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

The mentioned accounts egregiously violate several federal laws, notably within the framework of the Fair Credit Reporting Act ( FCRA ) and the Family Educational Rights and Privacy Act ( FERPA ). These violations are detailed as follows : 1. **Account # XXXX ( Experian ) : ** - XXXX15 USC 1681a ( FCRA - Accuracy of Consumer Information ) : ** The reported account falls short of the accuracy standards mandated by FCRA, constituting a breach. 
- XXXX16 CFR 313 ( Code of Federal Regulations - Opt-Out Mechanism ) : ** Non-compliance is evident through the glaring absence of a clear and conspicuous opt-out mechanism, as required by 16 CFR 313.

- **15 USC 6802 and 15 USC 6803 ( FCRA - Consent for Information Sharing ) : ** Blatant transgressions occur due to the lack of clear consent for information sharing, a direct infringement on privacy standards.

- **15 USC 1681b ( FCRA - Permissible Purpose Requirements ) : ** The violation of 15 USC 1681b underscores a failure to adhere to permissible purpose requirements.

- **20 USC 1232G & 34 CFR 99 ( FERPA ) : ** Reporting student loan information without explicit consent violates FERPA, which safeguards the privacy of student education records. 

2. **Account # xxxxxxxxxxxxx 0001 through xxxxxxxxxxxxx 0009 ( XXXX XXXX : ** - The same violations as described for the Experian account apply, encompassing breaches of FCRA and FERPA. 

3. **Account # XXXX ( XXXX ) XXXX ** - The inclusion of this account in the credit report, without explicit consent, is a direct contravention of FCRA 's and FERPA 's requirements, echoing the violations detailed above. 

These violations collectively encompass illegal reporting of transactions, sharing consumer non-public information with non-affiliates, and unauthorized disclosure of educational records. Immediate corrective action, including account rectification and compliance with the stipulated laws, is demanded. Failure to address these violations promptly will result in legal action.
Product: Credit reporting or other personal consumer reports

Skopos Financial is reporting a late payment on my account for XX/XX/XXXX. That is incorrect. I was approved for an extension which covered XX/XX/XXXX and XX/XX/XXXX. So payment could not have been late for XX/XX/XXXX since extension was in effect. After multiple attempts to figure out why they reported late. I spoke to representative which then told me it was from XX/XX/XXXX payment that was reported. That as well is incorrect. Payment was made 4 days after the due date which i have a grace period to do so. Representative agreed. He said it was reported in error and that i had to dispute it with the credit bureaus to get corrected. He also stated that they would credit the late fee charge that was applied to my account since that was a billing error. I asked if they could correct it on their side since it was their error. He said they couldnt. But that he could provide me with a transaction history to prove my payments were made accurately. I have not received that transaction history. This has been very frustrating because this is severely hurting my credit score. i continue to contact skopos to try to get it resolved and they have been no help other than apologizing on their behalf for their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I've mailed multiple letters to Transunion disputing an inaccurate account on my credit report. I've pointed out these inaccuracies and this bureau continues to allow this inaccurate information to be reported on my account. The account that they are reporting is an old auto loan, they are reporting that I'm 120 days late when I am not in possession of the car. The open date, last date active, account type, and payment status are reporting incorrectly and are a violation of my rights. I have attached a copy of my credit report highly these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

My exhusband defaulted on his credit card with XXXX XXXX. 

When my divorce judgment was finalized and filed with the court in XXXX of 2017, I telephoned XXXX XXXX and requested that I be removed from what I believed was our joint credit card. XXXX reported to me that it was not a joint account, but I was a signer on the account, therefore I had no authority to remove my name from the account. 

The divorce judgment clearly gives my husband all XXXX accounts. I was a joint holder of a XXXX checking account and a savings account. In that I did not sign any document to remove my name from those accounts, it would be reasonable to conclude that my exhusband used the judgment to remove my name from the accounts, therefore, XXXX is aware that I am not an owner on the credit card and that the debt was awarded to my exhusband. XXXX has willfully and intentionally reported this bad credit on my report. 

I applied for a loan and due to XXXX 's reporting of over {$24000.00} in bad credit on my credit report, was denied a fair and appropriate loan.
Product: Checking or savings account

XX/XX/2023 I would like to file a complant against Wells Fargo Bank. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Tel : XXXX I have a checking and saving account number : XXXX XXXX XXXX and I am the principal. 
I have been trying to buy a CD for $ XXXX and they never took time to work with me, Did not call me as they promised, Cancelled two appointments, complained to Executive offce, talked to XXXX and no follow up or result. Waisting my money without earning interest.case number XXXX. 
Your cooperation will be greatly appreciated. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLANT. I'm not using any third party for this matter and represent myself by myself. I'm sending this complaint because I have pulled up my credit report just recently and I noticed some hard inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section XXXX of the FTCRA. The hard inquiries that are being disputed, do not belong to me. My position is being clearly stated, these hard inquiries do not belong to me, meaning that you are reporting inaccurate information within my credit file. Equifax is reporting the INQUIRIES that are the result of the fraudulent activities. Therefore, these inquiry must be deleted from within my credit file. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this Inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file. I have filed FTC report for this matter. Here are the list of these fraud items : 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 
Please remove these items from my report as soon as possible, I have included the copy of my SSN, driver license, proof of address and copy of FTC report.
Product: Debt collection

I have sent VOD letters to XXXX XXXX XXXX, XXXX XXXX XXXX, Portfolio Recovery Associates, and XXXX XXXX XXXX. I received a call this morning ( XX/XX/year> ) around XXXX to be exact from XXXX XXXX XXXX XXXX Called back at XXXX. First, they could not tell me who they were calling from ( the company they are representing ) then when I brought up the VOD letter I sent them the guy put his manager on the phone and his manager started calling me names, telling me I do not know what I am talking about, saying that THEY DO NOT HAVE TO LEGALLY SEND ME THE VOD!!! Then proceeded to tell me that my VOD letter was " just found on the internet and it doesn't mean anything ''. I have not received a response from any of the other companies yet. I am still awaiting my VODs from these companies and frankly, they all have invalid/incorrect information on me such as email, phone number, etc. Therefore I would like these removed from my credit report and I would like such calls to STOP. This is a violation of my rights under the FCRA. 

NOTE TO ADD : These companies have 28 days left to send the VODs.
Product: Vehicle loan or lease

Every payment had late fees added to the statement. Even though I was never late on those payments. 
Spoke to an agent and he was answering my question with questions and could not be upfront on why I was getting different amounts of late fees every month
Product: Money transfer, virtual currency, or money service

I opened an account with Transferwise, my credit card was charged with the following charges : XX/XX/2020 TRANSACTION FEE Fees & adjustments {$10.00} XX/XX/2020 TransferwiseCom_USD Personal {$9.00} XX/XX/2020 TransferwiseCom_USD Personal {$51.00} Total Charges {$70.00} I was trying to use the service to send money abroad and I was Told by their customer service representative that the account was closed, I request a full money refund. So far I haven't received any refund, funds or any communication from this company, They decided to keep my money.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft numerous loans and credit cards were taken out using my personal information without my knowledge. In 2023 I found that XXXX XXXX loan showing on my credit report, I immediately filed a report on identitytheft.gov. The account was removed from credit reporting agencies, recently I found that the account had been placed back on my credit report. I have contacted XXXX XXXX, their collection company and the major credit reporting agencies without any response or resolution.
Product: Credit reporting or other personal consumer reports

I have XXXX XXXX XXXX on my credit report with no creditor information and i was told they are no longer allowed to report XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Hard Inquiries on Client 's Credit Report - Request for Investigation and Removal Dear Consumer Financial Protection Division, I am writing to bring to your attention a matter of utmost concern regarding unauthorized hard inquiries on my client 's credit report. On XXXX XXXX XXXX my client, XXXX, received a confirmation letter from XXXX regarding the security freeze placed on her credit reports with XXXX, Equifax, XXXX, and XXXX. This freeze was initiated in accordance with the provisions outlined in Michigan Compiled Laws, specifically XXXX XXXX. XXXX XXXX through XXXX. 

Despite the security freeze in place, it has come to our attention that unauthorized hard inquiries have been made on my client 's credit report. These inquiries not only violate the established freeze but also pose a serious threat to the financial security and privacy ofXXXX. The unauthorized access to her credit information raises concerns about potential identity theft or fraudulent activities. 

In light of these circumstances, I am formally requesting the Consumer Financial Protection Division to conduct a thorough investigation into the matter. The purpose of this investigation is to identify the entities responsible for the unauthorized hard inquiries, ascertain the motive behind such actions, and take appropriate measures to rectify the situation. 

Furthermore, I request that the Consumer Financial Protection Division facilitates the prompt removal of these unauthorized hard inquiries from XXXX XXXX XXXX XXXX 's credit reports. It is crucial to restore the integrity of her credit history and protect her from any potential adverse effects on her financial standing. 

Enclosed with this letter, you will find copies of the confirmation letter from XXXX regarding the security freeze, along with evidence of the unauthorized hard inquiries on my client 's credit reports. These documents should assist in expediting the investigation process. 

I trust that the Consumer Financial Protection Division will handle this matter with the urgency and diligence it deserves, ensuring a swift resolution and preventing any further harm to my client 's financial well-being. I appreciate your prompt attention to this serious issue and look forward to the resolution of this matter. 

Thank you for your cooperation. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

i demanded that the following account be removed from my credit report : debt recovery solutions account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

erroneous accounts. I think you have not validatedthese accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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: Checking or savings account

ATM withdrawal on XX/XX/XXXX for {$400.00} ( dispute number : XXXX ) and XX/XX/XXXX for {$400.00} ( dispute number : XXXX ) not made by me. I opened a dispute on both transactions. Dispute XXXX was closed in my favor but the bank will not provide the information used to come to that decision. Dispute XXXX the transaction was determined to be authorized and correct. Merchant Name/ATM location : XXXX XXXX XXXX XXXX XXXX XXXX, CO, XXXX. I have requested information used to come to that decision. The information was not provide in letter sent to me XX/XX/XXXX informing that they determined the transaction was in fact valid. I think the disputes are related both were made at the same location. 

The ATM did not have a EMV chip reader, I did not see a camera. When I called XX/XX/XXXX to report the first invalid withdrawal on XX/XX/XXXX ally bank did not recommend canceling my card or inform me that a {$400.00} withdrawal had been made at the same ATM on XX/XX/XXXX. This is a ATM that is in network ( approved ) by ally.
Product: Vehicle loan or lease

I have a loan with First Investors Servicing Corporation and having an issue understanding their billing method. My payment is due on the XXXX of each month. If I do not pay on this day, they are calling constantly which is harassing since they know that there is a 10day grace period on my loan applies that I have 10days after to pay without a late fee applied.

I need assistance with the company that the calls are not warrant due to the grace period. 
If the payment maybe late, I will be calling them myself.
Product: Mortgage

Bought house XX/XX/2022 Interest rate was 6.75 % Monthly payments were XXXX. 
Since than I have had 6 escrow analysis which all in turn showed a shortage which bumped my mortgage from XXXX to XXXX to XXXX to XXXX in XXXX. 
I have questioned freedom mortgage acct # XXXX continually but always get the same explanation of taxes increase. 
I have not even been in my house 2 years and taxes have increased 4 times. 
I am currently refinancing with Rocket Mortgage using a Veterans streamline loan so I will get some relief from what freedom did to my escrow but my escrow needs to be inspected because if they can rob a XXXX Veteran who mind you is XXXX XXXX  XXXX than imagine how they take advantage of other customers Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax takes off a large amount of my points whenever something is reported bad. When something is reported good they give me a couple of points. I'm working to build my credit and it's hard when credit bureaus want u to pay a fee for XXXX  score update and more. If you don't, you get poor treatment. My XXXX score hasn't been updated in months and that's only when my report is ran for false pre approved cards
Product: Debt collection

I do not have a contract with AFNI. I am not liable for collection of this debt from XXXX XXXX. I am not responsible for this debt so reporting it on my credit is illegal. I am attempted to delete this debt with AFNI with no success.
Product: Checking or savings account

On XX/XX/XXXX, we deposited a Dept of Treasury federal student loan refund payment for {$44000.00} remotely. The account then showed it was on hold for 10 days or until XX/XX/XXXX to clear the payment. Chase Bank has no other process apart from contacting the Department of Treasury to confirm the check is legitimate. I have confirmed the check is legitimate by using the XXXX and contacting my student loan servicer XXXX that the check is in fact legitimate. I have spoken to over a dozen people at Chase and have received a different response each time. As of XX/XX/XXXX, I am late on my rent payment for XXXX, I have three automatic charges that typically go through on XX/XX/XXXX, I can not use my money that I have in my account besides the amount of the check that shows has cleared. They have stated this issue can take up to 2 to 3 years. I can't use the money I have in my account to buy groceries. There is no work around with Chase. It is clear they are unsure of the process and continuously blame the Federal Government for the issue. I need the money in my account for Rent, groceries, mortgage and all the necessities. The last conversation was they will close the account and process a check for the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updated reports, there are incorrect items were found in my which I believe has been taken care of due to the written appeals I sent. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, C ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$220.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
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 violates the Consumes 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 regulations E. These actions has caused significant inconvenience and financial loss I seek appropriate redress for these violations.
Product: Mortgage

Standard Mortgage ( " Standard '' ) placed a forced " hazard '' insurance policy on my account for a total of {$110000.00} in coverage because they were unable to verify my existing coverage. Standard was subsequently provided evidence of hazard coverage my my homeowner 's association and indicated to me that the coverage was deficient by approximately {$22000.00}. I purchased a supplemental policy with {$25000.00} of coverage, however, Standard is attempting to charge my account {$430.00} for coverage from the time in which the forced policy was put in place up until the {$25000.00} supplemental policy was purchased. The {$430.00} is the prorated amount for insurance providing {$110000.00} in coverage. Since I already had a hazard policy in place, and the deficiency in coverage was less than {$22000.00}, I should not be charged a prorated coverage for more that the deficiency in coverage. This in my opinion is an unfair trade practice. Additionally, please note that Standard has clear evidence that the mail they claimed to have sent which requested insurance information was returned to their office and never was delivered to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX I sent Equifax a letter to investigate an account that they are reporting inaccurately. They did not investigate the account. So I sent a follow-up letter on XX/XX/2022. Still no response and no investigation. 

In XXXX I called the state of Colorado to find out how the were reporting this, they stated they are not reporting it due to it not being an active open account. They stated that no one has requested any information from them. 

This inaccurate, incomplete and outdated information is an FCRA Violation and they fact that it has been over 60 days and they have not even investigated this is a blatant disregard for the law. 

Ive included both letters that were sent to them and a copy of my credit report with the inaccurate information
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX signed a vehicle loan with company name ( XXXX XXXX. With an amount of XXXX down on the vehicle at purchase.Car loan was with XXXX & XXXX XXXX the dealer. All payments made on time. XX/XX/year> The dealer and XXXX XXXX stop my financing and put me on a buy here pay here contract. XXXX XXXX has no derogatory payment history with this account under my name. XXXX XXXX also stated that I would be refunded a payment of {$420.00} would reimbursed to XXXX XXXX. 

XXXX XXXX instead reimbursed the XXXX XXXX & XXXX XXXX XXXX. 
Information provided on Experian XXXX and XXXX credit report. 
Are inaccurate reporting derogatory account. All payment history was on time payment. 
I am advising that XXXX XXXX remove inaccurate reporting.
Product: Mortgage

The Money Source is my Mortgage company. I filed a bankruptcy and my case was dismissed in XX/XX/2022. I have been sending in a {$100.00} extra dollars on my account to go towards interest. However, XXXX informed me that they were not applying the payments towards my interest payment instead they were applying it because there attorneys charge their services to the clients whenever a bankruptcy is filed. I have never heard of this before and I said so. At this point I said I have never agreed to this and there is no documentation saying the opposite. XXXX  then informed me that I did not need to file anything because this is done automatically. I want the money I have paid to go to paying my interest down this is the only resolution that I am seeking.