23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a bank account in XXXX ND. DCI froze my account and took 100 % of funds in that account. 
I am on SSDI every dollar I have was from SSDI. 
I have another very old federal bank they did not touch. But I have no available branch. So I transfer to my local bank for better access, I called DCI, they basically said too bad so said and took 100 % of available funds, and have my account frozen. 
This is not legal!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against XXXX XXXXXXXX XXXX XXXX XXXX XXXX  is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that XXXX XXXX XXXX is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave XXXX XXXX XXXX any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiry is being fraudulently furnished. I did not authorize, benefit from, nor consent to this inquiry and I demand it be removed from my consumer report immediately : XX/XX/2021 ( XX/XX/2021 ). If this inquiry is not removed, I will hold XXXX XXXX XXXX criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative item on my consumer report is preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If XXXX XXXX can not provide to me a copy of when I sent a written permissible purpose to validate this inquiry, I demand for it to be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiry that is being fraudulently furnished.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I disputed with all three credit bureaus inaccurate inquiries on my credit report. XXXX advised me to reach out to the companies in regards to these car loan dealership finance dept in regard to these unauthorized inquiries. After speaking with XXXX XXXX XXXX about this type of inquiry they advise me to contact the dealership finance dept to retrack these reporting activities because the third party does n't have control of this reporting activity. I contact rhe dealership finance dept and the finance stated he did n't know how to request deletion from the bureaus. OnXX/XX/XXXX, I spoke to a saleman at a XXXX dealership and advise him that I was interested in leasing with XXXX ; therefore, I DO N'T want my credit pulled by no other companies, he advised me it would n't since all leases are done by XXXX. On XX/XX/XXXX, I was contacted by XXXX that I could be approved for year end close out lease option that would be less expensive. To say the lease the dealership outsource my data without my permission.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and spotted a late payment on the following date : 30 days late in XX/XX/2016 I am not sure how this happened I believe I made my payments to you when I get my statements. My only thought is that I did not get the statement that month.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXXXXXX 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 XXXXXXXX, has violated my rights.

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 an account without my written instructions.
Product: Payday loan, title loan, or personal loan

Filed complaint about this company in XX/XX/2019, like XXXX XXXX seems to enjoy dangling loan offers that dont exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a confirmation of credit reporting on XX/XX/XXXX with the United states bankruptcy Court and and filled a dispute with all three credit reporting agency also a 3rd Party reporting called XXXX XXXX.I received a letter from the United States Bankruptcy Court stating that they do not report to an credit reporting agency or any third party reporting agencies. I sent the letter asking the agency to have the judgement removed and they still have not removed it only updated on my report on XX/XX/XXXX. In again resent the information to the credit Bureau on XX/XX/XXXX asking to verify this incorrect information. With out even looking into my concern, the resent me the same letter stating that it was verified stating that it was verified by a 3rd party consumer agency called XXXX XXXX. I then contacted XXXX XXXX on XX/XX/XXXX voicing my concern ans and filed a dispute.. On XX/XX/XXXX I received verification from XXXX XXXX that the can not verify my Bankruptcy and it has been removed. I would like to have the judgement removed immediately due to the fact that it is not verified and not accurate information. Thank your for your support.
Product: Checking or savings account

XXXX sent through transactions that should not have been approved due to funds being low. 

XXXX has said the token expired.
Product: Credit reporting or other personal consumer reports

Inappropriate monitoring of my credit, I don't recognize this review, I need it removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Balance : {$1800.00} XXXX XX/XX/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 XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bridgecrest Auto Loan used my name in their response many times and I was asked not to use any personal information. First off the loan was to rebuild credit that was never on my credit before Covid so it didnt help. They only put it on there after my business was shut down and I was hospitalized 3 times in 2022 and my bank account with fund raising money was taken and I was stuck in the hospital. The promise to pay was from the account that was compromised and I asked it be removed. Plus how can you do this to a person whos fighting for their life and was still doing her best to pay her bills I didnt ask for any of this. How can you charge off a vehicle that you didnt charge off? If you did thats not legal. You cant charge off ( write off ) a loan youre still collecting money on. Plus you sold not only me but many many people wrecked vehicles and did nothing to reimburse them. So this is how you handle customers who were affected by the pandemic left having to fund raise money for medical care because you wrecked their credit and refuse to remove it? This is what your company stands behind? All I asked was for you to take it off since Im paying the loan so I can get medical care and you cant even do that. This is sad very sad!
Product: Debt collection

Company is stating that I owe XXXX. This is not my debt, I tried calling XXXX and that number is not in service
Product: Credit reporting

I had a debt in collection resulting from a visit to an emergency room. The original debt was from XXXX and was turned over to XXXX for collection. I paid that collection in full on XX/XX/2017, and notified both XXXX and Equifax of that on XX/XX/2017. XXXX removed the reference from my credit report 2 days later. Equifax, despite repeated requests on line, by mail, and by phone, has yet to take action 39 days later. They assigned a confirmation number ( XXXX ) to this, but a check still shows it as " pending ''. I submitted another request on XX/XX/2017, which was assigned confirmation number XXXX which an online status shown as " completed '' with the note " The following disputed account or inquiry is currently not reporting on your Equifax credit file : XXXX ''. I have checked and rechecked my Equifax credit file and this collection is STILL shown as open and it is greatly impacting my credit score ( by some XXXX points ). When contacted again about this, Equifax sent me a " Research Request Form '' which I promptly filled out and returned to them. To date, I have heard nothing back from them. I am attaching various documents related to this, including the documentation that this collection was paid in full back on XX/XX/2017, as well as screen prints from the Equifax online dispute website showing the times I have tried to resolve this, as well as a copy of the Research Request Form sent to me by Equifax which was filled out and returned to them. I just do n't understand why they can not act to close out this collection and remove it from my credit report. Again, with EXACTLY the same information, XXXX resolved this in 2 days.
Product: Mortgage

I had worked with CENTRAL MORTGAGE FUNDING ( CMTG ) for a loan with an objective to get some cash-out about XXXX to XXXX to help save the Kitchen and Remodeling Franchise business we had. 

CMTG was able to underwrite the loan provided a Loan Estimate with {$87000.00} cash-out, and on XX/XX/2022 : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- at the time of signing the Initial Disclosure, the cash-out was XXXX. 

But on XX/XX/2022 : however the final closing disclosure ( CD ) document had a cash-out of {$8700.00} 1. On the closing signing in event at my home a settlement officer came to get the signatures for the closing document. 

2. I refused to sign the CD, the settlement officer calls the loan officer late around XXXX XXXX to tell him that I am not signing the document. 

3. The loan officer then talks to me on speaker on the same call and pleaded with me several times for almost 10 minutes and told me that I have XX/XX/2022 to cancel the loan. 

4. At this point, we obliged to sign the document. 

5. Due to significant work that week ( Thursday and Friday and weekend ) due to a deployment for migration in my job, I had hardly had sufficient time to go thru the document. But on Sunday, I decided to cancel and on XX/XX/XXXX I signed the Notice of Cancelation and duly sent to Mortgage officer by email and as well by USPS overnight. 

Loan officer again tried to convince me to take the loan, I refused then he said the funds have been already disbursed so asked to talk to the mortgage company and have the money returned back. 

I worked with mortgage company had it returned on XX/XX/2022 after several calls with the previous mortgage company. 

But what title company did was to send another wire with the exact payoff amount which the automatic system took it and closed the loan. 

Now, the second mortgage funds with bank ( an SBA loan ) was not paid until XX/XX/XXXX week because the bank got acquired by another bank and they were not aware there was a payoff for my loan. After several follow-ups, they found where the funds were and got paid in XXXX. 

The other checks are still with me as instructed by the loan officer were never cashed. 

Now, they send an email that I have signed the CD and the loan can not be reverted. 

I feel cheated and distraught as the loan had added another XXXX XXXX to my debt. I am alreayd XXXX XXXX XXXX, the only way, I can payoff this loan is to sell it as I donot have the capacity to pay {$3700.00} every month after my retirement which I am yet to decide. 

I need justice, but legally, I have no options.
Product: Credit reporting, credit repair services, 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 privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXXXXXX 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 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish 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 XXXX 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 card or prepaid card

Valley Bank called after hours and demanded payment. I attempted to explain that I can not afford to pay its high interest rates and that it is charging me a late fee for each and every month of a running balance. 

I said either they lower the interest rate or I shall be forced to declare bankruptcy!
Product: Debt collection

XX/XX/XXXX I contacted the center director from XXXX to again request correction of the amount owed. She told me she could not because records were sent off site. 

XX/XX/XXXX Debt was reported to credit bureaus. 

XX/XX/XXXX I contacted National Recovery Agency to dispute the amount. 

XX/XX/XXXX XXXX said account would be noted as in dispute, requested supporting e-mails with the center director. 

XX/XX/XXXX XXXX said if XXXX could not validate the debt the account would be closed. 

XX/XX/XXXX XXXX said it takes 45 days for validation and they had not been authorized to report to credit bureaus yet. 

XX/XX/XXXX I contacted NRA to follow up since it was long past the 45 days. They said We have no control over the processing time as it depends solely on our client.
Product: Credit reporting or other personal consumer reports

My accounts 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 to be removed/updated.

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. 

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!
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX On XX/XX/2022, I applied for two credit cards with XXXX XXXX XXXX, and to my dismay, I was denied due to adverse information obtained from my Equifax credit report. 

Upon reviewing my Equifax credit report through XXXX XXXX, I discovered the presence of a delinquent account that had been added to my report. This derogatory account has significantly impacted my credit score and creditworthiness, causing me to be denied for credit cards and other financial products for which I would have otherwise been qualified. 

I was not informed in writing or through any other method of communication that this derogatory account would be added to my credit report. 

I have diligently disputed this account several times with Equifax, requesting an investigation into the charged-off derogatory account and its removal from my credit report due to the severe damage it is causing to my creditworthiness and the hardships it is creating in my life. 

Despite my numerous disputes and multiple letters sent to Equifax, I have not received any documentation from your Equifax, and the derogatory account continues to wreak havoc on my creditworthiness. 

In an effort to facilitate the reinvestigation process, I have also provided pictures documenting my communication with Equifax. 

I kindly request that Equifax Credit Information Services , LLC reopens an investigation into the account in question and promptly remove it from my Equifax credit report. 

I understand the importance of maintaining accurate and up-to-date credit reports, and I believe that a fair and thorough investigation will reveal the need for the removal of this derogatory account.
Product: Credit reporting or other personal consumer reports

am writing to file a formal complaint against XXXX, EQUIFAX, AND XXXX regarding their unauthorized and illegal reporting of my educational records, specifically the transaction history, to my consumer Credit Report. This action by XXXX, EQUIFAX, AND XXXX is a clear violation of the Family Education Rights and Privacy Act ( FERPA ) of 1974. The Family Education Rights and Privacy Act ( FERPA ) safeguards educational records, encompassing a wide array of information, including but not limited to grades, transcripts, disciplinary records, and personally identifiable information ( PII ) directly linked to a student. Transaction history pertinent to educational loans or financial matters, although not explicitly outlined in FERPA, falls squarely within the realm of protected information due to its direct association with the educational journey and financial status of the student. As custodians of these records, XXXX, EQUIFAX, AND XXXX are bound by FERPA regulations. However, they have egregiously disregarded these regulations by Furnishing/reporting transaction histories to consumer reports without obtaining my explicit consent, thereby breaching the privacy rights guaranteed under FERPA. Moreover, the Privacy Act of 1974 supplements FERPA by regulating the collection, use, and dissemination of personal information by federal agencies. This act establishes stringent measures to ensure confidentiality, accuracy, relevance, and proper use of personal information. XXXXDEPARTMENT OF EDUCATION 's disclosure of my transaction history to consumer reporting agencies without my explicit consent constitutes a blatant violation not only of FERPA but also of the broader principles established under the Privacy Act of 1974. These actions compromise the confidentiality and privacy protections afforded to my educational records and personal information, resulting in tangible financial damages and emotional distress. Despite my attempts to rectify this matter directly with XXXX, EQUIFAX, AND XXXX, their failure to acknowledge or resolve the issue necessitates the intervention of the Consumer Financial Protection Bureau. I am seeking accountability for Their actions. I kindly request that the CFPB investigate this matter thoroughly and take appropriate actions to rectify the violations committed by Removing All of the Information pertaining to financial transactions that associate with my Education that they furnished upon my report. Please do not hesitate to contact me for any further information or clarification needed to pursue this matter. Thank you for your attention to this urgent issue. I trust that the CFPB will take necessary steps to address this grievance and ensure justice is served.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX Transworld Systems Inc reported an account under my credit that does not belong to me. I have tried for 2 months to get this resolved thru the credit bureaus and thru the collections agency at no avail. Transworld 's customer is XXXX XXXX. I have not been able to get a hold of who handles this account on the XXXX XXXX end because at the end of XX/XX/XXXX there was a merger in which XXXX XXXXXXXX bought XXXX XXXX but the merger did not include any Texas service address- the account in question was opened in Texas under a XXXX XXXX XXXX I have provided proof that I do not reside in Texas and that my name is XXXX XXXX. Note that the spelling on the account is slightly different as their costurmer 's last name is XXXX and mine is XXXX. I have never gone gone by the last name XXXX ( my maiden is XXXX ), I have never resided in Texas not done any business in Texas. 

I became aware of this account due to a credit alert. I was informed that the service address listed is XXXX XXXX XXXX XXXX Tx. The service date was XX/XX/XXXX. 

Transworld indicates that that they are waiting for XXXX XXXX to validate the account but they are not getting any response from XXXX. 
I was advised that XXXX XXXX took over those account with a Texas service address that were not assumed by XXXX XXXX- I have contacted XXXX XXXX  but they informed me that they do not show my account on their system ( probably because it was already in collections ) and they referred me back to Transworld Systems .