23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

USAA JUST CALLED AND I AM LIVID BY THE XXXX BLATENT DISSRESPECT!! 

The assumed alot and are justifying abusing XXXX people. They can try to spin their story and THEY HAVE AND WILL. 

The CEO didnt even respect me enough to contact me directly, he sent a represantative. 

I am devastated and I am absolutely positive that if I am being abused so are millions of others losing their accounts and possibly funds by ill-gotten behavior from USAA. 

I tried to keep my XXXX private but OBVIOUSLY i am forced to explain that I was kicked in the head multiple times, no I will not read your XXXX XXXX regulation changes, my head is on fire XXXX and you think its ok to threaten to upset my entire life! XXXX that!!! 

There are laws in place for a reason .... I cant be doing this!! My XXXXXXXX XXXX XXXX and USAA is breaking tons of laws and abusing their authority and covering it up with " justified-bad behavior ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint, not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 28 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting or other personal consumer reports

SEE ATTACHED FTC AND UCC 11 RESULTS FOR ALL FALSE LEIN HOLDERS AND A-L FINANCIAL ACCOUNT. 
Blatant Violation of Consumer Rights and Potential Securities Fraud It has come to my extreme dissatisfaction that no clear and conspicuous consent was ever obtained from myself, the consumer, for the furnishing of credit reports by any creditor or credit reporting agency ( CRA ). Neither written nor verbal permission was granted for the reporting of my transactions, nor was I ever informed about the distribution of my personal information to third parties. 

This blatant disregard for the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) is unacceptable. Congress explicitly prohibits the reporting of my non-public personal information without my clear and conspicuous opt-out, as outlined in 15 USC 6802 ( b ) ( 1 ). Despite this legal requirement, my information has been used by creditors, third-party debt collectors, and CRAs like Experian, XXXX, and XXXX, not only resulting in identity theft but also potentially constituting securities fraud. 

Furthermore, my explicit request over two months ago to block and remove these reports, as mandated by 15 USC 1681C-2, has been ignored. This blatant disregard for the legal timeframe of four days for processing such requests is a further sign of your negligence.

Be warned : 15 USC 1681 ( b ) demands that CRAs implement reasonable procedures for handling consumer credit information with fairness and equity. This includes ensuring confidentiality, accuracy, and proper utilization of data, all of which have been demonstrably violated in my case.

Your continued furnishing of these reports without my consent opens the door to potential securities fraud charges under my Congressional findings.

I demand immediate action. Cease and desist all further reporting of my personal information without my explicit authorization. Additionally, I expect a full and swift investigation into this matter, including the removal of all inaccurate information from my credit reports within the legal timeframe.

Consider this a formal warning. I will not hesitate to pursue legal action against all involved parties if these violations persist.
Product: Credit card or prepaid card

I called CapOne to determine when finance charges would accrue. I was told that if I paid off my balance in full prior to the closure of the next statement I would not accrue finance charges I escalated the call to XXXX on XX/XX/XXXX # XXXX. She claimed that she could not reverse the charges. All financial institutions have a way to reverse charges. Most are on XXXX or XXXX/XXXX. I'm a customer in good standing. I was given the wrong information. I wasn't given an written communication informing me that on XX/XX/2020interest would accrue on the balance on my card. I was told to pay off my card prior to XX/XX/XXXX to avoid finance charges. Capital One failed to provide full disclosure where a customer would understand.
Product: Mortgage

RE : Specialized Loan Servicing Unfair practices I have a mortgage with SLS nearing the end of contract. The remaining principal balance is under {$850.00} with an escrow account balance just below {$800.00}. SLS sent an electronic statement requesting {$1400.00} due on XX/XX/2022. A payment for {$1500.00} was sent and documented by SLS as received as of XX/XX/2022. As of XX/XX/2022 this payment has not been applied to my account. Additionally, now a late fee has been added and my account is now labeled as delinquent for a payment they refuse to apply. 

When SLS was questioned to this matter they stated that I needed to get a payoff quote and send the money by certified funds or a wire transfer. The balance they are requesting according to the letter is XXXX. This is ridiculous since they have {$1500.00} right now that they are stating they are going to sent back to me. 

I will be going to the bank and sending them what they request the way the letter says. ( including the late fee and additional interest now accrued ). I just think this is ridiculous as I was just paying my mortgage as requested and now am being treated as though I am some sort of deadbeat. 

I wish to carry this complaint as far as I can. I can only imagine how difficult it must be for those struggling to pay their mortgage dealing with SLS every month.
Product: Debt collection

An apartment complex is attempting to collect fees associated with the unit we ( my now wife and I ) shared for repairs which the apartment complex refused to fix during the time we lived there. My wife filed for bankruptcy in 2012 and the amount owed was discharged. The credit bureaus and the collection agency are refusing to remove the debt. Louisiana bankruptcy laws considered the debt community property and even though I did n't file, it is to be discharged for the full amount.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Reviewing my credit report, this account has inaccuracies in the months from XX/XX/XXXX to XX/XX/XXXX which do not reflect balance, scheduled payment, amount paid, amount overdue as they do in the other months. attach the report that affecting my credit, since those payments were made on time. I am within my rights to be provided with this proof since this affects my credit. otherwise this must be removed from my account. Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Pursuant to 12 CFR 1026.13 - Billing Error Resolution- I have disputed the account. Pursuant to 15 U.S. Code 1666b ( a ) Notice, it is fact affiant is aware 15 U.S. Code 1637 ( b ) ( 2 ) ( a ) refers to a request to resolve a billing error by providing all documentary evidence for clarification of who funded this account and whose obligation it is to pay this alleged debt on this account. Until then the company can not report late payments in accordance with the regulations of the Bureau 12 CFR 1026.13 ( d ) ( 3 ). Pursuant to 15 U.S. Code 1666 ( e ) If the creditor does not provide all documentary evidence as defined under 15 U.S. Code 44 this will result in a billing error and the creditor forfeits all rights to collection on the amount that has been identified in dispute. Notice, it is fact affiant is aware that without resolving this billing error the creditor has legally agreed to forfeit all rights to collect on the amount in dispute pursuant to 15 U.S. Code 1666 ( e ). Pursuant to 16 CFR 433.3 ( b ) ( 4 ) a contract which in a contract which includes a waiver, condition or limitation for a debtor to assert rights for claims or defense against a seller is void. Notice it is fact in accordance with 15 C.F.R. 433.3 ( b ) ( 4 ) I the affiant has reason to believe and do so believe a contract can not and does not constitute as documentary evidence or contain a negotiable instrument or contain any waiver, limitation, term, or condition which has the effect of limiting a consumer such as I, XXXX XXXX, the affiant any right to assert against any holder of a contract with any and all legally sufficient claims and defense which could be asserted against the seller of goods and services and in all subject matter pursuant 16 C.F.R. 433.3 ( b ) ( 4 ) said contract is unenforceable and void. Notice in fact a contract has not given the consumer the full disclosure of said contract with any written, oral, known or unknown subject matter shall not constitute as documentary evidence. I the affiant have reason to believe and do so believe the company has failed to meet all requirements established in 16 C.F.R. 433.2 ( a ).
Product: Mortgage

There are serious issues with the loan documentation. The note is not the original. I am requesting a copy of the original note, all assignments and the other documentation listed.
Product: Student loan

After graduating college in 2011, I discovered that Navient/XXXX XXXX had put me on a 10-year repayment plan for each of my XXXX loans through them that created massive monthly payments of over {$1000.00} per month. When I tried to consolidate the XXXX loans I have with Navient/XXXX XXXX, I was told that " the different styles '' of loans made it so that I was unable to combine all of them under one interest rate. I was also unable to defer the loans until I got a job nor did they allow me to extend my repayment period. They have left me with no options to lower my payments, I 'm currently stuck paying XXXX different ( and very high ) interest rates and I was given no option to have an income-based payment plan. I was forced to work XXXX jobs at the beginning of my career in order to make payments and even now, six years later, my payments still eat up nearly half of my paycheck every month, making it extremely difficult to live anywhere without roommates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes with ALL  XXXX  agencies attempting to have claims that are entered  two  and  three ti mes an d may v ary by a couple of dollars removed. There is a total of  XXXX  claims on my report of those 50 % or more are duplicated or entered  3  or more times. The one claim that is a real problem for me is a claim of  XXXX  which was not my medical bill. When I disputed the claim I was told that it was a joint account. I was not the person in the hospital, I did not get any services from the hospital and I do not expect to be harassed,  black ma rked for something I had no control over, additionally that account was paid  XXXX  upfront and that money was never deducted from the claim which was a workers comp claim to begin with as well as private insurance through  XXXX . Why I got the honors of it being reported on my credit was I married the wrong guy. The Reporting Agencies have an obligation to prevent this type of action but they perpetuate it and once the domino has fallen the other  XXXX  just fall right on down too. I have been damaged, harmed, denied, crippled because of this and it has become exhausting to fight or dispute the errors because it sets off another wave of reporting negative claims from the third party creditor, collector. I even went to the source of the original debt, they wrote the charge off but later recanted that write off almost 2 years after the fact. I also told them that I was having trouble with the collector agent but they said " He does whatever he wants to do ''. They were n't entirely wrong about that he does do whatever he wants to do even if it meant breaking out his fees from their bill and collecting on them both as separate judgement and written off debt. How is a girl suppose to get out from under that heap of  -- -- -- -- -- -?  I also went as far as the AG 's office but they are compromised because they collect debt from the original institution which is a hospital.  Medical Debt  is drowning myself and my spouse but the majority of this debt is doubled, tripled or ad a financial arrangement that should have cleared the debt. Help, Please.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Prepaid card

This is a prepaid credit card. I can't spend any money unless I pay for it first I have to have the money on the card. There is no payment due on this card. It's prepaid so whatever I pay is all I'm allowed to use on the card. There is no credit, given to me on this card. So therefore they can not report a late payment. Because there are no payments cause I have no credit. It's pre paid they need to take that off my credit report.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to demand the immediate deletion of a closed negative account from my credit report in accordance with 15 USC 1681e of the Fair Credit Reporting Act ( FCRA ). I have consulted with legal counsel regarding this matter. 


Name : KIKOFF Lending Account Number : XXXX Date of Closure : XX/XX/year> I assert that this closed negative account is inaccurately reported on my credit file and does not reflect my true credit history. Pursuant to 15 USC 1681e, I request that you promptly investigate this matter and remove the aforementioned account from my credit report without delay.

I remind you of your obligation under the FCRA to ensure the accuracy of consumer credit reports. Any failure to comply with this obligation may result in legal consequences.

I expect that you will take immediate action to investigate and rectify the inaccuracies on my credit report. I demand confirmation of the removal of the disputed account within the statutory time frame. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

XX/XX/2019 - {$530.00} XXXX XXXX XX/XX/2019 - {$50.00} - XXXX XXXX XXXX XXXX We had contacted the bank and disputed the amount five times about these two transactions and they declined both.
Product: Credit reporting, credit repair services, or other personal consumer reports

My was Credit report pulled without my Authorization, the companies are listed below, along with the dates and their phone numbers. 

XXXX XXXX XXXX XXXX - XXXX Phone XXXXXXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Phone XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax - XXXX Phone XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX & XXXX Phone XXXX XXXX XXXX XXXX XXXX - XXXX Phone XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX & XXXX Phone XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has now reported to TransUnion and XXXX fraudulent late payments violating the FCRA. I returned my lease on XX/XX/XXXX and they recorded I was late on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments when I have called and confirmed with XXXX that my lease obligations were fulfilled in full when I turned in my car. As I said, both bureaus now show these fraudulent payments and also are missing many on time payments. They have not responded to my disputes and cleared these payments and have wanton disregard for accurately reporting payments as required by the FCRA. These are clear violations of the FCRA and I demand they be removed immediately. 

I have attached your own statement showing that I was not late in XXXX, XXXX, or XXXX and the reports from TransUnion and XXXX showing you reporting that I was late in those months as well as your response to my dispute showing I was late in those months.
Product: Debt collection

XX/XX/XXXXXXXX and XXXX XXXX, We filed for Bankruptcy in XX/XX/XXXX and our case was discharged as planned. However Wells Fargo has been the only creditor to continue to report to my husband and my credit report. I 've gone back to the bankruptcy lawyer that assisted us in the bankruptcy but we have not gotten resolution. We would like Wells Fargo to stop reporting to our credit report per our bankruptcy. Last reporting date was XXXX XXXX. 

I know this report is from XX/XX/XXXX, but I 'm trying to re-finance our home and Wells Fargo come up again. 

Thank you for any assistance you can give us. My contact number is XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers ' right to privacy. '' XXXX and Equifax 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. '' XXXX XXXX XXXX XXXX is a financial institution by definition under that title 15 USC 1681 section 604 a section 2 states that " In general Subject to 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. '' XXXX XXXX XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and Equifax do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Equifax and XXXX XXXX XXXX XXXX, 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. '' XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( 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 U.S. Code 1681s2 ( A ) ( 1 ) A 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 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Equifax 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 the above mentioned companies reporting services.
Product: Vehicle loan or lease

I have called Chrysler capital several times regarding an alleged car loan I told them that I was unaware of that loan. Chrysler capital claim that I am legally Obligated to repay the loan in full. I proceeded to call and complain every month due to the damages Chrysler capital has done to my credit report. My credit score went from XXXX to XXXX because of the company refusing to fix the matter. I have fraudulent activity on my credit report because of Chrysler capital.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my credit report file. The documents are attached and the disputed items have been circled. These items are inaccurate or incomplete. Kindly remove or correct the information : XXXX XXXX XXXX XXXX
Product: Mortgage

I decided to work with XXXX to get a reverse mortgage. At first my broker was friendly and helpful, however as time went on he started to want more information. Like proof I had money in my back account. He first wanted to know if I can effort the closing cost around {$4000.00} I said I will get it. He also push me to sign documents on an artificial closed date, not on my terms. When he sent me closings paperwork the closing cost came to almost double the cost. When I sent email official declining the off and not to contact me. He contact me and he ran numbers and because I live in Minnesota my closing cost would only be XXXX. He new within 10 minutes of the first call I live in Minnesota