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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Trans Union, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states 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 XXXX XXXX XXXX dba XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX dba XXXX XXXX the financial institution and the Consumer reporting agencies Trans Union, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Trans Union, XXXX, XXXX or XXXX XXXX XXXX dba XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX dba XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Trans Union, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform the lack of accountability and transparency is unacceptable.
Product: Mortgage

I discovered that Colorado Housing Finance Authority ( CHFA ) sent out a check for {$310.00} in XXXX of XXXX. I never received a check, and discovered that it was sent out in XXXX of XXXX. I contacted CHFA and the rep said that they would research it and if it wasn't cashed would issue another check. The representative said that it would take between 1-2 weeks. After the 2 weeks past, and I did not hear anything else I called back in on XX/XX/XXXX. The representative said that they couldn't find the request but would resubmit it with 1-2 weeks again being said it would be done. After 2 weeks I called again. The representative said that they would send an email to their cashiering department and they would give me a status. In the beginning of XXXX I received an email from CHFA saying that the request for the check was submitted on XX/XX/XXXX with an estimated receipt of 30-60 days, which would of been XX/XX/XXXX. After the 60 days I called back and was told by various representatives and supervisors that it would be 30-60 days, 30-90 days, and my options are to wait the 30-60 days or start the process all over. Finally a supervisor said that she would get it it and I should receive it by XX/XX/XXXX and would receive an email with a tracking number as it was being sent by 2 day XXXX. XX/XX/XXXX passed and again nothing so I called back and was talked to a supervisor who said she was going to talk to them and I should have an answer by the end of the day. On XX/XX/XXXX, I contacted them again since there still wasn't any answer and was again told various other dates for when it will be sent out or would have someone contact me, which has only happened once back in XXXX. Every call has not offered any solution besides wait longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified both XXXX and Experian of an account that arose from identity theft. I sent an affidavit via US mail certified. I included all documents that are required to report identity theft to consumer reporting agencies, including identification along side, Social Security card, which is needed to legalize an affidavit document. In response, neither consumer reporting agency followed, correct protocol outlined in the federal credit reporting act by blocking such information within four business days yet both companies have sent me a response, one electronically and one via mail stating they dont believe the documents sent In were made by me. Well thats impossible? The documents were notarized. This is blatantly knowingly and willfully, stalling my request and to continue to report this record that stemmed from identity theft. Most likely their response stems from the fact I identified the companies who committed identity theft against me, which is XXXX XXXX, Experian, and XXXX. XXXX has since deleted such account. I have attached many documents associated that have been sent out in regards to the complaint.
Product: Debt collection

The company has not validated the debt as required by law. I have not received my right to dispute the debt or received anything that validates this debt or the account that was reported.
Product: Checking or savings account

On XX/XX/XXXX I used my PNC checking account debit card to satisfy a payment to XXXX, XXXX. 
My cell phone had failed. XXXX contracts with XXXX to handle their extended warranty service plan. I called XXXX, spoke with a person called XXXX, who agreed the phone was qualified for a replacement. The cost of replacement was {$99.00}, paid by debit card. The phone was to be mailed and arrival expected within 10 days. USPS tracking # XXXX was issued. I contacted XXXX for status and was told they could do nothing, replacement shipped. 
I contacted PNC and filed a dispute on XX/XX/XXXX, ie the merchandise not received. On XX/XX/XXXX, they requested more information, see attached. On or about XX/XX/XXXX, I received a secure message within my PNC account that the dispute was settled, the merchant didn't do wrong, no refund will be made. Same day, I called PNC for copies of the investigation documents, nothing received to date. 
If you check the tracking number, the merchandise is still in transit as of today, see attached.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX has XXXX following information incorrect on my experian and XXXX report XXXX Last Reported : ( Dates do not match ) Date Last Active : ( Dates do not match ) Date of Last Payment : ( Dates do not match )
Product: Debt collection

XXXX XXXX XXXX have been contacting me about a past due debt. A representative contacted me in XX/XX/2023 requesting the debt to be paid, I told them I did not know what this debt was for and requested a debt validation letter. The rep gave me the web address to the pay screen where there was no contact information on it. When I continued to question the rep about the debt in question and a signed contract, she stated that they do not have that and that they are not the holders of the debt. I stated that I was not comfortable giving an unknown company my money when they can not provide information on what the debt was for and the fact that she stated that they do not own the debt. This appears to be a scam.
Product: Debt collection

Received a summons to appear in court for a credit card that was never opened by me which can be verified by my credit report. Never received notices just went straight to a summons. The summons only included the last 4 numbers of the account and no transactions except a {$25.00} payment. I am going to send a certified letter to collections company regarding validation of debt and a letter to the credit card company.
Product: Credit reporting

I went chapter XXXX bankruptcy and was fully discharged in 2014. I monitor my credit reports weekly and I notice that XXXX who was included in the Bankruptcy continues to contact the reporting agency 's each month reminding them that I was Bankrupt in 2014. It causes a red flag as my credit card recently alerted me when applying for credit. XXXX is the only creditor who does this and I believe they are allowed to continue to remind the agency 's since the case was discharged fully in XXXX 2014. I will attach a copy taken from my Transunion Credit Report.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a inorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second complaint I have submitted. XXXX  have yet to block a fraudulent XXXX XXXX XXXX  XXXX XXXX Account # XXXX reporting on my XXXX  consumer report. I am I victim of identity theft. I sent XXXX a FTC report, report number XXXX. My next step is filling a XXXX  complaint against XXXX  and filing a complaint with the attorney state General, and file ligation. Also, Experian sent me an alert through the Experian app that they removed the fraudulent XXXX  XXXX account XX/XX/XXXX ( see attachment ). Today, that account is still showing on my Experian credit report.
Product: Credit reporting or other personal consumer reports

I filed for XXXX  XXXX bankruptcy on XX/XX/XXXX and have been discharged since XX/XX/XXXX. 
My Experian/XXXX credit report generated on XX/XX/XXXX labels 8 accounts as late which is adversely affecting my score even though those accounts are closed and have been discharged through bankruptcy.

My understanding is that any discharged debt under bankruptcy can not be marked anything other than closed and can not directly report as late. 

I disputed the statuses of those 8 accounts but was denied because This account is scheduled to continue on record until XX/XX/XXXX. '' I just need the following banks and or credit companies to adjust this based on bankruptcy law. 

Experian and XXXX claims that the following are late/closed but lists 8 account as late and a 35 % payment history. 

accounts that show 60 days late directly in experian : XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX is the only credit report that does not have this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX Account # 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting 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 XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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: Student loan

I enrolled in XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX. I started the class and after one week I withdrew from the program after badly failing their mandatory tests. Their boot camp is setup so that students can not complete the material in the time frame requested and most students fail or drop out with nothing to show for their effort. I notified the XXXX XXXX XXXX XXXX, my academic adviser, and the student loan company/Climb Credit that I was withdrawing and to cancel my loan. Climb credit emailed me back and told be that my loan was funding the next day and that I would have to get a refund from the school. I called my academic adviser/XXXX XXXX XXXX who told me to call XXXX XXXX who enrolled me with XXXX XXXX XXXX XXXXXXXX XXXX and he thought I had a withdrawal window to get out of the class.

Every time I spoke with XXXX he did not give me any options except to continue their program and continually lied telling me he would speak with his superiors as it was not his decision and that he would call me back. XXXX  never called me back or gave me any options to withdraw or make a partial payment. I called XXXX a week later after our last conversation and he kept giving me the same story and told me someone would call me. This has not happened.

Since then I enrolled in a local XXXX XXXX/XXXX and spoke with several IT professionals who confirmed my fears=that the 20 hour time frame XXXX XXXX XXXX XXXX/XXXX XXXX gives their students to pass XXXX XXXX  certification was impossible unless I already knew the material. The community college and other schools in my area give their students 280-300 hours to be able to learn and pass the XXXX XXXX  certification.

I knew I was in real trouble after my own academic adviser/XXXX told me not to be surprised that at the end of the course if not many of the enrolled students would not be around and most would drop out. The other issue is that they are not offering me any type of refund or partial payment options and are trying to stick me with the whole loan for {$7000.00}. XXXX/XXXX XXXX XXXX XXXX where I am now enrolled for the XXXX XXXX told me that if I do not complete 20 % of their program they would issue me a complete tuition refund. XXXX XXXX XXXX XXXX XXXX in XXXX XXXX told me they could only charge me for the portion of the program I completed if I withdrew early for any reason.

XXXX XXXX XXXX XXXX/XXXX XXXX is setting their students up to fail and roping them into {$7000.00} loans with Climb Credit with no option to withdraw or pay for the portion of the class that they did complete. Climb Credit is just as bad and refuses any options or relief from their " Student/Personal Loans. '' This is unreasonable and predatory lending practices at best if it is not straight up illegal.

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

XXXX XXXX showing XXXX XXXXXXXX XXXX credit card account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PR XXXX XXXX XXXX mailed me an automated letter saying the account was investigated. I request proof and mechanism of investigation this account does not belkng to me and it is no even on my XXXX repott Please have XXXX investigated withing 30 days and proceed with removal of the account. 
Account XXXX XXXX 120 days late Account never late it was paid please make it current never late XXXX XXXX XXXX  XXXX 120 days late Account never late please make it current
Product: Debt collection

Discovered several accounts on my report that seem incorrect ; request urgent blocking and deletion.
Product: Student loan

I attended XXXX in the mid to late XXXX 's. Was told they would be easy to pay off, and if i ever needed job help they would be there to help me. Here we are XXXX years later still paying on my loans. I am really XXXX that I have probably paid off my loan XXXX times over in just interest. I was told by XXXX that my loan would n't effect my credit but it did make it hard to buy my first house. After i graduated they sent me on XXXX job interviews, XXXX for a company that wanted me to do sales and other that looked like fun but it was graveyard only. I finally found a job on my own. I was laid off and when I went back to XXXX to get help finding a job, I was told that only current graduating students where being helped ever.
Product: Payday loan, title loan, or personal loan

XXXX XXXX I went online then telephone to obtain would be qualified. 
a {$1200.00} loan for car repair not a payday loan.. XXXX  XXXX  contacted me and stated that XXXX XXXX  would send me a list of loaners that I. Niswi, LLC dba Lendumo XXXX. XXXX XXXX XXXX XXXX XXXX was sent to me by email called them agreed to the loan for {$1200.00} at XXXX per month to be withdrawn from my checking account on the 1st of each month Lendumo made all arrangements on phone. for payments XXXX XXXX, XX/XX/2021 XXXX XXXX all withdrawn from my checking by Lendumo as agreed. XX/XX/2021 received an e mail that XXXX XXXX another {$490.00}. 
I called Lendumo Representative stated that since I did not pay on time I was owed Lendumo more according to the agreement I signed. I never signed an agreement or was it mentioned no agreement was sent by email for me to sign or stated on phone Representative stated it was in their website which I had no knowledge of. 
I was to make 12 payments at5 {$490.00} at 499.94 % I stated that was usury Lendumo made all arrangements for payments and never mentioned percentage rate or agreement or did I sign any agreement. I went to Lendumo website found the document my signature is not on document but printed which I never seen or heard. late fee charges are {$30.00} poer payment Please advise I am willing to testify in Court under oath to the above.
Product: Vehicle loan or lease

On or about XX/XX/2021, I called NMAC and was told third-party dealers were allowed to buy out leases. I attempted to sell my leased car to XXXX, but was told Nissan no longer allows third-party buyouts. 

Nissan has historically allowed other dealers to buy out leases, but has instituted a new policy and essentially changed the terms of my lease. It was allowed at the time of my lease, and are now taking advantage of the pandemic to strongarm leaseholders into car dealers to accept lower values than the market would allow otherwise.
Product: Debt collection

This experian sent their rules and regulations about their company but they did send proof about the inaccurate report
Product: Debt collection

This company has repeatedly harassed me after I have responded to them several times expressing that this is not my debt and did not open this account. It seems they bought this account from another company that previously I thought the matter had been resolved. I have sent them several letters requesting proof on how I supposedly opened this account but I get no response. Just several threatening phones calls and letters saying they were going to take me to court and seize my assets. This has been going on for several years through multiple agencies. I would just like this matter resolved and the harassment to stop.
Product: Debt collection

I have never had any contact with this company in my life and I now just found out that they had put negative information on my credit report. 
Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an investigation request to Equifax and XXXX XXXX over two months ago.  They were supposed to respond with the results within 30 days, but they have not.
Product: Debt collection

This debt was originally with a company called XXXX, they contacted me in XX/XX/2016 to collect the debt for XXXX. On this phone call I explained my situation to them which was I had dropped a phone that had about 8 months left on its contract and payment plan into a cup of water. Being that majority of my plan paid out I was willing to pay the remaining balance on the phone that I had damaged but I wanted my service cancelled because it was no longer working. The man I spoke to at XXXX agreed to make sure the service was verified cancelled before I made my the payment to them, so after about 10 minutes on hold and him speaking to his superior he said that they went ahead and contacted XXXX and had marked my account to be cancelled upon payment. It was at this time we settled on a payment of XXXX dollars which I made in 3 payments over 5 weeks. I have the bank statements to prove these payments were made. Shortly after I made these payments I checked my credit report to make sure it had been removed and it had not. It was at this time over 6 months ago now that I filed a dispute explaining all of this, after 2-3 weeks I got an email updating me that the derogatory mark would be removed and I had won the dispute and the creditor agreed to remove this from my credit report. About a month or 2 had passed and I got a phone call, now it was from this current debt collector I explained everything to the woman on the phone and she basically told me to go dispute it again if I want or pay them but that I 'm better off paying them. That is not okay, I settled on this debt, I paid the settled on amount, and now this is ridiculous. This debt is sold and bought for pennies on the dollar to try and collect from the next one. I 'm not paying this debt when I already paid it.