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

In accordance with the Fair Credit Reporting Act this list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX Account # XXXX has violated my rights ; XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. ; XXXX XXXX Account # XXXX has violated my rights ; XXXX XXXX XXXX. Account # XXXX has violated my rights ; XXXX XXXX XXXX Account # XXXX has violated my rights ; XXXX XXXX XXXX Account # has violated my rights. ; 15 USC 1681 Section 602 It states I have a right to privacy.

15USC 1681 Section 604 A Section 2 its also states a comsumer reporting agency can not furbishaccount without my written instruction.

15USC 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, other than crimes which antedate the report by more than seven years.

15USC 1681s 2 ( A ) ( 1 ) states a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable causeto believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Borrower XXXX XXXX said that after a new servicer, XXXX, took over ... with accusations ranging from bad lending practices to violating state law to ... For the first time ever, the public can see the graduation rates for Pell ... Borrower XXXX XXXX said that after a new servicer, XXXX, took over ... with accusations ranging from bad lending practices to violating state law to ... For the first time ever, the public can see the graduation rates for Pell ... 


ask yourself would you pay for violations done to you NO!!!!!!!!! 

XXXX XXXX XXXX {$2200.00} {$3800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX XXXX listed multiple 30/60/90/120 day late payment on my credit report from XX/XX/2018 to XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX  and Transunion. Please remove the 30/60/90/120 day late payments from my credit reports.
Product: Debt collection

I have contacted this company XXXX XXXX and three different collection companies regarding a debt bill for XXXX XXXX and although the debt was a result to identity theft when they first contacted me to pay it with XXXX and XXXX XXXX  ( I thought it was a law firm for a parking ticket and scamme me into paying it ) I did, then it was resold to XXXX XXXX and I explained to them that I paid it and then it was resold again to Penn Credit Corporate now reporting under XXXX XXXX for {$120.00}. I went back and contacted the collection company XXXX XXXX XXXX that I paid and they said that I no longer owed the debt and verified but they are not required to contact XXXX! This debt is continuesly being resold and is tarnishing my name! XXXX Manager stated to me that she can not do anything about it when I submitted proof and identiy afidavits as well as police reports. 
I do not owe this debt and it needs to be removed asap!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
UTILITY SELF-REPORTED XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION continues to inaccurately report XXXX  information on my credit profile. I have pointed out several inaccuracies on this account to the credit bureau. I have yet to receive a response back and I'm certain no reasonable procedures were conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. How can a disputed be resolved if no human being is actually looking at the obvious inaccuracies i continue to point out to them all. Using a computer to electronically review my dispute is unacceptable. How can they possibly resolve the disputed account if no reasonable procedure was performed? It is a violation to my rights to claim that an account has been resolved if it's not reporting 100 % accurate. TransUnion reports that the account was opened XX/XX/XXXX, XXXX reports it was open XX/XX/XXXX and XXXX reports it was open XX/XX/XXXX. Those are clearly different dates. How is it possible the account was opened on both? Also TransUnion reports the last date of activity as XX/XX/XXXX, XXXX reports it as XX/XX/XXXX and XXXX reports it as XX/XX/XXXX. How could this be possible? This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion. I want this account deleted immediately.
Product: Debt collection

I XXXX XXXX file this complaint with the Consumer Financial Protection Bureau, as I have already proven that USA Funds is using another scam on a debt collection process that has already been beaten in federal court against XXXX. The student loans were all procured well before 2005, and my student loans were privatized, not owned by the United States Department of Education, or guaranteed in any sort. Originally USA Funds were trying to establish an administrative garnishment, but that was shut down by the Department of Education. The collection attempt was by a Massachusetts debt collector named XXXX XXXX. Now USA Funds plays a musical chair approach by seeing if they can slip in another wage garnishment and they are trying the administrative garnishment process again. This is not only illegal, but this company did a hearing request where I would have to travel out of state to appeal the process in general. This is a violation of the stringent collection guidelines within the state of New Jersey. USA FUNDS is not bonded or licensed to do business with any resident of the state of New Jersey. They are a deplorable operation that will attempt anything to collect on any debt, even debts that are no longer enforceable, such as my 20+ year old private student loans. There were several complaints against this company online, and in state courts nationally. An administrative garnishment can only be enforced to the benefit of the United States Department of Education. period. 
I demand a complete rescission of the attached threat for administrative garnishment. The timeline for a legal collection process on private debts have long passed XXXX XXXX. This false administrative collection process is what got XXXX fired by the United States Department of Education as a sanctioned debt collector, and USA FUNDS has no authority from any federal agency to collect on behalf of the taxpayers of the United States. USA FUNDS is not even legally bonded or licensed to do business in the state of New Jersey.

I DEMAND A CEASE & DESIST ON ALL FURTHER ILLEGAL ACTIONS BY USA FUNDS.

USA FUNDS IS IN TRUE VIOLATION OF THE NEW JERSEY FAIR DEBT COLLECTION PRACTICES ACT 45:18-2 AND THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT.

CEASE & DESIST AND FILE THIS COMPLAINT WITH THE FEDERAL TRADE COMMISSION TO START A PROPER INVESTIGATION AGAINST USA FUNDS ILLEGAL COLLECTION PRACTICES!!!

USA FUNDS MUST PURGE MY FILE PERMANENTLY!!!
Product: Credit reporting or other personal consumer reports

I contacted XXXX, XXXX and XXXX to request deletion of this inaccurate data from my XXXX XXXX Report, but they have refused. I am a litigious consumer Meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice. 
These items should be deleted immediately while in litigation per FCRA guidelines. if you fail to comply with Federal Law and not delete these items after receiving this paperwork will result in your company owing XXXX per violation.
Product: Money transfer, virtual currency, or money service

I have used the international transfer company, Wise, to send remittances from the US to the XXXX ( USD to GBP ). Several times these were instant transfers as promised, however recently for this transfer I was told it wouldn't arrive for a couple of business days. 

I actioned the transfer on XX/XX/2024, which was $ XXXX from XXXX XXXX , with a guaranteed GBP arrival including all fees of XXXX. 

However, immediately upon transferring the money, I was then told that the money would not arrive until XX/XX/2024. Despite this, the money left my XXXXXXXX XXXXXXXX very quickly ( not pending, the transaction went through ). I tried calling customer service, and they said my money was on the way to them but they couldn't locate it ( this was very unhelpful ). Also, as the allocated time had passed for the guaranteed rate, they couldn't let me know what rate I would get and how much would arrive, despite me never agreeing to any other rate. This means I don't know where my money is, when it's " arriving '', and how much will arrive. I have since read several other reviews on this company which state that Wise pretend not to have their money and hold onto it for months. I tried putting complaints through to customer service, have spend a long time on the phone with them. They refused to put me on the phone to anyone that could help, and couldn't say anything other than " your money is on its way to us '' or " it's with OUR banking partners ''. I've also tried to reach out via their website but got no responses. 
They still have not confirmed where my money is.
Product: Vehicle loan or lease

For the last week I had an approved loan with Bank of America with terms of APR of 5.39 % Nothing changed through the process, I was sent an electronic signature and signed everything but right after, I realized they had changed the APR to 6.39 % No one mentioned it beforehand, XXXX at bofa isnt returning my emails about it, I called and talked to someone not involved, they said it went up due to needing more money. 
They changed the rate without mentioning it hoping I wouldnt notice. Bait and switch The lady on the phone will not honor the original terms Because I had been approved at that rate, I did not explore other options, now I am supposed to have the paperwork for a XXXX by today so Im sort of out of options I got tricked
Product: Checking or savings account

Hey, I had a account with chime and I deposited a XXXX XXXX loan from the company XXXX to the chime account because the chime account was approved by the loan company the loan was deposited on XX/XX/2021 for {$35000.00} on XX/XX/2021 they closed the account with {$10000.00} left in the account and said it was being closed due to the deposit of the loan and they wanted me to explain the loan and verify myself and they will send me a refund check in the mail in 30 days if Im verified. So I did receive a check in the mail on XX/XX/2021 with only {$300.00} dollars from the account. I instantly emailed them back and told them I only received {$300.00} and theyre member service team replied saying sorry about the inconvenience we will send you another check in the mail containing the XXXX and we will expedite it in 10 days. Its XX/XX/2021 and I still havent received a tracking number or my refund from chime so I emailed back after the 10 days now they are saying my account is closed due to there internal policy I dont know what to do chime is taking of Advantage of me Im a young man I take care of myself I have bills to pay!
Product: Credit reporting or other personal consumer reports

Dear, Credit report agencies your Investigation took more than 30 days. 

Please remove immediately. 

Will invoice CPA for violations if not removed. 

See attachment. 

In attachment all unknown and inaccurate items are in the FTC report. 

I uploaded all information to move forward with removing those items I enclosed everything you need I.D Social security card and mailing documents.
Product: Debt collection

This is my second time reaching out to the cfpb for help after case XXXX was closed with no resolution or explanation. Bull City Financial Solutions violated the FCRA with a debt they say I owe back in XXXX. The issue still exist, Bull city has not yet verified the debt they say I owe and is still reporting the information on my credit report. Back on XX/XX/XXXX I mailed a written letter asking for validation to a debt placed on my credit report, and Bull city financial solutions failed to validate the debt and provide appropriate documentation. All proof of this was uploaded with complaint XXXX filed on XX/XX/XXXX. The CFPB failed to investigate thoroughly and continued to allow the information to be reported. 

Fast-forward to XXXX, I took it upon my self to try to settle this matter since I had been receiving no validation of the debt from bull city and no help from the CFPB. On XX/XX/XXXX I mailed a written letter once again, this time mentioning that bull city financial needs to validate my debt. The letter also mentioned that I did not believe the debt is mine but am willing to settle. A similar letter was mailed to Bull city financial on XX/XX/XXXX as well. 
Both of my letters were received and ignored by bull city financial solutions. 
My latest attempt to get validation from the company was me sending out yet again another debt validation letter. The letter was sent on XX/XX/XXXX and received on XX/XX/XXXX. 
Bull city financial solutions have yet to respond with the appropriate documentations needed to validate a debt under the CFPBs new Debt Collection Rules. ( https : //www.consumerfinance.gov/about-us/blog/understand-how-cfpb-debt-collection-rule-impacts-you/ ) Bull city financial has failed repeatedly to provide : Name and mailing information of the debt collector. 
Name of the creditor to whom the debt is owed. 
Account number ( if any ) associated with the debt. 
An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records. 
The current amount of the debt as of when the validation notice is provided. 
Information about your debt collection rights including how to dispute the debt.
Product: Checking or savings account

So I have recently tried to open a checking 's account with Axos Bank and have already called their customer service to have my application cancelled which of course means I have already been denied an account with them as I wanted to do my banking somewhere else. However, I would like Axos Bank to remove me from XXXX so that it doesn't show up on my report and their customer service didn't know what I meant when I tried asking them to have me removed from XXXX.
Product: Vehicle loan or lease

Dealership and the BANK told my my {$4000.00} deposit was going to add to my and it didnt and I I had the Inssurance manufacture I purchase knowing i cant use it, so I canceled and the different suppose to add to my balance. 
Nothing
Product: Student loan

I just do n't make enough money to repay these loans. XXXX made me take out loans against my better judgement as a XXXX year old child with XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. 

To XXXX XXXX XXXX XXXX i owe - {$23000.00} To XXXX XXXX XXXX XXXX i owe - {$49000.00} This was all for a 2 year degree no one will even look at because it says XXXX on it. Please help i am getting physically ill from the XXXX of dealing with these people.
Product: Debt collection

In accordance with the Fair Credit Reporting Act, XXXX XXXX and XXXX XXXX XXXXXXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX  XXXX  and XXXX XXXX XXXXXXXX has violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information. 

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 

15 USC 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. 

XXXX XXXX and XXXX XXXX XXXXXXXX Character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802. 

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Product: Credit card or prepaid card

i was notified by XX/XX/XXXX barclays that a strange charge had been made on my card # XXXX on XX/XX/2020 from XXXX 's XXXX in XXXX NV I informed them that the card was in my possession and had not been used by me. 

I reported the fradulent charge on XXXX XXXX, 2020 officially. 

at that time they cancelled the old card and insisted on issuing me a new card ending in # XXXX, although i did not want it. 

I never activated that card. 

on XX/XX/2020 i received a letter confirming that their fraud department had determined that i was not responsible for the reported fraudulent activity. 

I then began receiving bills for the old fraudelent charge on the new card that i had never activated. 

I have recieved bills for the same fraudelent charge on the new, unactivated card every month since XX/XX/2020. 

I have called barclays every month since XXXX and have spoken to numerous people who have assured me that they will rectify this. I just recieved a bill for the month of XXXX. 

my FICA score has been affected, and my credit was just under XXXX before this. 

they keep sending me bills, destroying my credit and will not fix this no matter how many times i call or who i speak to.
Product: Credit card or prepaid card

sent Citibank two letters to close my XXXX XXXX, {$500.00} master card account and they have thus refused to close and return my Ernest deposit. 
there for asking the government to force them to comply. 
they already failed, to open a checking account based up on discrimination they deny, so I want nothing to do with this lousy discrimi tort bank. 
XXXX, opened a {$1200.00} credit card with no problem or security and a new checking account no problem, so I have no need for Citibank and never will.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXXXXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXXXXXX XXXX Acct # XXXX, and Dept of EDXXXX XXXX # XXXX has violated my rights. 

XXXX XXXX.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

313.7 Form of opt out notice to consumers ; opt out methods.

( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 
( 2 ) Examples ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( A ) Identify all of the categories of nonpublic personal information that you disclose or reserve the right to disclose, and all of the categories of nonaffiliated third parties to which you disclose the information, as described in 313.6 ( a ) ( 2 ) and ( 3 ) and state that the consumer can opt out of the disclosure of that information; and ( B ) Identify the financial products or services that the consumer obtains from you, either singly or jointly, to which the opt out direction would apply.

( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form that includes the address to which the form should be mailed ; or ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out.
Product: Credit card or prepaid card

I have received a letter explaining I should have received an EIP card but it's not been activated. I never received the card so I called the XXXX number for XXXX listed XXXX - but none of the options work and there is no option to speak to an individual. There is also no email or place online to report a lost or undelivered card. The fact that economic stimulus payments are being distributed by a vendor who does not have a proper customer service center or working phone tree for filing lost cards is absurd. I am trying to claim this EIP but again, none of the phone options work and no combination of my SSN and zip works.