23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX XXXX XXXX, XXXX. 
XXXX XXXX. XXXX XXXX XXXX, FL XXXX Fax : ( XXXX ) XXXX XXXX : Acct # XXXX ( Vehicle Car Loan ) The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the XXXX credit agencies and remove all late reporting. As you know my account is paid in full. 
Recently, I have begun search for a more financially rewarding career in the Federal government and it has come to my attention that my late payment ( s ) with XXXX XXXX XXXX may negatively affect my chances of obtaining a career in the field I am pursing. As you may know, FICO scores are being used more and more in the selection of prospective job applicants and security clearances. 
In light of my renewed focus and demonstrated commitment to rebuilding my trust with your company, I am requesting that you give me a second chance at a positive credit rating by revising the late payment ( s ) as reported on my XXXX major credit bureau files ( Experian, XXXX, and XXXX ). I sincerely hope XXXX XXXX XXXX believes in their customers and I humbly request your consideration to allow me to pursue the career of my dreams. I appreciate your time and look forward to receiving a favorable decision from you department soon. Please provide your decision on the above-mentioned account in writing.
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. 
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, has violated my rights.

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

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

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

Repeated phone calls to my personal phone number. Additionally, XXXX XXXX defaulted my loan when I had made a payment on the account. When I had requested that my loan be serviced due to errors made on the account, I was not communicated with they defaulted my loan.
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 ( File No. 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.
Product: Credit card

Citi Card posted my account as past due 30 days for a {$40.00} payment which they simultaneously received a payment of {$400.00}. They sent me a letter stating if I had financial issues they can help before my account goes past due and reported to credit reporting agencies. However, while this was happening they had already reported me past due and cost me XXXX points of my XXXX fico score. This is unsound business practice and unsound treatment of customers. {$40.00}!!! Phenomenal large payment history. I just got an auto loan which may have been affected by Citi 's lack of common sense and customer care therefore costing me unknown financial hardship.
Product: Debt collection

The company is trying to collect on a medical bill that is from XX/XX/2012, I had insurance at the time, but the hospital did n't charge them, and are now trying to collect the money from me even though I was covered at the time. Also the date of billing is wrong as I did n't even live in the state during that time, it was an event that happened a few months before the stated date.
Product: Debt collection

On XX/XX/XXXX at XXXX XXXX  I spoke with a Customer service agent at ABBOTT , OSBORN , JACOBS PLC. To ask if they would stop garnishing my wages. That there company was in violation of the 15 U.S.C. 1692 FAIR DEBT COLLECTION PRACTICES ACT and 42 U.S.C sec 408 of the SOCIAL SECURITY ACT. I was asked over the phone to give my social security number and when I refused because I stated I wasn't comfortable I gave my name and I was forwarded to an agent The agent laughed on the phone and told me that I had made a similar threat a few months ago with suing there company. He explained to me that he was not going to stop garnishing my wages and that there company would continue to garnish my wages until there wasn't anything left or until the courts tell them otherwise. All of this was recorded and once I mentioned this to the agent and that he was violating my federal and unalienable constitutional rights he didn't want to speak with me and transferred me to someone else but my call was ended. XXXX XXXX XXXX AND XXXX XXXX  AND ABBOTT, OSBORN, JACOBS PLC are in numerous federal violations such as : FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT, EQUAL CREDIT OPPORTUNITY ACT. 18 U.S.C 894
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and I noticed that there are unauthorized fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. I have provided a copy of a FTC REPORT, California state drivers license, and a copy of social security card. Please use the laws and codes that all credit reporting agencies are bound to follow by law as listed and explained below. I dont take my rights being violated lightly but a serious matter. 

XXXX5 USC 1681 section 604 a 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Transunion ( 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. XXXX and XXXX 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. I thought i was sending the money to my landlord. And it in fact was not him.
Product: Mortgage

My mortgage is with CMG Financial and they are violating my HIPPA rights and the California Homeowner 's Bill of Rights by dual tracking. <P/>Due to a XXXX medical diagnosis in and treatment I had fallen behind in my payments. <P/>In XXXX of this year I submitted a loan modification. CMG had a sale date of XXXX XXXX. I was told my paperwork was complete and the sale date was postponed. <P/>I was later told I needed more documentation and that was sent. <P/>Again, told my file was complete. Again then asked for more documentation. <P/>All the while my primary contact at CMG was impossible to reach. When called I 'd always get her voicemail, left messages but never a return call. The exception being on a Saturday when she left a message. I called that day, again voicemail. Called again twice the following work week with no return call. <P/>The cycle of my file being complete followed by more requests continued. This past XXXX I again was told all documents were in but just today ( XXXX XXXX ) I was told I needed updated documents as they were expired with dates from XXXX. These documents were sent in XXXX ( I have a fax confirmation ) Additionally they asked for my medical documentation ( doctor bills, prescription invoices and the like ). I told them this violated HIPPA. They still insisted. <P/>They also continue to hold my current sale date of XXXX -- just next week! regardless of the fact it violates the CA Homeowners Bill of Rights by dual tracking.
<P/>They have left me completely frustrated. By stalling in their decision making, they then request updated documents. They are always provided promptly by me but ignored or lost. We continue to go in circles with no relief in sight for me. This has made my recovery all the more difficult due to the stress they have created.
Product: Credit reporting or other personal consumer reports

This XXXXXXXX XXXX XXXX account is not mines i was a victim of idenity theft and i have filed a police report and they fail to remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

i payed them off and the account show as still open when i closed it.
Product: Credit reporting or other personal consumer reports

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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries.

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, credit repair services, or other personal consumer reports

I had a few hard inquiries and a charge off on my Transunion credit report, that is inaccurate and I had no knowledge of. I had an investigation on this and I never received information on the situation. the information is inaccurate and the company proceeded with the inaccurate reporting of an account/items I had no knowledge of. I have even went so far to contacting the " lenders '' themselves and they had gave me the run arounds and no response/resolution on the information that is reporting inaccurately.
Product: Vehicle loan or lease

Hello, I bought this car on XX/XX/XXXX not even a week after owning the vehicle it broke down and left me stranded in the middle of a XXXX XXXX highway. I called the bank and car lot explaining what happen and that the car come with warranty and it needed to be fixed. XXXX fuel injectors failed and started a huge gas leak that couldve killed me. The car lot and bank both refused to fix the car or take it back and return my money. Oh yea btw this bank XXXX total auto finance is not a real bank good luck with them ripping you off with money and never getting a response. A bank should not be able to text or call you XXXX hours a day 7 days a week. If they claim theyve offered to fix my car why had it been sitting for 6 months out of the 11 months ive had it? Why did I have to get a lawyer involved and sue for warrant in debt. If yall tried to fix it why did XXXX XXXX me to bring the car to yall? Why when I TOWED THE CAR TO YALL WHICH WAS XXXX and half hours away XXXX XXXX tell me where my car was going or who the mechanic was? Why did yall tell me drop the car and keys and leave immediately and then after I kept asking for my answers yall started to cuss me out and yell at me? I can upload the video because its recorded as well as XXXX witnesses who was standing with me and saw it. Do you wan na bring screenshots of where XXXX forged my name on a new contact with a higher amount and refused to give me a copy? If I signed a paper dont you think I would have a copy? XXXX you think I wouldve remembered the exact amount financed. Funny how youre hiding behind a screen telling lies but yet cant be served with paperwork because no one can find you. Karma is bad and its coming really soon and hard for yall. That car has gotten me hit 2 times and almost passed out behind the wheel because the fuel flames coming through the cars venting system. Lets not forget the car had a salvage title and in the state of Va IT IS ILLEGAL TO SELL A SALVAGE TITLE WITH A CAR without disclosing it or any known issues in the contract. How was my XXXX XXXX XXXX with XXXX miles listed as XXXX on the website and some how AFTER I bought the car it went up to XXXX? How come I never signed the contract that shows XXXX? Why did I never get a copy that says {$17000.00}? Why havent yall reported my payments Ive made since XXXX of XXXX? I can go on and submit a LOT MORE EVIDENCE against XXXX but XXXX let that lawyer handle that. Dont forget how yall HAD PLASTIC ZIP TIES holding car parts together on this car & how I had to spent almost XXXX dollars on a new motor for the car because XXXX refused to fix the issues wrong even though it was covered under warranty!
Product: Student loan

I have student loans in deferment right now, five are in the SAVE program with {$0.00} a month and no interest, the other five have payments that are not due to start for two years. 

Nelnet however has been reporting to the credit bureaus that I am missing payments each month, for five loans each time. I signed in and see not only that but theyve also been adding on tons of interest and theres no mention of the SAVE plan. 

I check the government site, everything looks great. Nelnet will not stop and will not reply back to me
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$750.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$440.00} XXXX XXXX XXXX  Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Please delete these inquiries. I don't know about them, and they were done by the company without my consent.
Product: Credit reporting or other personal consumer reports

XXXX is in violation of 15 USC 1681b ( a ) ( 2 ). I did not provide the credit reporting agencies with written permission to report any of these accounts that I am requesting to be removed listed below : XXXX XXXX XXXXXXXX ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Altough I already have a existing account with the company that doesnt pretain to the siruation at hand. On XX/XX/2017 a non-requested, unapproved, identity theft hard inquiry or opened account was made by and through : CONN CREDIT CORP XXXX. XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to XXXX XXXX in regards to account number XXXX and XXXX , Transunion , and XXXX. asking to reinvestigate information. I now have proof that the investigation was not taken seriously. all credit bureaus did not do there separate investigation per the FCRA. they let XXXX XXXX   send false and inaccurate info and they also change the date of first delinquency to cover it up. I have a copy of before and after I disputed and the changes that were made. in the payment history sent to me by XXXX and there was a 30 late in XXXX of XXXX for non payment in XXXX. it also reflects in my old credit report. they had that info changed or not reported. so now they can say the first date of delinquency is XXXX of XXXX they also hade different account numbers on different credit reports the other one was XXXX the credit bureaus allowed them to change that instead of have them delete it due to inaccuracies and incomplete information per the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all incorrect information on my credit report with transunion to help my file. a lot of information is invalid an is hendering my file. please correct my credit report to 100 % accurate.
Product: Mortgage

Quicken/Rocket mortgage kept changing Discount points from XXXX pts at 2.75 % to XXXX pts at 2.75 %, again to XXXX pts at 2.75 %, wait for it ... XXXX pts at 2.75 % .This clearly appears to be Predatory Lending Practices! This refinancing process started XXXX XXXX months ago too many delays. I submitted all documents very quickly. I had to withdraw from the process too many RED FLAGS!
Product: Credit card

Date of purchase on Macy 's website : XXXX, XXXX 2024 Amount of dispute : {$1000.00} I purchase skin care from Macy 's website using Macy 's benefit card ( only use on Macy 's ). I didn't receive my skin care, and I called Macy 's request for resend my stuff, but they rejected my request. So I called Macy 's card tried to dispute the charge. After 1 billing cycle they closed my dispute.
Product: Mortgage

Numerous attempts were made thru XXXX, contacting Well Fargo, requesting paperwork to re-modify the mortgage loan. I was always promised paperwork but never received any such paperwork. I was in an adjustable rate mortgage loan, having to refi every couple of years. On XXXX occasion, I was forced to take XXXX from my equity just to refi the loan. There was XXXX existing loan, as the XXXX had been paid off. Unfortunately, I ended up loosing my house to a forced foreclosure, with Wells Fargo escalating the mortgage. I came home from court and my house was ransacked with all my belonging out in the driveway on a rainy day, with people left to pilfrig thru my personal belongings to take as their own. There was no entry log documenting the list of items removed providing a log, listing my possession 's removed from the house and disbursed my goods to the driveway. I ended up loosing my stuff due the weather elements, ( rain ) and being tossed out in the driveway in XXXX big heep. Forced foreclosure XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXXXXXX XXXX XXXX have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 120 days past due, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. The 3 credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at The 3 credit bureaus are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Ive never been behind on my payment. I tried contacting the 3 Credit Bureaus and the XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX XXXX Date opened XX/XX/2016 Balance : {$0.00}.