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

Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by World Finance Corporation. 

While checking my credit report, it came to my notice that World Finance Corporation has furnished XXXX accounts # XXXX & XXXX on my Consumer Reports. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties the three major CRAs XXXX, XXXX, and XXXX. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by World Finance Corporation will amount to Communication. 

I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. 

The provisions of 15 USC 6801 ( a ) state 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. 

Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 

15 USC 6802 ( B ) clearing states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party.

15 USC 6802 ( B ) 1b 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 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. 

Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications regarding these accounts, XXXX, and XXXX immediately. This includes but is not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or World Finance Corporation, except a communication, confirming your acknowledgment of this letter, is in violation of my Federally Protected Consumer Rights. 
If you do not cease communication I will escalate the matter to a Federal Complaint.
Product: Payday loan, title loan, or personal loan

After a year of perfect, on-time payments of the loan that was approved by the Lending Club literally in 10 min ( inXX/XX/2018 ), I applied for another loan to refinance the current loan. Since Lending Club does not offer to refinance, I had to apply for the 2nd loan. 
I applied and went through weeks of endless phone calls, submissions of various documents, which they kept requesting after each submission and NEVER, EVER requested the first time. 

To my complete shock, I GOT DENIED! With the credit score 120 points higher than when I applied for the previous loan, with the perfect 100 % record of paying on time, with the income higher than the previous year, basically, every score higher than it was when I applied the first time in XX/XX/2018, and I got denied, because these predators at the Lending Club don't want to lose their highway robbery interest of 22.75 % they are charging me on the current loan. 

The refinance interest would be 13 %, high, but not as insane as 22.75, but they said the amount I wanted to borrow was too high relative to my earnings, while they gave me a lot more with the income a lot less within 10 minutes back in XX/XX/2018. 

They want me locked into 5 years of the financial slavery where I would be paying more than {$15000.00} in interest instead of 3 yrs 1/3 of the previous amount in interest.

With the refinance I would be paying a basically similar monthly amount, which I was paying until today, and they had absolutely NO problems with me making these payments. They had NO problem whatsoever loaning me much higher amount the first time. 

These are extremely predatory practices that they need to be investigated for!
Product: Debt collection

I reached out to Conns, numerous times since the beginning of 2019, about a credit card debt they are falsely reporting to the credit bureaus. I've provided a police report previously and other false Conns was reported was removed from my credit files. For some reason the company refuses to remove the current false account. I spoke with the fraud department and was told they would investigate the account but I haven't heard anything since, this was months ago.
Product: Debt collection

XXXX XXXX / XXXX / {$280.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) / XXXX / {$500.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XXXX XX/XX/2018 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

I called experience in regards to XXXX points been taken off of my credit report I explain to them that the creditors did not let me know that I owed anything and I asked them if Ive paid them already I can show proof will they put the XXXX points back onto my credit I was told yes and I also asked if I could file a complaint five hours later they took XXXX points off of my credit I have receipts showing that Ive paid off what they say the reason why they took XXXX points off of my credit was because of the credit card bills which were paid off along time ago delinquent accounts I believe that I am being discriminated on
Product: Vehicle loan or lease

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Debt collection

Hello, My name is XXXX XXXX. I am unaware of this debt, I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe that I've received proper notification please provide the certified mail with a receipt with my signature on it stating that I've received it.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I reported unauthorized use of my card and account bank of america did not see any unusual activity closed my claim. few weeks later they froze my account due to unusual activity on my account. i called and reopened my claim gave them the police report case number. i then received a letter stating they had closed my claim again
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in 30 days up to 60 days 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 XXXXXXXX XXXX XXXXXXXX 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: Checking or savings account

I got a loan on about XX/XX/2021 in my chime account and they had my acct.open after i received my loan of XXXX for about a week so on the XX/XX/2021 they closed my acct and i have emailed them time after time and after the second day they said i would have something in my mailbox in a week and i went to my mailbox and i hadn't received anything from chime so i emailed them back and they sent me an email saying i will receive something in my mailbox in 2 to 3 business days and i still haven't received any kinda do documentation letting me know why they close my account and the people who deposited to me is wombly they also contact chime because i have been with them for 3 years and chime let them know that they have no problem with them depositing my funds because i was in good stardards with them i have the email frm wombly to prove that they contacted chime before depositing my funds its now XX/XX/2021 and i have yet heard from chime they telling me that they are not gone refund my money and im not understanding why they haven't given me a direct answer and i also have other deposits coming to my card that im not able to get thats not right for them to just take my money and not tell me anything i really need help with resolving this matter i cant contact no one to talk to or anything i have bills that need to paid lije asap and i cant get no help with this matter
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE. Kindly expedite the removal of the unauthorized accounts from my credit report. I did not authorize or initiate these accounts and have no knowledge of their origins. In compliance with USC 1681g, I formally request their removal within 15 days. Relevant documents are enclosed for your review and reference
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been sending me inaccurate credit scores and report through my email and their website XXXX XXXX XXXX XXXX. 
XXXX XXXX company has a business partnership with Transunion and XXXX Credit Reporting Agencies only and not with XXXX. 

On XX/XX/XXXX I received a Transunion  alert verification and Notification from XXXX XXXX that my XXXX XXXX XXXX Auto Loan account # XXXX has been placed Current and Deliquency and 30-60-90 days late has been removed and deleted by XXXX on XX/XX/XXXX. 
XXXX XXXX implemented a recent XX/XX/XXXX Transunion credit score of XXXX. 
But XXXX XXXX hasn't displayed the same information and credit score with XXXX. 

Also, XXXX XXXX is not displaying XXXX XXXX XXXX XXXX XXXX XXXX of a merchandise credit of XX/XX/XXXX till Present.I have been making timely payments since XX/XX/XXXX till Present. 
I made contact directly with XXXX Credit on XX/XX/XXXX on my account # XXXX this account is only displaying with XXXX and XXXX XXXX stated to me on XX/XX/XXXX around XXXX XXXX California time that XXXX XXXX sends verifications to XXXX, Transunion and XXXX. 

I been having many issues with XXXX XXXX with their inaccuracy credit reporting alerts and not reporting accurate credit scores. 

I am XXXX Lifetime, XXXX and a XXXX XXXX XXXX XXXX XXXX. 
Respectfully XXXX XXXX are supporting our XXXX XXXX and Citizens in the community of America. 
I am going through a VA Loan and purchase process in Florida and need accurate information what has been implemented on this complaint. 
Is XXXX XXXX violating my XXXX XXXX Civil Rights Act under Department of Justice? 
Very Urgent Matters!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX XXXX XXXX referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date.

Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an inaccurate charged off account on on my credit reports. I have been disputing this account with the credit bureaus for a while now. How are all three bureaus reporting different things if they are all getting their information validated from the same place? This account is reporting multiple inconsistencies between each bureau. This account is reporting different balances, last active and payment dates. Surely they are not conducting a proper investigation into this account otherwise this account would not reporting very inconsistently. It is the consumer reporting agencies responsibility to report accurate information and they have failed me. It is illegal to report inaccurate information on a consumers reports and I am requesting that this account is deleted from my reports now!
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, this disputed item may not appear on my credit report if it can not be supported by any evidence. XXXX XXXX XXXX has not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Credit reporting or other personal consumer reports

These accounts keep getting closed and reopened and a lot of them are incorrect
Product: Checking or savings account

This complaint is against the Executive Office at Wells Fargo. In being very careful not to duplicate a complaint against this very questionable Financial Institution, my complaint is very specific to a sole / certain issue in my dealings with Wells Fargo. With the various governmental Financial Oversight Agencies, I can not understand how a Financial Institution such as Wells Fargo is allowed to stay in business??? Their lengthy history of validated fraud, fraudulent accounts opened by Wells Fargo, Customers money removed in a fraudulent manner, such as my {$8800.00} in my retirement savings -- - and lest we not forget XXXX XXXX in Civil Penalties, and XXXX XXXX in restitution, how is Wells Fargo allowed to continue to function as a Financial Institution?? How is Wells Fargo allowed to be trusted with Customers Money?? I'm very angry at myself for not researching Wells Fargo prior to trusting them with my Retirement Savings. 
I have been trying to collect my lost monies of {$8800.00} from Wells Fargo since XXXX XXXX. I have involved the : -- XXXX XXXX XXXX -- Consumer Financial Bureau -- Office of the Comptroller of the Currency -- FDIC Consumer Response Unit and I have posted many facts online for customers to beware -- prior to trusting Wells Fargo with any Financial Activity, and certainly not their Retirement Savings. 

My case was once again turned over to the Executive Dept. at Wells Fargo. The Executive Office Case Specialist assigned to my case is XXXX XXXX. He has communicated with me x 1. He sent me an attachment which I can not download, as I made him aware of this. And of course this is the 3rd Executive Case Specialist that I have been assigned to. My question is simple : why does Wells Fargo continue to shut me out and ignore me? My only goal is to get an agreeable resolution to my {$8800.00} retirement savings, which was lost in a fraudulent manner in transactions by Wells Fargo. And this was after I had my accounts deactivated and disabled!! I am not going away until my {$8800.00} that Wells Fargo list through Fraudulent activity is collected.
Product: Bank account or service

I have a XXXX account for a XXXX - XXXX. We received an award from the Department of Justice and I submitted an XXXX form to have funds electronically deposited. The DOJ tried to confirm the account with Bank of American and got no response over a 2-month period. They called me with this problem and I went into the Bank of America branch at XXXX and XXXX in XXXX OK to ask them if they would contact DOJ and confirm my account. I met with branch officer XXXX XXXX. She told me that there was nothing she could do and it would have to go through a fax line. She had no other information and did not offer to assist. I asked her for a phone number to a department within BOA that could help. She offered no help. I then attempted to contact DOJ while in her office to see if there was a way to expedite a resolution. She got irate, told me that I was " wasting her time '' and " to get out of her office ''. She was screaming to get out. My colleague was with me and commented that she did n't need to yell and she then said she was calling the police. When asked what happened to customer service, she yelled " Shut up! '' I will be closing my account with BOA. I would hope no other person trying to get a problem resolved has to interact with this very rude individual who should absolutely not be working with the public. This incident was at the least an unprovoked verbal assault.