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

transunion XXXX  XXXX showing late payments XXXX  times XXXX XXXX XXXX XXXX in XXXX not accurate XXXX  XXXX showing late payments XXXX  times XXXX XXXX XXXX XXXX  showing late payment XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I and XXXX XXXX  have sent numerous letters to Transunion showing that the account that they allegedly claim that I had with XXXX XXXX XXXX XXXX was been reported inaccurately. We have asked them to delete XXXX XXXX XXXX XXXX from my credit report and they have failed to do so as the information been reported on my credit report as it pertains to XXXX XXXX XXXX XXXX is inaccurate. I then exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( III ) and I requested there method of verification and they have failed to provide me with this. The law states that the credit bureau should ensure that the consumer gets a copy of the method of verification within 15 days after they got the request for it. According to the United States postal service Transunion got my request on XX/XX/2021. It has been more than 15 days and Transunion has not responded. It is illegal for a questionable item to be on my credit report and I asked the credit bureau for proof that this is reporting accurately on my credit report and they have failed, cant or wont provide this proof and this is a case of severe injustice for me. CFPB I am asking you to instruct Transunion to delete XXXX XXXX XXXX XXXX from my TRANSUNION CREDIT REPORT IMMEDIATELY. I am going to attaching with this complaint a copy of the notarized letter that I sent to Transunion and a copy of the certified receipt from the United States Postal Service.
Product: Checking or savings account

On XX/XX/XXXX funds were deposited into my account, I made an attempt to withdraw the funds via XXXX to make a rent payment and notice that my XXXX amount was only {$500.00} so I tried to withdraw the funds and was not able to do so, I tried to withdraw {$1600.00} from my account twice and I was not able to do so, so I lowered the amount to {$1000.00} and realized my limit was the XXXX, I took the XXXX and tried to take then XXXX {$500.00} and receive notice my account was blocked, I immediately called the number provided, I was not able to get through I tried calling the next morning which was a Saturday, I was advised a block was on my account for fraud and I would need to call back on Monday, on Monday when I called back I was told I needed to wait until a letter was sent out so that the account could be verified and that could take XXXX business days but the letter was mailed XXXX which was a Sunday, I called back a few days in between to only be told by a manager XXXX that the letter was mailed out XX/XX/XXXX, and there was mothing they could do to help me, I couldn't go into a branch to be verified, they couldn't use my telephone number to verify me there was noting that could be done i needed to wait on this letter, i called back XX/XX/XXXX spoke with XXXX and he told me the same thing as XXXX he also was supervisor, I waited and called back XXXX spoke with a gentleman name XXXX who advised me we were at day XXXX and to try back as of XXXX as i still had not received this letter from the bank with this refenced code, he said call back and they would try to verify me another way, day XXXX come I still have not receive the letter i am two pay periods in and no access to my funds, my rent is late my cellphone is disconnected I have no liquid asset at this point, I called back and speaks with a manager now he says they try can verify me through my telephone number, that is now disconnected, to only tell me at the end of the call I had to wait for this letter that still as of XXXX as not arrived to home address, that they will not verify if they have correct, and also they will not verify what telephone number they claim they attempted to call during this entire process, but never had a missed call nor voicemail and here it is that I am about to be paid again and have no access to payroll funds, I have never seen anything like this in all of XXXX  years of living, and I find this very sad and disheartening, I am late on my rent, my cellphone is disconnected and I am behind on bills and I need someone that can address this matter quickly, I hope this email lands in the correct hands and this never happens to another consumer Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  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, 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: Payday loan, title loan, personal loan, or advance loan

I strongly believe that I am a victim of predatory lending and unfair lending practices. In XXXX of XXXX I received a mailer from BHG. Upon contacting them, I was told that they make business loans to medical professionals such as I am an XXXX XXXX. I was told that the loan would not show up on my credit report. I was told that the loan would be made to me as XXXX XXXX XXXX doing business as XXXX XXXX XXXX, XXXX. Everything was done online and over the phone. I was also issued a credit card. The payments were made via direct payments drafted automatically from my checking account. Unfortunately, I can not access the documents any longer because the dousign has expired so I can't tell you what the loan amount or interest rate was. I think the loan was for $ XXXX? I was able to monitor my payments and see my loan via the company 's app. 

While I was making payments, I was contacted by someone from BHG and told that I qualify for additional funding. I found this to be very confusing as my financial situation had not changed and I was assured that I received maximum funding with the first loan. I was encouraged to apply and received a second loan. I believe the amount was around $ XXXX. 

I am not certain of the date but sometime after receiving the second loan the company 's app went down. I called and was told that it was being worked on. I was very concerned that I could no longer monitor or have access to my account. I was told over the phone that I could just call anytime. I asked can I receive a monthly statement. I was told no, just check back from time to time and see of the website/app is back online. I find it very deceptive that I could not monitor my loans and could not receive monthly statements. One would think that not giving a consumer access to a monthly statement criminal and fraudulent. 

I had an accident in XX/XX/XXXX and have not worked since. Recently, I missed a payment on one of the loans. When I was contacted by BHG, I explained that I was not working and offered to send them my XXXX letter from my doctor. I asked if both loan payments could be suspended. I was told no. I was told that only the one that I missed a payment on could be eligible for a potential modification. I explained that only modifying one of the loans would not help me as I need both of the payments suspended. I asked that the second loan payment not be drafted from my checking account at the beginning of XX/XX/XXXX. I was told that the payment would be drafted from my checking account as planned. I I sincerely hope that the CFPB can assist me in getting this matter resolved as I have been taken advantage of via predatory lending and unfair lending practices by not allowing or giving me a monthly statement.
Product: Bank account or service

I have a checking account with Wells Fargo Bank and my bank account was assessed by the NC Dept of Revenue for XX/XX/2014 taxes. I worked out a payment plan with the NC Dept of Revenue for $ XXXX/month and I was waiting for the remainder of my money to be credited back to my account to find out Wells Fargo charges a {$120.00} fee when your account has a lien or hold placed against it. This is grossly unfair because all I had in the account was {$120.00} and now my account is - {$4.00} in the negative. I 'm between jobs and struggling financially and have asked can they credit it back to my account and they 're telling me it 's their policy. This is a grossly unfair policy.
Product: Vehicle loan or lease

I was mislead by the debt that occurred in this consumer transaction. My consumer protection rights were violated by Santander when Santander approved me for an auto loan knowing I would have a high probability of defaulting on that loan. I defaulted on that loan within the first 3 months of having the car. Twice within a year. My second time defaulting on the loan, I reached out to Santander on XX/XX/2022. Santander stated I had to pay the full auto loan balance of XXXX XXXX XXXX  in order to receive my consumer goods. Santander stated if I did not remit payment of XXXX XXXX dollars my vehicle would be sold. This loan was a high level risk and Santander only required proof of insurance from XXXX dealership to approve of my auto loan. I have proof from XXXX that shows each lender that approved my application. The other lenders such as XXXX required proof of income, proof of residence, proof of bank statements etc. While Santander only requirement for auto loan approval was documentation of car insurance. I provided this documentation to XXXX, and a XXXX XXXX dollar down payment and was approved for my vehicle. This documentation shows Santanders subprime unfair and deceptive auto lending practices violating protected consumer rights. 
Santander should provide me with Loan forgiveness and the title to my vehicle, along with my vehicle being released. This would be the only fair resolution due to the XXXX  anguish this situation has caused me, and the lost of income due to me not having a vehicle. My family is now struggling to keep a roof over our heads because of this.
Product: Credit reporting

I have sent several requests to Equifax to provide me with the documents that their company has on file that were used to verify the accounts I 've disputed. It 's been a few months and they have not been able to verify these accounts. As a result, per the FCRA, section 611 ( 5 ) ( A ), they are required to " promptly delete all items which can not be verified from the file of the consumer. '' Please help me resolve this issue.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or amend the following inaccurate items in my report : 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
Product: Credit reporting

I requested TransUnion to investigate th following addresses as not mines : and Tranunion refused to do so. 
I sent a copy of my FL State Driver 's License and my FL State Concealed Arm permit SSN : XXXX DateofBirth : XXXX/XXXX/XXXX NamesReported : 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 AddressesReported : I also requested that the below telephone number be deleted as not mines : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Again Transunion refused to investigate and/or delete the above telephone numbers. 
The FCRA mandates that ALL credit information in a consumer 's credit file being reported by a CRA to be accurate.
Product: Debt collection

This is the e-mail that I received, I want to know if this is legit -- Original Creditor : Advance America ( Cash Advance ) Subject : Unpaid debt of Advance AmericaFile Number : XXXX : $ XXXX ClientWe regret to inform you that due to your unpaid debt amount of {$570.00} to Advance America ( Cash Advance ) from today we have passed your case to court. You are now to be contacted by official court attorneys, who will notify you of the hearing date. Therefore you will be served a subpoena to appear at court where you can present your defense. 


We still have not received any payment or answer from you. Therefore, we regret to inform you that if we do not obtain the payment of {$570.00} in full before end of the day, we will have no other alternatives but to undertake court actions against you so before something goes wrong I thought that I shall call you and notify you about this matter. But as I was not able to reach you so I am sending you a final notification EmailAs we put your Social Security Number into our National Checking Database System we found that you have been never charged for a fraud activity & that 's the reason we have decided to give you chance to take care of this issue outside the Court without having a negative report on your Credit History and Social Security Number. 


We would advise to treat this matter with urgency and we believe you will not ignore this final reminder. To save yourself the inconvenience of court actions, we kindly suggest settling the total amount of debt and additional costs as soon as possible. 


We still trust court actions will not be necessary and look forward to receiving payment by return. 


If you wish to settle the outstanding amount or if you have any questions regarding the current situation please do not hesitate to send us an XXXXXXXXXXXX are sure the problem will be solved soon, as we have no doubt in your cooperation. Federal law requires us to notify you that this is a communication from a debt recovery corporation. This is an attempt to collect a debt. Any information obtained will be used for thatYours faithfully, Department of Cash advance America
Product: Debt collection

XX/XX/XXXX Bank of America transferred my title to XXXX XXXX by fraud upon the court. Racketeering, forgery, false affidavits, mail fraud, wire fraud, FALSE PROOF OF CLAIM, EXTORTION TO PAY OR SEIZE MY PROPERTY. A {$130000.00} refinance was grossly inflated to {$430000.00} debt filed in the Federal bankruptcy court seeking relief to go back to the State court for eviction. They took away my homestead exemption since XX/XX/XXXX. I AM NOT IN DEFAULT BY PROVSION 4. THE DEBTORS RIGHT TO PAY OFF THE LOAN IN FULL. 8 years litigation (XX/XX/XXXX -XX/XX/XXXX ) instead of fixing errors. QWR never fixed. {$54000.00} in illegal kickbacks added to my debt. Countrywide was a scam not a mortgage loan. We all know it. I demand my property returned and my title restored. The certificate of title was fabricated as well. No legal chain of title. No bank will finance this property FACT. TEXAS NOTARY XXXX XXXX XXXX was a willing participant with the XXXX XXXX XXXX XXXX IN XXXX - RE FILING inXX/XX/XXXX-XX/XX/XXXX the same documents to steal my property thaXXXX XXXX XXXX XXXX fabricated. So, is racketeering legal if you work for BANK OF AMERICA - is forgery legal??? No justice in 8 years. WHO PROSECUTES, WHO INVESTIGATES?? PRIVATE auctions are held to cash only investors and foreign investors Why? Because no bank will finance title fraud. Not one investor bid on my property because of the title damage. 5 law firms are guilty of civil theft aiding Bank of America XXXX and a XXXX XXXX XXXX   ( 1 ) this is a felonious intent with malicious harm to evict with no legal standing. XXXX XXXX  was sent 2 certified letters to resolve and took no action for pay off. I am not in default, I can afford a mortgage, but not extortion. I want an investigation and my property returned, title fixed, homestead restored.The government needs to be transparent and I request full disclosure under the freedom of information act - why has no one has taken legal action of crimes of property theft in FLORIDA. Why is an XXXX XXXX   over the age of XXXX constitutionally mandated to retire working full time at age XXXX?? violating constitutional law and aiding Bank of America to steal my property?? I want an investigation that has been swept under the rug for 8 years. Sincerely, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Transunion are reporting inaccurate and outdated information. All of the scores are very low and outdated. Per 15 USC 1681 ( s-2 ) a person shall not furnish information relating to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices that specific information is inaccurate information is in fact inaccurate under 15 USC 1681n Civil liability for willful noncompliance. XXXX, XXXX, Transunion has willfully reported inaccurate information that has caused tremendous amount of damage to my credit report and score. I have disputed all of the inaccurate information and the companies never did a complete and accurate investigation. 
There were 16 different name variations and also 19 different phone numbers, 3 different variations of my social security number as well. Also per 15 USC 1681b, there was no permissible purpose given for them to obtain any information about me for any credit. 15 USC 6802 states that a financial institution may not disclose any nonpublic personal information unless such financial institute has provided to the consumer a notice that complies with section 15 USC 6803 of this title. The inquires soft & hard, shows that this law has been violated as per CFR 313 Privacy Of Consumer Financial Information. All of the closed accounts and accounts in collection are paid accounts that are inactive on my credit report. these accounts are paid and the original creditor has settle the debt and the collection company has bought these accounts pennies on the dollar and are trying to collect on them. These are considered income, and are not suppose to be reported per CFR 313. Also per The Family Education and Privacy Act of 1974 educational and financial information is being reported by all 3 bureaus which violates my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Navy Federal Credit Union, started reporting late payments XXXX. Amount {$6100.00}, " 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 consumer 's 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. '' ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) 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, ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) 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 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX 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. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

no data for XXXX thru XXXXWhat happen between XXXX and XXXX