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

I, XXXX XXXX, am addressing with the credit reporting agency. The key issues are : Willful Noncompliance ( FCRA Section 616 ) : The credit reporting agency accepted inaccurate credit information without proper verification, which could result in civil liability up to {$1000.00} per violation.

Failure to Disclose Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : The agency did not disclose my right to opt out of sharing my personal information, violating my consumer rights under the FCRA.

Furnishing Inaccurate Information ( FCRA Section 623 ( a ) ( 3 ) ) : The agency provided inaccurate credit inquiries and accounts without adequate validation, which is misleading and potentially violates accounting principles. Debt Collection Violations : Debt collectors reported inaccurate debts without my consent, engaging in unfair practices that caused undue distress, violating
both the FCRA and the Debt Collection Practices Act.

Unauthorized Hard Inquiries ( FCRA Section 1681b ( a ) ( 2 ) ) : Several unauthorized hard inquiries were made on my credit report, in violation of the permissible purpose requirement of the FCRA. I demand that these inquiries be removed immediately. 
Failure to Validate Debts ( FCRA Section 1692g ) : For multiple items listed as debts, I am requesting proper validation as per 15 U.S. Code 1692g. Without proof of the alleged debts or proper verification, I am demanding that these items be deleted from my report.

The primary violations stem from the failure of the credit reporting agency and debt collectors to adhere to FCRA provisions regarding the accurate reporting of credit information, consumer rights, and validation of debts. I am requesting immediate corrective actions, including the removal of incorrect personal information, inaccurate debts, and unauthorized inquiries. If these violations are not addressed promptly, I will pursue legal remedies under the FCRA.
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn to! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, & Equifax didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, XXXX, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Vehicle loan or lease

As filed various complaints against Prestige Auto Loans it appears that this company does n't want to restructure or lower my high interest rate of 17 % and {$440.00} and {$480.00} .Prestige administration and business partner XXXX XXXX XXXX XXXX XXXX , Texas and staff stated that I did n't have a problem in addressing on high car payment and high interest rate. I have a VA Mortgage payment and home expenses and why would n't address high interest and high payment on a car loan? I am XXXX and Retired and with a fixed income, if I was working and having a decent salary, than the picture of affordability changes. Prestige and XXXX XXXX XXXX lures citizens and Military Veterans with bankruptcy and disadvantage credit and promise them that their high interest rate and car loan monthly payment will be lower. Prestige special program in lowering your monthly payment and interest rate, is that a consumer give their bank information and have a bank draft so every month, your checking account be debited and company receives their money. If a consumer is paying their car loan on time each month for one year, why does he or she has to give their bank checking account information to get the benefits in interest and high payment reductions? Prestige stated if I do n't do their schemes I do n't get nothing and keep paying high loan payments and high interest rate.Prestige also stated that I file complaints to get over on them? How can I get over on them if I have a high loan car payment and high interest rate of 17 %? Prestige is a company that makes billions of dollars and they do n't have a Financial Hardship like I have. How many Consumers, XXXX Citizens and Military Veterans filed complaints against Prestige and XXXX XXXX XXXX for giving them promises and lies on their loans and vehicle purchases? Prestige is going to keep getting away with unlawful Federal Consumer Violations and taking advantage on hardworking american that has disadvantage credit and Bankruptcy on their credit report. A mounted of {$880.00} is going to be added on my XX/XX/XXXX loan payment and Prestige is going to start putting a repossessions collections on my credit report with XXXX, XXXX and XXXX. Why did Prestige and XXXX XXXX XXXX approve a vehicle loan if I was going through a bankruptcy chapter XXXX on XX/XX/XXXX? Federal Judge of XXXX, Texas Discharged Bankruptcy on XX/XX/XXXX. I made my first Prestige Loan payment on around XX/XX/XXXX or XX/XX/XXXX.
Product: Credit card or prepaid card

I have now reached out to the Department of Justice. I feel as though I had to because this Department is showing negligence as well with getting remedy for this.
Product: Mortgage

My mortgage company Ditech has denied me access to government homeowner assistance programs that could help me save my home and have scheduled a foreclosure sale date for XXXX XXXX, XXXX. I started a new job as a XXXX  XXXX with the state of New Jersey a year ago and have been trying to get Ditech to consider me for homeowner assistance options due to a prior delinquency. I was told by their agent over the phone that I qualified. Then I sent in my paperwork and it is repeatedly lost or misplaced and I am transferred from department to department and the assigned account manager keeps getting changed. It has been close to a year and Ditech has failed to actually conduct a review of my current and correct financial information. Instead they have scheduled a foreclosure sale date even though they did not offer me mediation as required by the state of New Jersey. It is obvious that Ditech believes the rules do not apply to them. 

I proudly served in the XXXX XXXX for 21 years and have owned my home in XXXX for 20 years. Once out of the military I worked as a XXXX XXXX XXXX for several years. My hours were cut and I was struggling financially and applied for and was approved for a loan modification. I began making the trial payments on the modification and then got laid off. I scrambled to make my payments but ended up defaulting on the modification. I then went through a rough period where I could not find full time workI collected XXXX and worked part time for XXXX XXXX and I fell further behind on my mortgage. About one year ago I was hired by the state of New Jersey as a XXXX XXXX. I began reaching out to Ditech right after I started, because I was back in a position where I could afford a fair and reasonable mortgage payment. I contacted their office to try and get a review opened of my financial information so that I can fix the delinquent payments, but have been met by obstacles and roadblocks. I was initially told that based on my financial information that I qualified for a modification but then I would send in the paperwork and Ditech would go dark. As mentioned I have been given the runaround by their agents, who transfer me from department to department, lose my paperwork and they constantly reassign account managers. I have never been able to get reviewed. 

I occupy my home with my wife and son and grandson. I fell on hard times due to job loss but have gotten everything back on track and just need Ditech to work with me so that I can save my home. I dont know what I would do if I lost my home. I am not able to reinstate the loan, I need Ditech to stop this sale date and work with me towards a solution.
Product: Student loan

My federal student loans are aprox XXXX. I need to start repaying these loans. I currently pay {$500.00} a month in private loans, so my discretionary income is next to nothing. I have contacted resources for help arranging payments and they do not take into consideration my overall debt and I was told that it would cost me {$600.00} for these agencies to help me get a pmt of {$170.00} a month, which is still more than I can afford. I am an XXXX and if I default I could lose my job. Time is running out and I am desperate. Basically I was told that if I had children and was single and was not working full time and receiving aid from the government they would be able to make my payments next to nothing. I am being punished for trying to be a responsible productive member of society.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers ' right to privacy. '' 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. '' First Federal Credit Control is a financial institution by definition under that title 15 USC 1681 section 604 a 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. '' First Federal Credit Control, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and First Federal Credit Control, whether it be 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. '' First Federal Credit Control never informed me of my right to exercise my 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 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. 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 the above mentioned companies reporting services.
Product: Debt collection

So I had a credit card years ago, but I was behind on paying this debt. So this debt was passed on to a debt collection company, called Midland Credit Management. I've spoken to them over the phone for 2 years now or more. 

They were were fully aware that I wasn't working at the time and still harassed me by repeatedly calling me. They still call me at odd times throughout the day. I don't mind working out some kind of payment plan with MCM, but not if they keep calling me constantly without my consent.
Product: Credit reporting or other personal consumer reports

SBA - US Treasury Account XXXX and Equifax-inaccurate reporting of disaster loan from payment history, account opened and closed ; Terms and balance. 

The inconsistencies and inaccurate reporting have affected my credit, and have been dismissive of previous requests for erroneous reporting. Nor did I receive a 1099c for tax purposes of cancellation of debt, which I was responsible for submitting to the IRS ; I never received one.
Product: Debt collection

XXXX XXXX XX/XX/year> Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX Subject : Request for Debt Validation Dear Credit Collection Services, I am writing to request validation of a debt that appears on my credit report. This request is made under my rights provided by the Fair Debt Collection Practices Act ( XXXX ) and the Fair Credit Reporting Act ( XXXX  ). These laws entitle me to request and receive specific documentation to verify the accuracy and legitimacy of debts reported on my credit file. 
The details of the debt in question are as follows : Creditor Name : XXXX Amount : {$130.00} In accordance with Section XXXX of the FDCPA ( XXXX XXXX. XXXX ), I am requesting the following documents and information to validate this debt : XXXX. XXXX XXXX XXXX : o A copy of the original credit agreement or contract with my signature, showing that I am legally obligated to pay this debt. 
o The name, address, and contact information of the original creditor. 
XXXX. Detailed Account XXXX : o A comprehensive statement showing the original amount of the debt, the current balance, and a detailed breakdown of any interest, fees, or charges that have been added. 
o A record of all payments made toward the debt, including the dates and amounts of each payment, and any adjustments or credits applied. 
XXXX. XXXX of XXXX XXXX : o Documentation proving that the debt collector currently reporting this account is authorized to collect on this debt. This should include a copy of any assignment or transfer of debt documents from the original creditor to the current collector. 
XXXX. Evidence of Account XXXX : o XXXX that the debt is within the statute of limitations for collection, as specified under applicable state laws. This includes the date of the original default and any relevant dates affecting the statute of limitations. 
XXXX. Confirmation of XXXX XXXX : o XXXX that the information reported on my credit file is accurate and that the debt is being reported by the XXXX XXXX. This includes confirmation that the account details and status are correctly represented. 
XXXX. Dispute Resolution : o Information on the procedure for resolving disputes related to this debt if it is found to be inaccurate or unverifiable. 
Under Section XXXX of the FCRA ( XXXX XXXX. XXXX ), I am entitled to an accurate credit report, and I request that you conduct a thorough review of this account. If the debt can not be properly validated, please remove it from my credit report and notify me in writing of the outcome. 
Please confirm receipt of this letter and provide a written response within 15 days, as required by law. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I normally receive my pay 2 days early ( Wednesday ) bi weekly with Capital One, however last pay period the holiday fell on that Wednesday so I received it on Thursday. On Wednesday when I did not receive my pay I assumed the holiday just rearranged things a bit so when I still did not receive it on Thursday I was upset. Like most others I am not working for leisure I have to provide for my family and pay bills. I stop have not receive the pay on Friday my actually pay day and that is a problem. I have received several late fees and I had my mortgage payment set up to be withdrawal from the bank. I do not think it is right that I should shoulder the responsibility of all the fees. Additionally, with the upcoming holiday this money if the funds are not made available today I do not know what will happen, this is my main account where I house most of my funds. Like a large portion of the population I live mostly paycheck to paycheck and this is beyond an inconvenience at this point. Then for the company not to say anything or update account holders is inconsiderate and poor business practices. I want to know how the company plans to make us whole
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1692c - ( Communication ) in connection with debt collection Communication - Cease remove accounts from credit reporting any form of communication.

15 U.S.C. 1692G - Never Received any physical information of Validation of Debt - Requested Original Purchase Agreement - Provide a Proff of claim Never Recieved - Requested All methods of verification I feel Im being violated of my Rights with the accounts listed below # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! 
I just received my investigation results from Equifax. I am now concerned about how they verified some of my information. I have a few concerns as to how they are conducting their research. Did they talk to my neighbors, friends, family, etc? I was reading the FCRA and noticed Equifax has violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, consumer, and natural person, am aware of all my rights that I have, and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts in the attached letter. They have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I have sent them a letter regarding these issues, and have attached a copy to this complaint : Registered Mail # XXXX XXXX XXXXXXXX XXXX US I am also feeling placated, because when they said they had reinvestigated, nothing has been updated or corrected when it comes to my personal information. So, really, I have never had my previous complaints validated by them, and I am NOT satisfied with their response to me. 

Thank you for being in my corner, and helping me with all this. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I have perfected a security interest in my private property and American Credit Acceptance is ignoring my Affidavit.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' 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. '' USDOE/XXXX, XXXX, XXXX, XXXX XXXX, XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a 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. '' USDOE/XXXX, XXXX, XXXX, XXXX XXXX, XXXX is a financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, USDOEXXXX  XXXX, XXXX, XXXX XXXX XXXX  whether it be 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. '' USDOEXXXX, XXXX, XXXX, XXXX XXXX, XXXX never informed me of my right to exercise my 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 convictions of crimes which antedates the report by more than XXXX 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. 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.

16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods
Product: Debt collection

I was not contacted by this debt collection company Wakefield and Associates. They put a debt on my credit report without a phone call or a letter or any contact of any sort. I do not owe this debt and just saw it pop up on my credit reports!
Product: Credit reporting or other personal consumer reports

15 usc 1681a2 stating I didn't give written permission to have those accounts furnished please remove off credit report
Product: Credit card or prepaid card

I noticed a purchase made on my XXXX XXXX XXXX XXXX credit card due to receiving an email stating my order had been shipped. I logged into my XXXX 's account and found a charge for {$260.00} for a XXXX XXXX XXXX XXXX XXXX. The order was placed on XX/XX/ and shipped to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX, phone number XXXX. I contacted XXXX 's and spoke with 4 different representatives who kept transferring me around the Fraud department. I was eventually placed on hold and waited 17 minutes and no one returned on the line before I disconnected. I called back and was directed to the Fraud department again. They explained that they would cancel the shipment and that I would not be refunded until they had the item back in hand. I explained that this was not fair, I did not place the order, and felt as if I was being punished due to a fraudulent charge placed on my account. I asked to speak with a supervisor and was placed on hold again, I waited 10 minutes and eventually disconnected, again. I called back, and spoke with a representative in the Fraud department who closed my account and explained I would need to fill out paperwork that was going to be mailed to me. The due date for my minimum payment is due XX/XX/ and I do not feel that I should be responsible for paying on this fraudulent charge. XXXX XXXX has been nearly impossible to work with, I have spent countless hours on the phone/hold with their departments to have nothing resolved. The shipment to XXXX XXXX was never stopped and did get delivered to him on XX/XX/.