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

Immediate Deletion of Unauthorized Accounts and Inquiries Pursuant to FCRA Section 604 To Whom It May Concern, I am demanding the immediate deletion of the following accounts from my credit file, as they were obtained and/or reported without permissible purpose under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681b ] : 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  Section 604 of the FCRA explicitly prohibits a consumer reporting agency from furnishing a consumer report unless specific, legally permissible purposes are met. These accounts do not have my authorization, nor do they meet any of the statutory conditions outlined in Section 604 ( a ). 
I have not been provided with : Any certification or evidence of permissible purpose. 
Prior notification of these inquiries or accounts. 
Documentation verifying their validity. 
This is a formal demand for : 1.Immediate Deletion : Remove the above-listed accounts and any associated inquiries from my credit report immediately, as they were not authorized or established in compliance with the FCRA. 
2.Written Confirmation : Provide written confirmation of the deletions within the time frame mandated by the FCRA. 
Please be advised that I have filed complaints with both the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. These agencies have been informed of the unauthorized access and reporting of these accounts on my credit file. 

If these unauthorized accounts are not promptly removed, I will pursue further actions to enforce my rights under the FCRA, which may include legal proceedings. 

Thank you for your prompt attention to this matter. I expect a resolution within the timeframe specified under the FCRA.
Product: Credit card or prepaid card

I received the Citicards secured Visa card in XX/XX/2018, several years before I was blessed to have a healthy baby girl. Later when I experienced the birth of my daughter and while going to school for a better career to support my family, I became disorganized with respect to making timely payments with Citicards. I fully recognize my responsibility with respect to payable accounts and have worked diligently to rehabilitate my relationship with Citicards since that time. I have only one late payment dating back to XX/XX/2018 that I am asking to be removed from my credit reports because of situations announced above.
Product: Credit card or prepaid card

I purchased something from XXXX. I sent a payment in XXXX of XXXX for {$100.00}. Then a payment of {$50.00} in XXXX of XXXX. The first payment was not counted. I contacted the credit card company and got the verification from the bank and sent it in. The money was still not credited. Sent a payment in XXXX of XXXX for another {$50.00}. The account still was not rectified. Finally ended up paying what I thought was the full bill with all the extra charges they applied of {$380.00} and change. Apparently by the time it got to them they left a balance of {$9.00} and change. Now they say it was not paid off in full. I paid what the balance was when I received the notice. Now they say I owe a balance of {$260.00} something. I once again asked about the {$100.00} they never credited me for. They insist it would still leave a balance of {$160.00} something. I am not giving them any more money. Now what can I do. I have the proof from the bank they were paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

ONCE AGAIN I HAVE ASK EXPERIAN TO HAVE THESE COMPANYS TO REMOVE THESE ACCOUNTS FROM MY CREDIT FILE I HAVE FILED A POLICE REPORT AN FTC REPORT AND THESE COMPANYS HAVE STILL YET TO PROOF THAT I AM THE PERSON THAT APPLIED FOR THESE ACCOUNTS THEY NEED TO BE REMOVE ASAP.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ), " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' Equifax 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 15 USC 6801 backs that, and it 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. '' XXXXXXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681, Section 604a, 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. '' XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, the financial institutions, and consumer reporting agencies Equifax and XXXX do not have my written consent. Any and all consents to XXXX, Equifax, XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX, whether verbal, non-verbal, written, implied, or otherwise, are revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non-public personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that XXXX5 USC 1681 C ( 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 adverse items of information, other than records of convictions of crimes that antedate 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 1681s-2 ( 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. '' Equifax and XXXX are not maintaining responsible procedures. Also 12 CFR 1016.7 states that " a consumer may exercise the right to opt out anytime. '' I am opting out of your reporting services. '' i
Product: Checking or savings account

Navy Federal continuously allowed transactions to post in which did not align with the funds available in my account. At times holding funds allowing transactions although that funds were not available yet causing several over draft fees to company profit.
Product: Vehicle loan or lease

Bought my new Kia in XX/XX/XXXX, started first regular payment XX/XX/XXXX. I have been making double payments to Kia Finance every month up until XXXX. Every month I called and asked the overage to be applied directly to the principal because I was told I HAD to call or they would not do that. Turns out they were not doing that anyway. I have a log of all my calls and who I talked to and I even told one of them in XX/XX/XXXX that I did not believe my payments were being applied correctly and she rudely told me I just did not understand and was wrong. I kept making my payments though. Fast forward to XXXX and I am looking to get rid of the car because of some issues, the dealer tells me my next payment on my car is not due until XX/XX/XXXX. THIS MEANS MY PAYMENTS WERE NOT GOING TO THE PRINCIPAL! They were just advancing my payment and applying it to the total loan even though that is NOT what I asked them to do. I have a log of everyone I spoke to and what day. I KNOW what was said. I then spoke with a supervisor on XX/XX/XXXX who assured me they would pass this issue on to the payment department, ( who by the way they will not let customers speak with ) and that I would have it fixed in a week. It has now been two weeks. I called again on XX/XX/XXXX and was told my concern would be escalated and I would be sent an email when they fix and adjust my payments. STILL zero communication from anyone and the issue is not fixed. Not to mention when I add my payments up, money is missing and every time I asked about that, they changed the subject and would not answer. THIS COMPANY IS HURTING CONSUMERS. They are blatantly trying to make us feel XXXX and confused so that they can apply our payments wrong and take more of our hard earned money. Kia Finance should not be allowed to continue in this way and I want someone to ACTUALLY help me and not just say they sent a request over. Even the dealership said they were applying my payments wrong, but every time I called they assured me they were. I literally have no ability to even help myself as this company continues to XXXX me over. There is no transparency and no way to see where my missing money went. I am at my wits end. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, XXXX XXXX stopped reporting my decreased loan balance to the credit bureaus, so I called them and requested that my new monthly balance be updated. I called them every month from XX/XX/XXXX until XXXX of XXXX. Even when I had paid off my loan on XX/XX/XXXX, XXXX XXXX refused to update my information and report my account as being paid in full. They promised me they would make the necessary corrections but never did. It wasnt until XX/XX/XXXX, that I was alerted that XXXX XXXX closed my loan account and reported me as being over 60 days delinquent on payments. I checked my credit reports to find that XXXX XXXX had reported the months of XXXX, XXXX, and XXXX as paid. However, XXXX through XXXX were reported as no data. Meanwhile, XXXX and XXXX had been marked as delinquent. I immediately called XXXX XXXX frustrated because they promised that they would update my information but never did. XXXX XXXX was being deceitful, so I filed two disputes with three major credit bureaus ( i.e. Experian, XXXX, and XXXX  ). The first dispute that I filed was practically ignored because XXXX XXXX reported to the credit bureaus that nothing was wrong with my account ; so, everything stayed the same. Thats when I requested XXXX XXXX to send me the necessary documents that I needed to prove that I was correct and show that XXXX XXXX  was falsifying my information. I included my documents as proof when I filed my second dispute. However, all three credit bureaus are still reporting various false information. The date that my loan was paid off is wrong, the months that my loan was being paid are incorrect, my account is still dated as being delinquent, the date of my first delinquency is reported as of XX/XX/XXXX, and my account status is still reported as not more than three payments past due. I was never late on a single payment. Ive requested for XXXX XXXX to correct everything and they havent. How can XXXX still report that I made payments in XXXX and XXXX when my loan had already been paid off since XXXX? That has to be illegal. I believe they reported it like that on purpose, to make it seem like I was behind on payments for two months, and finally paid off the delinquent payments. We are now in XXXX, after eight long months of back and forth phone calls with XXXX XXXX, and three grueling months of filing credit disputes, I refuse to file a third dispute. The credit bureaus continue to report what XXXX XXXX says and refuse to make the corrections that I have sent proof of. XXXX XXXX has affected, and is still affecting, my credit score with their fraudulent activities. My credit score fell about 200 points! Im trying my best to get back to the initial score I had before the derogatory trades were reported in XXXX. However, its difficult to do so when negative information wont be removed from my file. I have done my part, without help from XXXX XXXX, and I am now at my wits ' end. Im hoping you can correct this for me and hold XXXX XXXX accountable.
Product: Checking or savings account

My account was used to fraudulently purchase ~ {$2500.00} of goods at two XXXX, two XXXX XXXX, and a XXXX XXXX in XXXX, Florida on XX/XX/XXXX. Not only have never been to XXXX, Florida, I have provided proof that I had made a purchase and was working in a city XXXX miles away during those days making it physically impossible for me to be in XXXX, Florida at the same time. Discover denied the dispute and accused me of lying, stating that I used my Discover debit card and pin at those in 5 stores in XXXX, Florida. After submitting proof that I was in another city XXXX miles away at the time the purchases were made, Discover begrudgingly re-opened the dispute, however it has been over a month and Discover has made no attempt to either verify the documentation I have submitted nor reimburse funds that were stolen. I have called multiple times and at least once a week since the incident only to be told that the " investigation '' will take up to 90 days and in the order it was received. The initial " investigation '' took 3 days for them to conclude that I was lying and had purchased every last item in 4 XXXX XXXX and a XXXX. Discover has refused to provide provisional credits -- something any respectable financial company does when failing to ensure the security of customers ' accounts -- and has caused me to be late on my mortgage and other financial obligations.
Product: Credit reporting or other personal consumer reports

I called each department and asked for the information that i see on my credit and couldnt get any information. I also have a few errors and misspelled to my name on my report and an address i dont recognize.On my report I see an address from XXXX XXXX XXXX and my name is XXXX I see a misspelled XXXX thats not mines.
Product: Debt collection

I was illegally garnished by Gordon, Alyworth & Tami, P.C on behalf of XXXX XXXX XXXX. I live in XXXX and they do not have jurisdiction to collect from Oregon. I was not properly served or notified about impending summons or garnishment. They admitted to have my email, my phone number, employer, my address is correct with the state of XXXX and yet they stated they attempted to serve summons at old addresses. Those addresses have forwarding in place in my current home address in XXXX. After I was told on a recorded line they knew they couldn't collect due to my state of residence they didn't offer to stop garnishment until I stated I spoke with an attorney. They told me I could make an offer to settle, I said no. I have asked for a verification of debt. They then said they would send back all the funds and return the account to Midland.I have received the payments.
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 undeXXXX 15 U.S.C. 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 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 consumer report containing any of the following items of information any other adverse item of information other then 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Mortgage

EMC MORTGAGE LLC was assigned this Mortgage XX/XX/XXXX. EMC MORTGAGE XXXX, Charter was forfeited on XX/XX/XXXX was reinstated on XX/XX/XXXX EMC MORTGAGE LLC was not AUTHORIZED to conduct business in the State of XXXX. EMC MORTGAGE LLC, Charter was forfeited for XXXX tax code violations. EMC MORTGAGE LLC, fraudulently conducted an illegal assignment of Mortgage on XX/XX/XXXX. Take further notice EMC MORTGAGE LLC is not Registered in XXXX or IN XXXX to conduct business.
Product: Student loan

I submitted a complaint on XXXX about late payments showing on my credit report despite the loan being consolidated. The complaint was closed and they said the loans were now serviced my XXXX. I never received knowledge of this mail or email. I consolidated my student loans through XXXX and never received any correspondence or heard of XXXX.
Product: Credit card or prepaid card

I received a call from Navy Federal Credit Union in regards to making a payment on my account. The reason I was unable to make the payment was because Navy Federal Credit Union restricted my account and I'm unable to make payments which is unfair to I, the consumer. They accused me of fraud when all I did is help my family members and friends apply for their credit products. The reason why federal credit unions were put in place under the Federal Credit Union Act were to help people who are unable to receive credit from banks. There is a large amount of the minority population that do not understand this. As an informed consumer, I know my rights and did nothing but help my people who were in need. Your money is from the federal reserve and is reserved for me. They also restricted my credit cards so they have the accounts open and I can't even use them. They are charging me interest on cards that I can't use. They also held my money and gave me no way to access the funds as all of my cards are restricted. So in order to make the payment, I would have to call them every time to do so. Under truth and lending, 15usc1666b ( a ) " a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the due date. '' I have never received no documentation from navy federal and if they claimed to have delivered it online, I had no access to this document, therefore it wasn't delivered to me. The late payment is on the date of XX/XX/2022. I spoke to a manager from XXXX XXXX named XXXX and she claimed to say they had a confusion of my address on file. I have proof that they do have my address on file, because the recently sent a bank statement to me with the money that they've been holding. She also didn't give me information that I could dispute the late payment with the creditor directly which is a violation of the Fair Credit Reporting Act. My account was restricted, my credit cards remained opened and unable to be utilized. There are more violations that were violated but I don't need to list all of them. I will attach proof that they do have my address on file and did not deliver the documents necessary to put a late payment on my report and well as proof of the account being restricted so I'm unable to access any digital documents delivered as well.
Product: Checking or savings account

XX/XX/2021 My debit card was used to make a payment on an unknown Klarna account XXXX for {$74.00}
Product: Mortgage

Our house of 15 years was sold from under us! Our second mortgage, Statebridge, said that they'd work with us to prevent foreclosure ; jjust needed to submit their Loss Mitigation. Which we did! Regardless of their additional requests for documents, we did it! We have XXXX kids on XXXX different schools, and while their father, my husband, was recovering from a XXXX, and my eyes were worsening to XXXX   XXXX  ( XXXX XXXX ), we did it!! And I s/b finally receiving XXXX ( I have a phone hearing with XXXX XXXX next month on XX/XX/20 ). It is my understanding that Statebridge bought the first mortgage from XXXX XXXX and maybe it's because they wanted to foreclose on us.
Product: Money transfer, virtual currency, or money service

I was advised by XXXX that Cashapp had a glitch where they were charging the customers twice for XXXX and XXXX transactions. I was advised to call Cashapp support. When trying to dispute through Cashapp 's XXXX the second transaction does not show. I have text notifications that show the second transaction being deducted. In XXXX, I received a message from cashapp support stating they are aware duplicate charges and that they were being handled, XXXX days later they send an email saying that the issue was resolved. Consumers would see a refund in XXXX hours. This never happened for me. 
The first duplicate transaction occurred on XX/XX/2023 for XXXX the original transaction was on XX/XX/2023. The XXXX, XXXX, and XXXX transactions happened on XX/XX/XXXX for the amounts of XXXX ( original transaction on XX/XX/2023 ), XXXX ( original transaction on XX/XX/2023 ), XXXX ( original transaction XX/XX/2023 ). The XXXX and XXXX duplicate transactions occurred on XX/XX/2023 for the amounts of XXXX ( original transaction XX/XX/2023 ) and XXXX ( original transaction XX/XX/2023 ). On XX/XX/XXXX and XX/XX/XXXX of 2023 I filed Disputes twice by phone support and in both XXXX CashApp replied with incorrect information. I called cashapp and everytime I spoke to someone I received a different story. I received several automatic replies that stated my transactions were pending and too old to dispute. I called and was told I had transaction pending for almost 3 months and it could not be disputed until cleared by XXXX. By the way, there is a dispute already open for the same transaction of XXXX that she said was still pending. Cashapp practices are very misleading and difficult to discourage consumers from complaining. I was not informed of their glitch until 60 days after it happened by Cashapp. Instead of fixing their mistakes automatically they are making the consumers call in and give them the run around about getting their money credited back. I have several cases open where they replied with different information than what was given. Please have them pull my recorded calls and compare them with the email replies they sent to me.
Product: Vehicle loan or lease

We leased a XXXX XXXXXX/XX/XXXX from XXXX XXXX XXXX in XXXX Nebraska, it was a 3 year lease. The vehicle was financed through GM Financial account number XXXX under XXXX XXXX. In XX/XX/XXXX we decided to purchase the vehicle and went through our bank, XXXX XXXX XXXX XXXX XXXX for the financing. This was completed on XX/XX/XXXX. Our GM Financial account shows it's paid in full however we have tried to get plates on the vehicle and the Nebraska DMV shows their is a lien on the account. We have contacted GM Financial several times and was told there was not a lien and they would send us a letter stating this. We received a letter ( attached ) but it only states AmeriCredit was acquired by General Motors Company. We need GM Financial to get this corrected so we are able to register this vehicle.
Product: Student loan

My student debt is under {$20000.00}, however Navient is claiming its over {$50000.00}.
Product: Mortgage

I was in forbearance with Select Portfolio Servicing. During my forbearance I was told that I had to pay {$390.00}. I would like to know where did they come up with {$390.00}? That is about the same I owe for taxes every month. I owe $ XXXX dollars or so in escrow fees. Why do I owe so much for my escrow when {$390.00} went to taxes. This is an offshoot of complaint # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the following accounts with balances when in fact they have no balance : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX