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

XXXX XXXX XXXX ( XXXX minutes ago ) to me 15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 


I demand a deletion of all my personal identifiable information from my consumer credit report to respect my privacy rights apart from : Full Legal ame : XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, Georgia XXXX Incorrect Personal Information - see below. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>4 15 U.S.C 1681 Section 602 A. States any consumer has 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 prior consumer 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


Please delete all other addresses as listed above, as I can not receive mail or any correspondence nor do I have access to any of these addresses, please delete these outdated addresses and update the address with the one above.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX I've been trying to transfer my credit history to my new SSN.

I've been building credit for the past years with an XXXX.

Since I've became a legal permant resident I tried to contact these credit bureaus to see how can I solve this. 
My SSN has no credit file ..different Financial institutions said that So since I can't contact these bureaus it's been a painful process calling over and over again to different numbers.
Product: Debt collection

Lockhart and Morris have been trying to collect a debt for CDL training that was never complete. I kicked out of the school. I never graduated from XXXX XXXX I graduated from XXXX XXXXXX/XX/XXXX school in Massachusetts. So I do not owe Lockhart and Morris nor XXXX XXXX. And I've been threatened with derogatory and marks all my credit report if I don't pay it's that that I don't owe to Lockhart and Morris.
Product: Money transfer, virtual currency, or money service

I was trying to purchase an exotic bird from a website. I made the purchase through XXXX and the business who was selling the bird. Didnt fulfill the purchase. I tried to reach out to Wells Fargo. Which is my bank. XXXX my transaction has the info of where the money went to and to whom it went to. I dont have that ability to see or dispute more than submitting a claim with my bank. They told me to wait 10 days. Which I did. And then when I called on the 11th day. They said the case was closed and they wouldnt give me the money back. If I didnt receive the good and Im claiming that the individual was committing fraud and grand theft. Then they should reach out to the receiving bank asking for my money. And they should take the money from this individual who had to have shownwd Identification to open up and account and negative balance his account. Or something needs to be done to fix the situation
Product: Debt collection

I have never received any notice until all of a sudden my credit monitoring company notified me of an account reported in collections. I filed a dispute with Transunion on XX/XX/XXXX and on XX/XX/XXXX Transunion notified me that the creditor had already replied that the debt was valid. It is not valid for several reasons, for one the debt is purportedly close to 10 years old ; secondly, I was a victim of identity theft with payday loans during the years XXXX, and thirdly, the original amount in dispute was {$300.00} and.now {$2300.00} is purportedly owed. XXXX XXXX XXXX is the new creditor trying to collect an old debt and is in violation of various Federal laws governing debt collection and debt collection practices.
Product: Credit card or prepaid card

I believe PayPal credit card is delaying the posting of credit card payment to add late fees to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

TOYOTA MOTOR CREDIT XX/XX/2020 {$1200.00} I sent so many letters to the creditor starting before they send the account to credit. requesting information that my Gap insurance was cancel before my car was stolen, the creditor never sent it. 
i also request the credit bureau to verify that the gap was canceled also because Toyota didn't want to pay it. at this point, I see my right was violated by the creditor and the credit bureau.
Product: Checking or savings account

My debit card was sucked in by an ATM while on visit in XXXX, I no longer had access to the card. It was used for unauthorized transactions on XX/XX/XXXX - XXXX of {$3000.00}. 

I followed the process for claims with Bank of America, and they rejected the claims and refused to pay
Product: Credit reporting, credit repair services, or other personal consumer reports

3 major credit bureau companies accumulate information on you without your consent : Experian, XXXX, XXXX ; which are used by banks, mortgage cos, car dealers, etc. : Just about everyone : They arbitrarily use some rating system along with keeping these statistics for an inordinate & obscene amount of time whether justifiable or not : This determines interest rates usually affecting the least of us in society that can afford these interests : EX : I had car repossessed by XXXX XXXX even though customer leasing for 10 yrs when I had XXXX XXXX & in hospital for 7 days : I called XXXX myself & told them I was behind a couple of months, but would pay XX/XX/XXXX of month. I even provided hospital phone number for verification : They chose to repossess my car from my driveway in a rainstorm : Irrelevant now, but cost me thousands to retrieve, etc. Now this is on my credit report for 7 yrs. etc. Otherwise my credit outstanding payment wise on all related finances. My point is this : How is it that consumers are subjected to the whims of these 3 major credit bureaus regardless of whether we have access to our scores accumulating all our private financial information which can affect us adversely for so many years as if we are convicted felons ; let alone what gives them the right to accumulate our private information? I committed no crime yet whenever anyone accesses my scores which are still relatively decent mid 700s on one, etc. considering the incident ; yet I am subjected to adverse interest rates because of the credit bureaus keeping questionable information for 7 yrs, etc. More importantly explain why these bureaus are able to control the financial circumstances of millions of Americans when there are so many other mitigating factors involved in the loaning of monies for mortgages, cars, loans, etc. including fact of building rapport & continuity of payments with banks, dealers, etc. than can determine their own judgement as to whether you are a viable risk> Absurd to have so many lives be charged excess interest fees & be subjected to the power of these bureaus who have accumulated your information without your consent : Class action lawsuit should be filed forcing them to stop these practices as well as legislation prohibiting these arbitrary year numbers of maintaining questionable information that are so incredibly time consuming to combat with them ; it would take you 7 years just to update your information accordingly : Do something : Congress should do something : Millions of people fall deeper in debt because of the uncontrollable usage of these 3 large firms that have tons of questionable information accumulated that is virtually impossible to combat in order to assist you when applying for credit, etc. Thank you for your time & effort : Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While doing a recent review of my credit report. Ive noticed that their are a few accounts that were disputed with your bureau ( Experian ) that I have also submitted with XXXX XXXX and XXXX. **** These accounts are listed with your bureau ( Experian ) as they were with the other two bureaus. Disputes were sent out to each bureau at the same time with the same verbiage. 

By law each bureau has to abide by the laws of the FCRA. 

XXXX XXXX and XXXX are reporting different from what you are reporting. Each account on your bureau report ( Experian ) has / had the same account number and identical information and at the end of your investigation your bureau ( Experian ) stated that they verified it with the furniture or guarantor. The other bureau has done the same and have received different results. 

If this is the same account thats being reported by the same creditor, how are these numbers and other verbiage different? How could the verification process be the same and receive different results? How could all three bureau follow the rules of the FCRA and get three different results from all three bureaus? XXXX is responding back that the information is true and correct and has updated or deleted the item. So has XXXX! So why does your bureau ( Experian ) find it probable cause to continue keep incorrect information and not delete or up date it if in your verbiage has been verified by the guarantor/creditor? 

( Is the bureau using a computer verifying system or is their a ****human ~~~~taking out the time to make sure that the information is correct? ) Because of this apparent neglect, and ensuring that everything on my account is accurate, consistent and up to date. Please delete these accounts immediately because of the negligence from the original creditor to the credit bureau and in inaccurate verification from your bureau ( Experian ). 

I have enclosed a screenshot and other information for your viewing pleasure. Please see all of the highlighted sections that I have outlined for you. 

Thank You XXXX XXXX
Product: Mortgage

On XX/XX/2020 I mailed check XXXX to Guaranteed Rate mortgage company for the amount of {$2100.00} which is the full amount. It was cashed before the amount was due on XX/XX/2020. The payment was due XX/XX/XXXX. 
Guaranteed Rate sold the loan to another company named XXXX XXXX. They wired the payment to XXXX XXXX. 
It has been 34 days and neither company knows where the payment is. I now have a derogatory mark on my credit. I signed up for auto pay and they would not take the XXXX payment out of my account. I had to call and give them my banking information and pay an extra {$20.00} to make the payment. 
I have had conference calls with both companies and their response is everything will be ok. I have spoken to my mortgage broker multiple times and asked him if I should make another payment as soon as I found out which was before it went on my credit as a late payment. 
I have went to full lengths to resolve this issue with no success. My credit is very important to me and this is unethical behavior. 
Attached is a copy of the cashed check.
Product: Credit card

XXXX and XXXX of this year ( 2023 ) {$410.00} for a total of {$820.00}. I have no memory of receiving a bill or email for this amount and I didnt authorize them to be paid by bill pay. The following months XXXX, XXXX, XXXX, my personal banker and branch XXXX was no help. It was like they was covering for the scammers. Most people I had contact with would say, you authorized it. I didnt authorize it. Why would authorize a scam. 
XXXX XXXX have XXXX  issues. I think the scammers are Well Fargo employees, it has to be a inside job to set up a XXXX  account, somehow authorize payments. 
My dispute # with Wells Fargo is XXXX. All they say is, you authorized the XXXX payments.Nothing about the XXXX  account, with a due date XXXX of the month. My account has always been XXXX of the month. So I have XXXX due dates, XXXX and XXXX. I ask them why, no answer. I have talked for hours on the phone, in the end of the day, they say you authorized them. Nothing about a scam, they covered for the scammers and helped them. 
I hope this makes sense, if not let me know.
Product: Debt collection

This company, Bridgrcrest calls multiple times a day harassing me constantly. They do not stop. They use the tactics to intimidate and scare people into agreeing to payment plans that are not attainable. They have also called my family, who are not on the loan stating that they need to speak with me about an important business matter. This goes on ALL DAY LONG. I am sick of them harassing and trying to intimidate me. This should not be allowed. I am asking the Consumer Financial Protection Bureau to step in and investigate this company and their collection tactics. Im not even a month behind and they call me, my mom, and my sister ALL DAY LONG. We block the number and they call from another toll free number. Ill be happy to show all of our phone logs to prove their illegal practices
Product: Consumer Loan

took a {$1500.00} loan from XXXX loan and after I continuously paid them they still say owed them almost {$1900.00} regardless of the fact that I paid them {$340.00} ( {$3400.00} total ) since XXXX 2015. This is beyond usury and I need my title back. I paid more then twice what I owed them.
Product: Debt collection

there sending me a bill for an account i never opened and the original creditor XXXX  knows this they removed the debt now they send me collections
Product: Mortgage

Shellpoint Mortgage Servicing sent letter dated XXXX/XXXX/15 advising that we have not provided all documentation for loss mitigation program. I have questions and I have called XXXX XXXX at Shellpoint every business day for six days. Her voice Mail says she will return the call within 24 hours. She has not returned my calls. Her message says press XXXX for further assistance when I press XXXX the message says No one is available to help you, call back. Shellpoint has given us a deadline to submit documents yet it has been six days of daily telephone calls and leaving messages with NO RETURN calls from XXXX XXXX or anyone else at Shellpoint Mortgage Servicing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions, XXXX XXXX XXXX, XXXX, PA XXXX Dear TransUnion Consumer Solutions , /dispute department My name is XXXXXXXX XXXX XXXXXXXX the last 2 years or longer i have disputed the bankruptcy and every time you say its verified well now i went to the courthouse and XXXX XXXX where you said it originated from which was XXXX XXXX XXXX XXXX Ohio XXXX the clerk of courts did a investigation and found no records on the bankruptcy account XXXX  # XXXX I also went to the XXXX XXXX they did an investigation and found bankruptcy account XXXX  # XXXX and found it to be an error as well and deleted it attached to this is letter is a letter from XXXX XXXX as well. Please look at that as well. I have never been affiliated with any bankruptcy in my life. Attached is a letter from the Clerk of courts it states this information that i just mentioned. I am asking you as by law to please remove this from my report due to it being a BIG error!! In my Transunion report the file number is XXXX please respond back to me with a letter that states it is removed and that you received this letter Thankyou. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

Please refer to complaint XXXX XXXX " closed ' and the feedback provided. 

This remains open to me. Neither the bank nor XXXX will provide me with any proof of having wind insurance at mortgage origination. 

Now Homepoint ( my first loan servicer ) is sending me harrassing letters, saying I have a current loan with them requiring wind insurance. I learned that Homepoint is owned by XXXX. And both think they are servicing my mortgage ( however XXXX is the servicer ). 

I do not understand how this complaint is closed and welcome a phone call to better explain this situation. email XXXX or cell XXXX
Product: Student loan

General Revenue is the company that bought my debt from Indiana XXXX University. I 've made several attempts to simply see my balance on paper or the internet and have called to find out where I can see this information. I spoke with XXXX XXXX when I called they 're company and he refused to help me locate the login section of their website and would not send me a letter. He sarcastically remarked that they 've sent me numerous letters then said he would transfer me, only to mute the phone and leave me with silence. I just want to see how much I owe and set up a reasonable payment plan but I can not get anyone there to help me.
Product: Bank account or service

I bank with State Farm Bank. Last night my debit card was declined for insufficient funds. I checked my balance using the most recent version of the State Farm Pocket Agent app for Android ( version 5.3.0 updated on XXXX XXXX, 2015 ) and it showed sufficient " available '' funds. It turns out that the dollar amount shown in the app is actually the " current balance '', but the description of the dollar amount the app gives is " available balance ''. ( I double-checked this against the website and the website showed the correct " current '' and " available '' balances ). This app has over one-million downloads.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy years ago and included a XXXX XXXX XXXX student loan that was discharged. I have spent too much time getting XXXX to finally remove it because it was in the BK and past the statute of limitations. Now there is a company reporting the loan to my credit called XXXX XXXX XXXX which doesn't have a working phone number to be able to contact them. I have tried to dispute it with Equifax and XXXX but they didn't properly investigate because if they had they would see that they cant get in touch with this company to properly verify it. Had they, they would find out this is a debt that was in a BK and past the 7 year SOL and cant be reported. Please help with this. I have attached my entire BK file and page 21 by itself so you can see the loan was in the BK.
Product: Credit reporting or other personal consumer reports

BLOCKFI INC, a financial institution and furnisher of information, along with XXXX, a consumer reporting agency, have willfully failed to comply with federal regulations by misusing my consumer report regarding account number : XXXX. 12 CFR 1016 ( Regulation P ) regulates and protects the privacy of consumer financial information. 12 CFR 1016.16 regulates and protects the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 12 CFR 1022 ( Regulation V ) Appendix M regulates and specifies obligations of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 

I, the consumer, have been adversely affected by BLOCKFI INC and XXXX being willfully noncompliant with the proceeding federal regulations. 

12 CFR 1016.16 regulates 15 U.S. Code 1681 section 602 which 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. '' My privacy is being violated by the misuse of my consumer report. 15 U.S. Code 1681b section 604 states In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. BLOCKFI INC and XXXX do not have my consent to furnish said information, and I have never given them written or verbal consent. Any implied consent is revoked. 

12 CFR 1022 Appendix M regulates 15 U.S. Code 1681a ( 2 ) ( A ) ( I ) which states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IRS Publication 4681, Chapter 1 regarding canceled debts states that a canceled debt is considered ordinary income, which is taxable. This charge off is taxable income and not to be included on a consumer report. 15 U.S. Code 1681s-2 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. BLOCKFI INC and XXXX are willfully misusing this information on my consumer report. 

12 CFR 1022 Appendix M regulates 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) which states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. BLOCKFI INC and XXXX have been willfully noncompliant by continually misusing my consumer report after I filed a complaint. 

12 CFR 1016.7 states, A consumer may exercise the right to opt out at any time. I am opting out of any and all of your reporting services.

My intent is to sue if said issues are not resolved.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX Re : Home Depot Credit Services/Citibank, N.A Home Depot Account number : XXXX & XXXX XX/XX/XXXX To Whom It May Concern : The reason I am filing this complaint with your agency is due to Home Depot/Citibank, N.A offering me a high APR interest rate of my Home Depot credit card account. On XX/XX/XXXX, when I applied for credit with Home Depot my credit scores were XXXX  XXXX & XXXX  XXXX, and I should have qualified for a lower APR interest rate. I also never miss any payments and my account never went into default and what is also upsetting that Home Depot also  refuses to apply any overpayments above the minimum to the promotional balance rather than all of it being applied to the revolving balance. I was never properly disclosed that I was told for that to happen I needed to contact the credit department to put in a request to have payments properly applied before promotion expire. According to the Home Depot agreement, Home Depot/Citibank, N.A on qualified account holders offered an APR interest rate between 17.99 % - 26.99 with credit approval. With my excellent credit score, I shouldve been offered a lower APR interest rate, instead of a 25.99 % APR interest rate. I believe Home Depot/Citi Bank shouldve offered me a lower APR interest rate instead of the regular interest rate of 25.99 % at the time when I have applied for the Home Depot account. I would greatly appreciate if you could please investigate this matter for due fairness. Thank you in advance for your prompt response regarding this critical issue. 

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

Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2020, via certified mail. Submitted information indicating the inaccuracies, however, the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 60 days.