23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 a account 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 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 that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
( XXXX ACCOUNT # XXXX ), ( XXXX XXXX # XXXX ), ( XXXX XXXX  # XXXX ), has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

To whom it concerns, I had a credit card XXXX the balanced closed at {$1900.00} XXXX XXXX, XXXX .... Johnson Mark LLC. Picked up the debt. Affidavit of service served XXXX/XXXX/XXXX I did not get served this Affidavit. As a result a judgement was entered with out me knowing XXXX/XXXX/XXXX for {$3900.00} ... XXXX XXXX, XXXX {$2600.00} was stolen out of my account from Johnson Mark LLC. this account was for my VA Benefits from my military XXXX. XXXX the taking out of all my money from my account to the taking my VA Benefits money was wrong and illegal. Then they are saying i still owe {$1900.00} a total of {$4600.00}?? Last for over a year they did not report to the credit bureau 's XXXX that they had stole my VA benefit money/ which caused damage to my credit.
Product: Mortgage

Today i noticed my payment went from XXXX to XXXX, no email notice sent, no letter in mail, no web notice, this is crazy, since my payments started on XX/XX/XXXX i was told per notarized loan modification * XX/XX/XXXX pay XXXX * XX/XX/XXXX pay XXXX - FHA modification escrow was wrong is what they stated * XX/XX/XXXX - told pay XXXX XXXX new escrow analysis done on XX/XX/XXXX To begin on XX/XX/XXXX * Today XX/XX/XXXX see on main payment screen my payment due XX/XX/XXXX is showing XXXX, I am so tired of my payment changing every month with no notice, no letter, no heads up, no email, nothing, i understand there can be escrow shortages but how can you not tell your customer ahead of time, just surprise, for the 4th time this year your payment is changing again, how is this good, people have to budget, we count our pennies, we have only one income and you changed our payment again with out notifying us again, Your agent emailed me the escrow document and could not say why they did not notify us when they changed it again, is that even legal? I thought it was standard practice or at least good practice to notify a customer 30 days ahead if escrow /payment changes, not surprise on the 1st with no notice, please investigate who did not tell or notify us of another escrow analysis on XX/XX/XXXX, Thank you, XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous efforts to resolve this I am hoping you can help. 

XXXX XXXX, on an account I paid in full : Account number XXXX Opened XX/XX/12 For some reason is reporting in violation of the FCRA that I was past due 30 days, this is simply inaccurate to my consumer report. 

I did not realize but I am being denied favorable credit terms and this inaccurate reporting is causing it. I have retained XXXX XXXX XXXX  on an unrelated manner, but I figured surly on a paid account the creditor would correct their inaccurate records without legal action. 

Thank You!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Account Details Status Updated Credit Usage Balance Balance Updated Last Payment Date Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : Credit card XX/XX/XXXX Closed Account charged off. {$1400.00} written off. {$1400.00} past due as of XX/XX/XXXX. 
XXXX XXXX 48 % {$1400.00} XX/XX/XXXX XX/XX/XXXX {$3000.00} - {$1400.00} {$1400.00} - Individual Inquiries XXXX XXXX XXXX Inquired on On record until XXXXXXXX XXXX XXXXXXXX Inquired on On record until XXXX XXXX Inquired on On record until XXXX > XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX until XXXX XXXX Inquired on On record until XXXX Inquired on On record until XXXX Inquired on On record until XXXX XXXXXXXX XXXX Inquired on On record until XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on On record XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on On record until XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX I ask that alll these inquires be removed from my credit profile as this is a defamation of my character and not allowing me to get new credit or home loans thanks 30 days from this day I will need information about this matter or I will be forced to sue!
Product: Debt collection

I sent this company a letter via certified mail last XX/XX/XXXX, 2017, to request VERIFICATION / VALIDATION of an account they are reporting under my name and I have not received any response from them yet. I clearly stated in my letter that they provide me copies of documents show my CORRECT and ACCURATE personal information, copies of documents showing that they were assigned this alleged debt to be collected to make sure that they have the right to collect this alleged debt, documents showing my signature etc. I got nothing from this company. Even though CFPB had already fined them according to this link : https : //www.consumerfinance.gov/XXXX this company still continues they unlawful ways.
Product: Bank account or service

In late XXXX, I travelled to XXXX to attend a conference and speak to college students about XXXX. In so doing, I left my debit card at the hotel for their file. Upon leaving -- a week later -- the hotel charged the wrong card ( mine ), as opposed to the university card. The charges appeared on the XXXX and were put in process to be reversed the same day. I requested a receipt on the XXXX, which will be attached. The hotel charge was fully refunded by the XXXX. I contacted Bank of America to make sure I would not receive overdraft fees on the XXXX. They were to make a note of it. Instead, I received XXXX overdraft fees on the XXXX -- stemming from the original charge and subsequent fees -- totally {$100.00}. I just got off the phone with them and, after going through other personal account business, they told me they could not deal with the overdrafts because they could no longer confirm my identity. I then repeated my name, as appearing on the website, and the teller in deposits XXXX, apologized and placed me on hold. He said there was no record of the overdrafts, and I expressed concern that he could see hte record I was seeing via my statement ( attached ). He then said I my name was incorrect and I could not be helped via phone. Apparently it does n't match the name on their file -- however, this was not the case a week ago, and my information on the online banking matches exactly what my name is, and how I said it, and how it appears on my card. It seems that they were able to handle all questions and business about my account except my fee reversal request. They are now telling me to go into a floor office to confirm my identity in their files and handle the overdraft. However, these offices do not handle overdraft fees.
Product: Debt collection

Sir/Ma'am, I joined the military in XX/XX/2014. I had a 2 year contract with XXXX until after XXXX. 
Due to the fact that my XXXX was to XXXX, I would n't be able to use my XXXX service anymore. 

When cutting my contract with XXXX, I explained to the customer service rep that I had XXXX orders to XXXX. The rep told me everything was fine and that the early termination fee for cutting the 2 year contract was waived due to the SCRA. 

It has been 2 years since that conversation was made, and since then I have been receiving mail from debt collectors stating that I owe XXXX XXXX or so dollars. This has had a major impact on my credit, being that this occurred 2 years ago. 

I have called XXXX multiple times, and they keep telling me that there is nothing on file for my early termination, or the waiving of the fee. They have also said that Southwest credit, a debt collection agency, owns the bill now. They are the ones requesting the XXXX dollars. 

Is there anything that can be done to settle this issue? I will be XXXX to XXXX in a month, and I really would not like for my credit to keep going down as the time passes. 

The last concern that I have is the impact this has on my credit. If this issue does get settled, could the debt get removed from my credit altogether, or would it stay there saying I never paid a XXXX bill that was apparently " waived '' two years ago. 

I would really appreciate any help I can get on this matter. 

Thank you.
Product: Vehicle loan or lease

I purchased a used vehicle from  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX   2017 . They secured financing for me through  Global Lending  Services. I purchased the vehicle in  XXXX , but I live and work in  XXXX . I am  XXXX   years old  and this is my first major purchase. The dealership charged me for tags and title, but to date I still have not tags or proper registration for my ca r. Global Lending S ervices told me they do not have the title and I ca n't get anyone from  XXXX   XXXX   XXXX  give me a clear straight answer about where the title is, or even to call me back for that matter. This is very frustrating because my temporary tag s ( 2nd set ) is about to expire yet again. I 've paid inspection fees in  XXXX , and I will have to pay for tax, tags an d title in  XXXX . I would like the title to my car, or the information I need to get the car properly registered, as well as a refund for the tags and title I paid for in the state of  XXXX .
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against LVNV Funding, LLC for violations of the Fair Credit Reporting Act ( FCRA ) and the unauthorized addition of a delinquent account to my consumer credit file. 

Details of the complaint are as follows : **Unauthorized and Fraudulent Credit Profile : ** While reviewing my recent consumer credit file, I discovered an unauthorized and fraudulent credit profile listed by LVNV Funding , LLC . I did not authorize anyone employed at your company to view or add a delinquent account to my consumer credit file. This action is a direct violation of the Fair Credit Report Act Section 1681b ( c ), constituting fraudulent activity and a serious breach of my privacy rights. 

**Verification and Documentation Request : ** I request LVNV Funding, LLC to validate the information listed in the credit profile mentioned above. Please provide copies of any documentation associated with these accounts bearing my signature, authorizing an account. Additionally, I demand the production of a contract between LVNV Funding, LLC and me, the consumer, bearing my signature, showing that I gave permission to furnish any information on my behalf. 

**Immediate Deletion of Fraudulent Inquiries : ** In the absence of documentation bearing my signature, I formally request that these fraudulent inquiries and the associated delinquent account be immediately deleted from the credit file maintained under my Social Security number by LVNV Funding , LLC . 

**Compliance with FCRA : ** LVNV Funding, LLC is obligated to complete this investigation within 30 days, as per the Fair Credit Reporting Act Section 611. I expect full compliance with the FCRA and timely resolution of this matter. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into LVNV Funding, LLC 's actions and ensure that corrective measures are taken promptly. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing 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.oK for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have noticed that fed loan servicing, and dept of ed/navient is still reporting on my credit report. XXXX has deleted these accounts It is your responsibility to report accurate information on my credit report. Therefore, I am requesting that you delete the following accounts immediately. These items must be removed from my account to show my true and accurate credit history! In pursuant to the Fair credit reporting act. I expect you to delete these account within the next 30 days, or I will submit this to my local attorneys general office and the FTC! I have attached proof of deletions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the following accounts has violated my Rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 116 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 16881 SECTION 602 A SECTION 2 : ALSO STATES THE A CONSUMNER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states if item are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Debt collection

Ad Astra Recovery Services , Inc. is reporting debt to all three credit bureau, but I never received a single letter from this company. I was never given 30 days to dispute the debt. I have know idea who this company is. I lived in XXXX XXXX for XXXX years and moved to XXXX in XXXX. Ad Astra Recovery Services has no proof sending any letter to me giving me 30 days to dispute.
Product: Debt collection

This company claims that I have received written correspondence regarding this debt before it was reported to the CRA. I have never received any written correspondence but I have received a threatening phone call from this collection agency. This is a violation of the FCRA for not sending written notification regarding debt and should be removed from my credit report
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding an issue with Experian 's credit reporting. I previously disputed an account that was paid and closed, yet it is still being reported as negative on my credit report. Despite completing the dispute process, Experian has not corrected the information. The account should reflect as paid and closed with no negative status. 

Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Credit limit {$250.00} Highest balance {$390.00} Terms -
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Sezzle in regards to making the account current or sending out a payment arrangement before any 30 day late issue. I explained my XXXX XXXX  and what my objective was to keep the account in good standing. My email as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Overall, I have worked significantly less. Financial setback has only allowed me to pay bills related to living expense & food. 

I am not sure what a reactivation fee amount is on top of a late fee. Could you please give detail what each one costs? 

Lastly, I will make my payment when financially feasible and within a timely manner. 


Their response : XXXX ( Sezzle Shopper Support ) XX/XX/2023, XXXX XXXX  XXXX XXXX, Thank you for reaching out to Sezzle shopper support! We know that life is unexpected, and sometimes difficult circumstances arise that make it straining for individuals or families to make payments. Here at Sezzle, we want to do what we can to empower all our shoppers to make sound financial decisions. 

So, to allow time for you to focus your energy on what is most important, I have rescheduled all your payments by 4 weeks from their previous due dates. Please be sure to review and confirm the new due dates on your account.

Last day today I received a hit on my credit after this movement by the company for four weeks out. I received a 30 day late payment on XXXX XXXX, XXXX and XXXX. this was never discussed, the company made this moment on their own out of courtesy. However, this is change couldve been made for a sooner date than 30 days as I was not advised, this would still be reported. This moment with per the company. If they are considering helping customers, this invited them if they enter in agreement or they are courtesy, moved four weeks out that this could still affect their credit. In reality this moment nothing to benefit or help me during these trying times.
Product: Mortgage

Working with the XXXX XXXX, WA Wells Fargo branch, located at at XXXX XXXX XXXX XXXX, for a home refinance was an absolute horrible experience. After repeatedly inquiring about a VA loan funding fee, which was supposed to be waived due to my VA XXXX, I have received nothing back from Wells Fargo except emails that show no progress or movement from XXXX of XXXX to the XXXX time of this formal complaint. After the closing of the refinance, I learned that my XXXX would allow the funding fee to be waived, so I inquired and never received back any feedback on the end state of my question. Only delay tactics, and quite frankly unprofessional methods of dealing with a newly acquired customer. I showed proof of my VA XXXX, and was told by the mortgage broker that my case would be looked into. Months passed and still no resolution. My concerns were never addressed to any kind of resolution from my initial inquiry, the present time of this formal complaint and I do n't think this is at all professional in any sense of how banks are supposed to work with customers. I feel neglected, and quite frankly, I have decided to refi with a different institution in order to depart from this horrible experience. I only wanted an answer of anything that could close this chapter, but unfortunately this has n't happened throughout this entire process. I only want resolution, clear communication, and a bank institution that takes pride in addressing the concerns of its customers in a timely manner. This Wells Fargo experience has been anything but professional and I hope this complaint helps with other potential veterans who decide to conduct banking with this particular Wells Fargo branch in XXXX XXXX, WA located at XXXX XXXX XXXX XXXX, XXXX XXXX, WA.
Product: Checking or savings account

The Navy Federal credit Union entered into am extortion conspiracy with the XXXX police, and president trump who is paying the off the XXXXPD to stalk me aNd my daughters and help him steal all my money. The fbi recently put in my account XXXX XXXX only to be immediately stolen by Trump.. this credit union also has the XXXX police stealing half my social security money monthly and there is no court order that's legal to do so. They're calling it child support but it's not. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX il vacated all child support m XXXX. This was started by a nonlicensed attorney for bribes In XXXX and former XXXX county states attorney XXXX XXXX. He was in jail per fbi but I believe yrump pardoned him because trp loved criminals. Every bank I go to does the de for bribes. Account noXXXX, rting no. XXXX.
Product: Debt collection

I've been disputing this debt for a few months now, and I've written letters and sent them to the bureaus and the company itself. 
Company name : Military Star account was with zero balance last updated on XX/XX/XXXX. 
Company name : XXXX XXXX XXXX account balance is {$570.00}, last updated on XX/XX/XXXX. 
Company name : XXXX XXXX with an account balance of {$1400.00}, last updated on XX/XX/XXXX. 
I disputed these items for lack of accuracy added to my account, and it negatively impacted my credit score.