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

Open cfpb. Complaint numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX This is my second formal request for the removal of the unverified accounts listed below from my credit report, which is a violation of 15 U.S.C. 1681. Given the recent Equifax data breach and the subsequent appearance of fraudulent accounts on my report, I again request their removal. 



The Fair Credit Reporting Act ( FCRA ) requires verification of all accounts reported. Your previous investigation concluded with written confirmation that these accounts were verified, which is unsatisfactory. I request the documentation used to verify these accounts, the name of the verifying employee, and the specific documents utilized in the verification process. 



Please furnish this employees name, business address, and telephone number. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, verify signifies to prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate, and verification denotes confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. The purpose of verification is to ensure good faith in a partys assertions. This necessitates your companys capacity to produce documentation substantiating my ownership of the disputed account ( s ) and the accuracy of the reported information, demonstrable in a court of law should litigation ensue.

A company representative with firsthand knowledge of the disputed accounts and their complete history must authenticate the supporting documentation under oath and penalty of perjury. As you know, current Federal case law holds consumer reporting agencies strictly accountable for the accuracy of reported information, demanding more than simply repeating data from third parties. Furthermore, courts have ruled that a reinvestigation shifts the burden back to the consumer, and the creditor fails to meet the requirements of 1681 ( a ) ( 4 ). Your failure to provide the verification documentation indicates an inability to verify the disputed accounts. Therefore, under FCRA Section 611 ( 5 ) ( A ), you are obligated to delete all unverifiable information promptly. The law clearly outlines the civil liability and remedies available for negligence in this matter.

Failure to comply with this Federal Law constitutes noncompliance ( Section 617 ). As a consumer, I plan to pursue legal action to enforce my rights under the FCRA. I request immediate verification or deletion of the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Consumer law rights I XXXX XXXX and XXXX XXXX will like to exercise our rights. 

New City Funding is claiming to have being there during the sale but that is a lie because we were on the phone with them at the time of the sale and XXXX was required to be put down. Which is unfortunate because they were suppose to exercise the truth and lending law 15 USC 1622b.

Now 15 USC 1692 F states it was illegal for them to repo our car - ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.

New City Funding disclose our information to a nonaliated third party.The company thatrepode our car there was no contract in place. Nor were we given a non-disclosure form.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code ( a ) Notice requirements Except as otherwise provided in this subchapter, a nancial institution may not, directly or through any aliate, disclose to a nonaliated third party any nonpublic personal information, unless such nancial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A nancial institution may not disclose nonpublic personal information to a nonaliated third party unless ( A ) such nancial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Another law I would like to add is 15 USC 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers.

Now it's a 1,000 per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company discovered a breach of personal information on XX/XX/XXXX and did not report it to the public until XX/XX/XXXX. Meanwhile there is someone putting inquires on all my credit reports because they have my information and the company has failed to inform me or anyone of that matter. It took 6 weeks for myself and other consumers to find out, while in the meantime credit reports and scores are being affected. On top of that in there findings 3 executives decide to sale there share of the company and protect their self and personal information has been compromised. These unauthorized inquires should be removed.
XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Specialty - Shoe, Hat, Etc.
XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXXXX/XX/XXXX+ All Banks XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX
Use Credit Union Inquiry fromXX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Specialty - Shoe, Hat, Etc.
XXXX XXXX Inquiry from XX/XX/XXXX+ Credit Unions XXXX Inquiry fromXX/XX/XXXX + Bankcard XXXX Inquiry fromXX/XX/XXXX
Product: Student loan

My problem is this : back in 2006 my spouse and I did a spousal consolidation loan to make it easier to make one payment together. These loans are impossible to untangle, and make it impossible for either of us to qualify for loan forgiveness, even though we have the requisite 120 payments and public service. We are only excluded from these programs because of the consolidation of our FFEL loans.

Further, I had to apply for loan forgiveness three different times and be rejected for three different reasons, none of which were the spousal consolidation, but all of which were because of the spousal consolidation. 

A growing number of us are discovering this problem and we would like the CFPB to join us in pressuring Congress to do the right thing so we can disentangle these loans. What a mess this program has been!
Product: Mortgage

I have tried numerous times t o reach OCWEN to be told that I have to wait on hold for a number of callers in front of me. When my turn arrives, the automated system disconnects my phone call. I regularly wait in excess of 50 minutes, just to be disconnected. Today, I waited 53 minutes to be told by a recording that the offices were " now closed '' even though  it was  XXXX  and the recording said the office hours were until  XXXX .
Product: Credit card or prepaid card

I made a payment through my credit unions bill pay service ( XX/XX/2023 ), and the creditor has not applied it and says ( via email this morning XX/XX/2023 ), payment is due XX/XX/2023 but it was paid on XX/XX/2023. ( See Attachments as proof of payment ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Please annul these not compliant alleged accounts deficient of physically verifiable proof of adequate from anyone exactly and lawfully identified as me ... XXXX  XXXX XXXX were paid and satisfied as agreed ... Failure to demonstrate proper evidence requires that you eradicate all of these following untimely, untrue, incorrect, deficient of permissible purpose or otherwise not compliant allegation accounts
Product: Debt collection

I had a past due amount from my account on XXXX XXXX XXXX from a XXXX bill. I transferred my bill in XXXX of 2024. I got a collection notice from Harris & Harris. They informed me, I owed the full amount of money to them and that I need to pay in order to get it removed from my credit report. I called XXXX and they informed me that my account was never sent to collections and my account is in good standing and apart of the price match program. XXXX is currently investigating the creditor. 

Reference number : XXXX Creditors account number : XXXX XXXX
Product: Credit card or prepaid card

I opened a credit account from Bank of America for six years. Because I live oversea, so I didnt used the card, then Bank of America closed my card without inform me. I have a lot reward in the card. And this is my first credit card, it hurt my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The list of accounts below have violated my Consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEPT. OF EDUCATION - XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 ) States A consumer reporting agency can not furnish an account without written permission.

15 U.S.C. 1681c. ( a ) ( 5 ) States that as a consumer reporting agency you can not furnish a consumer report containing any adverse information other than records of conviction of crimes in 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 the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and request that the following inquiries be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As these inquiries were made without my authorization or consent due to the breach, I am exercising my rights to have them removed. 
The inquiries in question are : XXXX. XXXX XXXX Date : XX/XX/year> XXXX. XXXX XXXX  Date : XX/XX/year>
Product: Credit reporting or other personal consumer reports

Once I disputed the XXXX on my credit report transunion made a total of XXXX changes which dropped my credit score XXXX points. I called fasfa and they corrected it. Once removed it went up XXXX points. Made my credit card payments on time. Trans union dropped my score XXXX points because my credit card decreased. I have a few credit cards that are XXXX percent paid off more than a month ago. They still say I owe on them and they are paid off already. Why would it drop if your making your payments on time
Product: Credit card

We used our Kohl 's credit card to make a purchase at Kohl 's department store on  XXXX / XXXX /  XXXX   in the amount of {$110.00}. Of note is that we had established paperless billing. Unfortunately, our e-mail address was changed and therefore we never received the statements to pay the charge. We also did not receive any phone calls or posted mail regarding the outstanding charge. On  XXXX   XXXX ,   XXXX   a gentleman, stating he was from Kohl 's, called to say that our account was in arrears, and I immediately paid the amount in full over the phone, explaining that we had no idea that we were in arrears, and apologized profusely. We were shocked to discover that it had been reported to credit agencies! We were in the process of purchasing a home, and due to the " delinquency '' we lost out on the mortgage and lost our ability to buy a home. We were and are devastated. I wrote lett ers to Kohls and sp oke with customer service, however they wrote back, dated  XXXX / XXXX /  XXXX  , that they will not remove the delinquency from our credit reports. We had FICO scores of over  XXXX  before this happened, and mine dropped to  XXXX . This, to show that we ALWAYS paid our bills and our credit worthiness has been extremely important to us.   We feel, at the very least, that  Kohls should have at least tried to contact us by telephone or by post mail to warn us that we were in danger of going to collections, but absolutely nothing from Kohls until the gentleman called and we paid in full at that time. We lost our credit worthiness for a mere {$110.00} owed and no attempt by Kohls  to collect it except at the time to put a delinquency on our credit. I went back and checked our old e-mail, and saw the  2  statements, however, again nothing about going into collections or a negative being put on our credit. There were only late fees. We can not believe that they can put a negative on our credit reports after onl y 5  weeks. The amount was due on  XXXX / XXXX /  XXXX   and we paid on  XXXX / XXXX /  XXXX  ! Please help us! Thank you!
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I was contacted from a representative/organization purporting to be XXXX XXXX XXXX Before answering the call, I searched the number online, and it came back as being from XXXX. After receiving confirmation that it was a XXXX number, I answered the call. They claimed that my account was in danger of disconnection, and that I needed to pay my past-due balance in order to avoid disconnection of service. They asked if I was aware of their fast-pay option through XXXX. When I said no, they proceeded to inform me about it and collected a payment of {$120.00} After making the payment, the call disconnected and I immediately called XXXX back. The representative I spoke with informed me that this was likely a scam, and tha that they had received numerous reports from customers who had been similarly defrauded by this very scam. I filed a report with the representative from XXXX and immediately called my bank, Wells Fargo, to report the fraud and begin the investigation process. My initial Wells Fargo claim was denied. Following this, I asked to have the claim escalated to the Executive Office, who also denied my claim, saying that that claim was completed as requested and no bank error occurred.
Product: Money transfer, virtual currency, or money service

I started investing into crypto currencies with Coinbase. I've put in a couple of thousand dollars into the account and bought some cryptocurrencies. One day they decided to lock my account. That was back in XX/XX/2017. Upon sending multiple emails, they continued to ignore me until XXXX where they finally asked me to submit my ID which I had done upon opening the account. 

I resubmitted everything and could see that they have picked up the files and I continued to follow up as the reason why my account was locked was never given to me. 

To my delight I found out that they have established a call centre. I took the action to follow up through their call centre only to be abused because they couldn't tell me anything other than someone is working on it. You can imagine how upset I must have been. They basically scammed me out of my account and will not give me access or provide reasons whatsoever! 

It is now coming to the end of XXXX and I have lost all these opportunities to trade. I don't even know where my money is right now they would not even confirm my account balance. What sort of a financial institution is this? Please help me get my funds back!
Product: Vehicle loan or lease

On TD Auto Finance website when you select single payment there is one line that reads Personal Checking Account Info : however no where in the terms and conditions does it state all transactions that are processed will be ran hard coded as an ACH checking transaction. Over the phone for single payments representatives ask if the payment is coming from a checking or savings account. If you setup the payment online to be recurring it gives the option to choose checking or savings. By allowing consumers to choose checking vs savings for over the phone but only allowing the consumer to choose if it is done as an automatic payment is deceptive. Hiding the wording in the title does not in fact change the responsibility of TD Auto Finance to disclose in their terms and conditions that all transactions submitted using the one time use payment function will be ran hard coded as an ACH Checking transaction. TD Auto Finance by running this transaction hard coded as an ACH Checking account despite the account being labeled as Savings in the description caused a {$25.00} courtesy pay fee on my checking account. On XX/XX/2021 I spoke with an agent and then also a supervisor in their customer support area regarding the online payment. Both agents did not feel there was an error made on TD Auto Finances side as there is the one line that states Personal Checking Account Info where you input your data. I disagreed and asked to file a complaint. On XX/XX/2021 I spoke with an agent in the complaints department who agreed with the other two agents that their website is clear that it would be pulling from a checking account. The terms and conditions that I agreed to state they are authorized to pull from the account number and routing number provided. The account the payment was pulled from was in fact a different account as the account number provided was my savings account number, however, due to TD Auto FinancXXXX hard coding the transaction as a checking account it was incorrectly routed to my checking account. The agent I spoke with in the complaints department confirmed that even with that being said their website is clear and no error is made. I asked for TD Auto Finance complaints agent to place their response in writing however he declined to do so.
Product: Mortgage

When covid virus shutdown started in XX/XX/2020, I contacted my mortgage company Midland Mortage. They said in XXXX that if I qualify for program rhat I could put the payments I missed, on to principal amount on loan. Now I find out this is not the case. This is a valid case of miss representation.
Product: Credit reporting or other personal consumer reports

To whom it XXXX concern, after going over my credit reports I found several issues. I have listed them below and asked that you please help me remove these inaccurate accounts. I have included my ID and social and an FTC report. Account name : XXXX XXXX XXXX XXXX Account number : XXXX Amount : {$25000.00} 15 usc codes 1681c 1681b 1666b 1692c 1605ai
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi CFPB, I am new to credit and I am currently improving my credit. I checked my credit report today ( XX/XX/XXXX ) and saw that I have a few inquires that I never authorized. I had my social security number stolen in the past and thought that the credit bureaus put a freeze on my credit report so no one uses my SSN for credit. 

Here are the inquires that I never authorized XXXX XXXX XXXXXXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2023
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block , inc . ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ) .specifically, cash app failed to take timely 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 error 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: Student loan

Nelnet has now systemically and consistently demonstrated negligent and fraudulent practices.

Nelnet misapplied a {$30000.00} payment which caused great financial stress and hardship.

Since that time, Nelnet managers and advisers have consistently provided false and misleading information when I have asked for all my options to assist with repayment. 

In the most recent incident occurring between XX/XX/18 - XX/XX/18, I called this shameful group to discuss options for repayment. I explained to this company that I have been filing applications for borrowers defense since I went to a " for profit '' university who I charge made misleading statements regarding my job prospects, income prospects, and so forth. The manager, XXXX, said that Nelnet receives applications from borrow defense " within 24 hours '', which turned out to be a viscous lie. Another manager confirmed that Nelnet receives the request whenever the DOE sends them.

I explained to yet another manager that due to all of this, I have been homeless for the last 5 years. I explained my situation and she advised me to consolidate all my loans so I could qualify for a low income apartment grant. I was absolutely shocked and sickened to find out I could do this directly with the DOE. Further, Nelnet has lied when it said that my only other option was to put all loans on " administrative forbearance ''. AT NO TIME did they tell me I could consolidate into an easier payment plans. Nelnet has consistently advised me that I am ONLY able to consolidate with PRIVATE lenders.

Nelnet did not at any time advise me that this was an option. Had I known this, I could have not been XXXX for the last 5 years, could have avoided massive interest assessment, and could have begun a reasonable repayment plan. Shame on Nelnet.

I have spoken with an attorney and, despite using what little money I have to stay warm and get food, I will use that money to take legal action against Nelnet if this issue is not resolved as soon as possible.