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

Cease & Desist : In accordance with the Fair Credit Reporting Act, this company has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer-reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

This complaint is due to the Consumer Credit Transaction with this companys financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) the term document means any information in any form. I demand this company CEASE and DESIST from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes, XXXX, XXXX, and XXXX. The Provisions of 15 USC 6801 ( a ) state, 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. 
Please be advised that I have not given this company the permission to share my nonpublic personal information. However, I ask this company that if there is a nondisclosure clause in the contract/agreement giving that option to share my nonpublic personal information I ask this company where I can opt out of their sharing of my nonpublic personal information. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that before such information is initially disclosed, to direct that such information not to be disclosed to such third party. 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that non-disclosure option. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, this company furnished my nonpublic personal information to nonaffiliated third parties ( i.e., XXXX, XXXX, and XXXX ). With that said, this company has not only infringed on my rights to privacy but also violated multiple federal laws. I with this request that this company removes the above-mentioned information from my consumer credit report. If they accept my request, I will not escalate this matter to a federal complaint. Thank you for your attention to this matter.
Product: Vehicle loan or lease

As per your response, this is a continued dispute as your response does not address the points stated as areas of contention. XXXX MAIN LETTER dated XX/XX/XXXX, has further caused more confusion and has resulted in another administrative error on Ally 's behalf. 
Furthermore, as per my conversation with XXXX, copy letter sent dated XX/XX/XXXX, sent to an unknown address to me. 

XXXX ) {$870.00} started additional fee accumulation from payment dated XX/XX/XXXX, for which Ally has stated " customer cancelled payment ', I have requested proof of this after confirming with XXXX XXXX, and it was confirmed that no such request was made by me, furthermore. I would like details regarding a request from me that I requested this payment to be returned. 

XXXX ) Payment history is illegible XXXX ) Harassment from billing XXXX, internationally and locally up to XXXX daily from all different numbers, this is not allowed and borderline abusive to this extent. 
After multiple requests of stopping these calls, yet again today on XX/XX/XXXX, I received a call from XXXX XXXXXX/XX/XXXXXXXX. 
XXXX ) Delays of response per request via phone /supervisor XXXX ) Many months were spent since XXXX to request reply from supervisor, approximately XXXX months ago I also requested Online Blog support to assist with rectification of this matter & this is when I finally got a reply as of XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX 

XXXX ) Mediation total amount paid per contract My dispute is regarding outstanding fees accrued from multiple incidents over the duration of this auto loan. I am requesting a refund of fees from XX/XX/XXXX fees accrued, the additional fees charged after towing vehicle once payment terms had been negotiated, paid and in current payment plan and also if there is a preposition to settlement amount of TRUE outstanding balance once I have received a ledger that is clear and legible.
Product: Payday loan, title loan, personal loan, or advance loan

Since XXXX of XXXX Lending Point has failed to pay my principal balance. When payments XXXX XXXX would submit a XXXX dollar payment the whole payment would be applied to the interest and none to the principal balance. XXXX was confused about how this could happen for over 2 years. When XXXX would submit large payments agents would call her and tell her that she did not submit a payment when she brought to the agents ' attention that she did submit large payments the agents never took the money and placed it in the principal balance. I would like lending point investigated because since XXXX I have been making large payments on my account on-time but the payments have been placed all towards the interest and not the principal balance.
Product: Debt collection

My Wife niece which is XXXX XXXX was going to the XXXX XXXXXXXX XXXX but needed a adult to sign a paper stating that she lived with me in the absence of her parents. 
Nothing was discussed with XXXX XXXX or the University about anything Financial or I will cosign any loan. 
I have discussed with XXXX about me not cosigning any loan for her. 
XXXX assured me the me signing any document have nothing to do with any school loan. 
To my surprise I got documents from creditors stating that I owed money for cosigning loan for XXXX which the document have a wrong Social Security on it. 
I have no idea who submitted that cosign document with any of my information but I assure you it's not me. 
XXXX assured me that I'm not responsible for any cosign loan and I never sign any document pertaining to loan. 
XXXX Rock Creek Captital Lender XXXX XXXX {$24000.00} Date of burrow XX/XX/2017 Loan amount {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXX, XXXX XXXX XXXX XXXX Account number:XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violates Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent or address fraud on their platform. Leaving my account vulnerable and unprotected. Further more, there dispute resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Mortgage

I am extremely upset of the way Wells Fargo has handle my loan. I am not able to make monthly payments to them anymore. Therefore I have summited XXXX letters requesting a settlement, this loan was taken out over 10 years ago, and I just can not make any monthly payments. I am willing to work directly with Wells Fargo however I feel they are just prolonging my case. I do not want to file bankruptcy because I will damage the little credit I still have. But if Wells Fargo is refusing to work with me and they dont want to work on a settlement offer, I will be forced to do so. I called today to get an update with my assign specilist XXXX XXXX. However ; once again there is no new updates. I am tired of the excuses I been given.
Product: Bank account or service

tion or Company : Wells FargoStreet : City : XXXXState : NCZip : Phone : Type of Account ( s ) : ( If you are unsure of the type of account ( s ), please contactyour financial institution for assistance. ) Deposit Account ( Checking, Savings ) _X_ Credit Card ___Loan Product ( Consumer, Mortgage, HomeEquity ) ___Asset Management ( TrustAccounts ) ___Consumer Leasing ___NonDeposit Account ( Investments ) ___Insurance ___ Other XXXX Print Complaint FormXXXX XXXX XXXXXXXXHave you tried to resolve your complaint with your financial institution orYESIf Yes, when? 
XXXX/XXXX/2015How? 
Phone, OtherHas the financial institution responded to your complaint? 
NOIf Yes, when? How? 
Contact Name : XXXX : call center XXXXCOMPLAINT INFORMATIONDescribe events in the order they ocurred, including any names, phone numbers, and a full description of the problem with the amount ( s ) and date ( s ) of anytransaction ( s ). Be as brief and complete as possible to make the explanation clear. 
Do not include personal or confidential information such as your socialsecurity, credit card, or bank accounts numbers. 
They have, for the 3rd month in a row, stolen {$14.00} from my business checkingaccount even though it is linked to a {$19000.00} credit line which waives the $ XXXXfee. Called their phone center 45 minutes got an XXXX who lied aboutwhere she was, refused to transfer me to a supervisor and said they wouldcall back still waiting for XXXX others to call back from Tuesday andWednesday. They claim they fixed the issue fully knowing that this is untrue. 
They think that I wo n't notice this charge and/or wo n't waste my time tryingto resolve. They are doing this to every small business and you need toinvestigate this fraudulent practice For me, I want a refund andcompensation for my time as well as seeking that you fine them for fraud!!! 
They are XXXX with me and charging me {$14.00} when my line of credit isover {$10000.00}. They have XXXX with me for the past 3 times and have LIEDsaying this has been corrected. MAKE THEM FIX THE ISSUE AND STOPATTEMPTING TO STEAL FROM ME. HOW DARE THEY BLATANTLYATTEMPT TO STEAL MONEY FROM ME AND, WHILE YOU ARE SUPPORTEDBY THEIR LOBBY, I EXPECT YOU TO SOMETHING ABOUT THESECROOKS!!! 
Please be advised that the issues described in this complaint will be shared with
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate collection account currently being reported on my credit file. I have no recollection of this alleged debt, and I can guarantee that you are falsely reporting incorrect information. This account is completely invalid, and I never signed any agreement with the agency in question. 

XXXX  XXXX  XXXX ( Original creditor : XXXXXXXXXXXX  ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent notification before that I am a victim of identity theft and this XXXX account which i did not authorize and is not mine is still reporting on my credit report
Product: Credit card or prepaid card

In XXXX and XX/XX/2023 I tried to make 2 payments on my PayPal credit account and they rejected both payments and told me I did not have the funds in my account to pay which was false information with bank statements for evidence. They tried to charge me a fee for a late payment and returned payment but ultimately waved these fees and then they closed my account and hurt my credit score with no explanation and no contact about this information. Now my account is closed with a balance and they gave no reason why.
Product: Credit reporting or other personal consumer reports

My data was leaked in a breach twice and my information was used to open accounts that personally did not open and have no knowledge of these accounts until it was put on my credit report in error. I would not pursue complaints or identity theft reports if these accounts were mine. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX This is the agency reporting the inaccurate and false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter of validation to Equifax XX/XX/XXXX asking them to validate the debt from XXXX XXXX XXXX   XXXX and between XX/XX/XXXX and XX/XX/XXXX it was removed from my credit report. I recently checked my reports to see if a status was updated for my credit card and I noticed that XXXX XXXX XXXX XXXX  was back on my report. I did not receive anything from anyone stating that pertains to an update and I know that it is a violation the FCRA 623 ( a ) ( 8 ) ( D ) that I should have been notified in writing.
Product: Credit reporting or other personal consumer reports

Credit bureau is reporting a 30 late payment for the month of XXXX in XXXX. 
The account shows an on time payment for XXXX. this is a violation for the FCRA. An account has to be 30 days late before bureau reports as late. This account doesn't fall within that scope and is not 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are showing on my credit profile/report and they do not belong to me. I have request for these to be removed effective immediately please. 

XXXX XXXX XXXX, Balance : XXXX XXXX XXXX XXXX, Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX, Balance : XXXX Closed XXXX XXXX, Balance : XXXX XXXX, Balance : XXXX XXXX  XXXX XXXX, Balance : XXXX XXXX XXXX XXXX, Balances : XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address a critical matter regarding the discharge of a debt associated with an account held with BANK OF AMERICA. On XX/XX/2024, the Internal Revenue Service issued a processed and accepted XXXX, signifying the proper discharge of said debt. Documentation confirming this discharge has been received by BANK OF AMERICA via USPS, following immediate processing and approval of the XXXX. 

Given the legal acknowledgment of this debt discharge, it is imperative that BANK OF AMERICA takes immediate action to update the account status on all relevant credit reporting agencies. The current reflection of " charged off '' status is not only inaccurate but also damaging to my creditworthiness. 

I hereby demand that BANK OF AMERICA promptly rectify this situation by updating the account status to " PAID AS AGREED '' within a maximum period of 14 days from the date of this letter. Failure to comply with this demand will leave me with no choice but to escalate this matter further, potentially involving regulatory authorities. 

Please be advised that any further delay or negligence in addressing this issue will not be tolerated. I expect swift action and resolution from BANK OF AMERICA to ensure compliance with legal obligations and the preservation of my financial standing.
Product: Credit reporting or other personal consumer reports

My dispute was mailed to EXPERIAN and delivered on XX/XX/year>. Despite clear instructions to delete specific accounts, EXPERIAN failed to remove them. Today, I contacted EXPERIAN, and the conversation was recorded. During the call, a representative confirmed receipt of my certified letter on XX/XX/year>, but also acknowledged that no investigation has been initiated. 
I reminded the representative that under U.S. Code 1681i, EXPERIAN is required to complete an investigation within 30 days of receiving a dispute, a timeframe which has clearly been exceeded. Additionally, I received no communication within the legally mandated 5-day period confirming that my request was being processed. 
Given this complete lack of response, I am demanding the immediate removal of the negative accounts, per the instructions in my letter. 
Furthermore, under 5 U.S. Code 6802, which restricts disclosure of personal information, I did not authorize any third-party company to report inaccurate accounts on my credit report. Experian did mention they were not affiliated with any third party company.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX  XXXX XXXX Account name : XXXX  XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 ( 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.
Product: Credit reporting or other personal consumer reports

Equifax is improperly reporting a XXXXXXXX XXXX account ending in XXXX on my credit file. I want to make it clear that this account and its balance do not belong to me. 

This situation is a result of a fraud and identity theft data breach, and I have been notifying the relevant parties about it for several months. Equifax is violating numerous rules and regulations regarding the dispute process for fraudulent accounts, and this needs to be addressed immediately. 

I am asserting that this account and its balance are not mine. I have attached a letter from XXXX, along with a previous letter sent to them, to support my claim. This account is unequivocally not mine.
Product: Credit reporting or other personal consumer reports

I took over this loan last year from XXXX, they finally fixed the incorrect SSN in XXXX of this year, and now they are reporting a 90 and 120 day late 's for XXXX and XXXX except due to some other issues with this loan it was in deferment status until the interest and other fees issues could be fixed. They did fix those in XXXX of XXXX. 
Now in XXXX all of a sudden I started seeing Property Preservation Fees on my statement. I sent them a request about it, and the email response was that it was due to a charge from the deferment process. They stated they would send me a breakdown of any charges, however it is now XX/XX/XXXX and I have never received it and it's not in the documents section of their portal. 
Now it's XXXX and today my statement came out and again I downloaded it from the portal and again I am being charged XXXX a week for a property preservation fee, and when I called customer service I was told they couldn't talk to me without an attorney. I questioned why and they told me I needed to be transferred to the loss mitigation department as if my account is in foreclosure or a negative status except my account is paid up until XXXX and XXXX 's payment went out already but hasn't been credited yet to the account. So I am paid a month ahead and yet, the customer service agent XXXX XXXX ID # XXXX asked me if I could afford my payments, and then was confused when he admitted the account was not only current has been current except for XXXX until XXXX when it was in Deferment due to the interest and fees charged prior which were being worked out. 
He couldn't get a supervisor apparently, and couldn't answer basic questions about the account even though that is his apparent job position. 
This is the first step, next I will again send certified mail about this issue and then I will be filing in court because this is an ongoing issue with XXXX since I've had to deal with them. XXXX XXXX XXXX XXXX has no idea what XXXX ( Servicer ) is doing and vice versa, it's ridiculous. 
It should not take a supervisor to explain what a property preservation fee is and why it would show up on someones account when it's clearly paid ahead, also not be able to fix it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue is with XXXXXXXX XXXX XXXXXXXX reporting me in error XXXX days late. When in fact I made all the payments they requested. 

During the XXXX XXXX pandemic I chose to put my mortgage in forbearance since non of knew what the future would be. It was my understanding that the mortgage would be put on hold and when things were back to normal, they would put the loan obligations on the back end of the mortgage afterwards I would resume regular payments. Or find some other arrangement. 

I called XXXX XXXX, They where not very helpful or did not know what to do. I was told to go on line and fill out a form to get out of forbearance in order to renew my mortgage.I tried to explain to them that all I wanted was to put the missed forbearance payments at the end of my mortgage and start making my regular payment., I was told a gain to go online which I did. 
They then told me me to make payments of {$1000.00}, which i did. It is a little less than my usual payment of {$1200.00}. It is a couple XXXX less than my normal payment which I offered to pay. I nor the XXXX person seemed to understand. I thought it my have something to do with my escrow account ( taxes an insurance ) Thats fine and dandy, I make ALL of the payment on time every time as I have for 30 years without missing a mortgage payment. 

I have a copy of my check registry to show I faithfully made the payments. ON TIME! 

This issue is really messing up my life. My credit score dropped substantially preventing me from getting favorable rates on a HELOC or restructuring my credit cards, as the balance has increased due to poor cash flow from XXXX XXXX. 

I just dont see where I went wrong. I followed their instructions to a XXXX XXXX thought we could put our mortgages in forbearance without penalties or consequences. Doesnt the CARES act protect me from not suffering harm to my credit rating during the period that I received the accommodation?? 

I did as I was told and and made the payments for a lesser amount for 3 months, even though I had No problem making my payment for the original amount. 

I have copies of the debit transactions showing I made ALL payments on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently shopping for a mortgage. I noticed transition was still reporting a balance on my XXXX credit account when I disputed it with trans Union my score went down XXXX points and they reported it paid in Full. My credit score was A XXXX by dropping it down XXXX  points I did not qualify for the mortgage that I applied for.Why would they drop my credit score XXXX points for paying off a credit card to have a XXXX  balance. XXXX  should have gone up XXXX points not down