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

This company is practicing willful non compliance I have contacted this company several times by certified mail detailing this company is illegal and wrongful practices. My rights have been violated on several occasions from this company. This company has furnished data on my consumer report related to several accounts that I have already communicated to them is incorrect. This company is also responsible for furnishing negative negative and derogatory remarks on my consumer report. I have written this several letters and documents. I have filed complaints with the consumer. Financial protection bureau I have done FTC affidavits and still this company has refused to remove this information. By law they have 30 days to respond to me in detail their explanation for furnishing this data now that it has been several months later, I have still never received any proof of validation Nor have I received an explanation as to why they continuously furnace this negative data on my behalf without me ever giving them any permission. 

The negative accounts on my consumer report are as follows : XXXX XXXX XXXX  Account Number XXXX Updated XX/XX/XXXX XXXX, XXXX Payment Status Charge-off Bad debt/collection Balance {$130.00} Credit Limit {$170.00} Credit Utilization 75 % 30 days XXXX XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX 60 days late 90 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 
Account number XXXX Account status Open Balance {$430.00} Balance updated XX/XX/XXXX Original balance {$430.00} Company Name XXXX Bank Account Number XXXX Closed Date XX/XX/XXXX XX/XX/XXXX Open Date XX/XX/XXXX XXXX, XXXX Last Activity XX/XX/XXXX XXXX, XXXX Terms 24 Months Scheduled Payment {$0.00} High Balance {$720.00} 30 days late XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX 60 days late XX/XX/XXXX The laws that have been on my consumer report as followed : 16 CFR 444.1 16 CFR 433.2 16 CFR 313.7 15 usc 1681 15 usc 1666 15 U.S. Code 1692g 15 U.S. Code 1692j 15 USC 6809 18 USC 894 l, 18 USC 242.

The Privacy Act of 1974 I demand compensation for these continuous violations of my rights and my consumer laws. Which I am entitled to based on the law and codes designed to protect me the consumer.

This is a case of willful non compliance 7 CFR 205.662 49 CFR 241.15 2 CFR 200.339
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my banker ( 10 years ) that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you. 

XXXX XXXX {$330.00} XXXX XXXX {$1100.00} XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX {$1000.00} XXXX XXXX   XXXX {$8500.00}
Product: Money transfer, virtual currency, or money service

Cashapp closed my account unfairly and would only send my money back to my bank if I paid a fee
Product: Credit reporting or other personal consumer reports

I was looking at my report and noticed there were some things that was not correct. I sent a letter to Experian on XX/XX/year>. But it has been more than 35 days since the credit bureaus havent responded. That a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Instead of responding back with the results. They sent a stall letter stating that I am working with a credit repair company in which I'm not. I did use a software to help with the letters. There is no law stating that I can not use a software or seek professional help if I choose too. I also submitted a copy of my drivers license, proof of residence and my social security card to verify my identity.

Under 15 USC 1681i ( a ) ( 1 ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

This complaint is against TransUnion ( TU ). TU regularly calculates credit scores and I can find mine on XXXX XXXX online. Prior to XX/XX/2024 my TU credit score was XXXX points. On XX/XX/2024, TU lower my credit score to XXXX due to a new credit card balance of {$1600.00}. This balance represented only 0.1 % of my total credit available. Within a couple of weeks, I paid the {$1600.00} balance in full. On XX/XX/2024, TU increased my credit score to XXXX. This was a XXXX point increase. My question is I lost XXXX points on XX/XX/XXXX and only earned XXXX points on XX/XX/XXXX. I called TU and was told that TU has not obligation to explain to me why the credit score was XXXX. Matter of fact, they told me that TU does not have to provide any reasons to the credit holder for any changes TU makes to your credit score. 
It is my understanding that this US Government agency has given the authority for TU to capture credit information and calculate credit scores for people in the US.

My complaint is that the calculation of credit scores by TU may not follow any guidelines and in fact could be anything TU decides, especially since TU does not have to offer any explanations to the credit holder. 

TU is not treating me fairly. I want an inquiry into how TU has calculated my credit score along with all reasons for any decreases or increases such credit score.
Product: Debt collection

My wife rented a car from XXXX. A tire blew out and the car had to be towed. To our shock, we both saw the car with the flat, more than 14 days later, XXXX produced pictures of damaging they say totaled more than {$3000.00}. We demanded pictures and proof from the next day. Never produced. We demanded our insurance company call " bull '' on the attempt to fleece them and ultimately damage us with a higher insurance premium. XXXX XXXX did not, to our chagrin, and paid all but the deductible of {$250.00}. We have paid it to avoid a report on the credit bureau since a bill collector is chasing us now. 

I am a XXXX ( XXXX ). I see true value in your mission based on these continuing attempts and successes of businesses candidly XXXX consumers unfairly and without conscience. In particular, we have heard too many stories of car rental companies fleecing thousands of dollars from its clients. Enough is enough. 

Thanks for viewing.
Product: Debt collection

On XX/XX/XXXX, I filed a dispute of a debt Cavalry Portfolio claims to own with XXXX, XXXX, and XXXX. ( see attached letter dated XX/XX/XXXX XXXX, XXXX and XXXX all forwarded the information to Cavalry Portfolio with a deadline to provide validation by XX/XX/XXXX. 

Also On XX/XX/XXXX, I requested Cavalry Portfolio to provide validation of a debt the claim they own I also requested XXXX to provide accounting of the amount they claim I owe to XXXX XXXX. ) On XXXX XXXX, XXXX XXXX XXXX claims to have mailed me proper validation.Yet they failed to provide a copy of those documents in their response. Making allegations or claims without providing documents of support does not hold any legal standing. 

On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX ( a third party debt collector associated with Cavalry Portfolio ) requesting a settlement for the same XXXX XXXX debt of {$790.00}. This is the only correspondence I have received. 

Cavalry Portfolio never timely responded to my request and have provided no proof they have. 

I am requesting a copy of the letter Cavalry claims to have mailed me on XX/XX/XXXX and proof of mailing they actually sent this letter. 

On XX/XX/XXXX, I filed a Civil claim against Cavalry Portfolio. Since they thought I was bluffing and since it seems to be the only way to obtain unredacted records. 

Cavalry reported this debt to the CRAs with misleading information and deliberately left out crucial information with the intent to defraud. 

Cavalry Portfolio never provided the date of last activity for this account. Alternately Cavalry reports the DATE OPENED as XX/XX/XXXX. This misleads creditors and has a greater negative impact on my credit scores. Negative information has less impact of a consumers credit score as time passes. 

Additionally, Cavalry Portfolio themselves admit they did not buy this debt until XX/XX/XXXX. Therefore, by their own admittance, they reported inaccurate information to the credit bureaus and twice confirmed this information as accurate. This material fact alone is a cause for fines and damages. 

I dont even need to address other false information and violations committed by Cavalry. Instead I will wait for our court appearance and my amended complaint to address those.
Product: Mortgage

I have a first mortgage and HELOC with Suntrust Bank. I am refinancing the first with XXXX XXXX and Suntrust seems unwilling to send me a copy of my HELOC note. I suspect they are trying to sabotage the refinance with XXXX XXXX. The HELOC account number is # XXXX. Suntrust seems to have outsourced the entire back office operation to XXXX. I have exchanged 7 emails with them. They refuse to send me a copy of my HELOC note.
Product: Credit reporting or other personal consumer reports

This information on my credit files is inaccurate and does not belong to me. My personal information was in XXXX, XXXX, and Experian data breach. My information has been sold to third party companies due to the lack of these companies to keep my information private and secure. I am now a victim of identity theft due to this data breach. i have been harassed and threaten by collection agencies. i am scared to answer my phone because they are telling me that they will come after me and i have no knowledge of these creditors that have obtained my personal information for these accounts. i also have over XXXX inquires on my credit files. they are running my credit daily. i have asked for a block and freeze to be placed on my credit files. these companies have yet to do that. i have called each credit bureaus several times and i am being ignore. they have told me to contact the creditors and i have but this is not solving my issue. i am requesting that this accounts, inquires, and false personal information be removed from my personal credit file immediately. 

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} Under the FRCA laws these companies are in violation due to inaccurate reporting and selling my information to third parties. these companies is also reporting the same account under different creditor companies with different amounts, closing dates, account status, and date of last reporting. i would like these removed immediately for inaccuracies. 

also these companies are reporting a bankruptcy this over XXXX XXXX XXXX on my credit files and it has reach its limit and i would like it removed.
Product: Debt collection

I have repeatedly asked this company across all three credit bureaus to erase this account and remove it and stop reporting it as a new debt they failed to do so the account number is XXXX  # XXXX In under Fair Debt Collection Practices Act ( FDCPA ) section 15 USC 1692c , requesting that they stop all communication regarding a debt because the consumer disputes it or wishes to cease further contact ; essentially, a " cease and desist '' letter regarding debt collection activity.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
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
Product: Credit reporting or other personal consumer reports

Letters to Equifax : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent letters one & two requesting Equifax to verify disputed information that is in the public records on my report. 
In response to letter one or two Equifax didn't respond with information that was helpful to me in resolving this dispute. 
Third letter I ask Equifax who was during the verification and what procedures were being used In response to letter three Equifax responded that XXXX was the third party vendor. 
First of all, My XXXX account is closed Secondly, In a letter dated XX/XX/XXXX XXXX stated that this disputed information was unverifiable and was removed from my account. 
I think its unfair for Equifax to use information they can not verify to cause me and my family these financial problems. Also, I think its unfair that they keep responding with information that doesn't seem to be in good faith and according to Fair Credit Reporting Act 611
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX  XXXXXXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX XXXX  XXXX {$120.00}, XXXX XXXX XXXX {$20.00}, XXXX XXXX XXXX {$1200.00}, XXXX XXXX {$1000.00}, XXXX XXXX {$720.00}, XXXX XXXX {$5200.00}, XXXX ACCT XXXX {$350.00}
Product: Mortgage

New rez bought my loan back in XXXX or XXXX. My payment WAS XXXX and I had just refinanced the year prior so I know all the numbers were correct. Newrez didn't have my loan but maybe 2 months before they raised my payments by almost 90 a month. They first told me we had an increase in taxes. ( I am the # XXXX XXXX XXXX XXXX and XXXX XXXX in my community so I knew that was untrue ) the second call they told me that the escrow department REFUSED to look into it. They are holding almost 1500 MORE than my taxes and insurnace is. I plannned on refinancing but now I have to wait until we are back to work. Then they send me a letter stating they put us in forbearance. We didn't ask for that. Being in the industry i would never ask for that. I know how misleading and damaging that is to someone credit. I requested a call back 3 times ( still haven't heard anything ) on why they did anything with our loan. I just logged on to pay my XXXX mortgage and once again they raised it by another XXXX dollars. They are already holding an extra XXXX dollars. My taxes are about XXXX ( and that is guessing high ) my insurnace is XXXX ... they are holding XXXX a month. Over 6500 a year. This is uncalled for and I believe an abuse of power. I have sent my mortgage info in to the XXXX, state attorney General, you ( now for the 2nd time ) and several mortgage brokers i do business with and all.of them have said this is NOT they way mortgages are to be calculated. Not one. 

This is my second time filing this complaint and the company did nothing but make excuses the first time. What they are doing is wrong and unethical. I have spoke over 50 shell point customers in my area and not one had good things to say. Not one. 

I am looking for the consumer finance department to please help me before I am forced to hire a lawyer.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past du e  X/2016  I a m not sure how this happened, I believe that I had made my payments to you when I received my statements.     I was in the middle of a divorce and it was my understanding that my ex-husband would be taking care of these payment as per our divorce decree.
Product: Checking or savings account

I used TD bank years ago. There were charges that didnt belong to me and poor customer service. It made my account in the rears as I am on XXXX. The total of my account was much less than they claim. I also am not familiar with any of the transactions on the following pages. I would like them all removed from my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : FRAUDULENT HARD INQUIRY I am hereby notifying you that these are fraudulent and neither on those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given permission to furnish this information. Having understood this is a violation of 15 U.S.C. 1681b. Both together and separately my consumer and privacy rights are being violated. The aforementioned fraudulent/unauthorized hard inquiries are to be removed from my consumer credit report and file IMMEDIATELY as the reporting of them has caused me and my reputation harm and discrimination. 

Without Prejudice, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications XXXX be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed several fraudulent accounts and inquiries that I did not authorize. I am submitting this dispute to formally request their removal from my credit file. 

Attached is my FTC Identity Theft Report, which lists the fraudulent accounts and inquiries. These unauthorized items are negatively impacting my credit, and I would like them investigated and removed as soon as possible.
Product: Vehicle loan or lease

Tidewater Finance Company, XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX ( XXXX ) XXXX-XXXX This creditor has reported on my XXXX credit report as an open account since XXXX. This information is incorrect. The amount owed has since been charged off and included in an open judgement with their attorney. 

XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 1.XXXX XXXX Account Number : XXXX 2.XXXX XXXX XXXX Account Number : XXXX 3.XXXX Account Number : XXXX 4.XXXX Account Number : XXXX 5.XXXXXXXX XXXXXXXX  Account Number : XXXX 6XXXX XXXX Account Number : XXXX 7.XXXX XXXX Account Number : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I and writing in request that action take place on these accounts reporting negatively on my credit report. I have requested that my personal information be updated. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681 b ( c ) and a serious breach of my privacy rights. 



Acct. XXXX XXXX XXXX XXXX late 30 days XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Acct. XXXX XXXX questionable Acct. XXXX XXXX XXXX questionable Acct. XXXX XXXX XXXX questionable Acct. XXXX XXXX XXXX questionable Acct. XXXX XXXX XXXX inaccurate Acct. XXXX XXXX inaccurate Acct. XXXX XXXX questionable Acct. XXXX XXXX inaccurate Acct. XXXX XXXX inaccurate Acct. XXXX XXXX inaccurate Acct. XXXX Original Creditors incomplete information Acct. XXXX Original Creditors incomplete information Acct. XXXX Original Creditors incomplete information Acct. XXXX XXXX XXXX not mine Acct. XXXXXXXX XXXX inaccurate Inquires : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I was sent a check in the mail around XXXX time from Tower Loan. I believe I was targeted due to my credit and low income status. Out of desperation and wanting to buy nice things for my family, I deposited the check into my account. They then called and told me that I was approved for a higher amount so I went into the store to receive the extra money. Fast forward a few months and the payment amounts have ballooned to astronomical amount and I am unable to keep up with the payments. They are constantly harassing me with phone calls, text messages, and even showing up at my house and threatening to sue me. They call more than 10 times a day and never leave voicemails. I tried to negotiate a different payment plan to help get caught up with the payments but they are unwilling to help. I currently work with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX but Tower Loan doesn't work with any other companies and are unwilling to help consumers at all. I believe they have predatory and unfair practices that are really hurting people by targeting those who are in desperate need and then become unwilling to help them out. They need to be investigated as a company and shut down. Not only that but the online payment portal is inaccurate and doesn't show the full amount that needs to be paid off, creating more deceit about the interest and loan.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions were settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.