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

I traded in my XXXX XXXX XXXX on XX/XX/2020, Financed through XXXX  XXXX to the XXXX dealer, XXXX XXXX in XXXX Florida financed through XXXX a XXXX XXXX XXXX. I immediately called XXXX XXXX and got the payoff amount and told them I traded in the Vehicle I was outsourced to the XXXX. I made several calls during this period of time so did the dealer. A check was cut by the dealer on XX/XX/2020, for {$33000.00} an overage of the payoff of {$150.00} which XXXX  XXXX is refunding me. Because of the CORONA Virus pandemic, all of the non-essential business in XXXX Florida was closed down on Friday, XX/XX/2020. The dealer had sent the check XXXX XXXX to Californa Payoff address for XXXX  XXXX it was received and signed forXX/XX/2020 at XXXX XXXX   by XXXX. I also sent a letter by regular mail to XXXX  XXXX to make sure they had copies of the check as well and phone calls from me and the dealer. Now Please be aware we are are all quarantined at this time, my mother is XXXX and in Wisconsin XXXX  with the XXXX  I am in Florida unable to travel. This horrific company is giving me the run around with people telling me I have to make payments on a vehicle that was traded in and paid off!. I WAS NEVER LATE ON A PAYMENT FOR 18 MONTHS at 16 % interest. On XX/XX/2020 XXXX  XXXX reported me to all 3 credit Bureaus as being late payment with 0 delinquency because I owe no money The assistant to the President called to tell me the payoff even if it was the over amount was 4 days late during a PANDEMIC I have her name and number. They are deliberately trying to ruin my credit. I have submitted documents I have a letter from the dealer and an official statement from the city of XXXX for the closure, They need to be held accountable! I am a good customer my credit is important based on this report my score dropped 22 points again I traded in my car on the XXXX it was paid off in total on the XXXX during a pandemic. This was unacceptable. I am sure I am not the only consumer they are ruining credit on honestly they have a terrible attitude toward the consumer. I am going to report them to the XXXX XXXX XXXX and Florida Attorney general as well I know this seems extreme But it is morally wrong I do not owe these people any money I was not late and they owe me money.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX XXXX : XXXX XXXX I am writing to dispute the unauthorized sharing of my personal financial information in violation of the XXXX XXXX. I recently discovered that you have been sharing my financial information with third parties without my consent, which is a direct violation of the privacy protections established by the XXXX XXXX. 

As a consumer, I have the right to control how my personal financial information is shared and used by financial institutions. By sharing my information without my consent, you have not only violated federal law but also breached my trust as a customer. 

I demand that you immediately cease sharing my personal financial information with third parties and provide me with a full accounting of how my information has been shared up to this point. I also request that you take steps to prevent any further violations of the XXXX XXXX in the future. 

Failure to comply with these demands will result in further legal action being taken against your company. I expect a prompt response to this dispute and a resolution to this matter as soon as possible. 

Sincerely, XXXX XXXX XXXX Account XXXX Your client : Stafford Group Associates
Product: Debt collection

LVNV is commiting fraud and asking myself to commit fraud. 
Inability to pay According to -- -- -- >>>>> Whereas Article 1 section 8 Clause 1 dictates that, Congress shall ... Pay the Debts ; and, Whereas Article I, Section 8, Clause 5 grants, Congress shall have Powerto coin Money, regulate the Value thereof... and Section 10 sates, no stateshall make any Thing but gold and silver Coin a Tender in Payment of Debts. ; and, Whereas in the United States, legal tender is statutorily defined as all coins and currency issued by the United States Treasury or the Federal Reserve System, including fiat money coins and notes but this definition exceeds Congresss power under the Constitution ; and Whereas existing legal tender law ( 31 U.S.C. 5103 ), first passed in 1862, declares Federal Reserve Notes to be legal tender but, such notes are not legal tender in the constitutional sense, because they are fiat money and bills of credit ( no longer backed by gold since 1933 ), which the Constitution forbids ( Article 1 Section 10 ) ; and, Whereas according to the statutes and rules that govern the Federal Reserve System, bills and other certificates of indebtedness are obligation of the United States ( 18 USC 8 ) and as a non-citizen, non-resident, non-federal reserve agent, non-federal reserve bank Affirmant is not authorized to pay using the Federal Reserve System ( 12 USC 411 ).

Conclusion : The Affirmant, as one of the real men with arms and legs on this land called America, is a collateral creditor ( 15 USC 1692a ( 4 ) ) of the full faith and credit of the United States ( 12 USC 1825 ( d ) ). As such creditor Affirmant is not liable for any obligation of the United States. 

QUESTIONS RAISED TO " CREDITOR '' : XXXX ) Who is required to pay debts? 
2 ) What species LVNV requiring as payment?

3 ) What legislative authority gave LVNV the legal ability to determine the said payment? 

I, XXXX XXXX, living private woman heredo by certify this statement to be true under penalty of perjury.
Product: Debt collection

Convergent/XXXX calls me on my cell and at my work number. They wo n't give me any information about " the personal issue '' until I verify my last XXXX Social Security numbers, address and birth date, which I will not do unless they tell me why they are calling. They then tell me they will report that I refuse to cooperate, and hang up. There has to be something that can be done to stop this kind of harassment and bullying.
Product: Mortgage

XX/XX/XXXXAttention : RCS Inc. Error Resolution/Information Request/Customer RelationsLoan # XXXX : Short Sale Decline AppealDear Sir/Mam, I am formally requesting an appeal in reference to the decline of my Short Sale Application submitted on XXXX XXXX, XXXX. The documents requested by RCS were forwarded in their entirety within the deadlines provided to complete the file. We have a qualified verifiable all cash buyer prepared to proceed. On XXXX XXXX, XXXX RCS violated of the Department of Justice Settlement National Mortgage Servicing Settlements that prohibit lenders from dual tracking foreclosure ( see highlighted below ), by declining my loss mitigation application short sale without legitimate cause and furthermore not exhausting the appeal process before pursuing a foreclosure sale on XX/XX/XXXXCFPB Rules Restrict Dual TrackingThe CFPB, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of XX/XX/XXXX, issued new mortgage servicing rules that went into effect as of XXXX XXXX, XXXX. Among other things, the rules restrict dual tracking. 
Under the new rules, a mortgage servicer can not initiate a foreclosure until you 're more than 120 days delinquent ( which provides a reasonable amount of time to submit a loan modification application ). Also, the servicer can not start the foreclosure process if a loss mitigation application is pending. 
If you submit a complete loss mitigation application to your mortgage servicer after the foreclosure has started, but more than 37 days before a foreclosure sale, the servicer must stop the foreclosure process until : the servicer informs you that you are not eligible for any loss mitigation option ( and any appeal you make has been exhausted ) you reject the workout option that the servicer offers to you, or you accept a workout, but fail to comply with the terms of the deal ( such as not making payments during a trial modification ). Source : NolopressIn addition to this letter I have included the following documents for your reference:1. Signed Purchase Agreement Buyer/Seller2. Buyer Proof of Funds3. RCS Correspondence dated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXXI have also forwarded this to the Consumer Finance Protection Board in the form of a formal complaint to the Consumer Protection Finance Board. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address concerning inconsistencies in the reporting of an XXXX XXXX account on Equifax Credit Bureau, specifically in comparison to information on another credit reporting website. 

Upon careful examination of credit reports, I have identified significant discrepancies that indicate potential violations of the Fair Credit Reporting Act ( FCRA ). The XXXX XXXX account is currently reported differently on Equifax Credit Bureau compared to another credit reporting website, resulting in inaccurate and misleading information. 

Charge Off and Collection Reporting : On one website, the XXXX XXXXXXXX account is reported as a charge-off, while on Equifax Credit Bureau , it is reported as a collection. This inconsistency in reporting violates Section 623 ( a ) ( 1 ) ( A ) of the FCRA, which requires credit reporting agencies to provide accurate and complete information regarding any collections. 

Misleading Past Due Balance : Additionally, the account is displaying a past due balance on Equifax Credit Bureau, contrary to its status as a charge-off. This misrepresentation infringes upon Section 623 ( a ) ( 5 ) of the FCRA, which mandates that creditors report accurate information, including the date of any charge-off. 

FTC Identity Theft Report : I would like to emphasize that this XXXX XXXX account is fraudulent, and I have completed an Identity Theft Report with the Federal Trade Commission ( FTC ) to address the identity theft issue. Reporting inaccurate information on a fraudulent account further compounds the violations of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my updated credit report from Transunion, the report stated the information was verified and to contact the creditor regarding the bankruptcy. Who did they verify the information with so that I can contact them. I contacted the XXXX XXXX XXXX  and they stated that they do not verify information with credit bureaus, my XXXX XXXX report does not show any bankruptcies on there. I would like Transunion to let me know who they verified the information with so that I can contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus have statements of serious delinquency however there is no evidence on my report that supports this statement. I have no missed payments reported on any account in over two calendar years. 

This statement has lead to multiple denials. Additionally, I have asked for erroneous inquiries to be removed from my credit. I have asked both the credit reporting companies and the companies with who the inquiry was made. My personal information has been compromised through XX/XX/XXXXXX/XX/XXXX data breach and stolen identity. yet my credit is constantly running without any alert of this or calls
Product: Consumer Loan

I recently had my XXXX cars, leased through Ally Financial, come to term. With each lease that ended, I experienced problems. On my first lease return, I will not say there was fraud but, there is definitely a policy of collusion and steering by the bank. I was told my buy-out/payoff of the existing lease was $ XXXX. In this car there was a little equity. When I tried to buy a new car from a non-Ally affiliated company, we were told the buy-off amount was $ XXXX more than the original agreed residual amount. After discussing this with Ally, I took my vehicle to an Ally affiliated dealer and the buy-off was only $ XXXX more than my residual. I truly have a major issue with Ally marking up a car where they agreed to take a predetermined amount just because they can but, I have an even larger concern about the legality of charging different companies large varying amounts to encourage business to go back to their partners. It halts competition and injures consumers and consumers choice. 

On my second lease return, the car had little to no equity. To make the right decision for myself, my family and Ally, I asked to my car to be appraised before I returned it to the dealer. I wanted to know how much Ally would assess me for any wear and tear and damages upon return of the vehicle. This information was to allow me to make the best financial decision for myself as a consumer. If I was to owe a lot of money due to the low equitable position, I may have decided to keep the car. If there was little to no assessed damages, I would considered returning the vehicle and buying a new car. After hours on the phone with no result, I was given only XXXX options, buy the car from Ally at my residual or return it to the dealer and have any assessed damaged levied upon me days after the car return with no ability to discuss or negotiate the cost. I was left with no choice by Ally again. It has to be possible to have the car appraised before you return it but, they did not allow that to happen. These choice-limiting, consumer-injuring tactics ca n't be ok and should be illegal. 

I will definitely avoid Ally Financial ( www.ally.com/auto or XXXX ) in the future. To be clear, other leases with other financial institutions I have had were no problem to end.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit information older than 7 year if neg is suppose to be removed.the account i had with XXXX XXXX XXXX XXXX   was removed from XXXX  and XXXX with in two days the first late pay was XX/XX/XXXX and was supposed to be removed last year. i have filed 4 disputes so far with equifax and the company XXXX XXXX XXXX XXXX keeps changing the dates to XXXX and to XXXX.
Product: Debt collection

I received a call Monday around XXXX that I have medical debt of {$610.00} dollars that was owed to XXXX XXXX XXXX XXXX from 2013 that I was never made aware of. Since Monday, this company First Financial Investment Funds ( First Financial Asset Management ) has called everyday 8 times a day. They keep calling after I asked them to not call me again. I asked them on Tuesday to send me a bill in the mail at which point I will pay my debts, however I would not be doing so over the phone. Representatives are very rude and do not sound like legitimate company representatives. The reps will not let you get off of the phone with them and it 's always the same people who pick up the phone.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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/XXXX
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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 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: Bank account or service

Paypal is holding {$13000.00} of my available money for the next 90 to 180 days. I sold a XXXX security tower on XX/XX/2016 on ebay for {$24000.00}. The buyer paid for the item immediately and paypal showed the balance as available in my account. I made arrangement for the buyer to pick up the item ( which comes with a florida title and registration ) in 3 days. I then tried to withdraw {$300.00} out of my local ATM the next morning after I had received clear payment, but my transaction was denied. I was very alarmed so I called paypal to find out what happened. Paypal informed me that they had associated my account with a delinquent account that was 14 years old ( my current paypal account has been in good standings without question for the last 12 years, and payapl has never tried to come after me for a delinquent account prior to this ). I informed paypal that the delinquent account did not belong to me and asked them to do a fraud investigation. They proceeded to conduct XXXX " in-house '' fraud investigations over the next 48 hours only to inform me that they still believed it was linked to me. During all this time I have a balance of {$26000.00} which paypal is holding ransom until I agree to pay {$1000.00} for this other delinquent account. YES YOU HEARD ME RIGHT, INSTEAD OF FREEZING {$1000.00} OUT OF MY {$26000.00} BALANCE THEY EXTORT ME BY HOLDING MY ENTIRE ACCOUNT RANSOM UNTIL I AGREE TO PAY THEIR CHARGES. So I reluctantly pay the {$1000.00} to gain access of my money, but I did have them note that this delinquent account still was not my account and the only reason I was paying it off was because they were making me do so to un-freeze my account. Now my account is active again for 2 days before another department of paypal freezes my account AGAIN and will not let me touch my money. The merchant division of paypal freezes {$13000.00} and tells me they are going to hold my entire account for 90 to 180 days. Mind you the buyer has already taken possession of the item ( with a florida title and registration ) so I do n't have the option to cancel the transaction. Now I 'm stuck without my item and with a frozen account for the next 90 to 180 days. I use ebay and paypal as my main source of income to provide for my family of XXXX. Now I ca n't make any sales because every penny that goes into my paypal account is frozen up to {$24000.00}. The buyer has also agreed to sign an affidavit relinquishing all of his right to come after paypal or his credit card in the future. Paypal said that wold not change anything, they still would need to hold the money for 90 to 180 days. 
PLEASE PLEASE PLEASE HELP.
Product: Credit reporting or other personal consumer reports

The duty pursuant to the FCRA, it TRANSUNIONs to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 1 inaccurate late payment for the XXXX XXXX  account ending in XXXX. This includes a 30 day late payment posted in XX/XX/XXXX. This is incorrect and is supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of this inaccurate late payment has resulted in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish this inaccurate late payment on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination and possibly homelessness very soon. I have tried to remedy this situation by responding to TRANSUNION via written letters to remove this inaccurate reporting of late payments on XXXX XXXX XXXX and XXXX XX/XX/XXXX, however they have continued to ignore my requests. It is because of this inaccuracy that is causing my wife and myself to not be able to find a mortgage lender in order to secure safe housing for us. I fear that if these inaccurate late payments arent removed soon, that we will be homeless.
Product: Checking or savings account

A family member asked to send funds from my XXXX account linked to BMO to their XXXX XXXX. The funds he sent was a bad check. I had enough in my savings to cover the amount that was fraudulent & still had extra funds in my account. The bank told me XX/XX/XXXX they closed my account and I will receive my check in the mail in 3 weeks. I called back again about a month later and they said I need to go into the bank to verify myself. When I spoke to XXXX I told the fraud department on XX/XX/XXXX he said theyre backed up and theres no time frame on when my funds will be released. He said he will have the manager call and its in their notes, but no one reached out. Its going on 5 months now. My account is not closed its still in the frozen status.
Product: Checking or savings account

My payroll direct deposit is deposited into a vemo account I got a direct deposit into my venmo account on XX/XX/2022 when I went to go use my card and also send my daughter money I got an alert saying that my account had been frozen after that I had emailed the support team for venmo and submitted the documentation that they needed they said there was a security reason for them to freeze the account I sent over my driver 's license my marriage license and both of my bank accounts that are attached to the venmo account XXXX days later last night XX/XX/XXXX she lie XXXX at around XXXX a.m. I got an email from the support team saying that my account had been unfrozen and I will be able to use my account like normal this morning XX/XX/XXXX I went and I sent out money to my daughter and I got an alert that said you can't do this your account is frozen again I talked to the people at venmo the person I spoke with was very compassionate and understanding and also said this was no fault of my own that somehow they had put restrictions on my account that when anything is done that has anything to do with those restrictions my account would freeze when your account of your account freezes with venmo it can take up to seven or 10 business days for it to get fixed this is my only income I was laid off last week on Thursday the only dime I have was the {$580.00} that was in my account my children have not had any groceries my animals have not had any dog food the only people that are suffering through this are my children so I have expressed this to demo several times a day and I still get no reply back.. the reason why I'm filing a complaint with you all it's because I googled what to do when you're trying to file a complaint with a bank and this is what I got so please I need you all 's help please contact me ASAP so I will not have to send my children to other family members just for them to have nutrition