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

Car loan company is Global Lending Services Located in Georgia. 
My Credit score is hurting me tremendously. 
I can not apply nor get any Credit because of the latenes.. This car was {$21000.00} and I have paid for almost 3 years $ XXXX $ XXXX monthly. I can not refinance my interest rate. 
I had contracted XXXX XXXX in XX/XX/XXXX. I was expecting a payment from my Government contract and it never came on time. I call the company asking if I can change my payment date from the XXXX to the XXXX, and I was told I can not change the payment date until I make a new payment. Meanwhile, I was once told I could request to change my payment date if I needed to, but it was never clearly stated by GLS that I must make a payment first. 
Also in XX/XX/XXXX I wanted to make a {$600.00} payment by credit card. No credit card payments is accepted. I asked to place the payment on the back end and I was told the company will place the payment on the back. I was told that I would have XXXX, XXXX and XXXX extension. It never worked out because of communication with all the Agents calling. We were not sharing the same information I was given. I was promised that the extension can not be emailed. I was told by Agent both of us has to be on the phone at XXXX to fill out the paperwork. 
I encounter hardship with XXXX XXXX. Because I was XXXX twice. In XXXX I got a gentleman who emailed the Extension letter to me, after making a payment. I filled the paperwork out and I email the information back to the Gentleman. For some reason at home we have horrible internet problems and the signed Extension letter never reached the office. Extension was for XX/XX/XXXX and XX/XX/XXXX When I resent the letter it had Expired. 
I was not ok with all the wrong information I received from GLS regarding with Extension reports as late. It is not worth asking for help because my Credit got beaten down.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting act XXXX accounts below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2022 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern, Intent to file lawsuit, HIPAA Privacy Violation I, XXXX XXXX, never gave EQUIFAX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 

Validation Letter sent to : XXXX XXXX, XXXX XXXX, XXXX & XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of ARIZONA medical privacy rules XXXX 

XXXX XXXX -- XXXX XXXX, XXXX XXXX XXXX -- XXXX XXXX XXXX, & EQUIFAX Did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. 


As a consumer, I am demanding a deletion of the following accounts as you do not have my consent to furnish anything on my consumer report pursuant to 15 USC 1681b, The following 8 transactions are also against my individual right to privacy : 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 Sincerely, XXXX XXXX
Product: Debt collection

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX XXXX ; Account Number : XXXX Bal : {$15000.00} XXXX XXXX ; Account Number : XXXX Bal : {$990.00} XXXX XXXX XXXX ; Account Number : XXXX Bal : {$650.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Product: Mortgage

XXXX THEY KEEPING ME IN DEDT CAN SOMEBODY CALL ME AT XXXX I want to keep my home
Product: Credit card or prepaid card

On XX/XX/21 a fraudulent charge of {$190.00} was made on XXXX using my Chase Freedom credit card, I contacted Chase the same day the charge was made and was assured the charge would be removed. The {$190.00} was removed the same day and I was issued a new credit card with a new number ; however, this same charge from XXXX appeared on my statement almost 3 months later on XX/XX/21 and I was not notified by Chase of this recharge nor did they agree to remove the charge based on my statements. 

Further attempts to contact Chase to resolve this charge have been time-consuming and frustrating, they do not seem interested in removing the charge and the agents that handled my calls seemed more interested in getting me off the line as quick as possible. The case is clear : the charge was NOT made by me, the charge had already been removed and the old card had already been closed, there is absolutely NO reason why someone should expect a 3-month old FRAUDULENT charge from a credit card they already closed. I want this charge removed as soon as possible and Chase needs to take better care of its customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX  Account # XXXX -XXXX  Account # XXXX -XXXX XXXX  Account # XXXX, has violated my rights. 
15 U.S.C. 1681 section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

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

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Account XXXX XXXXXXXX, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc. ) due to inadequate Customer service and unfair practices. Which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp failed to prevent and 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 was unfair and deceptive, as they did 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 card or prepaid card

I have been trying to have a kind of Loss Mitigation alternative for my Discover Credit Card since hurricane Maria, back in 2017. They have no alternatives available at all! They just deferred some of my payments but charged me high interest fees. I continued my paynents with a lot of struggle. My minimum payment is almost a car payment. {$350.00} and I stopped using the card for years.
Product: Credit reporting or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, LA XXXX XXXX  XXXX XXXX Owed : {$0.00} XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX Balance Owed : {$1800.00} XXXX XXXXXXXX Balance : {$34000.00} XXXX XXXX Balance Owed : {$970.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

XX/XX/2020 My current loan process at Quicken Loan has been stalled for so long and been frustrated with the company process and lack of transparency to consumer. I started the application to refinance an investment property in inland XXXX county with QuickenLoan around XX/XX/2020. Unbeknownst to me that the process has been abnormal and so long that no one at the Quicken Loan can me a straight answer why it takes so long to resolve. I have been in constant contact with Quicken Loan representative, specialist, and to date, it has not been successful. Lesson learned for me and other consumer out there that though the on line refinance process seems attractive but lack of dedicated representative is trouble. On top, all the helps and contacts have been more social the contact has been made but no real business decision to close the loan with individual like me. 

So, if you are in hurry to refinance with on line company, just be ready for surprise and delays Feel free to contact me for further XXXX XXXX
Product: Credit card

I noticed 2 charges on my Apple Card for XXXX  and immediately called customer service to make them aware that I did not make these charges and wanted to dispute them. A dispute was opened, I was told to reset my Apple ID and password which I did, and the charges temporarily removed from my card. after 2 months the charges were reapplied and I called back to inquire why there were additional charges. I was advised to dispute again, so I did. Once again, the charges reappeared after 2 months. I called again, and asked why these charges keep coming back and was told I needed to reset my Apple ID and password again. This same scenerio has happened numerous times so I finally paid off the card and closed it as this was extremely frustrating. Again, 2 months later I receive a bill showing I owe for the original 2 charges that I did not make and that have been disputed numerous times already. Again, I was told I can dispute the charges and I will need to reset my Apple ID and password. I refused to continue to reset my password again and asked to speak with someone in the dispute department who can shed some light on why these fraudulent charges continue to return every 2 months. I was told there is no such department and no one to speak with the disputes are all automated and for some reason the system must not like the information supplied with the dispute filing. I then asked to be supplied with the response from the merchant as a result of my dispute and was told the merchant did not respond or supply the validity of the original charges. No one can explain why the automated dispute system ( if that's even true ) continues to take these charges away and then put them back every 60 day even though I have paid out my account, closed my account, changed my Apple ID and password numerous times. I have been dealing with this and trying to get it resolved with customer service for over 1 year now with zero success.
Product: Student loan

I was a student at XXXX XXXX XXXX XXXX, from XX/XX/XXXX-XX/XX/XXXX for their XXXX XXXX XXXX. 
I was force into taking out loans that I could not afford and I was promised high paying XXXX XXXX position once I graduate. Which did not happen at all. Once I was done with the program. I begin to struggle to pay back the loans due to working XXXX  and making {$9.00} per hour.
Product: Debt collection

Direct energy has placed a charge off on my consumer report. Years ago I disputed this item, they couldnt prove the validity of the debt it was then deleted from all three bureaus. Now another collection agency placed this account on my credit, I did not receive any information prior to this erroneous information being placed on my consumer report. I have never had an account with direct energy, I have asked in the past for them to send written proof and Im making a formal complaint against : Transworld Systems, XXXX, XXXX XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

The unverified accounts listed below continue to appear on my credit report despite several written requests, which constitutes a violation of federal law. In my previous letter to the XXXX credit bureaus, I did not receive a response. Section 611 ( a ) ( 1 ) require these accounts to be validated. Should you fail to authenticate these accounts, I will have no choice but to pursue legal action. I urge you to comply with the law so that this matter can be resolved promptly. 
XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX  XXXX {$6200.00} XXXX XXXX Balance : {$2500.00} XXXX  XXXX Balance : {$3100.00}
Product: Credit reporting

this account was previously removed and deleted from my trans-union credit report, only to be re-added recently, this is a violation of FTC rules XXXX XXXX XXXX XXXX, OH XXXX Account Name XXXX Account Number XXXX Condition Derogatory Responsibility Individual Current Balance {$0.00} Original Balance {$800.00} Limit $ XXXX Monthly Payment {$0.00} Last Payment Status Unknown Term 0 months Loan Type Charge account Opened XXXX/XXXX/XXXX Reported XXXX/XXXX/XXXX Remarks Chapter XXXX bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, Iam a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of times I demand the accounts listed below be removed because. According to 15 USC 1681 ; I have the rights to privacy and I did not give Equifax written permission to furnish these accounts. 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 Be removed under this law
Product: Mortgage

I lived in my home for nearly ten years with never missing a single payment. My initial Mortgage was with XXXX. I did not escrow my taxes and I paid them directly. On the last day taxes were due I drove my family to our local courthouse and paid the entire tax amount in CASH as a lesson to my XXXX  kids that we never own our hours. Six weeks after I paid the 3 different tax authorities XXXX XXXX  paid the same 3 taxes. 

XXXX then put me in a Escrow account, - {$8000.00} for the taxes they paid and then an additional - {$100000.00} for the next years taxes. They attempted to auto withdraw XXXX from my bank as I was set up on autopayments. My bank reversed teh XXXX withdrawn as the funds were not available. 

XXXX said they would get the refund from the tax authorities and then back out my fees and added interest. 

I continued to make my normal Mortgage and interest payments and XXXX applied this to my neg escrow and not my loan. Incurred late fees every month and did not pay down the principle due to XXXX not applying the payment to my loan. 

I was assured all along once the tax issue was fixed they would back out all of the fees, extra interest and get me out of the escrow account. 

While this was happening my loan was transferred to Seterus and I started the process all over again. Once again they assured me that once the issue was resolved all of the fees and extra interest would be backed out of my loan. 

I sent them all of my documentation of my payment and the payment from XXXX to the same 3 tax authorities. 

They claimed they were researching my issue but they raised my monthly mortgage payment from {$1500.00} to {$2500.00} per month. When I got behind they threatened me with foreclosure and being evicted from my house of 12 years. They forced me to refinance my mortgage, they doubled my loan term to 40 years, raised my interest rate and I had an extra $ XXXX of principle added to my mortgage. They said I had NO choice and once the tax situation was corrected they would convert back. 

Then my loan once again changed hands to Mr.Cooper. 

I have over 80 hours on the phone with Mr.Cooper, they are telling me the same story as the previous two companies. Every 2 hour phone call ends with, " We will research the issue and get back My loan is backed my XXXX XXXX and I called them today as well. 

Right now my complaint is with Mr.Cooper and their one year of not once researching my issue or returning my calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX  or XXXX  } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character
Product: Checking or savings account

I want to process claim and be reimbursed for charges
Product: Vehicle loan or lease

On XX/XX/2020 I have received my account paid in full letter from capital one auto. Recently I wanted to purchased something and I was denied because on all 3 credit report it shows that I still have a loan. Although I informed the manager at the company that the account was closed. I was told that because it is still on my report I got denied.
Product: Checking or savings account

am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions. 
I want the CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please remove the late remarks immediately. 

XXXX XXXXXXXX Date Opened : XX/XX/2018 XXXX XXXX : {$7700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer XXXX XXXX, have reached out to Transunion on multiple occasions detailing fraudulent information on my account in relation to identity theft. They have stated that they are not governed by the FDCPA and when I brought up FCRA they also denied that they would remove anything relating to identity theft from my report. This is after I have submitted 4 FTC reports, called and detailed to them on several occasions that these items were fraudulent, the last date being XX/XX/XXXX, as well as XX/XX/XXXX. I have let them know that the following accounts & inquiries were related to Identity theft XXXX XXXX XXXX/DEPT OF ED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Experian received communication via notarized signed affidavit to NOT add any Fraud or OFAC alerts to my Experian report without my consent. Experian willfully and negligently added a Fraud Alert anyways on XX/XX/2017. Here is the XXXX tracking of the certified letter sent to them that CFPB can google, XXXX. I have attached the affidavit sent to Experian as a record to the CFPB. It does n't have my notary information listed for my privacy protection.