23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Freedom Mortgage Corporation immediately sold my information to third parties for months without permission, and continues this practice. Only upon filing a complaint with the corporation, a letter was sent months later after all of my information was already sold, now giving me the opportunity to opt out. This loophole needs to be closed and this company has taken advantage of my personal information for their financial gain. The damage has already been done.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Checking or savings account

i opened an account in chase bank about 6 weeks ago and i made a deposit of XXXX i was declined access to my funds. i was told that they have to verify where the money is coming from. i clearly told them that i can provide all the information, but nothing changed, so i told them gust send back the money and they refuse to do so,
Product: Debt collection

On XX/XX/XXXX, I was served with a summons at my home for a lawsuit. The options to select in this complaint are about being sued in a state where I don't live, but this complaint is because CKS Prime Investments is not licensed in my state as a collection agency as one of the several complaints I have with this lawsuit. 

I sent a certified response to their attorney XXXX XXXX on XX/XX/XXXX. I asked for the XXXX, the forward flow agreement between CKS Prime Investments and who they have listed as the original creditor XXXX XXXX XXXX XXXX . And lastly, I asked for an original contract with wet signatures between myself and CKS Prime Investments. 

In response, I receive a package from Attorney XXXX which contained several months of statements and a bill of sale. In the bill of sale, it appears that an organization called XXXX XXXX XXXX XXXX XXXX may have sold or transferred a batch of accounts to CKS Prime Investments , LLC. This in no way provided me any evidence which I asked for. There is no way that that bill of sale identified my " account '' as being part of this transaction, it also did not show where The XXXX XXXX XXXX  assigned anything to CKS Prime Investments , LLC. 

In the lawsuit, it claims that The XXXX XXXX XXXX sustained damages and those damages were passed on to the plaintiff CKS Prime Investments , LLC. It mentions that " Plaintiff  is informed and believes and on such information and belief alleges that each of the fictitious names Defendant are in some way responsible for the damages sustained by Plaintiff  in this action. '' What is meant by fictitious names? As my name as a natural person is verifiable and is listed when referring to me as a defendant. 

The lawsuit alleges that " Defendant defaulted on the account on or about XX/XX/XXXX ''. And " On or about XX/XX/XXXX, The XXXX XXXX XXXX or its assignee, assigned or otherwise transferred to Plaintiff  ''. However, in the bill of sale which was mentioned above from XXXX XXXX XXXX, it clearly states the purchase/sale was entered XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$590.00} XXXX  XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removal of the inaccurate information about my inquiries has not been given any attention by Equifax Credit Bureau. Sending them a Complaint last time and I have not received any response up to this date. Therefore, Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the following Inquiries and need to remove Completed from my Credit Report. 
XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Vehicle loan or lease

During COVID I setup automatic payments with US Bank on my loans over the phone ( kind of incredible that a company this size did not have the option to setup automatic payments on their website ), and in that process they did not collect the first month payment. I was not notified except when I was told it was past 30 days late. I have had loans since I was XXXX and I am XXXX now, this is the ONLY payment in my entire life that has been late. I contacted the company 3 times to ask for the late payment to be removed and they did not do it even though it was their fault in not setting up the automatic payments correctly. Even worse, this was during the peak of COVID when this same bank was allowing people to completely miss making payments on their loans. Yet I continued to make payments and they had the nerve to do this to me. I feel worthless when trying to talk to a company this big. Banks should have been broken up after XXXX  so we could get some service. Humans not robots!
Product: Checking or savings account

On XXXX XXXX I tried to access my USAA account via my XXXX. My account has a high amount of money. I wont say the exact amount but close to {$100000.00}. I got a message saying that, for security reasons, my account had been locked and to contact USAA to resolve the issue. At this time, I could not even see my accounts. No access whatsoever. So I called and each representative I spoke to said that no one would be able to help me until XXXX central time. They could not give me any information as to why my account was locked and when I asked them to verify that my funds were still there, they could not. I asked them if I was still able to use my debit and credit cards and they said Im not sure. So I got into my car and drove to the ATM. I tried to take out money and the ATM said insufficient funds. Of course I knew that this was not true. I had plenty of money in my account. I have now spent the entire night not knowing what happened to my account. I am in complete distress and I honestly feel sick about this situation. I do not understand how my account can be locked and theres not a single person from USAA to help me out. I received no warnings and there was no activity out of the norm that I did. This honestly feels like theft or someone holding my money hostage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax/Equifax credit bureau/Equifax information services Llc . Says they do not have a credit file that matches my information ; however, Equifax/Equifax credit bureau/Equifax information services Llc has already deleted some accounts, in which I wrote them about, on a file they claim they can not locate. Equifax/Equifax credit bureau/Equifax information services Llc keeps sending me pre written letters ( frivolous ) and not abiding by the law and delete accounts b/c their failure to comply with the investigation allotment of time. Attached are accounts they deleted/removed from my file already from a CFPB reply.
Product: Credit reporting or other personal consumer reports

I sent a dispute to verify some accounts on my credit report and they havent sent me any results or notice back.
Product: Credit reporting, credit repair services, or other personal consumer reports

As expected, CFPB and TRANSUNION have disregarded my request AGAIN for the DELETION of the accounts below which are not mine. I am so baffled by this situation! You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by the rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please REMOVE the accounts completely : XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for XXXX XXXX XXXX loan forgiveness and my edfinancial accounts should be closed as they were sold to XXXX. My edfinancial loans are still showing on my credit reports which means my loans were duplicated and showing incorrect information. I have no more loans with edfinancial. My loans were sold and consolidated into XXXX at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I received a call from Quicken loans ( XXXX ) stating that they could help me look for the right mortgage. The rep asked for my social security number in order to confirm my identity, so I gave it to him. I asked if he planned to run my credit and he said 'yes ', I immediately told him that I did not consent or give him permission to do so. He then said that it was too late. According to him and his supervisor he said he would fix the inquiry, but they never did as it shows up in my credit report.
Product: Money transfer, virtual currency, or money service

In the XXXX XXXX XXXX I was experiencing issues with sending money through Cash App. While trying to resolve the problem, I came across someone claiming to be Cash App customer support. They instructed me to provide certain information to verify my account and fix the issue. Believing they were legitimate, I followed their instructions, which allowed them to gain remote access to my account. 

Once they had control, they fraudulently withdrew {$300.00} from my account without my authorization. I later realized this was a scam, as Cash App does not request remote access or ask users to provide sensitive account details. 

I am requesting a refund for the stolen funds and an investigation into this fraudulent activity. This experience has caused financial hardship, and I would appreciate any assistance in recovering the lost money.
Product: Credit reporting or other personal consumer reports

I had checked my credit report on XX/XX/24 just to make sure everything was accurate on my report and I noticed there was a lot of incorrect information regarding a charge account on my credit profile and a lot of information did not correlate. I also did not give written consent to Equifax to report this on my credit report. No consent is fraud. This is a violation of my rights as a consumer. XXXX. 


15 U.S. Code 1681e ( B ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 U.S. Code 1681b ( a ) ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Considering the information on my report regarding this charge account is inaccurate and I did not give written consent for this to be reported on my credit report, it is violating my rights according to 15 U.S. Code1681E ( B ), 15 U.S. Code 1681i ( 5 ) and 15 U.S. Code 1681b ( a ) ( 2 ).
Product: Credit card

I have submitted a complaint on American Express before, but I forgot some very important information so I am hopeful that you will take another look at my complaint. 

I was an Amex customer for more than 17 years. 

I paid my balance in full and on-time each and every month. 

I had a Gold card and I had a XXXX XXXX. I also got a XXXXXXXX XXXX for my son. 

I had put a limit on my son 's card that he went over routinely. I had questioned " why ''? I was not given any answers from American Express. After dealing with this issue for months and months, I called Amex and I asked why the card was going over its " limit and I was given wrong information and then hung up on. This made me angry. So, I called back and the person I spoke with next was also not very helpful. She did not seem to care nor empathize with my plight. I used a swear word. She told me she would get my account closed for this and she would be glad doing it. 

But, here is the thing. Per the credit card rules you can not close someone's card if they have a dispute -- which I did, and which Amex never did anything or in any way to deal with or help me solve. They simply closed my account, and in doing so never helped me with my problem. They also took away credit that I badly needed and they hurt my credit score badly which caused me a hardship. 

This should not have happened.
Product: Credit reporting

I was alerted that on XXXX XXXX a hard inquiry was placed on my credit report with Transunion by XXXX. I did not apply for any credit with XXXX and someone applied for this credit without my authorization. XXXX acknowledged that a application for credit was filed but denied because not enough correct information was supplied with the application. I sent a letter to XXXX saying this was without my authorization and fraudulent and XXXX responded back that they are unable to remove the inquiry and that I should dispute this inquiry with Equifax.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX a vehicle I was financing through Nissan Auto Finance was stolen. On XX/XX/XXXX XXXX XXXX XXXX paid a settled amount for the amount of {$8700.00} to XXXX XXXX XXXX for the stolen vehicle. XXXX XXXX XXXX never contacted me to tell me that I was responsible for a remaining balance of approximately {$2600.00}. On XX/XX/XXXX, I received a call from an investigator who is working on granting me a security clearance for a XXXX position. The XXXX informed me that I have a report on my XXXX XXXX regarding an unpaid debt to XXXX XXXX XXXX. I contacted Nissan XXXX XXXX XXXX XXXX on XXXX XXXX twice to request information regarding the supposedly outstanding balance. Nissan provided me with the phone number and name of a collector company, XXXX XXXX. I contacted them and spoke with XXXX XXXX. He stated Nissan opened an account with them on XXXX XXXX regarding the supposedly outstanding balance and informed me Nissan never provided them with my email address or phone number. I asked them why they wanted to collect the supposedly outstanding balance when I was never contacted before for the past 7 years/ almost 8 years. They told me to contact Nissan for any questions, and that they will be putting the account on hold until they send my questions to Nissan and will the answers from them. I contacted Nissan XXXX XXXX XXXX again, and this time they told me that they have sold my account to different collector companies starting on XX/XX/XXXX, but all the collectors closed the accounts, so Nissan kept selling the account to a different collector over the past 7 years/ almost 8 years. However, Nissan never contacted me, nor the many collector companies to include XXXX XXXX. I requested to speak to a supervisor and was informed the supervisor was busy. I asked if it would be possible to get a detailed account history report with all the collector companies and their reason behind them closing the collector accounts for over the years. I was told Nissan did not have that information. I asked if I could speak with a person from Nissan that was willing to explain the charges, provide documentation and wanted to work on a payment agreement. I was told to contact XXXX XXXX. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX
Product: Credit card or prepaid card

They took the entire balance due from my bank account, even though I never authorized it. I have multiple emails, of my authorizing the minimum due on a certain date. And they went ahead and took ALL of the balance due, leaving me with a zero balance on my bank account. To say I'm XXXX XXXX is an understatement. The emails attached were me scheduling the {$100.00} payment for XX/XX/XXXX, which I set up on XX/XX/XXXX, which I then canceled, and set it to pay on the XXXX, as I wasn't sure if I'd have all the money on the XXXX. And on the XXXX they took the whole balance, without my approval.
Product: Vehicle loan or lease

The car that I have was a lease. I leased the car in XXXX  and I moved it to XXXX. Hyundai has not and will not send me the paperwork I need to transfer the registration to XXXX. I have called the company 20 times, and I have submitted a complaint to the XXXX XXXX XXXX. 

They asked me to mail in the information that they need and I mailed it into them almost 3 months ago. Now they are saying oh we dont have it mail it to us again. I am not going to do that its very simple what they need to send me. Its just permission to register the car in the state of XXXX  or a limited power of attorney to register the car in the state of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is still reporting that I am delinquent with them when they no longer own the debt and sold it to another company. I have no account or contract with them but they are still reporting. I have asked for verification numerous times in writing to get none.
Product: Debt collection

XXXX have never had an account with this company ALDOUS XXXX, REMOVE from all credit agencies from reporting. 
XXXXconsumer  means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a  ( XXXX ) XXXXThis  letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication XXXXI am the consumer mentioned in 15 U.S. code 1692a ( XXXX ) You are ALDOUS AND ASSOCIATES the debt collector 15 U.S. Code1692a ( XXXX XXXX I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( XXXX ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( XXXX ) XXXX.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) ( XXXX ) and ( XXXX ) XXXXAccording to 15 U.S. Code 1962e ( XXXX ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
XXXX15 U.S. Code 1692e ( XXXX ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
XXXX mentioned in the 15 U.S. Code 692f Unfair practices ( XXXX ) XXXXWhile pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
XXXX15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( XXXX ) ( XXXX ) ( A ) ( B ) ( XXXX ) XXXX. Mentioned in 15 U.S. Code 1681a ( XXXX ) ( XXXX ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( XXXX ) of this title, the exclusions in paragraph ( XXXX ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.