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

i am formally making this complaint because Experian and XXXX has been reporting unfair and inaccurate information on my Consumer Report. Now because their willful non compliance i have not been able to obtain any goods or Services for personal for personal, family and household purposes. According to the Fair Credit Reporting Act 15 USC 1681 it clearly states that 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. I have the right to make sure my private information isnt shared which is also backed up by 15 USC 6801 ( a ) Privacy obligation policy 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. May i remind you that Experian and XXXX are credit reporting agencies. by definition A credit reporting agency ( also called a credit bureau or credit agency ) is a private company that collects and sells information about a person or corporations identifying information, debt, and repayment history in order to create credit reports and credit scores indicating the creditworthiness of each person or corporation. Credit reports are sold to qualified extenders of credit or to those for whom a would-be debtor has executed a release. Credit reports and scores are used by banks, mortgage lenders, credit card companies, landlords, and potential employers to screen applicants. 
The three major credit reporting agencies XXXX, Experian, and XXXX are regulated by the federal Fair Credit Reporting Act and are members of the Associated Credit Bureaus of America. so with that being said XXXX and Experian is also a Financial instution, not only are you reporting in accurate information on my consumer report but your also selling my personal information. i am no longer requesting you to report fair and accurate information on my consumer report, i am now DEMANDING!!!! you guys are reporting transactions, charge offs on my consumer report which is ILLEGAL and a DIRECT VIOLATION of the FCRA. i would like to remind you you that charge offs are considered income and income is not to be reported on a consumer report as well. 15 USC 1681 a ( 2 ) ( a ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;. you also have also been reporting adverse items on my consumer report which is also a direct violation of the FCRA. like i said because of this, it has caused me not only financial hard but embarrassment as well going into establishments trying to obtain goods and services and being denied in public
Product: Debt collection

I XXXX XXXX and my co-buyer XXXX XXXX are currently victims of aggravated identity theft, deception, mail fraud, mortgage fraud, securities fraud, etc. 
This company Guaranteed Rate and XXXX XXXX XXXX are involved in deceptive business practices. When we extended our credit 15 USC 1601 to the Corporation Guaranteed Rate Inc . They lied and said they were the alleged lender 12 USC 1431 which they cant lend money according to the law but now stating that they are a Debt Collector under state and federal laws.

They are attempting to collect a debt that has been lawfully paid under the Truth in Lending Act, Federal Reserve Act. The laws that prohibit these deception business practices under CFPB, RESPA, CFR, FTC, USC, ICC, UCC. Mortgage Fraud, Mail Fraud and Securities Fraud has already been proven in case law, regulation Z and Modern Money Mechanics and FBI website on securitization with the consumers knowledge. They told me at the escrow table to destroy the documents we signed because it will only prove we owe a debt which raised a red flag as well when they told me not to put UCC 1-308 on our signatures when signing at closing. They told me I had no rights which I knew was a lie because I worked in law enforcement for years and they thought I was some person they can tell anything to based on my looks of appearance and co buyer. 
Attached are PDFs as proof and we are currently handling over all information to federal and state law enforcement agencies including the FBI as part of our investigation of illegal activities we strongly believe are a scheme of fraud on a high level. The property was paid in full at closing UCC 9-102 ( a ) ( 65 ). They then separated the deed from the mortgage which supreme court ruled to be illegal. I ask for debt validation, and they can not provide any proof that we are obligated to pay this alleged debt when it was already discharged and paid in full which they refuse to show the check. 

Next were several nondisclosures at closing including aggravated identity theft which is a felony, Securities fraud, mortgage fraud and mail fraud. I conducted research and investigation and found out a closing agent is often an attorney who works for the lender. He or she conducts the closing and performs pre-closing tasks like conducting a title search and preparing documents. A borrower sometimes thinks that the closing agent works for him because the borrower pays the agents fee, but the agent works for the lender. 2 THE VOLUNTEER LAWYERS PROJECT Securitization : Mortgage-Backed Securities Securitization is the process where a mortgage becomes a commodity. This security is in the name of XXXX XXXX and XXXX XXXX and is gaining financial gain on MERS and this was not disclosed to us our home is a financial asset. Where are our receivables? Where are our credits as required by law, they are note balancing the books.
Product: Checking or savings account

I used my debit card at a chain Auto Service Station, I paid for a service they said they could do but were unable to do. To avoid any further damage to my vehicle I took it to the actual dealer to fix the other merchants mistakes. 

I called Bank of America ( my bank at the time ) to explain what happened in great detail ( and probably 20 mins ) and asked if I have any recourse since I now just had to pay twice for the same service. The CSR explained that I could filed a debit card dispute since the merchant didn't provide the expected service etc. The dispute was filed. Within days Bank of America put the disputed amount back into my bank account. A few months later I was traveling out of the country, and see that my account is negative! Also, pending transactions were charged overdraft fees or declined etc. ( Thank XXXX I had some cash with me ). I see that the disputed amount was reversed, so I called Bank of America and they told me my claim was denied because I had in fact made the purchase?? What?! I know, that was never part of the dispute. I believe the way the CSR entered the dispute was incorrect causing me to lose the dispute. I asked to appeal the decision. They told me that I should get an expert opinion regarding the work done. Perfect, so I went to the dealer ( who actually makes this vehicle ) they wrote a statement on company letterhead on my behalf. Appeal denied. Meanwhile over the course of this lengthy process, and Bank of America reversed the disputed amount causing my account to go negative, I explained that i will NOT deposit anymore money with them until this is resolved, to which they responded by closing my account that I had for about 15 years! Recently I went to open an account at another bank and was denied an account, and I learned it was because Bank of America put me in XXXX siting " ACCOUNT ABUSE '' as the reason?! That is lie! I did nothing wrong. Bank of America was supposed to protect me from fraudulent merchants, or not mislead me into thinking they were going to dispute a charge then change their mind. They let a merchant scam me and then the bank abused me. 

I have been denied credit and the ability to open checking accounts because of the information Bank of America has inaccurately posted with XXXX
Product: Credit card or prepaid card

US Bank advertises a 50 % bonus on points when using points for travel booked through their portal using their premium travel card ( XXXX XXXX ) ; however this bonus is non-existent on their website. After noticing no discount available, I spoke with US Bank customer service who said this was a reward through XXXX and instructed me to call them at XXXX and I spoke to XXXX. During this call I was informed XXXX is not responsible for this benefit and that US Bank customer service would be able to help. 

Unfortunately nobody is taking accountability for this. I am attempting to reserve a hotel on their travel portal which is valued at $ XXXX {$330.00}, meaning I should be paying roughly XXXX points ; however everywhere is advertised as the cash equivalent value, not holding up to their end of what has been advertised.
Product: Debt collection

I, the consumer, natural person, XXXX XXXX entered into a consumer credit transaction with Wells Fargo Auto on XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Wells Fargo Auto also took cash. The finance charge is suppose to include insurance, but Wells Fargo Auto made me purchase insurance separately. Wells Fargo Auto did not provide me proper disclosure on my right of rescission pursuant to 15 USC 1635 in which they are criminally liable pursuant to 15 USC 1611. They than began to violate the Fair Debt Collection Practices act by using instrumentality of interstate commerce via mail and said I, the consumer owes an alleged debt. I have attached all proof and exhibits along with my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that was paid as agreed and in return the company would remove all the late payments due to being laid off from my job at the time but the company failed to do their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is America 's largest sub prime car loan company, who has been challenged in court by the attorney generals office. Per a lawsuit by 34 states including Florida, XXXX was found and has since admitted to wrongful unethical practices that led consumers like me, into loans that were purposely granted for the sole purpose of financial entrapment. thus, leading to early payment defaults. I have been notified by Florida attorney generals office that my loan is subject to receive a deficiency waiver due to their findings in my my case, as well as an additional monetary settlement. I have reached out to XXXX  over 47 times, and to no avail, I have ad few representative that have tried to help me to the best of their ability, but have gotten nowhere. I have reached out to 4 major credit bureaus, I have disputed this particular account numerous time with each CRA, my reasoning was inaccurate information and account was in litigation and was found to be in the favor of the consumer ( myself ). I included copies of both complaint/ judgement and proof of my claim in the settlement. under the settlement XXXX was ordered to do balance waivers to those who had defaulted with in the first 12 months, I first defaulted in XXXX of XXXX, less then 6 months of purchasing the vehicle. XXXX continued their deceit in masking when my original default was by stating it was in XXXX of XXXX, when in fact it was in XXXX of XXXX, and continued to default 13 times after. there are several in accuracies as I have stated before, the judicial orders aren't being followed and XXXX 's blatant carelessness to follow court orders and FCC regulations is unethical. I have attached all the lawsuit, claimant correspondence forms and CRA documentation and unique claimant form from the Florida Attorney Generals Office as evidence. 


account number XXXX XXXX XXXX XXXX XXXX ssn
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Conrad Credit Corporation several times and they have advised me that I only have one active account with them however they continue to report another account that does not belong to me on my XXXX  credit report. I have tried to dispute this account with XXXX and they have advised me that this 2nd account has been verified with Conrad Credit Corporation. When I contact Conrad Credit Corporation they have stated they can not update XXXX  about an account that does not exist in there system however they are the company that is reporting this inaccurate fraudulent account that does not belong to me. Remove this fraudulent account and update XXXX  with this information in order for me to consider resolving the account that does belong to me with you all. I will not resolve any account with Conrad Credit Corporation until they resolve this matter as it is damaging my credit.
Product: Credit reporting or other personal consumer reports

The late payments shown don't reflect my usual payment pattern.
Product: Money transfer, virtual currency, or money service

I used my Chime account to pay my rent to my roommate. Some lady that I do not know, used to have my roommates cell phone number. I used the cell phone number to transfer {$880.00} and it went to this person that I do not know. I disputed it with Chime and they denied my dispute. I lost {$880.00} to someone I have never met in my life. I have since sent my rent to my roommate and Chime can see that I have literally never sent anything to this XXXX XXXX In my life, except for the mistaken transfer. I think they should go after this woman who took my money and give me my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX Balance : {$610.00} XXXX XXXX XXXXXXXX Balance : {$1900.00}
Product: Checking or savings account

I was the victim of identity theft about a year ago. I had to close all my accounts, and my phone # and email address. I recently noticed the same person had access to my computer and was attempting to AGAIN take $ out of my account. I also saw in my password file he had access to EVERYTHING. He has reopened closed bank accounts on more then XXXX occasion and i noticed he attempted to take XXXX $ and set up direct deposit to my cash app account. I am XX/XX/XXXX % XXXX and feel that this is an attempt on my life. I cant stop him. he has ALL my info.
Product: Credit card or prepaid card

I purchased furniture on a 18 month deferred interest credit card/loan through Raymour & Flanigan furniture via TD Bank XXXX XX/XX/2022. 

The credit application online link was given to me by Raymour & Flanigan. When I applied, I was not told this was through a third party, only that it was 18 months deferred payment and interest. Once I applied, my sales associate notified me I was approved and my furniture would be delivered in a few days. 

On XX/XX/2022 I noticed my credit score had dramatically decreased from XXXX to XXXX. I got a free credit report and saw it was reported by TD Bank d/b/a Raymour & Flanigan Furniture that I was 3 months late on a payments. 

I immediately called Raymour & Flanigan to resolve this and was told I had to contact TD bank and was give a customer service number to call. I called explained my issue, they looked up my account and I was immediately transferred to collections. 

The collections person that I spoke with determined that my address was not on file with their company, they didn't have my phone number, or email address and because of this I was not sent 'welcome packet ' that had my account information and terms of the loan. 

She also informed me I was 3 months late on payments and said because of their error of not having my contact information they would waive all late fees and defer the start date of my loan. This was supposed to take place within a 'week '. 

When she went to send me the welcome packet with my account information, she was not able to 'save ' the information, because my account within their system was delinquent. She offered to transfer my call to account services and when she tried to do this, the call went to a recording that the company had 'increased call volumn ' and I was disconnected. 

This same day, I called back, explained my situation to 4 additional people, all with the same outcome. 

I tried the next day, and had the same outcome..explain, transfer, disconnect. 

I tried a week later, same outcome, I'd explain, they'd say they can't do anything because I'm delinquent, they'd transfer me and the call would disconnect. 

Keep in mind, from XX/XX/XXXX to XX/XX/XXXX, I was never contacted or communicated to from TD Bank, no email, mail, text - or any form of communication. The first outbound communication I received from them was on XX/XX/2022 and it was a copy of a late invoice. 

I have tried since to call back and resolve this, but have been told that because my account is delinquent the credit department can not transfer me or help resolve my issue until I pay the last 3 statements. 

It's not possible for me to be late on a payment that was never billed to me. The billing was never sent to me because the company did not have my contact information until XX/XX/2022. Once I called them proactively and gave them my information, then they sent me a copy of a bill. 

I am willing to uphold my agreement, however, I want all late fees waived and my billing cycle to start on XX/XX/2022 and to include the same no interest promotion for 18 months from XX/XX/2022. 

The account number is : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

please take off these address i sent a complain about a year ago and no actions have been taking. please delete these addresses from my credit profile. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX, GA XXXX also XXXX XXXX XXXX Only right address is XXXX XXXX XXXX XXXX go against Accuracy and Integrity : The Fair Credit Reporting Act ( FCRA ) in the United States requires credit reporting agencies to maintain accurate and up-to-date information in consumer credit reports. This includes ensuring that addresses associated with an individual 's credit report are correct.
Product: Debt collection

A company called, NAVIENT, calls our residence 3-to-5 times everyday. Twice it has been explained to them that there is no one in our household who took out ANY student loans, but the calls just keep coming in, and the call log on our phone is filled with their calls, but no message is ever left by them. Here is just a small list of the recent calls we have received from them over a period of a few days : From Number XXXX Date : Time : 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

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Payday loan, title loan, personal loan, or advance loan

I took out an emergency loan that was deposited in my bank account XXXX XXXX, as I am having a financial hardship at the moment.This loan was provided to me through XXXX XXXX. I was made aware that the interest for this loan is XXXX %. They are expecting XXXX payments in the amount of {$310.00}, these payments made XXXX  a month. The amount loaned to me was {$1100.00}. By the time the I pay this loan off- I will have paid {$5600.00}. This is not fair, and this ( in my mind ) is as bad a robbery. I needed a short term loan, but its my fault for not understanding the fine print, and interest amount attached to it prior to signing. I cant believe that this company is feeding off of struggling Americans- it is not just a small amount of money with a fair interest- this is pushing upwards of XXXX  % interest. How is this legal? They are located in Wisconsin on tribal land. I was not aware about this information. I am so upset and regretful for taking this loan- if I wasnt in a financially tough spot, I wouldnt have by any means. Now I am going to be struggling to pay back the initial loan amount of $ XXXX its all going to interest. I will never get ahead. I am worse off with this loan than I was the day I decided to take it. I need help, please. I beg for any help regarding this situation. Is there another way I can pay this without this astronomical interest?
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 with my written instructions.