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

In accord to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that consumer reporting agencies excise their grave responsibilities with fairness, impartiality, and a respect to consumers right to privacy ''. XXXX, Equifax and, XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my PRIVATE information isnt shared without my written consent which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has a affirmative and continuing obligation to respect the privacy of it's customers and protect the security and confidentiality of those customers nonpublic personal information '' ( Furnisher of information to Credit Agencies ) is a financial institution by definition under the title. 15 USC 1681 section 604a states that " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer credit report under the following circumstances and no other : in accordance with the WRITTEN INSTRUCTION OF THE CONSUMER TO WHOM IT RELATES ''. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, Equifax and, XXXX ( Furnishers of information to credit agencies ) weather 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 ''. ( Furnishers of information to Credit Reporting Agencies ) NEVER informed me of MY RIGHT to exercise my NONDISCLOSURE OPTION, not only that under 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, other than records of conviction of crimes which antedates the report by more than seven years ''. This accounts is an adverse item they are reporting again without my permission which is against the LAW. 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 USC 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 purpose listed under section 1681b of this title ''. XXXX, Equifax and, XXXX are not maintaining reasonable procedures. Also 12 C.F.R. 1016.7 states that " A consumer may exercise the right to opt out at anytime ''. Also reporting credit transaction history is Illegal under 15 U.S. Code 1666b ( Timing of payments )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint today against Experian directly. Additionally, please note that I have just submitted complaint # XXXX regarding a different account which too has incorrect information. That issue had a potential work-around ; however, Experian has been re-aging the dates and statuses on a charged off account I have with XXXX. As stated in my previous complaint, Ive been trying to get pre-approved to purchase a new home here in Florida. Per the suggestion and guidance of my loan officer, I had reached out to settle this debt through XXXX. Once completed, my lender ordered a rapid re-score to update the XXXX account as balance settled for less than full amount. What my lender didnt catch from my credit report that was pulled in XXXX was the date Experian had this account listed as being closed and charged off. Attached is a letter dated back from XX/XX/XXXX indicating this account was closed as of XX/XX/XXXX ; however, on XX/XX/XXXX the credit report from my lender stated the account was charged off and closed in XXXX XXXX. Additionally, when he ordered the re-score on the settlement, Experian had the account reported still with a XXXX charged off date and a new closed date. The closed date should not have changed. I reviewed history on my Experian account online to see if there was any sense that I could make of these dates. The oldest report that I had access to was from XX/XX/XXXX. It showed the status as being closed in XX/XX/XXXX through my Experian report dated XX/XX/XXXX. On my report dated XX/XX/XXXX, the closed date changed again to XX/XX/XXXX. At this point, my account was about to be charged off. On my XX/XX/XXXX Experian report, the account was reflecting as being charged off and the closed date appears to have changed yet again to XX/XX/XXXX and then back to XX/XX/XXXX on my XX/XX/XXXX Experian report. This changed back and forth monthly an additional eight times, either XXXX or XXXX from XX/XX/XXXX through XX/XX/XXXX where the final close date reported was XX/XX/XXXX. Then on my XX/XX/XXXX report, the new closed date became XX/XX/XXXX and on both my Experian credit report and the credit report pulled by my loan officer the closed day was reporting the previously mentioned XX/XX/XXXX date. Again, my credit was pulled XX/XX/XXXX since I had completed the items requested by my lender. Here, the new closed date was XX/XX/XXXX and still had a charged off date showing XX/XX/XXXX. As mentioned in my attached previous complaint, the dates that have been irresponsibly and habitually changed has halted any further ability to move forward since this matter will not allow me to qualify for a manual underwrite.
Product: Credit reporting, credit repair services, or other personal consumer reports

if these accounts are for collection and collection is by default late, by default past due, number 3 both of them is a violation of FCRA- if its a collection, they should not say charge off. because a collection should not be late nor have a past due. Delete this error.. XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis nexis said they verified that I with a supposed clerk of court that a name matching mine filed a bankruptcy with the clerk of court. I expressed to the rep this is in no way true. It is my understanding that the county clerk is not allowed to give my information to a third party anyways so even if I did how would they know accurately to verify any of this.
Product: Debt collection

Monday, XX/XX/2019. I received a call from a 'subrogation representative ' at XXXX XXXX PST , saying that I owe money ( XXXX $ ) for an accident that someone else was involved in, driving a car I no longer own. 
The company is called Thomas George Associates. 
He claimed that I can have my driver 's license taken by the state for failure to comply ( pay ) even though I was not an involved party. 
I asked if he was a bill collector and he denied this saying that he is a subrogation officer. To which, I repeated my question. 
I then requested the claim in writing, so that I can understand. 
The tactic of denying that he was a bill collector and pretending to work directly for the insurance company allowed him to call me before XXXX XXXX. The threat that I could lose my license because of their actions seems out of bounds as well. 
As of today, I did receive the notice of right to dispute, so, I think things are back on track. However, I felt like this was a violation of my rights of communications to collect a debt and wanted to voice that. 
The officer claimed that on XX/XX/XXXX an accident occurred in a vehicle owned by me. I have documents attached showing that I sold the vehicle in XX/XX/XXXX.
Product: Debt collection

I, XXXX XXXX am writing to formally demand that Lviv Funding LLC immediately cease and desist from engaging in unlawful practices that violate the Gramm-Leach-Bliley Act ( " GLBA '' ), specifically 15 U.S.C. 6801 and 15 U.S.C. 6802, regarding the protection of nonpublic personal information. 
It has come to my attention that Lviv Funding LLC has engaged in the following actions that appear to be in direct violation of these provisions : 1. Unauthorized Disclosure of Personal Financial Information : Lviv Funding LLC has shared or disclosed nonpublic personal information without providing individuals with the required notice or the opportunity to opt-out, as required under 15 U.S.C. 6802. This includes sharing personal data with non-affiliated third parties for purposes other than the transactions for which it was originally provided. 
2. Failure to Implement Proper Safeguards : Lviv Funding LLC has not taken adequate steps to safeguard the confidentiality and security of personal financial information as mandated under 15 U.S.C. 6801. These deficiencies expose consumers to the risk of identity theft and fraud.

This letter serves as a formal demand for the immediate cessation of these unlawful activities and for full compliance with the privacy provisions under the Gramm-Leach-Bliley Act.

Specifically, I demand that you : 1. Cease the sharing of nonpublic personal information with non-affiliated third parties unless explicitly authorized by the individual consumer or required by law.

2. Provide a clear mechanism for opt-out for all consumers whose information has been shared without their consent, as required under 15 U.S.C. 6802.

3. Immediately implement necessary safeguards to protect all nonpublic personal information in your possession, ensuring full compliance with 15 U.S.C. 6801.

4. Provide written confirmation within [ XXXX  days ] that Lviv Funding LLC has ceased all unlawful activities and is fully compliant with the provisions of the GLBA. 
Failure to comply with these demands within [ insert number of days, typically 15 to 30 days ] will result in further legal action, including but not limited to the filing of a formal complaint with the appropriate regulatory agencies, such as the Federal Trade Commission ( FTC ), and pursuing civil litigation for damages and injunctive relief.

Please consider this letter a final warning. If these practices do not cease, I will be left with no choice but to pursue all available legal remedies under federal and state law. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Company neglected to answer all questions in original complaint. Company has violated my rights
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of XXXX XXXX. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX  XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an XXXX XXXX report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$750.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$260.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing XXXX XXXX XXXX on my credit reports since XXXX. Each time I dispute them with Transunion, XXXX, and XXXX, they send me results that say verified. XXXX sent me results that said contact the company ( see dispute results ) and that has not done me any good in the past 2 years. As you can see that the date of status before and after says XX/XX/XXXX. In the account history on both accounts on XXXX. And under the comment section on XXXX, It shows that I have been disputing since XX/XX/XXXX. Nothing has been updated ever. Under both accounts, the Account History on XXXX, the DBR ( Date Payment received ), says XX/XX/XXXX At the bottom it shows the original amount as {$1200.00}, and the other account {$1000.00}. I have never received anything from this company before they reported this to my credit report. I don't even know the company XXXX XXXX. I have tried speaking with XXXX XXXX and they keep saying that the debt is mine and have not sent me paperwork on this debt that isn't mine. On my credit report from XXXX ( see attached ), they claim that I made payments to them on XX/XX/XXXX, in the amounts of {$120.00} and {$61.00}, and I have never sent them anything. If they reported the account in XX/XX/XXXX, how can they report a false payment on XX/XX/XXXX? Both account numbers are the same on XXXX, and it shows that I have payments of {$120.00} and {$61.00}. However, on XXXX in the account 's history, the SPA and AAP ( Scheduled payment amount and actual amount paid ) say no amount. The remarks say Placed for Collection but they are a collection agency. Payment status says in a collection as well. My Transunion is the same as well. ( see attached ) I also have attached my FICO credit report so you can see the accounts. They don't have any account numbers.
Product: Debt collection

asset acceptance llc had a police officer come to my house to take my vehicle or pay $ XXXX.for a dept that was from 2001, they said it was for a XXXX, i then told the officer i had the money and to contact asset acceptance to make sure this was all i owed, asset acceptance said there were XXXX case numbers but if i paid the full amount $ XXXX.that would take care of both case numbers.two weeks later i recieved satisfied judgements for both case numbers just like they said.well a couple of months later i recieved a notice that they made a error and that XXXX satisfied judgement was no good.they never answer my questions about what dept is owed on each case number, ive had an attorney write a letter asking for varifacation of dept with no responce.please help ... ..they are still taking my state income tax.
Product: Payday loan, title loan, or personal loan

I returned the product the loan was for, a mattress. XXXX was supposed to communicate that to Affirm, the lender. XXXX has not done so despite a number of calls, emails, and social media messages. I returned the product a month ago but am still getting charged.
Product: Debt collection

This morning I was alerted by my credit monitoring service that XXXX XXXX was added to my XXXX report. 


I have no knowledge of this company, My address is registered with the local post office and the IRS. 
Theyve not mailed any notices, alleging any debt owed, they just simply abused the loopholes they have and added this account on my credit report because they know this is the time of year when people typically have more money and are more uneducated to pay. 

I am fully aware of my rights under the FCRA and XXXX XXXX is operating unethically
Product: Vehicle loan or lease

I was prequalified for an auto loan through Chase to purchase a car from XXXX auto sales with a loan amount of XXXX for 60 months with a payment of XXXX and 14.35 % interest. When I went to the dealer and advised them of the pre approval they told me they needed to submit all the information to Chase so they could reconcile the loan information, turns out they were submitting a brand new application which in fact negatively impacted me as it was a higher interest rate and higher amount of payments. This is a deceptive and unfair practice that adversely impacts customers and should be rectified.
Product: Credit card or prepaid card

I would like to lodge a complaint against Truist Bank regarding the annual fee charged on my credit card. I was charged this annual fee XX/XX/XXXX, with a memo stating the fee was for XX/XX/XXXX through XX/XX/XXXX. Then on XX/XX/XXXX, I was charged this annual fee again, 3 and a half months early. When I contacted Truist on XX/XX/XXXX, I was informed that annual fees are sometimes charged " a little early ''. While I could understand two weeks being a little early, I think that 3 and a half months early is outside a reasonable expectation of " a little early '' for an annual fee, which is usually every 12 months. That's more than 25 % early! Continuing on that fee schedule, Truist will charge me an entire extra annual fee after just four years ( collecting 5 annual fees in four years, one every 9 months ). This is effectively a 25 % increase in the annual fee, without notice. I am not familiar with all of the details of the regulations, but you would think 3.5 months would exceed what would be considered reasonable for when an annual fee could be charged " a little early ''. I asked Truist to prorate the latest annual fee, and they refused, stating they could only waive the fee and cancel my account, which is not what I want to do, considering the impact it would have on my credit score to close the account. 

Can you help me understand if, and why, this is ok for Truist to do? Is there any other recourse available?
Product: Credit card or prepaid card

I made the purchase on XX/XX/2022 at XXXX XXXX XXXX through Fortiva. For every month I have paid either the minimum amount of {$60.00} or some months even up to {$80.00} on the XXXX ( due date ), but they have charged me a late fee os {$41.00} every time because the payment was made after XXXX. I read the clause and there is no place where it says payment should be made before XXXX, it says it should be made on the due date on a timely manner. It does not specify time. Now they are refusing to do anything about it, even after I paid them every month.
Product: Vehicle loan or lease

I had made a series of calls to capital one about how they can not deny me an extension f my own credit. I still have the audio recording f two conversation that I had with capital one since XX/XX/22. This was the first date of pre qualification. on their website. They had initially told me that they had gotten me a pre approval fro XXXX I have a screenshot of it. once I got to the dealership, I told im not putting any money down because according to 15 USC 1605 - determination of a finance charge down payments are illegal. the representative on the phone told me that down payments are not illegal, although I had just finished telling her exactly where to find the codes, and exactly what codes her company ( capital one ) was violating. 
I went to the dealership and gave them bank statements and also gave them a credit application ( which according to the bills of exchange act, and also regulation z of the truth in lending act my social security number is an open end credit card ) I explained to capital one how they had a judiciary obligation to me because they had now become my trustee 's in this consumer credit transaction ( made mention of the Common law court case XXXX XXXX XXXX ) the representative from the presidents office disregarded everything I said and proceeded to state as if had said nothing about the United States federal laws and how they had to follow them, she simply said as far as I see it capital one is in compliance with all federal and state regulations. Since she was not planning on listening to me or anything that I had to say, the phone call promptly ended. the last time that I called capital one was on XX/XX/22. 
I made mention of the consumer credit transaction and how I was the originally creditor and how I was extending my credit to them. 
I asked her for clarity on how I was approved and then I wasn't able to take the car that I wanted out, she was unable to answer any of those questions. 
they people in the dealership, 15 USC 1681 - adverse action can not deny me an extension of my own credit, I made her aware of the she continued to redirect me to lawyer, I had been pre qualified and I was physically in the dealership and they general manger was telling me I could have walked out of the dealership the day with a vehicle but not the vehicle that I wanted.

the representative gave me the run around 15 USC 1611- knowing and willing give me inaccurate information was another code that I told her and she said that capital one was not in violation of any laws, the representative from the presidents office, even after I had made them aware of the fact that this is basically a discriminatory practice and fraud because credit is my right, as the original creditor/consumer. 
she proceeded to tell me it is not against the law to require a down payment, even after I made mention of the United States codes that capital one was in violation of. 
this was after being redirected all the way to the presidents office and creating a case and playing phone tag with capital one for a little over XXXX weeks now. 
she mentioned a equal credit opportunity company.
Product: Student loan

Hello, I dont believe my payments and interest are being calculated correctly. For example. My interest charged between all loans is approximately XXXX per month. This past month, the interest charged seems to be around {$400.00}. On top of that, my interest went from an accrual of {$560.00} to over {$600.00} in the past few days WHILE my account is in FORBEARANCE, and the additional {$30.00} seems to be randomly charged. My balance and interest seem to inconsistent with any amortization schedule, leading me to feel like theres a lack of transparency with how my payments are being allocated. Id also like to know why I wasnt notified of my account being placed in forbearance. Please review my account to check for payment and interest inaccuracies. 

Thank you, XXXX
Product: Checking or savings account

Someone took my {$500.00} from my checking account using my lost debit card at an ATM on XXXX first. I have tried at least 3 times to fight chime about this {$500.00} I did not make. I am a XXXX person and that is part of my social security money and I made a police report online too they just denied it again today
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I wrote a letter to all three bureaus, asking them to investigate mistakes on my credit report. To date, only XXXX XXXX has responded. I still haven't received anything from Equifax or XXXX, despite writing 2 follow-up letters.
Product: Debt collection

I dont recognized that debt with recovery collection. Dont know even what or from who it is and its Florida no communication nor debt in florida XXXX Erase that dont mine
Product: Credit reporting or other personal consumer reports

My account with those creditors was never late! I have had exceptional payment history witH XXXX  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 those account 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 XXXX  days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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