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. '' XXXX and Experian are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by XXXX XXXX XXXX which states '' It is the policy of the XXXX 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. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. XXXX XXXX XXXX section XXXX a section XXXX states that " In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the XXXX XXXX and the XXXX reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) 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. Equifax and Experian 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: Vehicle loan or lease

On XX/XX/2019 my truck was totaled. The insurance company decided to total it out due to the air bag and the damages. A week later my insurance company paid the blue book value of the truck with the miles that was on it. I had to go back and forth with XXXX for 2 months so to get them to pay the remainder balance. Then once that was done. I get a bill from them stating I owed them {$1800.00} I called them trying to figure out how. It seems like since the pay out wasn't payed all at once they kept the number rolling. I made sure they got their money before i even go a car myself. Putting all my energy into making sure they got theirs first. I was hurt in the accident and still going threw pains and issues from the accident. I need you to look into my situation about this matter at hand. I can look for paper work to support my case at hand to prove all thee above stated is true. I really need you guys to make right by this situation.
Product: Debt collection

Frequent calls at my place of employment and told them to not call my job as I could lose my job. They will not give me any information on why they are calling.
Product: Debt collection

XX/XX/2022 @ approximately XXXX received a notification that my bank account was overdrawn and a hold was placed on my personal bank account in excess of {$3200.00}. Called bank to inquire and advised that I needed to speak to the banks legal team. Upon talking with the banks legal department they advised a judgment was placed against me and they have a court order to place a hold on my account. They provided me with a name and number for the attorney, along with a court case number. I was unable to reach anyone at the phone number provided and was never notified of the pending court case. XXXX XXXX XXXX XXXX represented Calvary in the amount of {$3200.00}. I am not sure of the accuracy of this information and haven't had an account with this merchant. This information was provided solely by my banking establishment and no contact was made with a live person at the attorney 's office upon calling at XXXX on XX/XX/2022.
Product: Credit card

Weeks ago was told I would need separate card for joint account. Card was sent and couldn't activate. Contacted was told problem with system, so use existing card. Tried existing card, was denied. Went to beranch XX/XX/19 and agent contacted Credit Card section and they said problem with exp. dates, only way to solve is overnight new card. Received new card and told can't activate due to problems with system and immigration issues. Been 5 days with no use of card, auto payments declined, several hours spent and told can't due anything until fimurther notice. Truist not resolving problem.
Product: Mortgage

Since XX/XX/2020 I been trying to negotiate a settlement or a repayment plan with Specialized Loan Servicing, I have been offered a trial payment plan split it in two interest rates and two monthly amounts that all together add to a monthly interest of 13.1 % and a monthly payment of 1,200 approximately, this offer is only accepted by the investor if I pay an upfront amount of {$52.00}, 000, this amount is not affordable and my family can not afford the interest rate and monthly amount, I fall behind on payments due to a diagnosis of XXXX, and now a new diagnosis of XXXX, I was not able to afford payments also due to a divorce and lost of employment due to the XXXX. Currently I'm at high risk for COViD-19 and I'm not able to work. My children are currently working and we are trying to save our only home from this unscrupulous investor ; but we have not been successful, the investor wants to sell our home no matter the circumstances, the investor is not considering the fact that I have my elderly widow parent with me and that I'm his only support and my children only home.
Product: Checking or savings account

I reported that I had an unauthorized transaction on my account for {$500.00} at an XXXX. I told them this information hoping to recieve a chargeback or refund I was told that regions does provide temporary credit but I never receive. They did not take investigation serious I do not live near an XXXX
Product: Credit reporting or other personal consumer reports

I sent the letter certified mail to Exeter financial corporation. The company responded instructing me not to send any more fraudulent documentation, as if they werent interested in resolving my complaint. Pursuant to the fair credit reporting back section 623 subsection ( 8 ) ( D ) The specific information is derogatory in nature. Exeter auto account XXXX. Exeter finance was required to notify me prior to or no later than 30 days after furnishing negative information to this consumer reporting agencies in writing that such furnishing of information was going to take place. This notification is required under the FCRA section 623 subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation they complied with this requirement. Therefore the continued reporting of negative information to the Credit agencies and connection with the above mentioned account may constitute furnishing a false information with malice, intent to injury me.
Product: Credit card or prepaid card

Problems with ASPIRE : ASPIRE owes a refund {$18.00} I never received it.

I have phoned ASPIRE many times to solve this issue. Each time I call, a phone rep tells the new date that I should receive the refund, and the letter of explanation.

Any issue of post office delivery was resolved months ago. There is no local issue.

This " lip service '' from ASPIRE has been going on since early this year. I also filed complaints with this consumer bureau back in May ... .still no results.

In addition, I would like to know why the company 's reps continue to promise the delivery of the refund, but never follow through. Why is there double speak?
Product: Credit card

I inquired in XXXX of 2023 about discharging my balance. I had another credit card with the same company that i intended to use for a trip. My inquiry must have incited a hatred and comtempt because I recieved a letter stating I was trying to do fraud and as a result they closed my accounts and reported to the credit monitors that they had made some agreement with me when in fact they refused to tell me that I had right to rescind, dispute, or discharge the debt and their particular methosd to do this. They shut off my application acces and they have sold the debt to a third party that I never gave permission to share my private personal information, and contact information to harrass and bother me. I have not recieved any tax information regarding them writing off the debt, and I am convinced this result in parking bad and erroneous information on my consumer for the sole purpose to make me look bad to other creditors. They are still sending me bills, despite selling the debt. Balance billing is illegal right?
Product: Checking or savings account

Havent had direct deposit for bout two three months ... During this period i got paid everyweek so id overdraft to build credit up and in doing that its very good. So i send money to the checking account not chime credit builder they take my money yes the balance was negative but i havent used the card but for what i tried doing recently.. they didn't one time touch anymoney that was available to send to credit builder from three months ago but just all of sudden today they just up and snatched my money that i sent to 1 out of 3 options checking and they send it from my checking to credit builder..
Product: Credit reporting, credit repair services, or other personal consumer reports

No specific representatives were contacted. Only through mail with Equifax. The notarized letter attached sent via certified mail is the fifth attempt to resolve inaccurate information concerning : Equifax Report # XXXX, dated XX/XX/XXXX ; report # XXXX dated XX/XX/XXXX ; report # XXXX dated XX/XX/XXXX ; report # XXXX dated XX/XX/XXXX ; report # XXXX XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

This is a copy of my BBB complaint which I filed on XX/XX/XXXX of this year : Over a week ago, I let this company know that my pay dates were changing. They asked me to send a copy of my last two paychecks which I did after I got paid for a week on the XX/XX/XXXX. I let the company know that I only was paid for a week on the XX/XX/XXXX and that my full two week paycheck would be on the XX/XX/XXXX. I received an automated response stating that someone would get back to me. I waited and then tried to get onto their website to double-check the date. I could n't get on on Sunday ( I do n't know what 's with their site, it only seems to work on certain computers but that is another issue ) and checked the site on my way to work the following Monday. It still had the old due date on the site. I sent a comment to the company stating my displeasure with the change. I have used this company for awhile now and have never had an issue with them until now. Later that day I received an e-mail that stated : " Thank you for choosing CashNetUSA, America 's trusted online lender. We have received your request. This email is to confirm that your pay frequency has been updated to biweekly, beginning XX/XX/XXXX. To adjust your due date, please respond to the following as soon as possible. '' I sent a response the same day then inquired about refinancing. I did not receive a response on that subject but when I went to the site to check my options, it allowed me to schedule a payment for XX/XX/XXXX. I did a refinance but the due date showed as the XX/XX/XXXX but I assumed this was an error due to the response I received on my e-mail. However, when I checked my bank account this morning, I show a withdrawal for {$270.00} which I do n't have and this is the sort of trouble I was trying to avoid by letting the company know in advance the change in my pay dates. Since then, I have had two e-mails from their collections department regarding my failure to pay on the due date ( XX/XX/XXXX ). The first one was this Monday and I explained that I had filed a complaint with the BBB regarding this incident and the second e-mail was today ( XX/XX/XXXX ) stating that my account was past due and I need to make a payment as soon as possible. Clearly they have ignored my complaint to the BBB just like they ignored my informing them of the change to my pay days and I am not happy.
Product: Debt collection

1. A copy of the original contract or original purchase agreement that created the alleged debt.

2. In addition, please send proof of chain of ownership of the alleged debt and include proof of assignment for each chain of ownership.

3. Also include a full accounting history from the original creditor including the date and amount of each payment and the Date of First Delinquency leading to the collection status 4. If any interest or fees have accrued or been added orgel the balance, please send proof that such fees are lawful agreed upon in the original purchase agreement.

5. Proof that you are legally allowed to collect on alleged debts in the state of SOUTH CAROLINA including your Third-Part Debt Collection Bond 6. Also send proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies, including copies of the original notice and any letter tracking your firm maintains.
Product: Debt collection

Collection was originally placed on XX/XX/XXXX for debt of {$4700.00} from XXXX XXXX to ATG credit. During this time, I received no notice of being sent to collection via mail or by telephone by XXXX or ATG. I did not notice this debt for XXXX years due to no change in credit score at this time and no notice from either company. 

Now, XXXX years later on XX/XX/XXXX, my credit score was updated and impacted. My first notice of debt came via a call and voicemail on XX/XX/XXXX. Since then I have tried to call and dispute the debt with both the original collector and the debt collection agency who will not let me do it as the debt is " too old '' per their words. 

I should not owe this money in the first place as this medical debt initially came from XXXX XXXX who never billed my insurance originally, and then billed them over 180 days after the procedure was completed and my insurance was past the statute of limitations. I have had my insurance company contact them multiple times to say they would have covered this had they been billed appropriately, but they continue to ignore this. I have sent both parties the explanation of benefits at that time, yet they continue to ignore that they failed to bill my insurance appropriately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt listed by XXXX XXXX XXXX is not mine.
Product: Debt collection

Federal Trade Commission Report Number : XXXX Its unclear when my identity was stolen due to me sleeping by my boyfriend at the time home. 

I discovered what happened when I pulled my credit report due to him often stealing others identity. At that time I was afraid of him and believed he will harm me if I indicated his name. So a report was never filled. 

New information? Yes, his name is XXXX XXXX. He has also stolen my money from me in the pass. 

I sent him XXXX XXXX XXXX to return an item and he informed me that the cashier returned my money back to my debt card. When my money didnt come back in my card I contacted the store. The store manager pulled the tape and stated the cashier he requested a cash refund due to it being a debt purchase and put the money in his left pocket. 

She even sent me the video through text. 

Capital One - credit card account number XXXX. I dont know anything else about this account besides what I see on my credit report. 

Ive been requesting that Capital One provide me with proof on this account however the account keeps getting transferred to different collection agencies. 

It was with XXXX XXXX XXXX to Capital One, and now its with XXXX XXXX. This is insane. 

Ive requested that they provided me with verifiable documentation that the Capitol One credit cardaccount number XXXX was reporting accurately, and that my federal rights have not been violated. 

Ive requested that they prove that the account was in fact due for payment on the following dates the entire years of XXXX, XXXX, XXXX, XXXX, and XXXX. 

Ive requested that they prove that the owner of the accounthad legal right to report these payments as late without a monthly payment amount. 

Ive requested that Capitol One have this accountremoved and stop and decease all negative reporting to XXXX, and all credit bureaus. 

Ive requested that they contact the national credit bureaus and have them delete this account from my credit report immediately. 

Im requesting that Capital One delete this account off my credit report if verifiable information couldnt be provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to inform the Consumer Financial Protection Bureau of the willful, reckless and negligent inaccurate reporting of the below information on my credit file by Experian. Experian refuses to provide me with any proof that I authorized the companies listed to receive my credit report. 

XXXX XXXX, this inquiry is showing that it was pulled once in XX/XX/XXXXXX/XX/XXXX, twice in XX/XX/XXXX and once in XX/XX/XXXX, XXXX XXXX  XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX,  XXXX  XXXX XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX, XXXX XXXX XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX. 

Therefore, the XXXX XXXX, ( four times ), XXXX   XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX XXXX inquiries need to be removed from my credit file from Experian. 

I would like to be provided proof ( via wet ink signature on the documents ) that I consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. I do not consent to XXXX for means of verification done by Experian. 

I do not recall authorizing the following inquiries and demand they be removed from my credit file from Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1 ) XXXX XXXX : Account # : XXXX 2 ) XXXX  XXXX XXXX : Account # : XXXX 3 XXXX XXXX XXXX XXXX : Account # : XXXX 4 ) XXXX XXXXXXXX : Account # : XXXX 5 ) XXXX XXXX  : Account # : XXXX 6 ) XXXX XXXX  : Account # : XXXX 7 ) XXXX XXXX  : Account # : XXXX XXXX ) XXXX : Account # : XXXX XXXX ) XXXX XXXX : Account # : XXXX 10 ) XXXX  : Account # : XXXX 11 ) US DEPT OF EDXXXX : Account XXXX : XXXX These above accounts have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has REASONABLE cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX - XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit 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 payment due date. 


XXXX XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Product: Student loan

I am mainly inquiring about the legal case that was going to provide some relief or help to former XXXX  customers like myself. I believe it was a class-action settlement? Can you steer me in the right direction about who to contact? 

I had XXXX XXXX formerly. My loan was sold to XXXX. XXXX  steered me into a situation where I have a higher interest than what my principal was. I tried to get them to just lower my monthly payment for years. I live in XXXX XXXX. I had a serious car/pedestrian accident and XXXX and I was working in a field for a while that didn't allow me to make a higher payment. 

Thanks. Any help is appreciated. 

Regards, XXXX XXXX XXXX XXXX ( XXXX ) XXXX