23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

The company name is Cashcall , Inc who is client of XXXX XXXX, XXXX who client of XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX, CA XXXX. I had a judgment placed on my bank account by XXXX XXXX XXXX for a loan in year XXXX. Cashcall has major lawsuits for bad loan practices where they had an injunction to not pursue their clients due to high interest rates. The loan I obtained in XXXX  was for {$2600.00} currently they want me to repay {$8400.00} which per injunction this is illegal. They have the offices stated above that took all my money through a levi on my account. Injunction from Superior Court of California case # XXXX
Product: Credit reporting

The account was mistakenly sent to XXXX for outside collection after we had a payment agreement with the original creditor. We called in XXXX to make the final payment only to be told that the account was know longer with them so they were unable to accept our payment. We were told to contact XXXX and make the payment there. We called XXXX immediately at that time and were told that the account had not been transferred to them as of that time and that we would have to wait until they had the account in house before they could accept the payment. It was n't until late XXXX that the account had arrived to XXXX so they could accept payment. On XXXX XXXX XXXX we made the final payment on the account. At that point the account was paid in full, the issue was closed and nothing was ever supposed to report to credit. Now a full year and 2 months later in XXXX of XXXX XXXX is incorrectly reporting a open collection on this same account that has already been paid to all XXXX credit bureaus. I have called them and there response is that they are not and have never reported this account to credit. They state that it is each of the credit bureaus that is reporting this not them. This issue has caused my fico to drop XXXX points creating an extreme hardship for me and has damaged me financially. This is illegal, wrong and the account needs to be deleted from my credit report as soon as possible. All supporting documentation is attached for your review and consideration.
Product: Vehicle loan or lease

On this date XX/XX/2022, I refinanced my XXXX car loan ( account number XXXX ). I did not realize I obtained two loans at the same time. XXXX XXXX Bank approved my loan ( account number XXXX ). XXXX sent a payoff to XXXX in amount of XXXX on date XXXX  Then XXXX XXXX XXXX  ( account XXXX ) sent a payoff to XXXX on XXXX XXXXn amount of XXXX ( Check Number XXXX ) and ( Tracking number XXXX ). Then XXXX sent a refund to XXXX XXXXXXXX XXXX on date XX/XX/ and credited on XX/XX/2022 ( account reference number # XXXX ). I am paying the XXXX car loan. XXXX XXXX Bank claims that it did not receive a refund from XXXX and keeps sending me notices for payment on that loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just checked my credit report today, XX/XX/2020. There is a new " delinquent account '' listed from Midwest Recovery Systems. It states that the account with them was opened on XX/XX/2020 and that I have a debt of {$1500.00}. I have never received any communication from this company whatsoever, not by email, phone or mail. When I tried to phone the company, I was placed on hold for several minutes and then the call was disconnected. I have no idea who this company is and I would like them reported and removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I called Transunion regarding fraud after an inquiry showed up on my credit report from XXXX XXXX, so I placed a freeze on my credit report until I could figure out this inquiry. When I spoke with Transunion 's agent, she told them it would take at least 30-60 days to remove this inquiry from my credit report. In the meantime. I contacted XXXX XXXX  and disputed the application and inquiry. I did file a complaint CFPB Case XXXX, your agency, to which XXXX XXXX  responded, and in the response on XX/XX/XXXX. In their response, XXXX mentioned they had sent back in XXXX of XXXX a request to remove the fraudulent inquiry from my Transunion credit file. Also in the response from XXXX XXXX, they stated they had sent another request to have this fraudulent inquiry from my credit report. 

As of this complaint, on XX/XX/XXXX, Transunion has failed to respond to either of my and that of XXXX Back requests dating back to XXXX of XXXX to have this inquiry removed from my credit report. With Transunion 's failure to remove this inquiry, which by consumer protection, has 30 days to remove and investigate this false information. As of this complaint, which is five months after my initial contact on XX/XX/XXXX, with Transunion, the inquiry is still reflecting on my credit report with them. 

" Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. ... If the review isn't complete because, as commonly happens, a data furnisher doesn't get back to the credit bureau in time, the agency is obligated to remove the disputed record '' Why hasn't this inquiry been removed? Their failure to do so has caused me higher interest rates and a lower credit score. What recourse does a consumer have with a credit bureau that failed a consumer?
Product: Payday loan, title loan, or personal loan

I XXXX XXXX was approved for a Title Loan with First American Title Lending for {$3000.00} upon approval I agreed to repaying the loan in full making monthly payments of {$310.00} per/month totaling {$3300.00} if paid in full XX/XX/2022 {$3000.00}. XX/XX/2022 call to make a payment ask for the balance of the loan representative responded {$3000.00} I ask how is that possible I have made payments from XX/XX/2022 on time to current Rep apologized for the incorrect information provided stated the monthly payments applied was to continue the loan I responded that was not the agreement. I contacted XXXX New Deal XX/XX/2022 ( XXXX XXXX XXXX ) approved the loan paid off the total amount in full to First American Title Lending. 

First American Title Lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXXXXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account 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: Credit card or prepaid card

Citifinancial/Citibank Credit Cards During Covid Pandemic I wanted to lower my credit card balances on Credit Cards to improve my credit scores and utilization I paid a significant amount to my credit cards. I wanted to benefit from improved credit scores and refinance my house Citibank instead of allowing me to see the benefits of on time and lowering balances proceeded to reduce my credit limit and increase my credit card utilization which in turn impacts my credit scores. 

I requested Citibank to return my previous limits. They refused. I asked if I had chosen to repay another creditor would they have had to keep my higher limits. They confirmed they would have had no choice to keep my limits. I was penalized for repaying the wrong creditor to try and improve my score
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX, North Carolina Laws Dear XXXX, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws specific to XXXX XXXX, North Carolina XXXX 

It has unequivocally come to my attention that XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, North Carolina state law, specifically N.C.G.S. 75-61 and 75-62, emphasizes the necessity of consumer consent for credit reporting. Furthermore, North Carolina Identity Theft Protection Act establishes clear guidelines for the fair reporting and protection of consumer credit information. Identity fraud laws in North Carolina underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable North Carolina statutes XXXX Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and North Carolina state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out multiple times to remove any and all inaccurate information per FAIR CREDIT REPORTING ACT.
Product: Credit reporting or other personal consumer reports

I value your help too removed a portion of the data on my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or removed. Per FCRA segment XXXX you are expected to eliminate any records recorded on XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

I am a member of chase bank, I use XXXX  for purchases for bills and all things of that nature. On XXXX XXXX, I was a victim of a XXXX  scam. I was promised XXXX on stud services for my XXXX XXXXXXXX XXXX XXXXor {$3100.00}. The payment was split in XXXX. XXXX on XX/XX/XXXX the other on the XXXX and the one on the XXXX was for a fake shipping fee they sent me using a website called XXXXXXXX My bank hasnt refunded my money back and I know by law they have to this is not right! I need your help please!! I have messages from the dude who scammed me to where he stopped texting me after I asked over and over for a refund back from him he sent false shipping information to me about the service I wanted for my XXXX XXXX XXXX! I XXXX XXXX  for a living not scam people out there hard earned money! The bank has yet to let me know if they can reverse the funds from this scammer I need help!
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Dear Sir/Madam, I am filing a complaint about Discover credit card ( account # XXXX ). This account was opened on XXXX/XXXX/XXXX and according to the terms and conditions, the card will receive XXXX miles per every dollar spent and the first 12 month 's earned miles will receive a match bonus. Since account opening, I have earned XXXX miles. My account has always been paid timely. 

Discover card closed my account for no reason on XXXX/XXXX/XXXX, just a few days before the first annual anniversary. After my account closure, they not only denied my last statement miles credit but also told me that I would not receive the annual match credit. They stated that their program policy is if the account is closed, it will not receive the match bonus. 

It is apparent that Discover card closed my account just 4 days before the 12-month anniversary just to deny my due credit of {$2300.00}. Discover has been trying to deceive its customers to open and use their credit cards with a promotion that they know they will deny in the end. This type of deceptive practice can not be allowed. I am hereby asking discover card to credit my account XXXX miles in cash format of {$2300.00} as a direct deposit to my linked bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681 604 ( 4 ) 2. In accordance with the written instructions of consumer to whom it relates. 15 usc 1681 602 ( a ) 4 .there is no need to insure that consumers reporting agency exercise there grave responsibility with fairness, impartiality and respect for consumers right to privacy. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter from XXXX XXXX XXXX dated XXXX XXXX, 2017. This company 's action is not federally backed. This company is trying to collect a debt that is past the 4-year statute of limitation which definitely has already expired. Also in the letter they sent, there is nothing stating that the debt can not be sued over. These definitely are violations of FDCPA. Collection agencies are obligated to state this in their correspondence. I am also sending this company a letter to demand them to cease and desist any collection activity including reporting to the credit bureaus.
Product: Student loan

I am filing this complaint regarding a serious privacy and data security violation involving my student loan andXX/XX/XXXX records maintained by the U.S. Department of Education. Recent reports indicate that unauthorized personnel from the Department of Government Efficiency ( DOGE ) accessed sensitive student loan and XXXX data without proper authorization, in violation of FERPA ( Family Educational Rights and Privacy Act ) on XX/XX/year>. 

According to an article by the Associated Press, DOGE employeessome of whom lacked proper clearancewere able to view personally identifiable information ( PII ), including Social Security numbers, financial details, and loan records. Additionally, there are concerns that this data may have been processed using artificial intelligence tools, further increasing the risk of misuse or exposure. 

This unauthorized access raises serious concerns about potential identity theft, loan mismanagement, and improper handling of my personal financial records. As a borrower, I expect my loan data to be protected and only accessible by authorized personnel.
Product: Mortgage

On XX/XX/XXXX I contacted XXXX XXXX serviced by Shellpoint, regarding my HELOC, loan.

I contacted them because they had placed forced flood insurance on the HELOC, however, I already have flood, property, fire and windstorm on the primary mortgage and forced insurance is unnecessary. 

On XX/XX/XXXX, I sent proof of this insurance. I never received a letter of receipt of my XX/XX/XXXX email with supporting documents I have called multiple times since XX/XX/XXXX to get a status on the removal of the forced insurance, the closure of the escrow account ( there shouldn't be one at al since this is the secondary not the primary according to my broker and attorney ), and the payment amount to return to the original amount prior to the forced insurance.

The calls were all recorded and I was assured it would be taken care of immediately AND that the overage payment would be refunded back to me in the form of a check. Again, all of these conversations have been recorded. 

I just called again, and the customer service representative was lovely however, she was told that no, the amounts haven't changed quite yet, to hold tight AND that I would NOT be receiving a check in the overage amount that I had paid, but instead it would be applied to my principle. 

I am not in arrears, and it is my decision if I want an extra payment put towards my principle, which I do not. I want the overage amount sent back to me, and the monthly payment amount to immediately reflect the original monthly payment. 

To add insult to injury, I also received a letter today from XXXX XXXX, serviced by Shellpoint, in the mail that said my forced property insurance would increase my payment by {$250.00} instead of the incorrect forced amount of {$160.00}. 

So, not only have they failed to rectify the issue, close the escrow account, or refund me the money I PAID because they screwed up, but now they are increasing the amount???? 

I have called so many times, and asked to speak directly to someone in the insurance department to no avail. They have given my the " direct number '' XXXX, which does nothing but put back in touch with a customer service representative and they have to keep putting me on hold to speak to the insurance department. 

This place is a mess. 

My ask is simple : 1. close the escrow account ; 2. fix the monthly amount I need to pay so that it doesn't have any forced insurance ; 3. Reimburse me for the overage amount that I have paid due the mistake of the XXXX XXXX, do not unilaterally apply it to my principle. 

Please assist me and hold these folks responsible for this sloppy work. They are taking money that sis not theirs and unilaterally and inconsistently deciding what to do with it. Every time its a different answer. 

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

The Bank sent letters dated XX/XX/2019, offering a thirty ( 30 ) percent discount on the balance owed on on my loan accounts. This offer was not prompted by me, none of my loans were in default or past due. It was presented to me as a " special offer '' to " select borrowers ''. As it was a good business decision, I took the offers and paid off the loans at the discounted rate. Of the three Credit Reporting Agencies, two have seen that this was not a derogatory action to my credit, and have Reported Accurately. However, Experian continues to report my credit score 200 points below the other agencies credit scores. In addition, Experian is inaccurately reporting my available credit to be {$25000.00}, when all other Credit Reporting Agencies are showing more than 20 times that amount. I am in the process of purchasing a home and this inaccurate reporting is causing irreparable harm to my Credit and Financial well being. I filed disputes with Experian, they closed the file pushing blame on the Bank, I spoke to the Bank and they stated they reported accurately and it should not be listed as a derogatory mark. Experian closed the file with no explanation. I have an account with then and pay for their services, for which, they claim they can do nothing. 
Please help me to fix this problem and prevent others from being harmed in this deceptive trade practice by Experian.
Product: Credit reporting or other personal consumer reports

Account Number starting with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Whose address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2023, Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard.

Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. Thank you for your cooperation. 

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

i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative and outdated items and incorrect addresses from EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT XXXX According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below XXXX XXXXXXXX XXXX XXXX XXXX ; {$43000.00} XX/XX/XXXX