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

With " Accordance to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a duty to insure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, XXXX, XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. XXXX XXXX XXXX section XXXX a section XXXX that states " In general subject subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX ( furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless, the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never was i informed of my right to exercise my nondisclosure option. Not only that 15 USC 1681 C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law, 15 US Code 1681s-2 ( A ) ( 1 ) which states " 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. 15 US Code 1681 ( e ) states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. '' XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states " That a consumer may exercise the right to opt out at any time. " I am opting out of your reporting services ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX with whom I was on an e-statement basis, charged the annual fee in installments and added late fees, never advised me the charges were added - I had not used card for months and had a 0 balance previously and NEVER late. They reported my payment as late to the bureaus. When I discovered this I contacted them, they negated all charges- if they removed the charges that is tacit agreement that they never should have been charged - and I closed my account. One of the bureaus still shows me with a balance with XXXX XXXX, there is none, and shows the card open, which it is not. 
I want the bureaus notified that I was NOT LATE- this was XXXX XXXX XXXX XXXX  fault for not sending me any indication that there was a balance due - and I want the Bureau records changed to eliminate my ever having been late. My payment record with all XXXX XXXX which I have is otherwise completely unblemished, not ONE late payment. This is completely unfair.
Product: Debt collection

Between XXXX XXXX  XXXX and XXXX XXXX  XXXX I was in the process of being XXXX discharged from the military XXXX XXXX XXXX XXXX XXXX. I ended up with XXXX XXXX XXXX. During that time, Freedom Acceptance Corporation failed to make any reasonable attempt to reach me at my current address and phone number to discuss the debt. They immediately took me to court and won a judgment in the XXXX XXXX XXXX, knowing that I did not reside in the city of purchase. I successfully updated my address with them over the phone and let them know I was in XXXXXXXX XXXX and still never recieved any notification from them. They knew I was in the military and was prone to moving. It seems this is something they have done to thousands of veterans. In XXXX it was reported that they were to prove over XXXX XXXX in consumer redress and to pay a {$100000.00} civil penalty for their practices. I could have paid the debt had I been notified, but their business practice is to prey on people even XXXX veterans like myself in order to increase their wealth. I know owe XXXX more than the original balance and Freedom never had the intention of working it out. They wanted to increase their money due and took me to court in a city they knew I did not live in and were awarded a judgement that I was unable to defend.
Product: Mortgage

Thank you in advance for your attention in resolving unfair practices with Selected Portfolio Servicing. As of today XX/XX/2021, we have been denied a reasonable loan modification. SPS is not being helpful during the Covid 19 crisis. We were approved for forbearance plan with their previous servicer XXXX. When the loan got transferred to Select Portfolio Servicing, Inc we have applied for a modification or any form of assistance because we are not able to make 3 months payment at once. After the forbearance plan ended we have never missed a payment. 
We were denied loan modification because SPS was unable to create affordable payment within the programs guidelines. We have appealed your denial, and we were denied again. We are in chapter XXXX bankruptcy and we are not able to pay 3 payments at once. 
We just want SPS to add these 3 payments to the back of our loan or to the principal balance. Hope you are able to help us and other upcoming customers with the same issue. Thank you.
Product: Credit reporting

I am trying to dispute negative credit reporting from XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX attempted to reach custodial parent mother to stop billing for child that was no longer in her care, but living with father ( me ). Mother failed to respond to repeated phone call and letters from both XXXX and myself. Consequently, the child support payments were reported as late or delinquent when NO PAYMENT should have been even billed. I made NUMEROUS requests to XXXX for updates, request to file/change court order, without success. Please note that before this rather unfortunate situation, my account was in good standing with all payments current and NO ARREARS OWED. This began in XXXX and continued up until Child turned XXXX yrs old in XXXX, and XXXX finally stopped billing. Please help.
Product: Money transfer, virtual currency, or money service

I alerted my bank that there were fraudulent transaction made on my behalf sending money from my account to someone else. My bank told me they can not do anything for me, even when I told them that I could not have made those transactions. I told them my phone went missing and when someone returned it, one day later I noticed those funds were issued. There ought to be some protection for me as customer of my bank to be able to retrieve my funds. 

Please help.
Product: Credit card

I opened a Lowes 0 % credit card because I was doing renovation on my home. I wanted to make large purchases and have an opportunity to take advantage of their 0 % for 6 months offer, as I would be getting several large checks to pay them off. This is the payoff scenario : Purchase Date/Purchase Amount/Balance Left/Exp date of 0 % interest XXXX/XXXX/XXXX / {$620.00} / {$41.00} / XXXX XXXX, XXXX XXXX/XXXX/XXXX / {$340.00} / {$37.00} / XXXX XXXX, XXXX XXXX/XXXX/XXXX / {$740.00} / {$720.00} / XXXX XXXX, XXXX XXXX/XXXX/XXXX / {$3700.00} / {$3400.00} / XXXX XXXX, XXXX I made a payment of {$770.00}, which should have wiped out the first XXXX payments, left the XXXX balance with {$32.00}, and the last balance as is. 

Instead, they spread out my payment ( see below ), and did NOT pay off the soonest expiration date item, and applied a portion of the payment to a balance that isnt even due for 17 months! 
Purchase Date/Amount/Balance Left/Exp date of 0 % interest XXXX/XXXX/XXXX / {$620.00} / {$37.00} / XXXX XXXX, XXXX XXXX/XXXX/XXXX / {$340.00} / {$30.00} / XXXX XXXX, XXXX XXXX/XXXX/XXXX / {$3700.00} / {$3400.00} / XXXX XXXX, XXXX The Credit Card Accountability, Responsibility and Disclosure Act ( or Credit CARD Act ) of XXXX requires that credit card companies must apply your entire payment, minus the required minimum payment amount, to the highest interest rate balance on your card. That requirement took effect XXXX XXXX, XXXX. I 'd have to assume this would also apply to expiring promotional rate payment allocation. 

I called and complained to Lowes customer service and they reversed the payments and reallocted how the payment is to be paid off. I did see a " footnote '' in their statement, that they will apply payment how they see fit and if the consumer wants to reallocate the payment in a different way, it 's the responsibility of the consumer to read and understand the fine print and call THEM to tell them how to allocate payment. This is deceptive. This credit card company was allocating my payment in THEIR best interest, not mine.
Product: Vehicle loan or lease

Toyota Financial Servies has made countless mistakes with reporting on my credit report which violates FCRA regulations. There's two in particular one of which is when I traded in my XXXXXXXX XXXX for a XXXX XXXX. The next is when I traded in a vehicle from XXXX XXXX to Toyota Financial Services in XXXX. I would like all late payments removed from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 


Account Name : 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 or other personal consumer reports

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX Late Payment {$5800.00} XXXX XXXXXXXX XXXX XXXX Late Payment {$10000.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$2100.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Collection {$9000.00} XXXX XXXX XXXX Charge-off {$0.00} XXXX XXXX XXXX Charge-off {$0.00} Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFFIDAVIT : In this court of record I, XXXX XXXX XXXX, a man, swear under oath and penalty of perjury that all herein is true as follows I am a victim of identity theft and fraud and XXXX, XXXX, Transunion are continuing to report fraudulent accounts on my credit profile after I informed them of the fraudulent accounts in which are causing me harm, injury and damage in the public. 

s : XXXX XXXX XXXX
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 to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX, & STATE OF MI OFFICE 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

I sent the XXXX a dispute letter on XX/XX/2021, which included several accounts on my credit that were incorrect. They have not responded and today is XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian has received my 30 day to comply and still has not given me the results of the investigation which is against the law. Multiple items have been verified by the companies that I do not have an account with them.
Product: Debt collection

GC SERVICES LIMITED PARTNERSHIP is attempting to collect an alleged debt i requested verification of alleged debt and then still received phone calls have yet to receive confirmation that the claimed debt is cleared or any other communication other than phone calls which should not have been placed to me after verification request it appears that after XXXX  was unable to verify the debt with XXXX XXXX XXXX XXXX that XXXX XXXX XXXX XXXX  sold the debt to GC SERVICES LIMITED PARTNERSHIP
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My name is XXXX XXXX XXXX. I have called the all XXXX credit bureaus and literally spoke to someone directly to correct my addresses and names and current address. 

To my surprise It's as if I never all them at all? It seems as if my information got worse When I tryed to get a loan I was denied many attempts and nothing only to find out the credit bureaus did not update my names or addresses. It seemed as if it got worse This is totally intolerable - I have to call my attorney to see what he can do? 

Also, note 3 years with XXXX different companies to clean my credit and reputation Please help in this serious matter I have nothing but denial letters with high interest rates and does not make any sense! 
My credit was at XXXX and dropped by XXXX and completely deny my credit was higher and can not understand how it dropped when my XXXX is low 18 %
Product: Debt collection

XXXX XX/XX/2019 I was applying for the PFD and there website glitched when I hit submit the page reloaded with someone else 's info from XXXX Alaska and it showed me there address, date of birth, Social Security number and bank info. I got 2 other phone calls the same day saying someone got my info the same way, shorty after the PFD data breach I notice accounts being open in my name without my permission. the following accounts are not mine XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in violation of 15 USC 1681a ( 2 ) ( B ) as any authorization or approval of specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from my consumer reports. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card that I used to originate every consumer transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ) ( d ). I am demanding that they remove all of the transactions from XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and Upgrade from my report immediately. Equifax is violating my rights as a federally protected consumer under title 15 chapter 41. I have also sent a letter to Equifax demanding that these transactions are removed from my consumer report but they have failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am challenging the incorrect information with XXXX on my credit report. Where XXXX and XXXX clearly violated the law. XXXX and XXXX put on my credit report an account number that is not my and the balance is false. The XXXX month terms payment of an account that is completely close. Furthermore, XXXXXXXX XXXX is Fraud. The account is false, the date and the amount. I am a victim of identity theft. XXXXXXXX XXXX is attempting to collect an alleged debt on the basis of fraud. XXXX making demand for payment on a mortgage paid in full. XXXX decided to ignore my demands for Validation. Validation of the debt XXXX XXXX, XXXX and XXXX. I need an ( actual accounting ) 2. Verification of claim against me ( a sworn affidavit or signed invoice! ) 3. copy of the contract binding both parties under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im challenging this account with XXXX and XXXX of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Provides me with strict proof section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), I authorized this accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete/remove accounts immediately.
Product: Mortgage

I have written to Seterus on two occasions pointing out they are reporting a 30 day late in the Payment Status when the account shows closed with a XXXX balance. This is impossible ... .must be a key punch error. You can't be late when the account is closed with a XXXX balance. See attached excerpt from the credit report and the most recent letter dispute.
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint against CAIN & WEINER AND XXXX. 

CAIN & WEINER AND XXXX has this INACCURATE account/item on my consumer report/file and I DEMAND for a IMMEDIATE DELETION ( Exhibits provided ). 

All three of these Bureaus have INACCURATELY furnished this MISLEADING AND DECEPTIVE account on my consumer report/file and I did not CONSENT, AUTHORIZE NOR BENEFIT nor gave a written permissible purpose to CAIN & WEINER AND XXXX to FURNISH this account/item. 

The DATE OPENED is INACCURATE and I DEMAND CAIN & WEINER AND XXXX to delete this account/item within 4 BUSINESS DAYS ( Exhibits provided ) The TWO-YEAR PAYMENT HISTORY is INACCURATE and I DEMAND to delete this account/item within 4 business days CAIN & WEINER AND XXXX ( Exhibits provided ) The LAST REPORTED is INACCURATE and I DEMAND CAIN & WEINER AND XXXX to delete this account/item within 4 business days ( Exhibits provided ) The DATE LAST ACTIVE is INACCURATE and I DEMAND CAIN & WEINER AND XXXX to delete this account/item within 4 business days ( Exhibits provided ) The DATE OF LAST PAYMENT is INACCURATE and I DEMAND CAIN & WEINER AND XXXX to delete this account/item within 4 business days ( Exhibits provided ) CAIN & WEINER AND XXXX duty is PROVIDE 100 % ACCURACY on consumers reports and THE EXHIBITS I PROVIDED SHOWED THEY HAVE FAILED!
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason and will not help me with getting it back up and going to have my funds released I have tried many time and was told I had to wait for an email but yet months and months go by with no resolution it has been well over there 180 wait and still nothing. I did a search and found I could file a complaint on here I am very upset that I had to wait about 10months and counting they are defiantly in violation of their own policy and should be address I shouldn't had to wait this long for my own money that has caused me even more issue due to them closing my account and holding my funds. my email linked to my account is XXXX XXXX
Product: Debt collection

Wakefield is attempting to collect a debt I never established a contract with them, furthermore they are violation of the FCRA LAW by reporting a negative item on my credit report and I do n't owe them,
Product: Consumer Loan

I am writing to file a complaint against Prestige Financial Inc. for harassment and illegal collection practices. I have had the nightmare of dealing with this company, and it is time someone put a stop to their tactics. My account representative is XXXX XXXX, and he has, on numerous occasions, threatened me, belittled me, and insulted my character through emails, text messages, and telephone conversations. Yes, I have had difficulty making payments but it does not warrant being subjected to this type of treatment. He and the XXXX of Collections, XXXX XXXX, have harassed me day after day. I have emails and phone logs to substantiate this claim. They have called me a liar, questioned my ability to be a man, and told me that I am not a good person. This is totally uncalled for, and does not make for good business. My final straw, was today, my wife was at church for bible study, and my XXXX informed her that there was a message on the church answering machine for me. She listened to the message and it was XXXX XXXX, he stated, " This is XXXX and I am calling about one of your church members ( my name ) and his ( my vehicle make and model ) I have been trying to reach him so will you please ask him to return my call ''. I could not believe that he went to such great lengths to shame me, when he and XXXX had just spoke to my wife a week ago and she made a payment and informed them that she would be calling back the last Friday of the month to make another payment. They agreed that they would accept the payment and that she could call back the last Friday of the month with another payment. Since she spoke with them, they have contacted her on four times in 2 days saying " we are just checking to make sure that you are going to make good on your word and make a payment, call us back to set up a payment. '' Need I say, we have not made it to the last Friday of the month, and they have contacted my church ( which is not listed as a contact on my account ) and XXXX of my family members.