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

XXXX XXXX has violated my rights under THE PRIVACY ACT OF XXXX. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY.

The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. In accordance with the provisions of the Gramm-Leach-Bliley Act ( GLBA ), specifically sections 15 U.S.C. 6801-6809, including 6805, Enforcement, XXXX XXXX has violated this act and my consumer rights by sharing Non-Public Private Information ( NPPI ) with Transunion, XXXX, and XXXX. Consumer reporting agencies are non-affiliated third parties with which XXXX XXXX has shared my NPPI. Transunion, XXXX, and XXXX have also violated my rights by reporting student loans ( NPPI ) within my consumer reports without first having written consent from me, the consumer, to obtain and furnish information within my consumer reports. This is a direct violation of the Gramm-Leach-Bliley Act. XXXX XXXX also violated my rights I was not provided with any opt-out disclosures. As a consumer, The Privacy Act of XXXX states I, the consumer have the right to Privacy and the right to opt-out of having my NPPI shared with non-affiliated third parties. In the federal student aid privacy policy, it states that XXXX as a server for Federal Student Aid student loans is under the Gramm-Leech-Bailey Privacy Information Act. Also XXXX XXXX XXXX. XXXX, XXXX is the master servicer for XXXX XXXX, and in XXXX XXXX XXXX act it states that XXXX XXXX XXXX are under the Dodd-Frank Act and CFPB. Here is the indenture trustees information. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, Minnesota XXXX ( XXXX ) XXXX I expect this Account to be discharged & to reflect as paid as agreed on my credit report to each agency immediately. I will file a report to the FTC If not resolved. 

Transunion XXXX Date : XX/XX/XXXX Account number : XXXX Balance : XXXX XXXX Date : XX/XX/XXXX Account Number : XXXX Balance : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Account # : XXXX Balance XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Account # : XXXX Balance : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Account # : XXXX Balance : XXXX XXXX XXXX Date : XX/XX/XXXX Account # XXXX Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Nationwide Credit Inc is a credit collection company that represent the XXXX XXXX to collect an alleged account that was previously reported to XXXX XXXX. A previous letter was sent out to XXXX XXXX inquired viable evidence or documents that bears my signature that to provide accurate reporting. The alleged reported claim was first reported by XXXX XXXX of {$7500.00} and now the NCI took over this alleged claim and charged off {$1100.00} and that was negatively reflected on my credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX  XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$86.00}
Product: Debt collection

Company continues to bill wrong account which generates " insuffient fund fees '' for them and the debited bank. Attemped several times in XXXX and XXXX to change the account on-line but the company claims to have no record of this action. A telephone conversation on XX/XX/XXXX revealed they had the correct account number ( last four digits ) but continued to submit billing to the account from the origination of the loan. Furthermore, the company claims to have submitted billing to the account on file but, but the bank stated no billing occured. I've incurred NSF fees from the mortgage company and the debited bank plus probably negative comments to the credit unions.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX Balance : {$7800.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$68.00} XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Ive been trying to get approved for things that require my credit being pulled and the status of this collection is dictating key factors in the progression of this. The information on file is incorrect such as address and other things.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

upon reviewing my credit reports i discovered an account and hard inquires i didnt apply for credit,
Product: Credit card or prepaid card

On XX/XX/2020 I had exactly {$130.00} on my Amex BlueBird card. On XXXX XXXX, someone at a XXXX Ive never been to charged or pulled cash off my card for {$130.00} leaving the balance at XXXX. 

This was definitely not my charge. I was shocked to see the balance go to XXXX. I wonder if an employee of XXXX stole the card number from the records. 

In any event, there should be a pattern because they wouldnt just steal from me. Are there other thefts from Blue Bird that fit this pattern? Exact balance? From XXXX who just so happens to be the vendor who XXXX XXXX uses to re-charge cards? 

Im happy to visit with someone, take a polygraph test, etc. My request is that American Express credit back the {$130.00} that was stolen from me using their card and their vendor. 

I have contacted American Express 4 times and they keep saying it was my charge. I would like the CFPB to investigate or the FTC to investigate American Express because they do not care if XXXX or others steal people 's money. I believe this could be a part of a wider scheme and a pattern is there at this store in particular.
Product: Vehicle loan or lease

I purchased My vehicle XX/XX/XXXX from US auto sales in XXXX, North Carolina. From the start, I noticed something was wrong after making my last {$500.00} dollar down payment from XX/XX/XXXX til XXXX XXXX XXXXXXXX when I purchased a car, the manager XXXX told me I only will be making three down payments of {$500.00} and then {$240.00} per month, thats included with the warranty that I purchased with the car. They have one price on the paper. After signing everything in XXXX. They switched up the paperwork and information on my account from {$8000.00} to {$25000.00} on this used XXXX XXXX XXXX with XXXX miles on it. They basically selling me a brand-new car. When I called and asked about it, they sent me new paperwork with the new information on it from that time to today. I have been disputing and complaining about the complaints with everybody that I cant answer they recently just XXXX all 39 car lots down. So as a customer we have a number or are we can do is make payments on these lemons but no one to speak to about our accounts thats suspicious. We should always be able to talk to somebody even the bank that our loan is through. So at some point the time they sit down and sold our accounts to this new place called XXXX XXXX XXXX XXXX. Again, I called them to make a payment. No one ever answered the phone, but its the XXXX  by your account. After putting in my account info I dont know be changed anything or white or if they even fit white were supposed to be getting fit before they shut the car dealership down and thats our car loans which were fraudulently written. Every time I called this new place they cant find my account so I can make my car payment so they have advice on my car where they turn it off until a payment is made. I have not been able to drive my car in three weeks because they cant find my account, they seem very suspicious as well if somebody needs to investigate because there is no reason customers cant reach a physical person over the phone to talk to us about our accounts or something. They actually are a debit collector, not even a bank so they hang up on us if they even answer the phone. In addition, none of my paperwork has an account number on it I just have a policy number. On top of all this, the warranty that I have on my car is not even valid with the original company For some reason but its not expired until XXXX. So why cant I use my warranty to get my car fixed this new place XXXX XXXX XXXX wont even pick up the phone for me to talk to them about that my engine is blown somehow, and they wont answer the phones for to give me the number to the new warranty place.
Product: Money transfer, virtual currency, or money service

We transfered {$5000.00} into saving at XXXX XXXX XXXX On XX/XX/2023. But no money received or refunded By either them or bank of America. Where's the money.
Product: Credit card

I called and expressed to the agent that i was calling to make a payment. XXXX was her name she said she can accept my payment but she sees that i am delinquent on account which was agreed i asked her after paying the full balance which i believe is a little over XXXX where would i stand on the account. The agent was being very deceiving then explained she can settle the account for a lesser amount but it will close the account which was never my intent. She became even more deceiving and said she gave me authorization to record call and saids he will get her manager which a woman begin to get on the phone and said she is a account manager which she had no more knowledge then prev person i asked where the account go she said to a different stage not sure what that meant then a guy name XXXX who rep his self as a manager said it is against policy to give his full name not sure if that is accurate then said he is the only manager in the office then said he is the highest manager there in his office which was located in Virginia and from my understanding that is a level of MISREPRESENTATION which is against CFPB. He was very rude and and combative, he aslo hung up in my face and said it was policy that he did so if he cant control call and still did not accept payment from me after being on the phone for hours
Product: Payday loan, title loan, or personal loan

I applied for what i though was a " credit card '' in order to cover some car repair cost during the COVID 19 pandemic. I needed my car in order to get back and forth to work. I went to XXXXXXXX XXXX XXXX and they told me that the loan would be interest fee for the first 6 months. I ended up receiving the installment loan agreement in XX/XX/2021. I was not told that the loan would be paid weekly and have a daily accrual rate in the amount of0.45205 %. I financed {$1600.00}. They did not disclose to me the interest rate 164.54 %. I have been paying a weekly payment in the amount of {$63.00} for 51 weeks. I would end up financing {$3300.00}. This is abusive and i feel taken advantage of at this point. I am not working. I have called the company and spoken with the representative XXXX and spoke with XXXX the supervisor who was not able to help me however he did report that he would be escalating the problem to his supervisor that would try to resolve the issue. XXXX did her best to explain the terms of the agreement and reported that the store XXXX tire company should have went over the term of the agreements ( which they did not ). XXXX also reported that there should have been a electronic contact that was needed to be opened and signed on my phone which was also not sent.
Product: Payday loan

Lender sent me a contract saying first payment due on XXXX XXXX, 2015 for {$72.00} but on XX/XX/XXXX2015 they took {$83.00} from my bank account they said I owed from a prior loan that 's not true loan was merged with new loan new loan new contract. Loan # XXXX been paying on loan for over a year, now they calling harassing my reference everyday.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXXXXXX Inquiries : XXXX XXXX XXXX XX/XX/24 XXXX XXXX XXXX XX/XX/24 XXXX XXXX XXXX XX/XX/24 As required by XXXX XXXX XXXX please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2022 I told the credit bureaus to Investigate every piece of information on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX ( XXXX ) Tracking # XXXX ( Transunion ) Tracking # XXXX ( XXXX ) According to the FRCA the term Investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. I would like to know who did they talk to and how did they complete this investigation? Also, every piece of information on these accounts are still NOT reporting 100 % ACCURATE. And according to the FRCA 15 USC 1681 everything has to be 100 % ACCURATE. I have the credit report showing the inaccuracies. AccXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  bankruptcy XXXX Reference number # XXXX US DEPT. OF EDUCATIONXXXX Account # XXXX
Product: Mortgage

Comment : WELLS FARGO N.A, WFHM, & XXXX XXXX TRUSTEE SOLUTION IS IN VIOLATION OF NOTICE OF TRUSTEE SALE OF MY ( XXXX XXXX ) PROPERTY LOCATED AT : XXXX XXXX XXXX. XXXX XXXX, CA XXXX. 
NOT RECEIVING PROMISSED LOAN MOD DOCUMENTSSERVICER REFUSE TWICE TO ACCEPT MY PAYMENTS DEFECTIVE PAPERS ARE RECORDED WITH XXXX COUNTY, LOST THEIR TRUSTEE RIGHTS TO XXXX BANK ( TRUSTEE OF XXXX ), CHANGED NAME OF THE ADDRESSS & SUBSTITUTION TRUSTEE NOT FILED CORRECTLY, NO RECORD WITH STATE OF CALIFORNIA SUBSTITUTION TRUSTEE. NON DISCLOSURE OF DOCUMENTS & VIOLATION IE :. 1-XXXX XXXX BALANCE SHEET 2-XXXX 3-XXXX REGISTRATION STATEMENT 4-XXXX PROSPECTIVE 5-XXXX & XXXX XXXX SCHEDULE XXXX FULL ACCOUNTING & VERIFY STATUS OF AN " UNCONSCIIONABLE CONTRACT '' .7- VIOLATION OF DUAL TRACKING -I WAS IN LOAN MODE WHEN WFHM SEND LETTER OF -NOTICE OF TRUSTEE SALE, NO DENIEL LETTER / APPEAL LETTER /RIGHTS OF THE TRUSTOR / BORROWER WAS SEND. 8-VIOLATION OF THE SECURITY FIRST RULE ,9-WRONGFUL FORECLOSURE 10-VIOLATION OF THE XXXX FDCPA,11-VIOLATION UNDER B & P CODE 17200 ET SEQ :., NO RESPOSE TO MY NOTICES, OBJECTIONS AND DEMAND LETTERS DATED XXXX & XXXX 12-THERE IS NO DELINQUENCY OR DEFAULT -LENDER HAS BEEN PAID IN FULL 13-JUDICIAL PROCEEDING IN WHICH ALL PARTIES ARE INCLUDED WILL PROVIDE FAIR DETERMINATION OF THE RIGHTS, OBLIGATION AND TITLE TO THE PROPERTY, MORTGAGE AND NOTE.TITLE AGENT SAME AS TRUSTEE HAS INSURANCE FOR ERROR AND OMISSION THAT ISSUED THE POLICY WILL HAVE TOTAL LIABILITY FOR THIS FRADULANT TRANSACTION.13-VIOLATION OF CCC XXXX, XXXX XXXX, HBR, XXXX & XXXX .TO AVOID LITIGATION SOLUTION FOR THE PROBLEM IS THAT I WAS APPROVED HAMP AND PAID {$1800.00} FOR 9 MONTHS IN GOOD FAITH, I LIKE TO HAVE THE SAME DEAL, SO ME & MY FAMILY BE A GOOD CUSTOMER OF THE WFHM AND IN SUCH WAY BOTH PARTIES WILL AVOID EXPENSIVE LITIGATION AND ALSO MY LAWYERS AND CONSULAR GAVE ME THE ADVICE THAT RE ENTERY DEPT. XXXX XXXX XXXX IS NOT COOPERATING AND VERY RUDE IN HIS DECISION AND HE IS NOT GOOD FOR BOTH PARTIES. I HOPE AND REQUEST THAT WE SHOULD GET SOME REASONABLE PERSON WHO CAN UNDER STAND BOTH PARTIES AS CASE MANAGER IN THE RE- ENTERY DEPT : .I XXXX XXXX & FAMILY SUBMITTED ALL LOAN DOCUMENTS AND REQUESTED TO CANCEL / RESEND /POSTPOND SALE DATE. I HOPE YOU WILL UNDER STAND BOTH PARTIES POSITION AND INVESTIGATE THE MATTER, WHICH IS BEST FOR BOTH THE PARTIES. 
THANK YOU. 
XXXX XXXX
Product: Debt collection

I have reached out to XXXX XXXX and to Lockhart and morris collection company, I found an agreement with the school stating that I had to work for them for one year and that that would be resolved. I worked from them from XX/XX/XXXX up until I left Georgia in XX/XX/XXXX. After speaking with the school, they agreed at the speaking with Lockhart and Morris. They sent information to the school and then sent me a copy of the contract, which I already have, and still did not resolve the issue. my work dates for XXXX XXXX was I started school XX/XX/XXXX got my license XX/XX/XXXX from there. I did my training from XX/XX/XXXX until XX/XX/XXXX was waiting for the next part of my training and on a leave started back up and XX/XX/XXXX and was there until XX/XX/XXXX.
Product: Mortgage

In XXXX XXXX response on XXXX, XXXX to my request submitted in XXXX he does not supply the info i requested : on XX/XX/XXXX i rec 'd a statement dated XX/XX/XXXX with a reinstatement fee of {$40000.00} they refuse to give a breakdown of how that fee is calculated i have asked in the past for a explanation of escrow balance late charge balance XXXX XXXX XXXX unapplied funds but they refuse which is a violation of the CFPB instead he sends a copy of my mortgage and states i can contact them by phone or send a letter, well if you refuse to respond to my letters i have to use CFPB to request the info, and as shown in your response you still refuse to supply the information
Product: Credit reporting or other personal consumer reports

I am contacting you regarding discrepancies Ive identified in my credit file. Upon review, I would like to formally dispute the following inaccurate or incorrect information. 

XXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance {$110.00}
Product: Mortgage

My account was sold to Shellpoint Mortgage Company from XXXX XXXXXXXX XXXX. 
I have called Shellpoint Mortgage numerous times regarding my payments. After speaking with numerous people, I was told to email the loan servicing department to send my bank statements to show the payments have been made and cleared. I have done so. When I asked to speak with a supervisor, I spoke with XXXX XXXX and she gave me her direct email address to send the statements and Veteran information to her. I did what she requested. Now I can't get in contact with her and I have called numerous times to see if it has been updated. It hasn't been updated. Today I spoke with XXXX, another supervisor and that was a lost cause as well. Shellpoint refuses to update my account to reflect payments have been cleared, plus update my Veteran 's status to reflect that I'm a XXXX XXXX XXXX veteran.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I was contacted via text by a phone number stating it was XXXX XXXX XXXX XXXX, asking if I had made a charge or if it was fraud. I had not made the charge so replied no, and a man called to go over several charges with me to determine fraud or not. This all seemed rather typical. I had also XXXX  the phone number which came back as XXXX XXXX XXXX XXXX. He was explaining everything to me and saying that someone was trying to make Zelle payments I had not authorized, but in order to reverse them Id need to make the transaction so they could flag it on their end. 
Needless to say, that was not the case. They got me to send {$500.00} to an email address that I do not know who it was. I contacted my bank for assistance and also Zelle but never heard back. I hope to get my money back if you can please help! Didnt realize this was an option for assistance. 
I have screen shots and emails of all messages still and can send.
Product: Credit card or prepaid card

I entered a consumer credit Transactions with this company with my open ended credit plan. Wells Fargo alleged that I've had alleged unpaid obligation to them, then they processed to charge off and close the credit account. There are no law under the Truth in Lending or FCRA Statutes that stated anything about Late Payments in connection to an open ended credit plan. 
However, 15 USC 1602 states that an account can not be closed without the original creditors written consent. It further states that a natural person can not assume any debt, and pursuant to 18 USC 8 the United States assumes all obligations. Yet, Wells Fargo is attempting to collect an alleged debt from me while harming my consumer reports and my reputation which is a clear violation of 15 USC 1692d ( 1 ). 

To make matters worst, they continue to report the account charged off to the credit reporting agencies every single month for the past 5 years