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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX 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 seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 
XXXX  XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX Early Warning Services
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint against Village Capital Investment LLC . Loan # XXXX. 
This is regarding a wrongful Credit Reporting of a late payment to the credit bureaus. In support of my claim, on XX/XX/XXXX, I reached out to the abovementioned company, and they indicated that they had been having on going issues with their mail and that the late fee was at no fault of my own. Call reference/confirmation # XXXX. I provided the company with a copy of the check # XXXX dated XX/XX/XXXX, date it was also mailed. During the call, the representative asked me to pay the mortgage from XXXX and stated that given their mail issues he would vacate the late fee. During that call, I paid XXXX 's mortgage, but the company did not hold their promise. The following month, they deliberately decided to sell the loan to a new lender, with the late fee, and falsely reported it to the credit bureau. This is a VA Loan and throughout our tenure as customers, we always made timely payments and maintained a good credit history.

Village Capital & Investment LLC is well aware of their mail issues as expressed by them numerous times during other inquiries and communication. 
Village Capital late payment report to the credit bureaus, has negatively impacted our credit score and creditworthiness. Village Capital mail issues prevented us from making the payment on time, despite our repeated attempts to do so. 
On XX/XX/XXXX, upon notifying Village Capital of the issue, they once again acknowledged the mail challenge they are having and promised to vacate the late payment. However, instead, they kept the late fee, reported it to the credit agencies, and sold the mortgage account to a new lender with a late fee that the new lender claims they can not vacate. I believe that the actions of Village Capital & Investment, LLC are in direct violation of the FCRA, which mandates that accurate reporting should be observed by creditors. By reporting an inaccurate late payment, Village Capital & Investment, LLC., has caused significant damage to our creditworthiness. This erroneous reporting has not only affected my ability to secure future loans or lines of credit but has also subjected me to undue stress and inconvenience. I kindly request you, Consumer Financial Protection Bureau, to thoroughly investigate this matter and take appropriate action against Village Capital & Investment , LLC. I believe that remediation such include the immediate removal of the late payment from my current loan and from my and my husband 's credit report accordingly.

I trust that the CFPB will conduct a fair and thorough investigation into this matter and take the necessary steps to rectify the damage caused by Village Capital & Investment, LLC., negligence.

Thank you for your attention to this matter. I look forward to a prompt resolution and favorable outcome.
Product: Credit reporting or other personal consumer reports

Credit report pulled on XX/XX/XXXX, is reflecting incorrect information regarding payment history for an auto loan that I share joint responsibility. 


Flagship Credit Acceptance - Date opened XX/XX/XXXX. Reported date opened under XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. Please delete this entire account for inaccurate reporting. 

Under the payment history, you have blank boxes, which I understand to mean no data has been reported for the time period. Please delete this entire account for inaccurate reporting. 

Payment Status reads current for all RA ( reporting agencies ), but it doesn't reflect one payment being made in XXXX. Please delete this entire account for inaccurate information being reported. Last payment made XXXX of XXXX. Payment history ends XX/XX/XXXX. Please delete this account for inaccurate and false reporting. 

Under the two-year payment history, you claim I was late XXXX days late from XX/XX/XXXX until XX/XX/XXXX and after that all payments go back to normal for the month of XX/XX/XXXX. Please delete this entire account due to inaccurate and false reporting. Why don't you have data for the months neglected? Please delete entire account. 

Then starting back in XX/XX/XXXX, I have accuracy from XXXX showing on time but show 30 days late with XXXX and XXXX? This is inaccurate reporting and it's damaging my reputation with another creditor. Please delete this entire account for inaccurate reporting. 

Next, I would like to have my previous addresses deleted. I have requested this action to take place several times now and all of the addresses are still listed under all of the RA ( reporting agencies ) data bases. I would like to only have my current address as I'm dealing with identity theft. Please delete all previous addresses as it is illegal to have mail going to multiple addresses. This information keeps resurfacing please delete.
Product: Credit reporting or other personal consumer reports

Experian is reporting inaccurate unverifiable collection accounts on my reports without my hand written consent. These accounts doesnt belong to me. I tried disputing it They are not giving me any documentation showing that these negative accounts belong to me. I request from them to receive payment history my handwriting signature on these negative accounts that they say is mine. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove thiese items from my credit reports
Product: Mortgage

New Rez incorrectly charged us for Lender Placed Insurance. It took months and repeated calls to get that corrected. This was partly due to strange policy that emails are only opened if you are on the phone with service agent!!! Finally resolved but New Rez still wants payments for the now-cancelled lender placed insurance for XXXX and XXXX Each month I call and each month I am told they will need to run a new escrow analysis. The analysis takes at least XXXX days so it never gets completed by the next billing cycle. I can not get this issue resolved with New Rez and hope you can be of assistance. As of today, they want a payment of {$770.00}. They say it will be refunded at the end of the calendar year. This is crazy. I am a retired actuary and have never seen such poor customer service in the financial industry.
Product: Credit reporting or other personal consumer reports

Upon the relationship ending XXXX I have requested ALL documents associated with alleged account and have NOT RECEIVED ANY. 

In fact, XX/XX/XXXX I received a XXXX XXXX letter advising consumers of fraud, and potential PI compromised. 

In addition, the company is violating my consumer rights per FCRA 604 15 USC 1681.

I believe the Lack of Validation is indicative and supports my concerns of false reporting while violating my consumer rights.
Product: Money transfer, virtual currency, or money service

l am writing to formally express my concerns regarding Zelle 's handling of disputes particularly in light of the recent XXXX  lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit card

I called to Citi Bank, amount $ ( XXXX ) XXXXXXXX XXXX ( XXXX ) to explain them, I'm sickness ( I'm treatment XXXXXXXX and XXXX. I'm walking slowly ) I can't work for now ; my relatives provide me a room and meals free. 
Call center told me, you need a lawyer and fill it out papers. my currently address is outside XXXX. I have not money to pay a lawyer unless American lawyer. 
Full name XXXX XXXX XXXX XXXX XXXX last 4 digits ( SS ) I have been Hard Worker paying my cards and keeping a good credit score. But I lived a horrible time on XXXX XXXXXXXX in XXXX. so then my body start felt weakness and I don't want to talk about! He has money and power! 

Because I can't pay by myself my debt. 
My sister drove my car, she signed a letter on notary office she is responsable for the auto loan under my name, XXXX XXXX told me, nobody pay the Auto loan. while I'm in XXXX. 

My nephew filled it out W2 on XXXX He never deposited me my REFUND. I call XXXX, and state Illinois both them, provide me tracking number my Refund was deposit on his account number XXXX XXXX. He fraud me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This information reporting agency, is reporting inaccurate information of my behalf, it is a defamation of character, and a hinderence of me getting approved for loans, credit card, utilities, etc. It is not an accurate reflection of my true credit worthiness. I have tried to resolve this issue with the agency multiple times, I have sent two seperate letters before filing this complaint on this matter. They will not comply with the law. They will not cooperate with me to resolve this matter. I wrote a letter to this agency stating that the followings items were reported inaccurately on my credit report- account- Bank XXXX XXXX {$3200.00}, Bank XXXX XXXXXXXX {$10000.00} XXXX Bank XXXX XXXX {$1300.00} XXXX They said it was verfied as accurate reporting which is false, then I wrote a second letter asking them for the method of verification which under 15 U.S. Code 1681i - Procedure in case of disputed accuracy they must provide that information to me, and they refuse to not provide this information and still will not remove the unveriable items.
Product: Credit reporting or other personal consumer reports

I received an email from MomntXXXX XXXX ( whose address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and phone number is ( XXXX ) XXXX ) on XX/XX/XXXX about a retail installment credit agreement in the amount of {$7400.00}, dated XX/XX/XXXX. The original merchant on this document is XXXX XXXX XXXX XXXX. I have never heard of nor have I ever been to this clinic and I DID NOT obtain goods, services or money as a result of this transaction and I did not consent to this transaction either in person, in writing or electronically. I do not know how someone obtained my personal information in order to take out this fraudulent loan! I looked up this clinic online and the address I found is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and its mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX . The phone number XXXX is no longer in service and it appears this business no longer exists. I believe someone at this place of business stole my identity and has has been reported to my local police department and to identitytheft.gov. I was told by a representative at Momnt on the phone that it was a promotional agreement and payments were not due for 24 months which must be why I did not know about it until 24 months later when I first received the email. The credit report reflects 100 percent of payments were on time. But he representative told me no payments were made since there were none due during the promotional period. This must be why it is just now showing on my credit report since payments are now due. Regardless, I made no such payments as I had no knowledge nor did I consent to this loan and it should be remove from my credit report. I have read several complaints of fraud online about this XXXX XXXX XXXX XXXX. I've also read that on the Tennessee Secretary of State website that it's Limited Liability Company is dissolved and appears to have many lawsuits filed against it. I have disputed this with the credit bureaus as well. But the finance company " MomntXXXX XXXX '' insists on collecting this debt that I am not responsible for claiming that I signed the agreement electronically. I've never signed any agreement electronically in my life and they are trying to collect a debt that is fraudulent and is identity theft!
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile in XX/XX/2022, I identified discrepancies between a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account. I requested validation for the late payments multiple times. I have not received any correspondence from the credit bureaus to validate these accounts ' payment history, nor have my credit reports been updated to reflect the correct payment history. Please strike and correct my payment history for these accounts to reflect no late payments or remove the accounts from all 3 credit bureaus until adequate validation has been received proving that all information is indeed correct. as this is negatively affecting my ability to obtain a mortgage.
Product: Credit reporting or other personal consumer reports

My Account with XXXX XXXX XXXX XXXXXXXX also was reported as a charge off it was written off as a loss the company was supposed to send a 1099 c form but never did I am asking for this to be deleted under 15Usc1681eb that states accuracy on credit report this is a violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Self Financial XXXX XXXX XXXX
Product: Student loan

Due to XXXX XXXX case vs the XXXX government, I wasnt expecting much towards myself or my loans, then XXXX XXXX or XXXX XXXX sent me a letter removing my loan/balance due to the lawsuit, it was a private loan. So excited about the news called, Fed.Gov who.was very pleasant and helpful, could not give me an answer, but made me feel good about it. Even though that only XXXX had gone towards the balance and XXXX went to interest, they still made me feel like they understood. 
My issue is with XXXX, where I also have a private loan thru XXXX XXXX, would not even look at it or even care about what my view was, I understand, they are a business, but if XXXX XXXX, can see what happened with the lawsuit, why couldn't WellsFargo, look into it and try make an effort. 
Simple request was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to Kickoff that I did not apply for a loan that they claimed I signed up for. 
I had no need for a loan of {$750.00} at that or even now. The dates started XX/XX/XXXX and placed on my account XX/XX/XXXX for a late payment of XXXX.
Product: Debt collection

I was alerted by XXXX, XXXX and XXXX that the collection agency by the name of Harvard Collection added two files to my credit report. I have disputed this in XX/XX/XXXX and again in XX/XX/XXXX with the aforementioned credit bureaus due to the fact I have never signed a contact or have an account with Harvard Collection. To no avail they did nothing. In XX/XX/XXXX I sent a letter asking the company to verify and validate said files. Attached is the letter that was sent. No contract bearing my signature was sent which was stated in the letter that was sent. It is illegal to have this on my credit report and I dont have a contact with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

One day, I just wanted to get a new line of credit but I realized I was turned down. My credit score was close to the XXXX but for some reason I kept receiving to many inquires on my denials letter. I later looked at my XXXX  and was appalled when I witnessed 50 hard inquiries I didn't approve of at all. I sent a letter to XXXX disputing the information about a month ago, no progress has been changed so I'm using CFPB to report and get these things off my report.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 usc code 1681b ( a ) ( 2 ) I have not given any permission to report this account, please remove ACCOUNT from my credit report.
Product: Debt collection

XXXX XXXX  is attempting to collect and account that is paid I full Supported by their records which show I paid their account in full and is due a refund based on their own records
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX inquires, I have filled XXXX police reports as identiy theft and Equifax still refuses to remove the said inquires
Product: Debt collection

Back in XXXX of XXXX I gave XXXX XXXX {$980.00} to release me from the apartments. The manager told me since I paid the fee it would not go on my credit but they lied to me. I called the apartments in early XXXX of XXXX about the situation and they said that their system is showing that I never lived there.They also put the wrong name on my receipt in which I still have. I have ask for this to be removed from my credit but its still in there.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report lists a vehicle ownership from a loan extended by XXXX XXXX XXXX  - opened on XX/XX/XXXX and closed on XX/XX/XXXX. This account is not mine and never was mine. Never did I apply for a vehicle- nor have any ties with XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank issued me a card to buy a XXXX phone. I got the credit in XX/XX/2018. I paid as agreed and used their system to pay my account in full in XX/XX/1019. But then months later they said I owed them {$18.00}. This hit my credit with almost an 80 point drop. 

SYNCB/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is unacceptable the credit bureaus have not responded back to me about my investigation. I sent a letter on XX/XX/2021 as of today its 49 days, exercising my rights under FCRA 611 ( a ) ( 15 U.S.C.1681i ) I challenged the accuracy, compliance and report-ability of these accounts below. 

1. XXXX/XXXX  : Account number : XXXX, How did you verify this account? Please delete 2. XXXX XXXX : Account number : XXXX, How did you verify this account? Please delete 3. XXXX/XXXX  : Account number : XXXX, How did you verify this account? Please delete 4. XXXX/XXXX  : Account number : XXXX, How did you verify this account? Please delete 5. XXXX/XXXX  : Account number : XXXX, How did you verify this account? Please delete 6. XXXX  XXXX  CU : Account number : XXXX, How did you verify this account? Please delete XXXX. XXXX XXXX : Account number : XXXX, How did you verify this account? Please delete 8. XXXX : Account number : XXXX, How did you verify this account? Please delete 9. XXXX XXXX : Account number : XXXX, How did you verify this account? Please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.