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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 a account without my written instructions. I am extremely upset with Florida XXXX XXXX XXXX unfair practices. I contacted and updated my employmentinformation XXXX and XXXX  months ago with them. Your system says it isstill pending. I called previously numerous times to check on status if it was update and still to no avail. I recently, once again called to check again for updatesand the agent told me that they do not have my job informationin the system. She took my job information and was advised that they will contact my employer to update the payment plan again. However, recentlyyou placed the balance of {$660.00} on my credit file in whichI never received any letter or call in regards to you reporting this on my file. This is unacceptable. I have done my part to ensure that you are up to date with my job and this is how you treat fathers. 

You can't treat law abiding father 's with this unfair practice. We have a voice. We matter so do the right thing. There should be a full investigation into this matter.
Product: Checking or savings account

For four months I have been trying to get Bank of America to add my checking and savings account to a trust I have established with my wife. I contend that Bank of America has deliberately and repeatedly misconstrued my instruction in an effort to generate more business for the bank. On at least FOUR separate occasions I have stated that I want to add my accounts to an existing trust. EVERY TIME the response was " Oh, so you would like to set up a trust '', meaning that rather than follow my instruction they seize on this as a sales opportunity. This has happened to me by telephone repeatedly - I spent OVER an hour trying to get this done, only to have the bank send me paperwork to open a new trust account with the bank. On a separate occasion, I was sent the paperwork I needed, I sent it back, and was told in late XXXX that there was an error with the paperwork, but they couldn't tell me what it was, and I would have go to the bank to " set up my trust ''. Again I stated that I was ADDING the accounts to an EXISTING trust. Their objective was to FORCE me to go to the bank. I had the matter escalated by contacting the executive office. The executive office told me my signed, notarized paperwork was all correct - the person who decided it was incorrect had " assumed '' my wife and I were both owners of MY checking and savings account ( ANYONE dealing legitimately with an account would check the owner 's name rather than make an assumption ). But he told me that nevertheless, we would have to go to the bank. 

We went to the local branch on XX/XX/23, stated what we wanted to do, and were met once again with " Oh so you want to open a trust ''. We clarified, the person we dealt with submitted our paperwork again, and we were told we would be called back in a couple of days when it was approved. I called back today after four business days to check the status. I was told I would be called back with the status. Rather than that I got a SALES PITCH to " help me with all my banking needs ''. I asked the salesman if he was calling in reference to my effort to add my accounts to an EXISTING TRUST, and the salesman said " Oh, so you want to set up a trust ''. 

It is IMPOSSIBLE that EVERY person I dealt with misunderstood my requests. CLEARLY Bank of America 's policy is to DISREGARD its customers ' clearly stated wishes, through up ROADBLOCKS that make it impossible to do business other than by going to the branch, where they will be subjected to SALES PITCHES rather than SERVICE for their accounts. I am CONFIDENT that this is in their TRAINING SCRIPTS because it happened 100 PERCENT OF THE TIME. 

Bank of America has been fined MANY TIMES for DISREGARDING its customers wishes, and clearly they have learned NOTHING. PLEASE take further action against them, on behalf of consumers like me who have to WASTE tremendous amounts of time dealing with their FRAUDULENT BUSINESS PRACTICES. Thank you.
Product: Checking or savings account

I have a venmo account that was suspended for almost XXXX  years they will not give me back my {$300.00} that I have in there they told me it's because of fraud but I have nothing to do with that I don't even know what happened I just woke up XXXX day and my money was frozen and it's been like that for almost XXXX  years I would have done something or said something with the CFPB but I didn't know that. You existed until about a week ago so the only thing I'm asking venmo to do is to give me my money if they want to shut down my account and not do any more business with me they will not give me a reason why they holding my money they just holding it. And this has been going on since XX/XX/year> XXXX
Product: Vehicle loan or lease

disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to
Product: Debt collection

Please be advised that I have sent in different occasions to RESURGENT CAPITAL SERVICES, LP, a request to validate account # XXXX and show me proof of ownership. They have failed all this time to send the required documentation to prove that this account is mine. As per the DFCPA, RESURGENT CAPITAL SERVICES, LP must prove that this acct is mine showing any existing contract or application signed by me with my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX- Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXXXXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, and XXXX  - Account # 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: Debt collection

My daughter lost her job on XX/XX/XXXX and continued to pay the car note until the following year in XX/XX/XXXX. The car was inopearable from XX/XX/XXXX until XX/XX/XXXX and i wasnt work at the time because of covid .My daughter called the fiance company and explain to them she was out of work becuase of covid and her XXXX and explain i too was XXXX  at the time and ask them to come pick up the vehicle .We washed and cleaned the car and returned it in the best condition possible minus a little were and tear. MY daughter notified me they sold the car at auction and we did hear anything eles until crown asset mangement began to harrass me.
Product: Credit reporting

Yesterday I applied for a home loan and was turned down because of XXXX negative entries on my Transunion credit report. And I still have not been able to get my FREE annual copy of my Transunion credit report either from Transunion.
Product: Credit reporting or other personal consumer reports

As per the Fair Credit Reporting Act ( 15 USC 1681 section 602 ( a ) ), it is emphasized that consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. XXXX, XXXX, and XXXX are such agencies, and I, as the Consumer, have the right to ensure that my private information is not shared, as supported by 15 USC 6801. This law states that each financial institution, including 1st Franklin Financial, has a duty to uphold customer privacy and protect their nonpublic personal information. 

According to 15 USC 1681 section 604 ( a ) ( 2 ), a consumer reporting agency can only provide a consumer report with the explicit written instructions of the consumer concerned. None of the mentioned financial institutions or reporting agencies have my consent to furnish this information, verbal, non-verbal, written, implied, or otherwise. All previous forms of consent are hereby revoked.

Under 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to opt out. However, 1st Franklin Financial has not informed me of this right.

Furthermore, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in a consumer report without authorization, especially information that predates the report by more than seven years. This account is adverse and is being reported without my permission, violating the law.

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ), no one should furnish inaccurate consumer information to a reporting agency. XXXX, XXXX, and XXXX are not maintaining reasonable procedures to avoid violations of consumer reporting laws. Additionally, 12 CFR 1016.7 allows consumers to opt out of reporting services at any timeI am exercising this right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my credit report that do not belong to me. Please remove them from my credit report immediately!
Product: Credit reporting or other personal consumer reports

American Express Account Date : XX/XX/2020 The American Express account was opened with my name not as an account holder, but as an authorized user. I had no acknowledgment my name was used to open the account. The account is still active today. I found the information on my XXXX report almost XXXX months ago. I had a dispute last month. As of today with XXXX, I have open a fraudulent investigation to resolve this matter. I would like to have the information removed.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX XXXX XXXX Sunday, XX/XX/XXXXXXXX  Federal Trade Commission Consumer Response Center XXXX XXXX XXXX , XXXX XXXX , DC XXXX Re : Incorrect Listing of XXXX  XXXX Bankruptcy on Credit Report Dear Sir/Madam , I am writing to formally request the removal of an inaccurate XXXX  XXXX Bankruptcy listing from my credit report. 

According to my personal records and as confirmed by the USBK Court XXXX California, my bankruptcy was dismissed in XXXX of XXXX. Here are the relevant details of the court : USBK Court XXXX California XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Upon realizing the complications of my financial situation, I consulted my legal representative and decided not to proceed with the bankruptcy. He subsequently dismissed the filing, for which I was billed. However, to my surprise, this bankruptcy still reflects on my credit report, even after its dismissal over five years ago. 

The implications of this error are significant. Im XXXX XXXX XXXX XXXX and just recently, while trying to secure rental accommodations alongside my son, I became keenly aware of how this incorrect listing is hampering my ability to secure credit at reasonable terms. It is adversely affecting my credit score, undermining my financial reputation, and creating undue challenges in my personal and professional endeavors. 

I kindly request your assistance in investigating and rectifying this matter as a matter of urgency. I am more than willing to provide any documentation or additional information you may need to expedite the process. The correction of this error is paramount to ensuring the accuracy and fairness of my credit report, which is integral to many aspects of my life. 

I look forward to a prompt resolution of this matter and thank you in advance for your attention to this serious issue. 

Please feel free to contact me at XXXX should you need further information. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

removal of this account from my credit profile. please see the attached letter.
Product: Checking or savings account

On XX/XX/2024 I called customer service to open a merchant dispute for merchandize not received, and the claim was open under the case ID XXXX. 
A couple of days ago I received the letter from the bank with the information about the case and I could notice that not all the transactions were added. 
I called customer service today XX/XX/2024 and the representative couldnt verify me so I was requested to send a notarized document. 
I told her Im XXXX XXXX XXXX, I dont live in the XXXX so a notarization is impossible to do it XXXX, also doesnt make sense if 3 weeks ago I opened the dispute through the same customer service and they verified me without any problems. 
If the customer is XXXX XXXX  means that doesnt have SSN, also without any public records on the US and also doesnt have a direct deposit. 
She could ask me any transaction on my account, send me a passcode by text or voice call to my USA phone number, emails address or push notification, also could ask where and when I opened my account or any personal information. 

Please add these XXXX transactions from the same merchant to the claim or open a new one : Posted dates on my XXXX XXXX XX/XX/2024 {$79000.00} XX/XX/2024 {$89000.00} XX/XX/2024 {$89000.00} 1 Ipad air and 2 Ipad pro, the expected delivery date given was XX/XX/2024. 
The seller didnt have the stock of items at the store so they will send it from their warehouse to my home. 
I treid to reach them several times to ask about the shipment information, tracking number or delivery confirmation without success. 
I wasnt abble to go in person to the store because Im in a business trip for 3 months. 

Please proceed with the chargeback requested for merchandize not received.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681 accounts shall report accurately and the attach documents prove these accounts with the account numbers should be removed immediately from all three credit bureaus. These accounts are hindering me and my family from moving forward in life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Case number XXXX made buy XXXX XXXX number XXXX The date of the origin of this keeps changing and now experion is trying to justify why they are Desperately trying to connect this mortgage to anything desperately trying to connect this mortgage to else. 
I just wan na this reason to be removed because its reason have been repeatedly been used as the reason why every point i received to be removed For the last 10 months. This is why Im stuck at XXXX. Just like XX/XX/2019 my score got up to XXXX then on XX/XX/2019 my score went back to XXXX with no change to my file. The United States government should find them for this. This is EXPERIONs Doing. 
Look at this. experion says the update once a month But my file got updated XX/XX/2019 XX/XX/2019 XX/XX/2019. XXXX has no explanation for why this happened they just say XXXX did it and I called the BS they tried to say the bank update 3 times in XXXX month. I said look XXXX you have been caught red-handed. Just on my file alone. They can see that they are being hacked but wont do anything about it. But if they are not being hacked the government need to find them XXXX
Product: Debt collection

On XX/XX/20 I received a notification from my XXXX XXXX account that a collection was added to my XXXX file. The collection agency is ALDOUS AND ASSOCIATES. The original creditor was XXXX XXXX XXXX. 

I have been a member of XXXX XXXX since they first opened their facility in XXXX XXXX XXXX over two years ago. I have an auto-payment set up so my account is charged and pays the XXXX XXXX monthly fee. I have never missed a payment. I have been using the gym consistently by scanning my membership ID every single time I enter the facility, and have had no issues with my membership not allowing me access to the gym. 

I have received zero communications from XXXX XXXX that my account is overdue ; no emails, no letters, no texts. I have received zero communications from Aldous and Associates that my account was sent to them for collections until I got the notification that my XXXX file was impacted. 

My credit score has now dropped XXXX points over this XXXX claim that I owe money to the gym, and has serious impact on me now that I am in the process of trying to buy a home. 

Please advise on next steps, and let me know if you require any additional documentation ( not that I have any to share as neither company has reached out regarding any overdue balances ). 

Thank you.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX XXXX, XXXX DESTINY, CAPITAL XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX, XXXX, PROF XXXX CO, XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit card

I recently reviewed my credit report and noticed several inquiries that I did not authorize. The companies listed below accessed my credit report without my knowledge or consent : TransUnion report number XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I believe these inquiries were made without a legally permissible purpose under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

I have contacted the credit reporting agency to dispute these inquiries and request their removal from my credit report. However, I would like these companies to explain why they accessed my credit file without my consent. If no valid reason exists, I request that they immediately cease any further unauthorized access and cooperate with the credit reporting agency to have these inquiries removed. 

This unauthorized activity negatively impacts my credit profile and raises concerns about the security of my personal information. Please investigate this matter and provide a resolution as soon as possible. 

Thank you for your assistance.
Product: Mortgage

About XXXX months ago, my mortgage processing company started removing the balance amount of my mortgage loan. I called a month ago and was told this would be corrected but it was not. The monthly statements do not provide the remaining loan balance. Company is Bayview Loan Servicing , LLC, XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX
Product: Debt collection

I have sent 3 certified letters to this collection agency. Two have been sent back because the United States Postal Service labeled this business VACANT. One certified letter was received XX/XX/2023. I asked Requested a Debt Validation Letter and the Original Purchase Agreement. I requested the charge off date, last payment date, last transaction date and judgment date. I BELIEVE THIS COMPANY CAN'T VERIFY THIS INFORMATION AND I BELIEVE THIS IS OLDER THAN 7 YEARS. It is a violation of the FDCPA for a debt collector to refuse to send a Validation Notice or Fail to Respond to a Verification Letter. I BELIEVE THIS COMPANY IS A BAD ACTOR!