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

Dear 800 LOANMART I am writing to address 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 ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 .

It has unequivocally come to my attention that 800 LOANMART has already 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, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information. 
I assert with unwavering certainty that I have not provided consent for 800 LOANMART 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 800 LOANMART 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 Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day 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, Texas state law, and identity fraud laws. 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 800 LOANMART will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

XXXX.
Product: Debt collection

I have requested documents from the Bureaus, and i have been ignored!!
Product: Mortgage

Our real estate taxes are escrowed. The first installment was due to XXXX XXXX ( IL ) on XX/XX/XXXX. The disbursement was made from our escrow account on XX/XX/year> but has not been received by XXXX XXXX. I have spoken with Huntington Bank several times. They agree that XXXX XXXX has not received payment, they can not tell me why, they tell me payment will be wired to XXXX XXXX and the late payment fee will be paid by Huntington, but they can't tell me when this wire will be sent. This has been on-going for two weeks and still no payment has been made to XXXX XXXX .
Product: Checking or savings account

On XX/XX/2020 I was driving for XXXX and picked up a passenger. The passenger asked to use my phone to contact a friend to correct the address destination. The passenger refused to return my phone. Within a period of less than 10 minutes the passenger had broken into my phones Bank of America app. Between XXXX transfer and XXXX they transferred {$2100.00} into their bank accounts. After realizing what had happened I immediately called Bank Of America and filed a fraud report on these two transactions. They had advised me that the XXXX charge would be back in my account in a few days and It was returned. However, the XXXX transfer ( boa 's main way to transfer funds ) could take up to 45 days to return into my account. I waited for the 45 days only to receive a rejected claim. So I called back and they said my claim was processed wrong and they would process it again and the funds should return to my account in 10 days. Then 10 days later my claim once again was rejected. I had filed a police report on XX/XX/2020 for two felony charges. I was advised by the bank to file a police report to speed up the process with no luck. My own bank could not protect my money even with thumb print security protection on my iphone and a password system.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year> and noticed some things incomplete and not accurate. and according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate these accounts listed below because Hard inquiries ( XXXX XXXX bank, XXXX XXXX XXXX XXXX XXXX XXXXo, XXXX XXXX XXXX XXXX, XXXX, XXXX, FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I didn't authorize any of those inquiries and have no knowledge and i believe they're inaccurate according to the fair credit reporting act.
Product: Checking or savings account

I disputed a fraudulent transaction with Regions Bank. Dispute me filing an affidavit and them closing my card due to fraud they deemed the charges valid without ever contacting the merchant where the fraud occurred. I was charged two ( 2 ) times that I did not authorize after doing business with the merchant months earlier for a completely different amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I took out a car loan with XXXX XXXX for a XXXX XXXX XXXX when I had a previous job, however by XX/XX/XXXX I reached out to XXXX  to tell them at the time I lost my job and needed assistance. XXXX arranged deferral which kept extending the dates on my loan which they claimed was a good practice on top of which I found later they were still billing me late charges to the loan which kept being accumulated from the date of the initial late as such XXXX end up charging me over {$5000.00} in extra fees not agreed to in my initial loan agreement. 
This predatory behavior continued culminating at its peak at XX/XX/XXXX, when while I was in talks with XXXX they repo my car illegally, while I had made a payment through their system of the balance owed. It took me 3 weeks to get my car back and on top of that they tacked on over {$1500.00} in additional fees. XXXX through the life of my loan continued to act unethically, going against out initial agreements and adding 30 day lates to my credit even though I would call them and they would have agreements with me on file. 
On XX/XX/XXXX after getting notification from the Florida attorney general and calling their office, I was navigated to the website : XXXX XXXX XXXX where I have come to now realized how XXXX has taken advantage of me and so many others across the country and I need my situation to be resolved. I contacted XXXX in XXXX to notify them of the issues first letting them know it was almost 3 years since I had needed any sort of help and I was timely if they could do a goodwill and help me resolve the issues ... however I was given no helped. 3 weeks after this I decided to now take the the legal route as alluded to by the Florida Attorney General 's office. Its been over a month and nothing has been resolved. Hence I am taking my issue first to the CFPB to get a resolution with XXXX  before I escalate this matter any further.
Product: Debt collection

Hello, Today I am filing a complaint on Procollect of XXXX, Texas. The reason in being is because I received a letter from Procollect on XX/XX/XXXX saying I owed a amount of {$11000.00} due to a collection that was said I owed from a old apartment complex I lived at. When calling the collection company, I immediately told them that this debt was not mine and that this was dismissed in the court of law. Upon telling that to Senior Collection Agent XXXX XXXX of Procollect, I experience the most absurd, disrespectful, rude, belittling customer service I have ever experienced. Upon informing him that this debt had been settled he then yelled at me and accused me of being difficult. When I asked to speak to another agent he said that I would, get him every single time, and that he would falsely notate my account saying I was yelling and being rude. He also hung up on me several times. I was also told that I had until XX/XX/XXXX to file a dispute against this collection, however this collection was reported to my credit report and my father/guarantors credit report on XX/XX/XXXX. When I called to gather more information be aggressively asked me, Why do you keep calling being annoying? I then told him that I would file my dispute and would no longer contact them or their client and would like all contact to be stopped between all parties. 

Every customer service agent I spoke to was very dismissive, condescending, and rude. I only wanted to inform them that this debt was dismissed in the court of law and that no judgment had been found against me to pay this, so I dont owe it and to removed it from my credit report. I truly ask that this complaint finds someone who can stop this from happening to anyone else. This debt collector is illegally filing things to my credit report and I am asking that they be investigated and for this collection to be removed from my credit report until further notice. This company has many complaints filed for the same action they took against me and this needs to be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account listed on my credit as Toyota Motor Credit with a reported balance of {$310.00}. I was in a severe hit and run car accident that hospitalized me and totaled my car back in 2017. At the time of the accident I did have Gap insurance that covered the total cost of the car loan of {$17000.00}. As of today on my credit there is still a reflecting balance of {$310.00}. I have reached out to Toyota Motor Credit on numerous occasions of an explanation of how I still owe {$310.00}, I can never get to a representative and the few times I did get a hold of someone I constantly get transferred and everyone that I am transferred to says they don't see a balance and this account was closed however this is still showing on my credit report. but the GAP insurance sent this company a check. There should be no balance left on the loan because this is paid. I did everything on my end with the GAP insurance company after I got from the hospital to get this vehicle paid in full. I am asking the company of Toyota to fix this on my credit report as paid in full. I want to go back to toyota to purchase a vehicle but this {$310.00} balance is hindering this.
Product: Payday loan, title loan, personal loan, or advance loan

I am filing this complaint against Personify Financial ( Applied Data Finance , LLC d/b/a Personify Financial Services, LLC ) , for failing to investigate and correct inaccurate information related to my personal loan account ( # XXXX ) despite multiple disputes. Despite repeated disputes, Personify has failed to address multiple violations of consumer protection laws, including the FCRA, TILA, IRS charge-off reporting requirements, and potential usury laws. 1. Failure to comply with arbitration clause : The loan agreement includes a binding arbitration clause requiring disputes to be resolved through arbitration. personify failed to initiate or complete arbitration before charging off the account on XX/XX/year>. This is a breach of the agreement and undermines the legitimacy of the charge-off. 2. Inaccurate Reporting and Misrepresentation of Ownership : The account was sold to XXXX XXXX XXXX but Personify continues to report a balance on my credit report which is misleading and violates FCRA 1681e ( b ). 3. Unsupported charge-off balance : Personify has not provided documentation to substantiate the reported charge off balance of {$3900.00} despite my request. 4. TILA Violations : The loan agreement fails to meet TILA disclosure requirements. It does not provide a clear breakdown of the APR ( 36.20 % ), total repayment amount, or how bi-weekly payments of {$110.00} were calculated. These omissions make it impossible for borrowers to fully understand the cost of the loan, violating TILA 's Regulation Z. 5. Investigation Did Not Fix Errors : Personify did not adequately address these inaccuracies in their investigation and failed to provide evidence supporting the accuracy of the reported information. 6. IRS Charge-off Reporting Requirements Ignore : IRS regulations XXXX XXXX XXXX XXXX ) require creditors to issue a form 1099-C when a charge-off occurs for amounts exceeding {$600.00}. Personify has not provided anu evidence of compliance with this requirement, raising questions about the validity of the charge-off. Without proper documentation, this reporting is incomplete and misleading.7. Usury Concerns : The loan agreement does not specify the governing state law for determining permissible interest rates. This raises questions about whether the 36.20 % APR exceeds state usury laws, which typically cap personal loan interest rates. 8. Privacy and Transaction Reporting Concerns : The inaccurate reporting of transaction history and account status violates my right to accurate and lawful reporting under FCRA 1681b, which limits the permissible use and disclosure of consumer information. Personify failures have caused significant harm to my credit report and financial standing. Their refusal to address arbitration compliance, TILA violations, and the misrepresentation of the account damages my financial reputation and ability to secure credit.
Product: Debt collection

XX/XX/2016, signed up for XXXX XXXX XXXX XXXX. The sales manager at that time was XXXX XXXX. he told me and a few others in the neighborhood there was no credit check and no cancelation fee. That turned out absolutely wrong. I later found out that it was indeed a credit check in which i didnt authorize and there was termination. I called in and was given a email address to email the legal dept for XXXX but i never got a response from them. Since then XXXX, the new sales manager XXXX XXXX in the area has been coming around to do what he calls " damage control '' he told me XXXX XXXX is no longer apart of the ompany because he gave false information and there is a lawsuit against him. I would like this removed and more information on the lawsuit.
Product: Debt collection

I am receiving letters from First National Collection Bureau , Inc for the current creditor " XXXX XXXX XXXX '' for XXXX XXXX XXXX XXXX for a debt I do not owe. 

The Ref # is : XXXX in the amount of {$1600.00}. I do not owe this debt and want them to stop contacting me.
Product: Debt collection

I.c systems reported collection on my credit reports, on behalf of XXXX which I never had .. XX/XX/2019 Trying to collect {$440.00} Account is not mine I have disputed this collection with ic system over the phone and through the credit bureaus As a fraudulent account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these accounts have violated my rights 15 U.S.C 1681 section 602 states I have the right to privacy also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX  # XXXX XXXX XXXX XXXX # 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 or other personal consumer reports

I am writing to file a formal complaint regarding Kia Finance America 's ( KFA ) failure to correct an inaccurate charge and its subsequent negative impact on my credit report. I lease a vehicle through Kia Finance America and am eligible for a military excise tax exemption in accordance with the Servicemembers Civil Relief Act, as confirmed by the City of XXXX XXXX XXXX XXXX. Despite this exemption and multiple attempts to inform KFA, I was charged excise taxes for XXXX and XXXX, which I paid under duress to prevent further damage to my credit score.

I have repeatedly communicated this exemption to Kia Finance America, provided supporting documentation, including an abatement certificate from the XXXXXXXX XXXX XXXX, and requested a refund for the excise tax payments. Kia Finance America has yet to refund the payments or correct the inaccurate information on my credit report, which has unjustly resulted in my account becoming delinquent.

This inaccuracy has significantly impacted my credit score and, as a result, delayed the pre-approval process for purchasing a home. After disputing this matter with the credit bureaus, I was further disappointed to learn that their " investigation '' only consisted of forwarding my dispute and supporting documentation to Kia Finance America. The credit bureaus then provided Kia 's response as the final " dispute results, '' after almost a month of anticipation, without any meaningful investigation or mediation. 

I am requesting the CFPBs assistance in resolving this matter and holding Kia Finance America accountable for refunding the excise tax payments and removing the incorrect negative information from my credit report. The inaction from both Kia Finance America and the credit bureaus has caused undue financial hardship, and I would appreciate the CFPBs prompt attention to this issue. 

Thank you for your assistance in addressing this matter.
Product: Credit card

I had XXXX credit cards with HSBC, XXXX was a basic card with no annual fee, and the other was their premier credit card which had no annual fee as well because of my premier relationship with HSBC. After years of having my basic card, HSBC notified me that they were no longer offering the card and as such they were upgrading it to their premier card ( which I did not request ). At this point I now have XXXX premier credit cards as a result. I didnt mind this because I am a premier client because I meet all of the XXXX respective criteria which was maintaining a minimum cash balance, having direct deposit above a certain amount, or having a mortgage with HSBC ( you only need to meet XXXX of these criteria to have the annual fee waived ). To my surprise HSBC charged me a {$95.00} annual fee on XX/XX/year> to XXXX of my cards despite my continuing to meet the criteria necessary to not be charged this. I called to complain and tell them I shouldnt be charged. To my surprise and disappointment they told me that due to a policy update premier clients are now being charged the annual fee. In addition to this XXXX {$95.00} fee they told me Id be charged another {$95.00} in XXXX for the other card. I let them know the HSBC unilaterally upgraded my basic card and now is unilaterally changing key terms and conditions that I relied on to get th premier credit card. I barely use each card and an annual fee of a combined {$190.00} isnt worth the value Im getting. The only option they offered me was closing these credit cards which will hurt my credit severely considering that I have nearly {$65000.00} in combined credit on both cards. Id like for HSBC to not charge me this {$95.00} fee on each of these cards since I did not sign up for a credit card with an annual fee with them. This bait and switch practice is incredibly deceptive and harmful to consumers.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF HUMAN TRAFFICKING, AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. 

CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3.

EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS.

AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED.
Product: Credit reporting or other personal consumer reports

I asked Equifax to investigate my dispute & verify ownership. No documents were provided to indicate how the information was properly verified.
Product: Mortgage

In XXXX I took out a mortgage with midland mortgage. In XXXX I got divorced, I gave the house to my ex wife. I had an attorney draw up property settlement agreement giving my ex wife the property. I shortly after that filled out and notarized the mortgage assumption paperwork Midland Mortgage sent me. I have been told several times by midland mortgage I am no longer on the mortgage and do not have any rights to information pertaining to the mortgage. My ex wife has modified the mortgage two times in the last 9 years. Both times in her name only. However Midland Mortgage stated that they have not released me from liability on this mortgage. Its very confusing because if Im not on the mortgage and she can change and modify this mortgage without my consent however it still reports to my credit. Please help me understand why she assumed the mortgage however I am still responsible? Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed numerously about inaccurate information that is not mine.They have included this information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports the publish.According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I have made numerous attempts to have this account and inquiries removed to no avail. Please can you assist me in getting this account as listed and all inquiries removed immediately. This has been very time consuming and has caused me a lot of undue stress due to these circumstances. I thank you for your help and assistance and look forward to a resolution in this matter. 

XXXX XXXX XXXX XXXX Acct # XXXX. 
And all inquiries listed on my credit report that I did not authorized.
Product: Credit reporting or other personal consumer reports

My experian credit report showed XXXX XXXX student loan accounts reported while I only had XXXX loans. XXXX of those accounts have the full balance in them 1 subsidized 1 unsubsidized while the other 2 had the prior half balances that were also totaled into the full accounts. I disputed this multiple times and after several attempts of stating they were balances included in the full reported accounts they removed only 1 of the 2 incorrect accounts. They are reporting several XXXX dollars in false loan information by doing so. XXXX states it's not them and it's experian and the XXXX site only shows the {$8700.00} student aid balance in federal loans but experian continues to show {$11000.00} in XXXX loans. As I disputed this multiple times and experian continues to show false balances and extra accounts while XXXX responded with they are accurate or the correct information and balances would of been fixed I am filing this report.