23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive paid XXXX by XXXX XXXX Bank XXXX for a loan amount that I owed. The bank hired zwicker and associates pc to collect the damn. I negotiated a payoff in the amount of XXXX and paid the balance in two payments. Payment one was on XX/XX/21 in the amount of XXXX and the second on XX/XX/21 in the amount of XXXX. Ive contacted both Zwicker and XXXX by XXXX XXXX and they have both been no help. I have a paid off balance letter from Zwicker and XXXX XXXX XXXX XXXX says they do not have it and I still owe the balance. The XXXX companies will not speak to each other as Ive tried everything as a consumer to get this fixed. XXXX has no way of contacting Zwicker to get this updated. They have been reporting that I still owe a balance and reporting me late every month for something I do not owe.
Product: Credit reporting or other personal consumer reports

This inquiry is not authorized and was done by that creditor without my permission! You must remove this as soon as possible.
Product: Debt collection

Called today, XX/XX/year>, at XXXXXXXX XXXX XXXX XXXX, asking for proof of my posted balance that was debited from my account. The person refused at all times to send me proof of how much I owe and the posted balance.
Product: Vehicle loan or lease

I lost my job in XX/XX/2016 there I tried to lower my loan. I then discover that the loan was a simple interest. Because after paying XXXX my amount never went down. The car was repo in XXXX and sold and two this date it is appearing as if I have the car and my payments are late. Please help.
Product: Vehicle loan or lease

description : I got a leased car XXXX XXXX XXXX from XXXX XXXX   XXXX ( in XXXX NJ, ) and the financing company is XXXX XXXX XXXX located in California ( and of course the company holds the Title ) In New Jersey I can not get the. Car registration without the title But Id like to return back to the time of getting the car : - The dealer gave me temporary registration telling me you will get the registration by mail I wait for 3 week, never get it I contacted the dealer in person and by emails and phones but in vain Then I filed a complaint through XXXX, after that I received the registration And didnt notice that it is for one year only While the Lease is 3 years and in New Jersey it is allowed to get 3 year registration InXX/XX/XXXX the registration expired I didnt notice that till XX/XX/XXXX I stopped driving my car and Calle the dealer They told me it is not their responsibility and it is XXXX XXXX XXXX responsibility I contacted XXXX, and they told me that they will send me a power of attorney To apply by my self for renewal of car registration And up till now I wait,!!
Product: Debt collection

Portfolio Recovery is aggressively attempting to collect a debt I discharged in bankruptcy. They are reporting this debt on my credit report as an active collection. I notified them of this 2 months ago yet they refuse to remove this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint previously complaint number XXXX XXXX XXXX stated `` We added you to our COVID Protected Status in XX/XX/2020 but unfortunately, our review of your account indicates that although you continued to be impacted by the pandemic, your account was inadvertently removed from our COVID Protected Status in XX/XX/2020. I apologize for this missed opportunity to better serve you. To make this right, we will do the following : 1 ) We have asked our credit reporting team members to update how we report your account to the credit bureaus by changing your payment history for XX/XX/2020 through present to reflect a D ( no data ), which is consistent with how your payment history would have reflected had kept your account in our COVID Protected Status as indicated above. Please allow up to 30 days to see these changes reflected on your credit report. 2 ) We will add your account to our COVID Protected Status on a going forward basis. We apologize for any inconvenience or frustration this missed opportunity caused you, and we again thank you for being a XXXX XXXX customer. It is our sincere hope that we have addressed your concerns. If you have any additional questions regarding your account, please contact XXXX directly at XXXX. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has negatively affected my credit score for over 2 years now it has been hard to get approved for anything with so many late payments including a place of my own. Currently I am XXXX  with a XXXX XXXX, and this is a state of emergency in regard to not being able to establish proper living quarters because of my payment history on Transunion, XXXX and XXXX. XXXX XXXX needs to update my credit report with Transunion, XXXX and XXXX immediately as it is unfair, unjust and inaccurate. 15 US Code 1692 Congressional findings and declaration of purpose ( 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.
Product: Debt collection

The rep I spoke with never ifs herself or the debt in question. I asked to speak to a manger numerous times, was Put on hold for XXXX minutes, same rep came back, again asked for manager, never transferred me to XXXX and eventually hung. Did not give mini XXXX or record disclosure
Product: Checking or savings account

On XX/XX/2021 Capital One and XXXX from Customer Protection froze my account with {$93000.00}. Over an apparent mistake fraud claim by ONE XXXX  payment, which has since been resolved. Furthermore, accounts held by white/caucasian have been able to remain open with multiple fraud claims, but me being a minority has made me a target during a global pandemic for unfair lending and banking practices. The hold times to speak to someone are upwards of 1-2 hours.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX XXXX XXXX XXXX XXXX  The account number is XXXX has violated my rights. 

15 u.s.c 1681 section 602 a. states i have the rights to privacy.

15 u.s.c 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c 1681s-2 ( a ) ( 1 ) a person sgall not furnish any information relating to a consumer reporting agency if the person knows or has resonable cause to believe the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate. My claims adequately. They informed me that recovering lost funds was impossible and that tracking these transaction was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

I opened a secured credit card with Discover Card 2 years ago with a {$2500.00} security deposit. When I was signing up, Discover Card staff explicitly promised me to return my security deposit after a 7 month good monthly payment history. After 7 months, I contacted Discover Card and was informed that though I had a good payment history their 'system ' blindly determines when I get my security deposit refunded. This was news to me ... if I knew this I would not have chosen Discover Card because I needed the security deposit paid within the 7 month agreement. I have since called Discover Card on the 9, 12 and 16 month points. Discover Card simply will not return my security deposit payment. 

Its now been 2 years, I have an excellent payment history with Discover Card, kept my purchase balance low and my credit score has even risen over the last 2 years. I want Discover Card to reimburse my secuity deposit as advertised and promised to me when I invested in a secured Discover Card.
Product: Credit card

Throughout the duration of this account, I've consistently made sure payments are made promptly, avoiding any instances of overdue payments. However, I find myself perplexed by the presence of late payment remarks on my accounts. Referencing 15 USC 1666b - Billing Error, corrections should be made to rectify any discrepancies.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX FXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3300.00}
Product: Student loan

XX/XX/XXXX, I received a notification from Nelnet that my TPD was being reversed due to me taking out XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never lived in XXXX or XXXX or attended this school. I have called Nelnet four times, they have given me four different causes for this issue. They initially told me that it was an error in their system, they told me to contact XXXX XXXXXXXX despite not ever going there and they had no idea. I spoke with XXXX XXXX XXXX XXXX XXXXXXXX and he confirmed that there was NO RECORD of my social being used at the school. The Department of Education and Nelnet have purposely screwed up my account and are sending me down multiple rabbit holes leading nowhere. They continue to put the blame and responsibility on me for this error. They continue to mail me incorrect information and continue to cause emotional distress with this issue. It is not fair nor appropriate. I want to also add that all communication for this has been in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I toched base with XXXX from XXXX to discuss what considerations goes into determining my final interest rate on my new vehicle loan after having my other trade deadline deleted because of the issues I was having with my prior vehicle. After explaining what had happened it was brought to my attention that my credit score went down in the span of 6 plus months which is not unheard of and can take some responsibility for that of course but as a company trying to take care of its paying customer is where they are lacking severely. I'm being punished because of my lack of knowledge of lending so if you are looking at it from my prospective because of my lack of knowledge of how lending works and their unwillingness to help me get out of my vehicle at the time I had to try other avenues to try to get out of set vehicle with out hurting my credit which is my whole goal in the first place and after they offered me to buy my earlier vehicle back steps I had taken before actually hurt me. SO from my point of view they bought a vehicle back that should have never been sold to anyone in the general public and made out yet again because of mistakes I had taken not knowing any better they are now making over {$500.00} over the life of the loan when I had actually financed {$100.00} less then my prior vehicle. In the past 6 months to a year I have accomplished nothing but heartache and credit going down because of the miscommunication between both me and XXXX/XXXX. How is any of this far. I have on record them stating the reimbursement check they sent to me promised to be to me at a certain time wasn't to deliberately make me slip up and make a late payment which I haven't. The lack of help I have been given this far is amazing they are still able to do business but like other responses on record they are covered by letter of the law or so it seems. I know the CFPB cant act as a governing body but should be able to set something right. I plead with You I have done everything correctly and can admit my faults in my case. I haven't done anything to cause harm or ill will towards XXXX/XXXX but seems like I have too because the system is broken. Alot of consumers are unaware of the CFPB and am surprised I am still having to summit complaints about company that has been fined by you in the past for doing the same questionable business decisions. What am I to do? I have 145 bi weekly payments to make to them make it living XXXX like it has been for me this past 6 plus months. I would stopped filing complaints if they just did one thing they had promised me they would do which at this point they have failed horribly. For Example : When I was offered reimbursement check and was lied to about its actual arrival time. Do you now how it feels to be a grown adult and being assumed and treated like Im less than nothing? Can you put price on that? An eye for an eye!!! Treat me like kid I'll act like one.
Product: Mortgage

I closed XX/XX/2021 on a condo in XXXX XXXX and making automatic payments on time. 
United Wholesale Mortgage who now services my new mortgage purchased by XXXX XXXX apparently sent me a letter dated XX/XX/XXXX received XX/XX/XXXX, that was fraudulent from the start, where it says Delinquent N/E Loan Notice at top, to the middle where is falsely states the entire XXXX tax bill of {$8100.00} is delinquent, when its paid in full, to finish, where it says this communication is from a debt collector to collect a debt ; as they are not a debt collector do they work for the XXXX county property tax collections even if there was a legitimate debt. 
e unpaid taxes for this year, with regulations in home buying, as you are well aware. 
A quick check of my parcel no which they sent on the letter, on the XXXX County Tax assessor site, shows the taxes are of course paid in full until my next bill arrives in XXXX. Their company clearly aware of this. 
They state " as of XX/XX/2021 our records indicate that real estate taxes remain unpaid on your property is false and easily disproven with quick check of parcel number on XXXX County Treasurer site open to the public. They then request a proof of payment by me that cant be sent, as they know because I did not pay them, the seller did earlier this year. They are obviously trying to have my funnel money into their company by forcing me to pay into an escrow account if I don't prove this payment. This is outright extortion based on fraudulent information. 
I called their number to verify this was not an outright fraud by someone posing as affiliated with the company and their associate confirmed they sent this letter, and audaciously stated falsely XXXX County had sent a letter to them stating unpaid taxes. This was not only rebuffed by the XXXX  office but nonsensical as they do not send notices to lenders. 
I will pay my property taxes, bi-annually myself on time as is my right. This company 's strong arm tactics to bring in income are a disgrace and everyone who approves these tactics should be punished if you can investigate. I work finance and trust in our system is vital. Thank you very much XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act, my consumer rights have been violated. 

A reporting agency needs written instructions from me, the consumer, to furnish a consumer report. Without written instruction, this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition, you have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) WI XXXX : Account number : XXXX, This account violates 15 U.S.Code 1681b ( a ) ( 2 ) CRAs need written instruction to make a consumer report by the consumer a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ) XXXX XXXX Account number : XXXX, This account is in violation of 1681b ( a ) ( 2 ) CRAs need written instruction to make a consumer report by the consumer .a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ) XXXX : Account number : XXXX, This account is in violation of 1681b ( a ) ( 2 ) - CRAs need written instruction to make a consumer report by the consumer a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ) XXXX XXXX : Account number : XXXX, This account is in violation of 1681b ( a ) ( 2 ) - CRAs need written instruction to make a consumer report by the consumer a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ) XXXX : Account number : XXXX, This account is in violation of 1681b ( a ) ( 2 ) - CRAs need written instruction to make a consumer report by the consumer a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). 

XXXX  XXXX Account number : XXXX, This account is in violation of 1681b ( a ) ( 2 ) - CRAs need written instruction to make a consumer report by the consumer. a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). 

The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. 

I have not given permission to access my credit profile and they have no permissible purpose by law to contact third parties with my private or personal information
Product: Credit card or prepaid card

On XX/XX/XXXX of this year, I wrote to the XXXX XXXX/SYNCB that I wanted to close my XXXX XXXX XXXX # XXXX because of the annual fee they charged me. And requested them to waive the annual fee after they have closed this Visa # XXXX! 
On XX/XX/XXXX, XXXX XXXX wrote to me that my XXXX XXXX XXXX # XXXX was closed as of XX/XX/XXXX. And the balance on the account was {$0.00} after they removed the annual fee, late fees and interest. And apologized for the inconvenience and frustration they caused me! 
On XX/XX/XXXX, I wrote to them again and attached a copy of the letter XXXX XXXX sent me! Because their billing department keep billing me for the annual fee with late fee and interest ; they also reported to the XXXX Credit Bureau as delinquent on payment to them! 
On XX/XX/XXXX, their customer service department replied that they were doing right reporting me as delinquent on payment and avoiding the XXXX XXXX letter I sent with my complaint to them! It seems to me they do n't care and what they want is ripping me of with fees and Interest!
Product: Credit reporting or other personal consumer reports

I am formally disputing the accounts and inquiries listed on my consumer credit report referenced below, as they are the result of a data breach or fraud. I demand verifiable proof, including my signature or electronic signature, for any alleged authorization of these accounts or inquiries. 

This letter is submitted on my behalf, not through a third party, and I request your careful review. I have never authorized these actions, and their presence on my credit report constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically : FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX mandates the blocking of information resulting from a data breach or fraud. 
FCRA Section XXXX XXXX XXXX XXXX XXXX XXXX restricts the permissible purposes of consumer reports, which these inquiries and accounts do not meet. 
I have contacted the reporting companies and confirmed that these actions were initiated without proper validation or original proof. Since I never authorized them, these accounts and inquiries are inaccurate and must be removed from my credit report. Their continued presence constitutes the unlawful reporting of my consumer information by creditors and/or third-party data furnishers. 

I request immediate action to investigate and remove these fraudulent accounts and inquiries. Please respond in a timely manner in accordance with the FCRA.
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 involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2020 I applied online for credit through GM Financial and authorized them to run my credit. I received an email stating I was approved for credit and that the dealer of my choice would receive the information so I could go shopping for my vehicle. On XX/XX/2020 I reached out to XXXX XXXX of XXXX XXXX XXXX XXXX by phone and told him I had already been approved by GM Financial. He told me he would have his credit manager locate my file with GM Financial but would also need me to fill out an application. I told him I already filled out an application with GM Financial who had already run my credit. He told me it was just a formality and that his store would not run my credit. XXXX XXXX of XXXX XXXX XXXX XXXX did run my credit. He also submitted to GM Financial who ran my credit 2 more times. After all that I was told that GM Financial made and error and I was not approved. I told him I had alerted by XXXX  about inquiries and he told my credit should not have been run but there was nothing he could do.
Product: Credit reporting or other personal consumer reports

Credit bureaus did not respond ay all and according to FCRA in the first request they are suppose to in 15 days which they chose to ignore see request below. 

Under 1681 U S C i ( 7 ) Method of verification-DESCRIPTION OF REINVESTIGATION PROCEDURE A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Also under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 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.

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 

Please send the following information used to validate the items below and show where I gave written permission to be on my credit report in the first place, otherwise delete from my credit report immediately or I will seek monetary damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple occasions, I have requested Equifax to correct inaccurate information on my credit file, and provided supporting documentation from the courts but Equifax refuses to do so. ( see uploaded documents )