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

There is incorrect personal information on my credit report. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, In XXXX, California enacted AB 539 which, effective XX/XX/XXXX, limited the interest rate that can be charged on loans less than {$10000.00} but more than {$2500.00} by lenders licensed under the California Financing Law ( CFL ) to 36 % plus the federal funds rate. My credit report states that on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) loaned money at an interest rate upwards of 130 % higher than allowed by state law. It is alleged that XXXX offers XXXX in over 30 states, whereby it originates, underwrites, services and enforces these loans, even claiming the loans on its financial reports. However, in states where 160 % APR is legal, XXXX names itself as the lender in the loan contracts, but in states where such APR is illegal, XXXX instead names a Utah-state chartered bank as the purported lender and XXXX  as the loan servicer. Then, after the consumer has executed the loan, XXXX purchases 95 % of the loan from the bank and maintains it thereafter. It is alleged XXXX runs this rent-a-bank scheme to purposefully skirt state law, including in XXXX XXXX XXXX California where this complaint originates. This loan originated at {$900.00} dollars after 9 months of payments was charged off with a balance of {$1500.00} dollars XX/XX/XXXX. This information is being reported as an OPEN ACCOUNT with a LATE PAYMENT as of XX/XX/XXXX on XXXX account number XXXX Equifax and XXXX. The XXXX, D.C. Attorney Generals Office filed and later settled a lawsuit against XXXX for the same rent-a-bank scheme and that XXXX own SEC filings concede XXXX may be the true lender on these loans and that the loans may therefore be invalid. XXXX is in violation of Californias usury laws, unjust enrichment, and RICO violations and seeks declaratory relief. XXXX should be held accountable for its racketeering and illegal loans in California by requesting restitution, compensatory, treble, and punitive damages, injunctive relief, and a judicial determination that XXXX is the true lender on the loans, that California law governs these loans, and that the loan contracts, arbitration clauses, class waivers and jury waivers are all void and unenforceable. CFL violations by XXXX, including the CFLs anti-evasion provisions. One of such provisions is Section 22326 which applies to any person, who by any device, subterfuge, or pretense charges, contracts for, or receives greater interest, consideration, or charges than is authorized by this division for any loan. The other provision is Section 22324 which prohibits contract [ ing ] for or negotiat [ ing ] in this state for a loan to be made outside of the state for purpose of evading or avoiding California lending law.
Product: Mortgage

I entered into a forbearance agreement with Cardinal Financial due to a Covid-19 hardship ( Reduction of work hours ). That agreement ended on XXXX/XXXX. I have called Cardinal at least a dozen times and informed them I wish to pursue XXXX XXXX Flex Modification for COVID-19 Impacted Borrowers. I have sent in the XXXX twice with email confirmation received. I have received no further communication from Cardinal to work with me on a Loan Modification as required by the CARES act. Today I received notice from a credit monitoring service that my loan has been reported delinquent to the credit agency despite this not being permissible by the CARES act.
Product: Credit reporting or other personal consumer reports

Below is a a summary of what happened during the investigation. 

I, Submitted to the CFPB on XX/XX/XXXXXXXX MIDLAND CREDIT MANAGEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Account number XXXX I am requesting a assignment contract regarding the account listed above This was Sent to company on XX/XX/XXXX The Company responded on XX/XX/XXXX Dear XXXX XXXX : Thank you for your inquiry through the Consumer Financial Protection Bureau ( CFPB ), which we received on XX/XX/XXXX. An investigation of this matter indicates that we are the owner of the above-referenced account, purchased on XX/XX/XXXX, in the name of XXXX XXXX XXXX , under the last four of the social security number XXXX. The balance at the time of purchase was {$760.00}, which is the current balance. A copy of the verification information provided by the seller for your account is enclosed for your records. Please be assured that we are a reputable company. We consider consumer complaints a serious matter, fully respect consumers rights, and apologize for the inconvenience caused to you. Thank you again for your assistance in this matter. This communication is from a debt collector.

This went against the FCRA law -My privacy was violated -This was willingly and knowingly due to the CFPB stating that personal information including SS number shouldnt be written on the sight and mines was. Now I have to worry if my information will be breached because of the company -the information that was giving wasnt even the assignment contract just a bill. They have no signed agreement contract with my signature on it for this account. The account shows that bill is owed to XXXX XXXX  and that XXXX XXXX has ownership as well as assignment contract not Midland credit medical.
Product: Credit reporting, credit repair services, or other personal consumer reports

The first inquiry in question was apparently made by XXXX XXXX XXXX XXXX  on XX/XX/2020 and I have no recollection of doing any business with XXXX XXXX XXXX XXXX. 

The second inquiry was made by XXXX XXXX on XX/XX/2020 and I have no recollection of doing any business with XXXX XXXX. 

The third inquiry was made by XXXX XXXX  XXXX on XX/XX/2020 and I have no accounts with XXXX XXXX XXXX. 

XXXX inquiries were made by XXXX on XX/XX/2020 and XXXX XXXX. I have no accounts with XXXX. 

Another two inquiries were made by XXXX XXXX on XX/XX/2020 and XX/XX/2020. I have no primary accounts with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Credit agency did not update credit file properly. 

I have not signed any written or verbal agreements with signed companies below : XXXX XXXX, Caine & Weiner, any other collection and incorrect reporting as lost or stolen. This is incorrect and I did not sign any contracts with the stated agencies. 

These items should automatically fall off : XXXX XXXX XXXX
Product: Checking or savings account

TD BANK IS BLOCKING ME FROM ENABLING EXTERNAL APPLICATIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted the request to remove inaccurate items : XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX to Experian. However, they concluded from their investigation that XXXX ( XXXX XXXX and XXXX XXXX ) were verified and XXXX XXXX XXXX would remain on my consumer report. However, after receiving information from the XXXX XXXX and XXXX XXXX XXXX they are collecting a debt that is time-barred in my state. Section 16.004 of the XXXX XXXX XXXXXXXX and Remedies Code The statute of limitations on debt in Texas is XXXX years. 

In addition, the results from XXXX XXXX XXXX weren't verified by Experian they just stated the information will remain on my account. This account still remains unverified on my account. They didn't conduct a reinvestigation on this account they just state the company certifies that the information is correct. This blatant disregard of the law you, CFPB, is unacceptable. As a consumer, this worries me when a consumer reporting agency believes they are above the law. 

Under FCRA 1681i ( a ) ( 1 ) ( A ) : Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Under FCRA, 1681e.b Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates.

Experian is in violation of the above laws because they are to prepare my consumer report and follow reasonable procedures to assure the maximum possible accuracy of the information on my consumer report. They not only are not following reasonable procedures to assure the maximum possible accuracy for the information being reported on my consumer report. They are verifying inaccurate information on my consumer report. They didn't conduct a reasonable reinvestigation to determine if the accounts are accurate or not. I have lost confidence in the way they are conducting unfair and inequitable credit reporting methods. They are causing me financial harm by continuously allowing inaccurate information on my consumer report.
Product: Debt collection

I have asked Unifund to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Vehicle loan or lease

Several times Capital One auto finance has returned my auto loan payment. Each time I've called and their representatives have stated that the money was returned do to an issue with my checking account number. Each time I have contacted XXXX XXXX and their representatives state that Capital One is returning the payments. This makes my payments late and I incur fees!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, XXXX. ) XXXX to equal customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process XXXX as untair an deceptive, as they XXXX not " comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity thief my personal identification and ss # has been used without my consent acquiring to apply for banks, unemployment in different states, hard inquiries that are not from my consent, Ive have tried reaching out to the companys directly no help, I have called the credit report agencies no help, i also contacted the federal trade commission to report identity Theif I was given a ftc report and the credit reporting still wont fix my credit XXXX XXXX and Trans Union reports are Completely wrong
Product: Debt collection

I signed a lease for one year the lease was paid in full. The roommate decided to stay and go month to month. The agency never took my name off they just let the person go month to month with out removing my name.
Product: Credit reporting or other personal consumer reports

Transunion is currently reporting an account that doesnt belong to me, its not mine. i have sent documents, and for some reason they continue to validate the debt as mine. 

XXXX XXXX XXXX XXXX XXXX account has been deleted by XXXX and XXXX however for some reason transunion is still reporting please remove account from profile
Product: Credit reporting, credit repair services, or other personal consumer reports

Experience is not withholding to the law. According to the FCRA, In thirty ( 30 ) days the credit bureaus have to reply to my disputes letters, which they did not ... So furthermore legally these unverified and unauthorized items must be removed!!!!
Product: Mortgage

I received a letter in XXXX explaining my escrow was going to be short and my monthly payment would be increasing as a result. Then I received a letter saying I was going to have force placed insurance purchased on my behalf because of insufficient coverage. I have been trying to figure out what is going on with so so many phone calls to my mortgage company. Almost every call gets me a different explanation with little to no help to actually resolve the situation. I have been told I was being charged for a force placed flood insurance policy, that I have two different homeowners insurance policies being billed by the same company, that I do not have sufficient coverage, and that the master insurance policy for my hoa can not be applied to my account because of the property type being labeled as a single family home when it is actually a townhouse. I have spent hours and hours on hold, explaining the situation, re explaining the situation, and asking for support to have this addressed so my mortgage payment could be accurate. 

To. No. Avail. I am exhausted. I am angry. My time is being wasted. I am not being respected. 

Everyone on the customer service line politely tells me that after any changes are made I will be reimbursed for overpayment. At this point, I have not been able to correct the first error in the escrow account ( two different policies with the same insurance company being factored into escrow, when only one policy actually exists ) which has already increased my mortgage by almost $ XXXX/month as of XX/XX/2023. Now they are additionally threatening to increase my mortgage even more due to force placed insurance that I do not need. I have little confidence in their ability to accurately address these issues due to my experience thus far.
Product: Credit card

I have been charged for a " Payment Safeguard '' fee since XXXX of 2013 and I do not recall ever authorizing this benefit by Citi Card or requesting this.
Product: Prepaid card

I have a rushcard and I 've been locked out if my funds for over 2 weeks now.I 've missed a car payment, and i have XXXX kids all under XXXX yrs old and a XXXX wife.I 've been told they would call me the one time i actually got through to them that was well over a week ago.i know stuff happens sometimes but this should have been resolved a long time ago.i just want my money that i worked hard for.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act the list of accounts I have attached in may letters have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information other than adverse items and criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) 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
Product: Credit reporting or other personal consumer reports

I got a notification that a hard inquiry was made on my XXXX credit report on XX/XX/XXXX XXXX.I called them and reported that it wasn't me. It was with Barclays Bank. I had all my credit accounts frozen and have called both Barclays Bank and XXXX several times and its still there. Now XXXX says after 3 months of calls back and forth that I have to report to you and make a written request to have it taken off.
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 : Account XXXX XXXXXXXX : XXXX, XXXX XXXX : XXXX, XXXXXXXX XXXX : XXXX, XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX, XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : Multiple Account numbers XXXX XXXX, XXXX, 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. Solution Please delete these accounts in which my consumer rights has been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Product: Debt collection

XX/XX/XXXX 30 day notice XXXX XXXX XXXX XXXX. XX/XX/XXXX spoke to XXXX XXXX XXXX from XXXX XXXX sheriff department where he told me no writ of positions or eviction given to him on my behalf. XX/XX/XXXX storage unit rental agreement n deposit for new house dated XXXX with all due respect please see attached sec8 voucher policy if I owed any or that money they ( XXXX  ) would of reported to my sec 8 voucher but they never did this is all conspiracy by XXXX XXXX XXXX XXXX and XXXX attorneys XXXX siblings due to retaliation in attempt to destroy and sabotage my credit XXXX XXXX  attorneys set me up idue to complain filed on the XXXX  that fell in my favored back in XXXX this is retaliation. They placed eviction stickers on my appt 5 months after I moved in attempt to humiliate me. Not to mention the harassment and calls all day by creditor. I have att I did not pull up call log but can if needed. Thank you!
Product: Payday loan, title loan, or personal loan

My wife and I have had a vehicle loan with Commerce Bank since 2017. For the past two-and-a-half years, since we moved addresses, we have not received any monthly statement. We continue to pay our loan through their online portal. But their online portal does not have any way to access any sort of statement, it just takes money. As a result, we can't be sure exactly when our payments are due, what the exact amount due each month is, or how much is left on our loan. We are essentially guessing on due dates and amounts based off the few statements we received at the beginning of the loan. We have called Commerce Bank roughly 8 times trying to get them to send us a statement. Each time we give them updated address information and each time they still have our old address. They continue to fail to send us any statement. 
I am concerned this will eventually affect our credit. I am more concerned that Commerce Bank is doing something shady or illegal regarding our loan because, at this point, we have no way to tell what is happening with our loan and our payments.
Product: Credit card or prepaid card

A new account was opened on XX/XX/2023 under my info, this is fraud as I didn't apply for this account. 

Account name CCB/XXXX  Date open XX/XX/2023 Credit {$400.00} I immediately looked up this account by name and it turn out to be XXXX. I reached out to them XX/XX/2023 @ XXXX on phone number XXXX. A XXXX XXXX  answered me. During this call she stated that this account was fraud. I don't feel conferrable with this call as she didn't afford a solution to this problem. 

I have since put a freeze on all Three Bureau Credit Report and file a report as such.
Product: Debt collection

XXXX XXXX XXXXXXXXimproper use of my rights. In accordance with the fair credit report act XXXX  acct for XXXX XXXX has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1666B! A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. I never gave any permission to any collection or charge.
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking, under the Debt Bondage Repair Act. I am writing to request The following accounts reported with XXXX, Equifax and experience be blocked from reporting. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX