23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I went to follow up on a deferment that I had requested in XXXX of XXXX from XXXX XXXX on my account # XXXX because I had noticed that I was being assessed late fees for every month even though I had been paying my lease payment on time. I was informed that the deferment was never processed even though I had information specific to the deferral that would only have been obtained if they had processed it. As a result, they admitted fault by removing all the late fees, but it still meant that I was one payment behind which would have been deferred if they had processed it. As a result of them not processing the deferral, they falsely assessed me a 30 day late payment and reported this to my credit bureaus. Regardless, I made sure my payments were current and sent them a letter requesting that they remove the 30 day late payment from being reported from my credit bureaus because if they processed my deferral in the first place there wouldn't have been a 30 day late payment. They refuse to correct this and I am reporting them so that they can correct their error. If they do not correct this error through this process, I will be pursuing legal action for the falsely reported late payment.
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 XXXX XXXX XXXX XXXX XXXX XXXX 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 mentions a consumer reporting agency can not furnish an 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: Vehicle loan or lease

XX/XX/XXXX and XXXX XXXX XXXX violating my rights gave me false information and they took my vehicle I lost my job now I'm homeless because of them taking my vehicle even though I did a 1099 a and it was accepted here are a few codes that they violated 15 USC 1692 is one violation violation 15 Usc1611 15usc 6802 false information about the sum of the vehicle and then they gave my information to a third party when they repoed my vehicle and they're still calling my phone harassing me and they lied about the sum of the vehicle because they never added in the warranty for 5 years the car insurance for 5 years
Product: Debt collection

I am writing to express my extreme frustration and anger about the accounts on my credit report that I believe are inaccurately reflecting my payment history. I demand that these accounts be corrected immediately. Despite my repeated attempts to resolve this issue directly with the creditor and through your bureau, I have faced nothing but obstacles and delays. It is unacceptable that the creditor has failed to provide any supporting documentation to validate the debt, and yet the erroneous account is still listed as a late payment account on my credit report. I take this matter seriously and expect a thorough investigation into this dispute. I also anticipate a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. I demand that the credit bureau responds to this dispute within the stipulated time frame as mandated by the law. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). XXXX XXXX XXXX Date Open : XXXX XXXX, XXXX  Balance : $ XXXX-Late Open Late date : XX/XX/XXXX ( XXXX ) -XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX : Complaint Against Transworld Systems XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau XXXX XXXX am writing to file a formal complaint against Transworld systems for multiple violations of my consumer rights under federal regulations and statutes. The specific violations are as follows : 1. **Violation of 12 CFR 1006.34 ( b ) ( 5 ) : ** The collection agency failed to provide me with clear and conspicuous information regarding my right to dispute the debt and obtain verification of the debt. This omission hinders my ability to fully understand and exercise my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX. **Violation of XXXX CFR XXXX ( c ) ( XXXX ) ( i ) : ** The collection agency did not include necessary details in their initial communication with me. Specifically, they failed to provide the name and address of the original creditor, which is crucial information for me to verify the legitimacy of the debt. 

XXXX. **Violation of 12 CFR 1006.34 ( d ) : ** The collection agency did not provide me with a clear, conspicuous, and accurate validation notice. This notice is supposed to inform me of my rights to dispute the debt and to request the name and address of the original creditor. The omission of these details is a direct violation of my consumer rights. 

XXXX. **Violation of 15 USC 1681-5 2 ( 7 ) ( A ) : ** The collection agency has reported inaccurate information on my credit report, negatively impacting my credit scorXXXX. They failed to conduct a reasonable investigation to ensure the accuracy of the information they reported. This failure is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information furnished to consumer reporting agencies be accurate and complete. 
XXXX revoking all rights of Transworld Systems communicating with me through Text/Email/phone. 
I respectfully request that the CFPB investigate these violations and take appropriate action against Transworld Systems Additionally, I seek the following resolutions : - Immediate cessation of all collection activities until the validity of the debt is properly verified. 
- Removal of any inaccurate information reported by the collection agency from my credit report. 
- XXXX that future communications from the collection agency will comply with all relevant consumer protection laws. 

XXXX also requesting debt validation as well as the purchase agreement between XXXX and XXXX XXXX, XXXX also requesting that they furnish proof they are licensed and bonded. 
I appreciate your prompt attention to this matter and look forward to a resolution that upholds my consumer rights. 

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

I am formally disputing inaccurate and unauthorized information listed on my credit report. Ive received no notice an given no consent. This dispute is made in accordance with 15 U.S.C. 1641 ( b ) and 15 U.S.C. 1641 ( c ). I did not authorize the release or reporting of my personal information to the companies, and this constitutes a clear violation of my privacy rights. These entities have no legal grounds to report anything under my name.

Furthermore, my credit report contains unauthorized inquiries, which I did not initiate. According to 18 U.S.C. 1028, unauthorized inquiries are, by definition, identity theft. I consider these inquiries a clear case of identity theft, I demand that all disputed items be immediately removed from my credit report. 

In addition to these unauthorized inquiries, I have found private educational accounts being reported on my credit file without my consent. I do not wish for these private accounts to be disclosed or included in my credit report. Under the Privacy Act of 1974 ( 5 U.S.C. 552a ), which governs the collection, maintenance, use, and dissemination of personal information by federal agencies, I am entitled to control how my personal information is used and disclosed. This disclosure without my consent is in clear violation of my rights under this Act.

15 U.S.C. 6802 and 16 CFR 433.1 and 16 CFR 433.2 establish clear obligations regarding the protection of personal information and prohibit unfair or deceptive practices.

Pursuant to title 18 U.S.C 8 I do not owe any debt to these entities and I demand the immediate deletion of the items an inquiries in question to correct my credit report. 

Ive listed all the items SEE ATACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently went to check out a new car at XXXX. After carefully consideration I was decided to apply for a loan for this car. I was decline for a good rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX Bankruptcy, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. Inquiries : XXXX, XXXX XXXX. XXXX
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received {$20000.00} from my brother 's business account from California to be used for emergency medical funding for our brother back home in the XXXX. 

He sent the amount on XX/XX/2023 and I saw it in my Citibank mobile app as pending. 
Few days later, I do not have access to my app anymore and I called Citi to check what was happening. They told me that they need to verify where the amount came from so my brother from California contacted them together with his bank and had a three-way call to verify that it is a legitimate transaction. It still didnt work and the next day I went to the branch itself and they told me that my account was closed. 

This is unacceptable because my brother is in the hospital and that money was all we have for him. They said that the amount will be in review for XXXX days but we don't have that much time, if my brother dies because of this nonsense, we'll have to sue them for whatever extent possible. We are willing to send any correspondence or bank statements to prove that this money doesnt need to be held for too long. Please help us out.
Product: Checking or savings account

This is my second complaint regarding Navy Federal Credit Union. I want to close my savings account. Their prior response says " XXXX XXXX is not eligible for new accounts or services until her loan accounts are paid in full. '' I don't want any new accounts with this credit union ; I want to close my existing savings account. Thank you and have a nice day.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX thur middle of XX/XX/XXXX I was unable to do my payment in timely fashion I was incompastated at time. Some payment where made late or not all. I was in XXXX XXXX XXXX. By the time I was able to go back and do my owe finances the damage was done. I guess what I trying to say is I don't feel this should have negative impact on your credit scores. They closed my accounts, and drop my credit limit. XXXX would not help with there remarks. And Synchrony Bank closed one left one open, which makes no since. Once I was back in charge everything was back up to date. And a mortgage was Paid off which drop my score again. They didn't take in account what happened. I'm sure I'm not only one this happen to.
Product: Checking or savings account

Between XX/XX/20 and XX/XX/20, Huntington Bank charged my account a total of {$720.00} in Insufficient funds fees. When I called the only customer service number offered, I explained my financial hardship because of the fees, I'm a single mother with only 1 income, and the fees are causing further financial harm ( {$720.00} is half of a months rent, or a car and electric bill payment! ), they apologized, said they can only refund {$150.00} of the fees and sent me on my way. I have yet to find another way to dispute the fees with Huntington directly. I asked for the fees to be refunded so that I can pull myself out of the financial hardship I am experiencing due to Covid 19 setbacks, and the bank declined. The fees are exorbitant and causing myself and my children to suffer unnecessarily.
Product: Credit card

The credit card company formerly known as GE Money Bank who services several of my credit accounts randomly and without warning cancelled or closed paid accounts and lowered credit limits on my credit accounts without cause. I have never been late on any of my accounts and in fact have a monthly automatic payment set up on each of them. Because of this action my credit score has been harmed.
Product: Credit reporting

I ordered a free clue report online to see what was going with my insurance score and credit report this website on Lexis Nexis indicated they follow all governmental policy and procedures so I ordered it from them. The website asked for all of my personal information along with social security information which I provided for my free report I entered everything in and the site redirected me to my account page to access my report but there was nothing there? I emailed support and the responded with the exact same steps I performed the first time and said my case was resolved?? I : E see quotations of response from the Lexis Nexis company ) -- & gt ; & gt ; & gt ; ( To view your search results please access the weblink https : //personalreports.lexisnexis.com. Log in to your account and click on 'My Account '. Under " Members area '' click on " My products '' and here you will find links to view or share your report. Click on View Report. 
Date Created : XXXX/XXXX/2016 XXXX Date Last Updated : XXXX/XXXX/2016 XXXX Status : Solved Please let us know if we can assist you further. 
Sincerely, LexisNexis, Customer Support ) And that was it I had tried calling the numbers provided only to find each operator said they had no ability to transfer me to the right department?? So I am now filing this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine 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 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 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 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, credit repair services, or other personal consumer reports

Express Recovery services  ( XXXX - XXXX -- - XXXX ) is reporting several old accounts on my credit report which should have never been placed on there. For one I never got a notice and they just put the erroneous accounts on my credit file. They should have never been sent to collections in the first place because I had/have insurance. 

I have disputed this with ALL 3 Credit bureaus also and they are claiming they are valid and I demand to know how they got information showing it is valid because I would like to see that information!! They 100 % for a fact are not valid and they need to provide me this information or delete these accounts off my credit file.
Product: Mortgage

I have already filed a previous complaint ( XXXX ) about Loan Depot 's deceptive and fraudulent loan practices. Please refer to the previous complaint for details that started these issues with this company. The reason I am filing a new complaint is after being forced to pay $ XXXX to pay down the loan to correct the issue regarding additional flood insurance, I have asked for a recast ( loan modification ) to reduce the monthly payment. If Loan Depot had disclosed the issue about additional flood insurance prior to funding the loan, we would have had a lower loan amount which would have translated into lower monthly payments from the onset of the loan. Instead, Loan Depot waited 2 months after the loan was funded to inform us about the additional flood insurance. To avoid paying additional flood insurance, we were forced to pay down the loan by $ XXXX. Upon requesting a loan modification, we have been told there is a {$250.00} processing fee that will not be waived. This request is preposterous. If Loan Depot hadn't engaged in deceptive and fraudulent practices from the beginning we would have had a lower monthly payment because we wouldn't have signed off on the original loan amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/27 I submitted an application for a secured credit card with Discover card and was approved as long as deposit and required documents were provided. On XXXX, I submitted my bank information for the deposit and submitted docs, rep advised that someone was going to call me at the number on my fraud alert. I told her I no longer had that # and she advised I needed to call XXXX  to update and if it was done today XXXX, it would be approved an no need to reapply. I updated # with XXXX  and called Discover. They only asked for my social and transferred me to another rep that pulled my credit again and denied my application due to recent inquiries. These 2 inquiries were from Discover on XX/XX/27 and XXXX. Neither of the 2 reps ( Ohio ) I spoke to on XXXX @ XXXX verified my identity and pulled my report. I would like the calls to be pulled and file a complaint. I was not advised my report would be pulled a 2nd time, just that I needed to call today to tell them my # was updated by XXXX.
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/XXXX, around XXXX XXXX  XXXX, I was approached by two individuals, a man and a woman, who claimed to be collecting donations for California fire victims. I sympathized with the cause, as I have friends who were affected by the disaster, so I made a donation of {$15.00}, followed by an additional {$150.00}. As I was walking away, another person asked if I had given money to them. I confirmed that I had donated {$160.00} in total. This person then told me that they were scammers and had tricked him and others with the same story. I confronted the individuals and demanded my money back. The man became aggressive, and when I threatened to call the police, they fled the scene. I contacted Cash App immediately to report the situation, and they assured me they would investigate. However, Ive since been informed that they will not refund my money.
Product: Money transfer, virtual currency, or money service

I have a long-term business account with PayPal. I invoiced my customer for training so that they can pay by credit card instead of invoice. The customer agreed to pay in advance of service. However, when the customer paid the invoice by credit card on XX/XX/XXXX, PayPal placed the payment on hold. First, PayPal claimed that my account was too new. Then the system stated that I needed to confirm receipt and the customer needed to confirm receipt, with that the payment would be released within 3-7 days. As of today, I have confirmed receipt and my customer called into customer service to confirm receipt. However, payment has not be released as promised. Customer service now states that it could take up to 21 days for the funds to be released.
Product: Checking or savings account

In the beginning of XX/XX/2021 I received a letter from from chime stating that IRS was requesting documents. ( During covid my divorce finalised and was waiting to change my name ). The letter said no later than the XXXX. On the XXXX I messaged them asking how I can send them and what documents were needed. I turned all the information in, they sent me a email congratulating me about my name change and sent me a new card. I activated it around the XXXX of XXXX used it and by the XXXX my account was closed. I tried getting in contact with someone and an automated voice over the phone just said my account was closed and I cam reach them over text chat on the phone app. So I tried logging in only for it to tell me that I needed an account to log in. So I reply to the last email I had with them and they said we never got the info. Immediately I responded with that was incorrect and sent them a copy of the new debit card and my new ID. They responded back and said that's just your ID we need the other information. So I sent it another time. Waited a few days with no response. So I keep messaging them, still no response. Finally, I said forget it and said I want the account closed and to send me the money in the account ( 7,000 dollars and maybe more because my child tax credit is usually deposited around that time ). Still no response on anything about my money. Its been over a week and I haven't heard anything back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am been working for almost 2 years with Equifax to ensure no personal information and account information is incorrect, and not a mixed report with another person. 

I have additional issues with the accuracy of the Equifax report, including have an alternate social security number included that is incorrect. Further, Equifax removed some of my correct accounts from the report. 

I have attempted to remedy this multiple times.