23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 ac

count 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, credit repair services, or other personal consumer reports

OnXX/XX/2019, I disputed a Chapter XXXX  bankruptcy that was being reported on my credit report. June the credit reporting agency stated the information was verified as accurate. XX/XX/2019, I sent a letter to the court administrator of the courthouse where the bankruptcy was filed. In my letter I requested what is their procedure for verifying records with the credit reporting agencies. XX/XX/0219, The court administrator mailed me their response, stating the courts has no form of direct interaction with any credit bureau. Credit bureaus do not check with or otherwise have direct contact with the Court to verify information they have obtained from third parties. The Court has no involvement regarding what credit bureaus do with the information they get from third party administrators. XX/XX/2019, I mailed a copy of the letter to the credit reporting agency along with the response I received from the Courthouse Administrator stating how they don't verify the information with the credit bureaus. In the letter I stated per the FCRA 623(a)(5): "If the Credit Bureau cannot VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file". The Credit Bureau responded back stating it was verified. I then asked them for their Method of Verification. As a consumer, I have a right to request the credit reporting agency method of verification. I requested the Credit Bureau to send me the original method of verification from the Courthouse and they advised they do not have to furnish that information to me.
Product: Debt collection

Upon reviewing my credit report in which I have been working diligently to repair so I have been keeping a very close eye on my credit profile from XXXX, XXXX, and XXXX. This is when I noticed that a debt in which I previously paid has resurfaced. The creditor 's name is XXXX, the collection agency 's name is XXXX XXXX, the amount of the debt is {$520.00}. This same debt is also reporting to the same credit bureaus with a different collection agency as well y the name of CBE GROUP from CHARTER COMMUNICATION which is also XXXX  for the same amout of {$520.00} and as stated before this debt has been paid in full atleast 4+ years ago.
Product: Vehicle loan or lease

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Product: Credit reporting or other personal consumer reports

Unfortunately, Im a victim of identity theft. I provided the Credit Bureaus an FTC Affidavit giving notice to remove these accounts and also requested a fraud alert be added to my credit report. The credit bureaus have refused to remove these fraudulent accounts. I have no knowledge of these accounts and requested the Credit bureaus provide me with information regarding their decision. They are violating my consumer rights by refusing to provide me with the requested proof they used to make their erroneous decision. I have no knowledge of the following accounts which should be removed from my consumer credit report : XXXX XXXXXXXX acct # XXXX ; XXXX acct # XXXX XXXX XXXX ; XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXXXXXX acct XXXX XXXX XXXX XXXX XXXXXXXX XXXX  acct XXXX XXXX and XXXX XXXX XXXX  acct XXXX XXXX. The credit bureaus are not actually doing their lawfully required due diligence to verify that these companies actually have lawful proof of these alleged debt accounts. After speaking to the credit bureaus, it appears that they are simply asking companies to verify if my information matches their records. This is not a true investigation. If someone has stolen my personal information and used it to open an account then its obvious that my information would match. The credit bureaus are causing me extreme emotional stress and hardship due their unlawful practices.
Product: Credit reporting or other personal consumer reports

XXXX disputing the accuracy and validity of bankruptcy information listed on my credit report by Experian. On XX/XX/year>, I submitted disputes to Experian, requesting verification of the listed bankruptcies. I also provided a letter from the courthouse stating that they do not verify bankruptcy information for credit reporting purposes. Despite this, Experian has continued to report the bankruptcies without providing evidence of proper verification, which violates the Fair Credit Reporting Act ( FCRA ). 

The failure to verify this information or provide details of their investigation demonstrates a lack of compliance with their legal obligations. I have made several attempts to resolve this matter directly with Experian, but their responses have been inadequate and dismissive. 

Given the recent legal action against Experian for mishandling consumer credit reporting, I believe my case highlights a systemic issue that needs to be addressed. I am requesting that the inaccurate and unverifiable bankruptcies be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2017 I tried to access my Experian credit report under the FCRA due to been denied credit and after providing my information I was denied access to see what is on my report and if there was anything I needed to correct.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have repeatedly received calls from Monterey Financial that are regarding a person, an entity, and an amount owed that I am not familiar with. I am not the person they are trying to contact. I have told them on the phone multiple times, both by picking up when they call, returning their call, and also filling out the form on their website notifying them of the incorrect number. It has not ceased since it began in, at least, XXXX.
Product: Checking or savings account

Other banks arent letting me open an account or locks my accounts because there is fraud on a black webs years ago when some stolen my card from XXXX XXXX and XXXX  XXXX XXXX and tried to commit fraud and the bank representative told me it wouldnt affect me.
Product: Debt collection

I started receiving calls and voicemails from Genesis threaten me with lawyers. I advised them I was living in a house I bought at the time this debt occurred. They proceeded to threaten me and say I lived at an apartment complex called XXXX  XXXX. I knew where this place was because it was on the same street my daughters middle and high school was on. It is a dump apartment. They claim I lived there in XXXX. I have mortgage information that can show I was living in my house - utility bills, mail etc.. I have NEVER lived at XXXX  XXXX. I have only even drove into that place once to take one of my daughters friends home. Now I am moving to Ohio and I can not get an apartment because of this collection from Genesis.
Product: Debt collection

Cedar Financial - " Putting People First '' XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX This letter is to confirm once again per my XX/XX/XXXX letter that the aforementioned debt was not incurred by me, it is not my personal responsibility, nor is it my personal debt. See attached copy of my previous letter. 

I did receive your XX/XX/XXXX letter which wrongly associates and fraudulently claims the above as my personal credit obligation and personal debt. 

Further confirming the shoddy methodology of Cedar Financial, and the inaccuracies in Cedar Financials threats and activities, is the third page of your letter of XX/XX/XXXX in which you wrongly sent me a copy of the dunning notice in behalf of another of your clients [ see PDF ] based in XXXX, California  -- - a notice in which you are pursuing patient [ see PDF ]. The document you sent me includes the persons [ patients ] medical information, contact information and social security number. 

In wrongly sending me the document of one of your other clients and not the client whose debt you are claiming that I owe but which I do not owe and have no personal liability or responsibility. 

By sending me these documents that are relevant to another of your clients, your company, Cedar Financial Putting People First - along with your apparent client [ see PDF ] appears to have violated the HIPAA ( confidentiality regulations ) in the activity of your shoddy workmanship and shoddy collection activities. 

According to the The HIPAA Privacy Rule as published by the Health and Human Services Department of the United States Government https : //www.hhs.gov/hipaa/for-professionals/privacy/index.html The HIPAA Privacy Rule establishes national standards to protect individuals medical records and other personal health information and applies to health plans, health care clearinghouses, and those health care providers that conduct certain health care transactions electronically. The Rule requires appropriate safeguards to protect the privacy of personal health information, and sets limits and conditions on the uses and disclosures that may be made of such information without patient authorization. The Rule also gives patients rights over their health information, including rights to examine and obtain a copy of their health records, and to request corrections.

Cedar Financial and your client [ see PDF ] have evidently violated the HIPAA Privacy Rule by sending me the document, and evidently claiming that that debt for {$1400.00} claimed by the [ see PDF ] (  which I had never heard about and with which I have never been involved ) is somehow my personal debt, as you have claimed about your other client [ see PDF ] - - - and this needs to be reported to the Department of Health and Human Services, perhaps the Department of Justice and other relevant government authorities.
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 violate the Consumers Finical Protection Act ( CFPA ). Specifically, Cash App failed to take time and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with erro solution 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: Credit reporting, credit repair services, or other personal consumer reports

There is an account open from XXXX XXXX  in my name which i never opened and i would like deleted from my consumer report and to stop being reported to XXXX. The information linked to this account is a phone number which does not belong to me XXXX and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX which is not my address. This account was opened XX/XX/2017 and was closed XX/XX/2017 and still has not been removed from my consumer report despite it being fraudulently opened without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several dates of borrowing and a satisfactory transactions. They just not reporting to the credit bureaus. Cottonwood Aka The Cash Store
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS 14 INQUIRIES THAT I HAVE NO IDEA WHERE OR WHY THEY ARE THERE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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: Mortgage

Hi, The United Wholesale Mortgage escrow ( UWM ) calculated the wrong property tax amount. They collected double what they should collect, which led to my mortgage payment increased more than a XXXX a month. On the hand, I found out UWM didn't pay my property tax because XXXX XXXX tax collector sent me a bill with a penalty. I had to pay using my own money, which led to short money in the bank. I contacted UWM and told them I had just paid the XXXX XXXX dollars in property tax and didn't have enough money to payment+increased escrow, and I asked them to use escrow money to pay my mortgage payment ( extra XXXX XXXX in escrow ) ; they denied it and charged a late fee, and report delinquency to the bureau. 

XXXX XXXX : {$9300.00} UMW XXXX XXXX : {$15000.00} I don't trust UWM escrow anymore, and I asked UWM to terminate the escrow. They also denied it again due to a delinquency event which caused by UWM. 

Thanks to UWM, I had to pay the late fee, and it ruined my credit.
Product: Vehicle loan or lease

I traded my car in for a newer vehicle on XX/XX/2020 from a big dealership. Wells Fargo Auto supposedly still did not get payoff as I have reached out to finance manager at the dealership and they have sent it out almost 3 weeks ago to Wells Fargo. I believe Wells Fargo maybe understaffed during pandemic and not getting my account paid/processed timely ...
Product: Credit reporting or other personal consumer reports

I REACHED OUT TO NAMED COMPANIES AND ASK THEM IF THEY COULD PROVIDE ME EVIDENCE THAT I SEEK TO OBTAIN CRDIT FROM THEM AND IT STILL WAS NOT PROVIDED
Product: Money transfer, virtual currency, or money service

I was paid {$20000.00} from my client for my services through PayPal. PayPal limited my account from me withdrawing my funds and doing a instant transfer. 

They charged me {$710.00} for receiving my payment from my client and now they are holding my funds XXXX  stating that I cant receive my remaining funds in my PayPal account till 180 days and that they are closing my account down. 


This was so wrong.. They decided to do me this way during the holidays so I had to go without and still not able to withdraw my funds after doing everything they have requested for me to do.
Product: Student loan

I called Mohela on XXXX to ask why I have capitalizing interest in the amount of {$850.00} on my loans collectively. My loans were current at the start of the pandemic and should not have been collecting interest. A senoir rep from Mohela reported that they are unable to see my previous payment information from Fed loan servicing from prior to the pandemic and that the would submit to receive this information and it would take approx 30 days to resolve this issue. On XX/XX/2024 Mohela sent out paperwork stating that capitalized interest would not apply to my acct until XX/XX/2024, so I assumed that they were working on this issue. I spoke again with Mohela today XX/XX/2024 to ask why I have received paperwork stating that i have now over {$1000.00} in interest that capitalized 2 days ago with the current payment they are asking for the month of XX/XX/2024. After approx 2 hours on the phone with several different individuals, Mohela continues to report that they do not have my payment info from Fed loan servicing and that they can not explain where or why I have accrued this interest that they have now added onto my student loan principal. The last person I spoke to at Mohela transferred me to a " supervisor '' which was actually a transfer to their survey system and then I was hung up on.
Product: Credit reporting or other personal consumer reports

I am not able to access the account or call trans union or XXXX at this time. However I did notice still some issues not resolved. Realize being worked on and I am working on identity issues however I did have a legal name change 2008 that I did have to amend and took years. But if it helps them partly resolve the problem there was a gap of time between the documents were amended. The XXXX XXXX ID is not the same as I had a drivers license in given and legal name that I had despite the error as well as after ammended. So it doesnt have the same New Hampshire XXXX license number because it hadnt expired at the time. So I am able to supply it to them but in between the state XXXX took effect replacing the drivers license which likely is causing more confusion I had to give up driving because of low vision. So because birth certificate can not be copied I am in process of getting a replacement passport and then it should be able to be amended. Otherwise I have to go back and redo the application for passport in place of the birth certificate. Apparently someone else took out credit card loans so no it was not my debt still see a number that I can not know if it was mine. Trans union. XXXX. Landlord at the time had similar number and anyone could have used his or my phone so just let them know. Between them. Also at this address computer went through my number dial up not wifi for both his and my computer so reasonable doubt for me again
Product: Vehicle loan or lease

Complaint Number XXXX & XXXX XXXX XXXX I ahve since called the company becuase they called me telling that they were looking in to it late and geave me a special phone number and extension to conact with any any questions on late Friday afternoon, afterwards I then recieved my mail and found a letter sdtating that Ally was going to negativley report my accout to the credit bureaus. It was too late to call but I did and leave a message. I got voice mail from my contact per the phone ext given it wasa XXXX, who out of office recording stated he was out of the office and would return XXXXXXXX XXXX? I finally spoke with someone else and requested to speak with managment Iwas told that managment was not avialable and I had to speak with XXXX, I finally spoke with him and he said he hadnt had time to review my account that he requested documents, my payment hisotry. I then requested to speak witha manager he said there were nomangagers avialable and eventually said he need to hang up as I would not take now for an answer to speak with a manager, Today I viewed my account on the online protal, it now relects that I am {$800.00} plus in arrears, thisis worng as Ihave made every payment and when i look att he payment hisotry on t he webiste and look at the break down of the payment they show late fees? 
I do not understand and dont trust that any info they report is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already corrected information regarding XXXX XXXX and received fraudulent information stating I opened an account t with a name XXXX XXXX XXXX with XXXX XXXX XXXX  which is a blatant lie. REMIVE this now before I sue!!
Product: Checking or savings account

Wells Fargo failed to follow their own policy on " Extra Day Grace Period. '' They also defrauded my account by depositing funds from my paycheck into my account, it was visible and actually there, then taking it away and giving it back 24 hours later. I filed a complaint, Wells Stated they set a date to research and fix it, then respond. They did not respond, fix or conduct with any action as promised. They had to be contacted regarding this failure of procedure, again. 
They refused to rectify the issue in a timely fashion as promised and stated they were going to " Take another week because the rep was not there and because they can. '' According to procedures and banking policy, an issue with any account must be addressed in a timely fashion and agreed upon by both parties. This was not and I did not agree to the delay. They have plenty of people to fix the issue but they choose to state there is only one person assigned to handle millions of people who have account issues, break of policy and bank procedures. So far they have violated their own rules and regulations. This will not be tolerated and is subject to Federal oversight and legal action.