Product: Credit reporting or other personal consumer reports

I seek your help addressing Experians failure to remove inaccurate addresses from my credit file. This issue aligns with the recent CFPB lawsuit against Experian, which revealed systemic violations of the Fair Credit Reporting Act ( FCRA ), including mishandling disputes and failing to update outdated information. 

Despite legal findings and my repeated requests, Experian continues to neglect its obligations under the law. I request the XXXX assistance in urging Experian to comply with the FCRA and correct this issue. If unresolved within 30 days, I will escalate through legal action and formal complaints. 

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

To Whom It XXXX Concern : I am submitting an urgent complaint that requires the CFPB 's immediate priority assistance. Equifax has failed to resolve my credit reporting dispute despite four attempts over several months. 

Equifax continues refusing to provide mandatory investigative documentation related to a demonstrably fraudulent charge-off from XXXX XXXX ( Account # XXXX ), in violation of Section 611 of the FCRA. 

This false information is blocking my approved federal financial aid to attend college this year. The fall semester starts on XX/XX/2023 and I must accept my student loans by XX/XX/XXXX. 

However, Equifax refuses to produce the required reinvestigation records validating the account, which is my right as the disputing consumer under federal law. 

I implore the CFPB to take swift action to compel Equifax to provide the documentation immediately and resolve this unlawful obstruction of my dispute rights. Equifax must comply no later than XX/XX/2023 to avoid irrevocable harm to my education and future opportunities. 

Please contact me as soon as possible by phone at XXXX or email at XXXX to advise next urgent steps your office can take to enforce fair credit reporting protections. I am available anytime and happy to quickly provide any evidence required. 

Thank you in advance for your prompt assistance. 

Best, XXXX