23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to file a formal complaint against State Employees Credit Union ( SECU ) concerning their improper handling of negotiable instruments I provided and the subsequent inaccurate reporting to credit agencies. 

As an informed consumer, I understand the obligations financial institutions have under the Uniform Commercial Code ( UCC ), particularly regarding the processing of negotiable instruments. According to UCC 3-104, a negotiable instrument is defined as an unconditional promise or order to pay a fixed amount of money, payable to bearer or to order at the time it is issued or first comes into possession of a holder, and payable on demand or at a definite time. 

In accordance with these provisions, I submitted certified negotiable instruments to SECU as payments. However, SECU failed to process these instruments appropriately. Some were ignored without justification, and others were neither processed nor returned to me. This negligence has led to unauthorized transfers of my securities to third-party agencies without my consent.

Furthermore, SECU closed my account without proper notice and reported inaccurate information to credit reporting agencies, adversely affecting my credit standing.

I request the Consumer Financial Protection Bureau to investigate SECUs actions concerning : 1. The mishandling and non-return of negotiable instruments I provided.

2. Unauthorized transfer of my securities to third parties.

3. The closure of my account without due process.

4. The dissemination of false information to credit reporting agencies.

I seek remediation for the financial and reputational harm caused by SECUs actions and assurance that such practices are rectified to prevent future occurrences. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I noticed on my report an account called XXXX XXXX XXXX acct # XXXX. I found XXXX and XXXX in the dates and amounts and history payments. This is against the law to report incorrect information. Please investigate my credit report.
Product: Checking or savings account

I paid for an item XXXX XXXX {$79.00} by mistake and cancelled the same day on XX/XX/XXXX for one unit through XXXX with my own checking account, contacted the seller asking refund, they promised that will cancel and refund, instead they charged me for 2 units {$150.00}. Even in their invoice is clearly written - unit 1. After i received an email that the order is processed, not shipped, that's why they can not cancel and refund. Later on XX/XX/XXXX they provided XXXX the tracking number and advised me to reject the shipment and it will go back to their warehouse. First instead of one unit i was charged for 2 units, but in the invoice is written one unit. Usually the shipping companies are leaving the shipment in front of the door and i am unaware about shipment. Tracking the shipment it will arrive today, on XX/XX/XXXX when i am not at home to reject the shipment otherwise i have to pay for return myself. I am almost sure that XXXX will decide this dispute to the sellers favor as soon as it will be shipped today. It will be incorrect decision. on the attached picture is clear the prices. So I need full refund
Product: Credit reporting or other personal consumer reports

I requested from XXXX and the 3rd party collection agency ( National Recovery Agency ) for validity of the debt. This particular item has been placed on my report previously and removed due to " non verification ''. I'd like to have this item removed permanently because it does not belong to me, and doesn't reflect anywhere in medical records that I've ever been seen or treated at this medical facility.
Product: Payday loan, title loan, or personal loan

Constantly calling. I fell on hard times and they are even coming to my place of residence.
Product: Checking or savings account

I have had multiple overdraft fees and I was charged when I had insufficient funds and would like to state that this was unfair
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting Act this creator has violated my rights under XXXX5 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose. 

Account : XXXX Formerly XXXX For XXXX of XXXX XXXX Day Late Payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to say I called Each credit reporting agency spoke to their consumer relations department and asked about the student loans I have on my report 12 as a matter of fact 2 for each loan I have they all agreed that yes in fact each loan was reporting twice and that they would have wait on XXXX to tell them there is an and the accounts should be removed how is that possible given that XXXX was given a set of rules " Metro 2 '' Guide lines section 8 of that guide line for student loans says : " For Multiple Disbursements of the Same Loan Combine multiple disbursements into a single account. 
Retain the original Consumer Account Number.

Retain the original Date Opened of the first disbursement.

Increase the Original Loan Amount, Current Balance, and Scheduled Monthly Payment Amount ( when in repayment ) to include totals for all disbursements '' Then even gives and example on how it should report just in case the company on the other side can not read I guess. 

So how is it that Experian XXXX XXXX And XXXX are not aware of the rules or is it they just dont care as to the harm they are causing according to the FRCA '' Asarule, itsillegaltoreportinformationthat youknoworbelieveisinaccurate.Youhave reasonablecausetobelievethatinformationis inaccurateifyouhaveknowledge, otherthan allegationsfromtheconsumer, thatwouldleada reasonablepersontodoubttheaccuracy oftheinformation.FCRASection623 ( a ) ( 1 ) ( A ) '' Are the Willfully Non Complaint UNDER THE FCRA and dont care that they are causing undue harm to myself and my family or are the just untrained and lazy?
Product: Vehicle loan or lease

I have been dealing with Flagship Credit Acceptance since XXXX of XXXX trying to get them to lower my payment or let me make arrangements due to XXXX and being out sick from XX/XX/XXXX through XX/XX/XXXX. They not only didn't respond to any of my requests but they closed my account in XXXX of XXXX, wrote it off and have been sending threatening letters and tow truck driver by my XXXX year old mothers house in Delaware. Threatening to force foreclosure on my mothers house. Sending people by my place of employment sitting out front taking pictures of my XXXX XXXX. They now want XXXX for the loan balance and not the back pay of XXXX. I contacted a bankruptcy lawyer yesterday XX/XX/XXXX because the XXXX is not even worth XXXX it has over XXXX miles and is falling apart, but because they closed my account and now report XXXX on my credit I can not even get a auto loan to get anything new.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX credit bureaus is not reporting my student loan accounts on my credit reports with the Department of education. I have a active current account with XXXX XXXX student loans ( XXXX ). I sent a complaint to both credit bureaus several times sinceXX/XX/2017. To date both credit bureaus have not resolved my complaint. I am submitting this complaint to the consumer protection bureau so that Equifax and XXXX and correct my credit report and start reporting accurate student loan information from mygreatlakes.org. Inaccurate information on credit reports is hindering me from getting loans and good interest rates.
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 : Oswald Nkimbi, 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 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, credit repair services, or other personal consumer reports

The Account from XXXX XXXX XXXX should not be listed on my credit report. The account was listed without validating the account. I filed a dispute with transunion in which they have not responded. The xomoany itself admitted to not be able to verify the debt. Transunion is still listing this debt on my report. The company also admitted in their complaint with the CFPB that they were wrong and they will have the debt removed. However transunion is still listing the debt. I am working with an attorney in regards to my credit report and wrong reported information.
Product: Money transfer, virtual currency, or money service

PayPal is not letting me withdraw the balance in my account even though the money is rightfully mine. I firmly believe what they're doing is completely illegal and should be investigated by government agency. I will be filing complaint regarding this issue to Texas state attorney and other regulatory agencies if this problem continues to persist after this complaint.
Product: Debt collection

Improved Data Services LLC Collections I am filing a formal complaint against IDS for abusive and harassing collections tactics. Per FDCPA a debt collector is not allowed to contact a third-party more than once unless requested to do so by the third party. At no time have given IDS permission to contact me at all regarding anything yet they called me ( XXXX XXXX XXXX ) MULTIPLE TIMES. XXXX @ XXXX and XX/XX/XXXX @ XXXX. In addition, per FDCPA if a debt collector already knows how to contact a consumer ( they have location information ) then there is no reason to call a family member, friend, or co-worker. The collector can not ask the third party to pass on a message, ask for other information or harass the third party. On occasions @ XX/XX/XXXX messages were left XXXX stated : Its very important that I speak to XXXX, please return my call, again it is very important that I speak with XXXX, if you are able to get this message to him, I appreciate it. 
I personally called at XXXX and spoke with XXXX and advised she does not have permission to contact my number. She proceeded to ask me if I know the party in question and asked If I know where he is at. I told her I refused to answer this and again not to call my number again. I asked for her employee ID, Company address and CEO name. She proceeded to put me on hold and on came someone by name of XXXX ( I think ). I advised him the same and that I did not ask to speak to him nor did I need to. I explained to him that they are not to call me per FDCPA and I have received multiple messages from XXXX. He proceeded to tell me although I told him this is a form of Harassment that they are not harassing me and that I dont have a valid complaint at all and they are allowed to call. He refused to give me the address, CEO name in addition to XXXX ID because according to him this was not a valid complaint? 

# 1. They have broken direct FDCPA law in contacting a Third Party twice without permission to do so. 
# 2. They have also broken FDCPA by creating urgency and asking me as a Third Party to get a message over to another person. 

I am floored with the fact that even after they broke FDCPA that on a recorded line a Supervisor was bold enough to tell me he would not give me what I was asking for because according to him I dont have a Valid complaint? 

*Note- I still have a copy of the voicemail messages left
Product: Payday loan

I applied and received a loan from Castle Payday. After Castle Payday closed operations, apparently they transfer my obligation to a third party, Big Picture Loan. I continue paying to Big Picture Loans for almost 15 months, but XXXX day I received a call from another company, XXXX XXXX, claiming that Castle Payday transfer my debt to them and not to Big Picture Loan. After I received a letter from Big Picture Loan clarifying that indeed they were receiving my money by mistake and they ( Big Picture ) will refund me with a check for the total amount, I decided to pay my total debt to XXXX XXXX. That was 3 month ago. After that, Big Picture Loan never returned my money. Several calls from me to Big Picture have been for nothing. They said that the check was sent, I never received anything. I felt like my money was stolen by this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased my home in with a 30-year mortgage in XX/XX/XXXX and was originally with XXXX XXXX XXXX. In XX/XX/XXXX I refinanced to a 15-year loan with Wells Fargo Home Mortgage. I have made every payment on time without any late or missed payments. I filed bankruptcy ( chap XXXX ) in XX/XX/XXXX and was informed by my attorney to not reaffirm but to continue making my payments as agreed. On XX/XX/XXXX I made a lump sum payment and paid my mortgage in full. On XX/XX/XXXX my credit score dropped 31 points. When I checked my credit report I found that my mortgage was missing from the report all together. It is like I never had a mortgage in the first place. I pulled out some older credit reports and they list Wells Fargo Home Mortgage as under a bankruptcy. I was told ( in XXXX ) by a representative of Wells Fargo that once my mortgage was paid in full it would be noted on my credit report. So I continued with the payments to include that last lump sum payment. 

The credit bureaus continue to report the bankruptcy but a penalizing me for the positive achievements I've made over the years. This doesn't make sense to me. How can I be penalized for the longevity and positive credit I've achieved and still be negatively impacted. Not one of my bills are late. I should receive the credit for this. I sent the credit reporting agencies a " Request for Addition of Supplementary Credit References '' Wells Fargo says to call the credit reporting agencies and the credit reporting agencies tell me to call the mortgage company. I am between a rock and a hard place.
Product: Credit card

I applied in good faith for the KEYBANK credit card account. If any portion of this application under the account number : XXXX XXXX XXXX XXXX has been securitized as a asset backed note under securities act of 1934 , within the KeyBank and/or any other under SEC filled Prospectus, XXXX XXXX Forms and or other SEC filings. we demand credit line issued and open ended under the name of applicant. we submit this for remedy as pre arbitration notice as holder of the contract. please review for violations per Equal Credit Opportunity Act ( ECOA ), 15 U.S. Code 1691. we wish for this matter to be resolved matter privately before we pursue further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the amounts listed ( {$350.00} XXXX are current and are in school deferment and have been reporting on my credit report when they shouldn't. This is hindering a lot of progress I could be making with my credit especially trying to get a house. Every disbursement I have is there for lenders to see which is why everyone has turned me down for everything.
Product: Credit card or prepaid card

I had a transfer of funds for XXXX on XX/XX/2020. It was transferred to account that was not in my name. I have filed two different claims and nothing has been done. Each time because of the amount I have to talk to a additional department and both times I have been hung up on. I m very frustrated with waiting on the phone with this company. I understand they are very busy but I need my funds back.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account name XXXX XXXX XXXX, account number XXXX, 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

XX/XX/XXXX I took out a {$3600.00} title loan with United Finance in XXXX, Washington. I was told the loan amount would be {$4800.00} with interest. I made 5 payments before my car broke down and I could not afford to pay. The title loan company repossessed my car in XX/XX/XXXX, then sold it at an auction. The total amount of payments I made was {$1000.00}. They then sold my car for {$850.00}. In XX/XX/XXXX, I was served papers that the title loan company was suing me in small claims court for {$5000.00}. This amount does not reflect the {$1000.00} or the {$850.00} in money they made back. This is more than the initial loan, including interest would have been if I had never made any payments. They did not show up to our court ordered mediation, so the case was dismissed. They then put this account on my credit as a charge-off in XX/XX/XXXX, for the amount of {$5000.00}. Since then, they have added {$110.00} in interest. My account is currently {$5100.00}. I do not know if this is legal, but it does n't seem fair that {$1900.00} in payments are not reflected in the balance owed. I am also not sure if they are allowed to add interest to an account that has been closed. In XX/XX/XXXX, I disputed this account for wrong information to the credit bureaus. Nothing was changed.
Product: Credit card or prepaid card

I was told by the customer service agent, that if a made a payment of {$150.00} that I would not be marked for a 30 day past due ding on my credit report. I paid that amount and it was still reported on my credit as 30 days past due. As of now i am currently caught up on all payments to the current company. I also told them that we can set up automatic payments as well. I still recieved a 30 day past due mark on my credit report.
Product: Debt collection

The following is a timeline of events and errors made on the part of XXXX ( debt collection ), Synchrony Bank, and Lowes ... 

XXXX XXXX XXXX notified us of their intent to collect on a XXXX credit card debt * We initially had no idea what they were referring to, we never received a billing statement from XXXX ( synchrony Bank ) based on the fact we had moved our primary residence XXXX XXXX, We requested from XXXX to substantiate Debt ( we understand they have 30 days to prove debt and we did not receive statements until XXXX/XXXX/XXXX * The statements they provided on XXXX/XXXX/XXXX did not contain information from the late debt, we immediately notified them of this error. 
* Despite the fact they were late proving debt, they continued to contact us by phone. 
XXXX Finally on XXXX/XXXX/XXXX, XXXX provided statements to prove debt and we were able to verify the charges were made by us * On XXXX/XXXX/XXXX, We sent an email to XXXX ( please see the following ) XXXX XXXX, XXXX To whom it may concern : I am writing to inform you that we are disputing several elements of your recent attempt to collect debt on our Lowes credit card. The following items provide details on the areas we are disputing and we are requesting the items are corrected immediately : *We never received a billing statement from Lowes/Sychrony, despite our notification to Lowes of our updated address ( please see attached document that indicates our updated billing and shipping address provided to Lowes at the original time of purchase ) *Based upon the fact we never received a billing statement, we are disputing any finance or late charges incurred *Based upon the fact we never received a billing statement, we expect that the late payment will not be reported as late to the credit reporting agencies If each of the the aforementioned items are acknowledged and rectified immediately, we are willing to remit payment for the initial purchases only for the amount of {$100.00}. If you do not respond to this matter in 30 days we do plan to remit a complaint to both the CFPB and the FTC. Thank you for your prompt response and resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX We recognize that we have Not received a response from XXXX in the required 30 day period and conveniently it appears they have turned over our account to another collection agency, XXXX Recovery XXXX We receive a letter from XXXX XXXX XXXX XXXX trying to collect on the debt Here are some relevant details regarding this situation : 1 ) we are willing to pay for the original purchases, provided they remove the late charges, finance charges, and remove any late payment from our credit history 2 ) XXXX has never had a late payment in her life, our credit score is important to us and is currently over XXXX 3 ) We did notify Lowes at the point of sale on XXXX/XXXX/XXXX of our new billing and shipping address, they failed to update in their system ( please see document attached digitally showing our updated billing and shipping address that Lowes/Sychrony Bank failed to update ) Please help us!!!
Product: Credit reporting or other personal consumer reports

I've contacted the original creditor ( XXXX XXXX XXXX ) and all 3 credit bureaus XXXX, XXXX, and Experian about inaccurate information that they're continuing to report on my credit reports. 
Please Verify and Validate all data for the account, every notation, dates and balances whether reported or not. I've been ignored and is in violation of my consumer rights according to the FCRA. This account needs to be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

All 3 credit bureaus are reporting incorrect dates of when the account was opened, and the amount owed. I would like to be provided with proof of where and when the vehicle was RESOLD and the amount it was sold for. According to FRC section ( 609 ) if you have no proof of any one, I would like it removed immediately. I would like an update mailed to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violation sent all the documents over they need to fix this fcra violation is not mine hacking reports cybercrime division and police reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres things on my credit report comes from identity theft I have a police report and they still have fixed Ill file a dispute and all they do is update the situation with my correct information after I report identity theft
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 XXXX  Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, 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 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.