23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 call and talk to the nice lady XXXX I ask her if I could speak to someone in the office she said they the lady had my case on the desk and they are handling it. 

Seem like this company can't be trusted I see some of the same issue I am having For the monts Of XX/XX/2019, XXXX XXXX XX/XX/2019 XX/XX/2019 XXXX I sent my payments but they didn't process them the correct time and I remember when I ask the lady she said they will update everything they were working on their system it should be notes in there system.. 
I am asking that y'all please update these dates to pay as agreed because those days I paid in time y'all was having system problem I with from XXXX  later to XXXX not to XXXX Somthing not write I seen people in the pass had to get lawyers this is very stressful y'all already embarrassed me by putting the wrong information on my account and y'all still want fix these dates. Please please update those dates has pay as agreed I just to call and talk to someone but told I couldn't because you are working on my case these are the days that need to be correct thanks here is only people who had the same issue the money order get return you pay online it post the wrong time that's crazy please update my account i attached copies. Y'all have open dates all wrong y'all make me look real bad and I pay on time
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit report from Equifax in XXXX of 2020. I was denied. I called Equifax customer service and was told my social security number does not match the information on file and they can not share any information with me. I was told to fax documents in order to verify my identity. I have sent my documents multiple times and am always told no documents have been received. I then received a letter in the mail from Equifax stating they were unable to locate my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to the CFPB regarding the illegal practices Experian, XXXX XXXX XXXX are engaging in concerning my consumer credit reports. I, XXXX XXXX have had my consumer and privacy rights breached and violated in which I reached out to the credit bureaus respectively and asked them to conduct a reinvestigation into these matter of fraudulent inquiries and collections in which my information was tampered with without my knowledge and consent. I reached out to the credit bureaus in which Experian failed to conduct an investigated and continued to report illegal information in which I will include the attached documentation. XX/XX/2022 Experian received my dispute information and on the XX/XX/XXXX literally the following business day an investigation was completed in which none of the fraudulent inquiries were removed or the collections? This company illicitly ignored my concerns and demand while continuing to furnish inaccurate information that has caused me emotional and financial distress while causing me to lose my job of 15 years. They must be held accountable. The same situation happened with XXXX XXXX XXXX in which they did not conduct a 30 day investigation. XXXX has failed to open a dispute and XXXX opened 3 different disputes all completed within 5-10 days in which I was not notified of the investigation procedures or given the results and why this information is verified in which once again these bureaus simply brushed off my concerns regarding the validity of the information on my credit report. These 3 Credit Bureaus XXXX, Experian, & XXXX must be held accountable for their violations against my privacy and consumer rights under 15 USC 1682 ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Global Vlient Solutions scammed me into a credit repair service debt cancellation where I was told to not pay on my credit cards and they would negotiate a settlement. It worked for a few accounts but they never followed thru with a settlement offer from XXXX XXXX nor did the so called lawyer who was supposed to handle it prevent them from having a judgement and huge lien against me. My bank account has been over {$13000.00} in the hole because of this and my credit is ruined. Since they can no longer get money from me, because of the judgment against me that they caused, XXXX XXXX is unwilling to do anything to help rectify this problem.
Product: Credit reporting or other personal consumer reports

I am unable to obtain my transunion credit report. I have requested it in writing with them and have not received it either. Transunion has enabled my ability to access my credit report through them online at transunion.com since filing a cfpb complaint on them.
Product: Credit reporting or other personal consumer reports

The FDCPA is meant to protect my right to privacy, yet my privacy has been violated by the Consumer Reporting Agencies, XXXX, Equifax, and XXXX. I noticed that my consumer report is erroneous, out of date, and that no legal evidence has been presented to me. The Consumer Reporting Agencies failed to fulfill their responsibilities. I have the right to know, who was interviewed by Consumer Reporting Agencies? Who gave them the power to tamper with my life? Is it true that I am not a federally protected consumer? The Consumer Reporting Agencies never acquired my authorization to report on my consumer report, either orally or in writing, and this constitutes identity theft.
Product: Vehicle loan or lease

I was charged {$31000.00} for a XXXX XXXX in XXXX I was unaware of all the hidden and extra fees and then Covid 19 pandemic hit This company is involved in several lawsuits regarding this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

Concerning complaint # XXXX filed on XX/XX/2022, Experian claimed XXXX XXXX  account hd been reported timely. I am asking for Experian to answer the following questions. XXXX. What date did Experian receive the AUD from XXXX for the XXXX, XXXX update? XXXX. What date did Experian report that information from XXXX to update my credit report. XXXX. Did Experian calculate the XX/XX/2022 information with the credit score they reported. I find it difficult how my credit to ratio dropped from 70 % to 47 % once the new balance from XXXX posted, yet incredibly my credit score stayed the same at XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 2 years I have made several attempts to remind XXXX XXXX of their duty under the Privacy of Consumer Financial Information Rule of the Gramm-Leach-Bliley Act. My records indicate that XXXX XXXX is reporting an account on behalf. By sharing my nonpublic personal information to NON AFFLIATED THIRD PARTIES. To my knowledge, I no longer have an account with their company.

Under the Gramm-Leach-Bliley Act a former customer that " has obtained '' a financial product or service from a financial institution but no longer has a continuing relationship with it. For purposes of your obligations under the Privacy Rule, a former customer is considered to be a consumer.

The Privacy Rule protects a consumer 's " nonpublic personal information '' ( NPI ). NPI is any " personally identifiable financial information '' that a financial institution collects about an individual in connection with providing a financial product or service, unless that information is otherwise " publicly available.

XXXX XXXX failed to provide a privacy notice, including an opt-out notice prior to sharing my NPI with these nonaffiliated third parties. 

EXPERIAN XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I had a title loan with titlemax in 2018 the interest was extremely high that I couldn't pay for my rent or food. I was already low income My Dad was XXXX I feel like the interest Robbed me out of my vehicle. The interest was over XXXX but my car was worth XXXX at that time.
Product: Credit reporting or other personal consumer reports

Dear CFPB, IRS, XXXX, XXXX, TRANS UNION, XXXX XXXX XXXXXXXX I am writing to demand the deletion/removal of an unlawful and inaccurate report on my account. XXXX XXXX XXXX has unlawfully given my nonpublic personal information, personally identifiable information, financial information without my consent to a third party. This is clearly stated in the Fair Credit Reporting Act in section 604 ( B ). I have not given consent, written instruction or permissible purpose for this to be reported, shared or sold. This is also a breach of the arbitration agreement. The account in question has been bought by XXXX XXXX XXXX XXXX XXXX XXXX. Furthermore XXXX XXXX XXXX  XXXX XXXX XXXX has harassed me constantly even after me telling them they legally need to cease and desist. These are all violations of the FDCPA, FCRA, GLBA, ETFA, this is also fraud identity theft, harassment. I demand the account be removed by all credit reporting agencies and the 3rd party. In addition to the deletion of the account and rapid rescore I expect my privacy right to be respected and I expect all parties to act in accord with the law. Including all applicable tax law. This illegal, unlawful and inaccurate reporting is damaging my credit worthiness and if it continues I will be forced to alert the SEC, FTC, IRS and every applicable legal entity to resolve this matter. There are also several violations of state law. Rather than pursue all of these in court, I simply demand the item be removed in accordance with the law. Then all parties are made whole. Any further communication that doesn't involve removing the account will be considered a failure to cure. This is a notice to all parties involved that any further non compliance will be considered willful. Please be advised that this is my request asking you to remove the unverified account on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report as well. I demand that you remove the account from my credit report immediately. If you do not comply with this demand within 30 days, I will be forced to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is a consumer reporting agency as defined in the Fair Credit Reporting Act 15 U.S.Code 1681a ( f ). Ive tried disputing this inaccurate info before and to no avail. My consumer rights have been respected, as a Consumer Reporting Agency you have a vital ( life or death ) role in assembling consumer credit, with a need to ensure its furnished with fairness and respect to me. 15 U.S.Code 1681b ( 2 ) says you need permissible purpose and I never gave written consent for it to be there. My privacy under the GLBA 15 U.S.Code 6802 ( b ) ( 2 ) I was never provided an opt out option from you or any other financial institutions. BLOCK/REMOVE this information in accordance with 15 U.S.Code 1681c-2 ( a ) it doesnt relate to me XXXX XXXX, as I am a Consumer/Natural Person. ACCOUNTS XXXX. XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( # XXXX )
Product: Checking or savings account

Received an email on XX/XX/2019 from XXXX confirming my order. Found out my former partner used my XXXX account to order some items using his debit card. I called XXXX, changed my password as directed and cancelled the orders I did not place. On XX/XX/2019 I received an email about one of the cancelled orders was shipped to my former partner, after I contacted XXXX about the unauthorized use of my account ( due to shared computer that I could not wipe before being forced from my home on short notice, XXXX  XXXX situation ). As far as I understand, the light was defective and returned, and a replacement item was shipped on XX/XX/2019. 

My former partner was refunded by XXXX for this order, then my debit card was charged. I asked Umpqua bank to investigate the charges because I NEVER AUTHORIZED THIS CHARGE! But was told by Umpqua that this is not fraudulent activity because my former partner had access to my information and I kept payment information in my XXXX account. I do not understand why XXXX is not charging my former partner 's card for this item when it was used to make this purchase, or why a replacement item was sent on XX/XX/XXXX when I cancelled the order 9 days earlier. 

On XX/XX/2019, received an email from XXXX that my account was being charged for the order cancelled in XXXX because the item was never returned. I called XXXX to try to resolve but was only told that I needed to return the item for a refund. Repeatedly told XXXX to charge the original payment account for the order, not my debit card which was saved in my payment accounts with XXXX and never authorized for this purchase. 

Contacted Umpqua bank subsequent to this conversation ( appx XX/XX/XXXX ) and was offered provisional credit while this was being investigated. The result of the investigation was a rebuttal from XXXX that my debit account could be charged since the order was made from my XXXX account. I told Umpqua bank the original payment method for this order should have been charged. 

XXXX sent an email on XX/XX/2019 informing me that a refund was being issued. The refund was issued to my former partner. XXXX charges my debit card The only alternative that Umpqua bank has offered is attempting to work this out with my former partner, and if he does not pay me back for this item, that I need to contact law enforcement and get a police report for the fraudulent use of my debit card. My partner did not use my debit card for the original purchase, so this is not true. If anything, the fraudulent charges are due to the unauthorized charges made to my checking account by XXXX. 

This problem has created an undue financial hardship, as I am XXXX and on a small fixed income.
Product: Debt collection

I have contacted this company via phone call to inquire as to why they are reporting a false debt to my XXXX, XXXX, and XXXX accounts. As per conversation I asked if they can provide an original purchase agreement that includes my signature, social security number, and an updated address to ensure who the debt belongs to. They were unable to provide this information to me thus proving the invalidity of this account. It is illegal to report a false account on such platforms. Failure to provide information on a legal bidding contract is against the law. Credence Resource Management does not have a purchase agreement that legally binds me to the debt, establishing the invalidity of this report.
Product: Debt collection

Upon closely reviewing my latest credit report, I found multiple accounts that I believe to be fraudulent and added without my consent.
Product: Mortgage

Complaint again Seterus Mortgage. I am trying to purchase another house & sell the one I 'm in where the Seterus Mortgage is the loan holder. I went to pre-qualify XX/XX/XXXX & was turned down. I got a copy of the credit report & they state that I was 120 days late for XX/XX/XXXX & XX/XX/XXXX & XXXX. I have consistently paid each & every month. I believe they made a huge mistake in reporting to the credit bureau. I 've talked with them 4 times now. The 1st time I called they did n't have payments entered that were paid & deducted from my bank. Oh ... so they fixed that, the next day of their awful website all of a sudden it showed payments for XX/XX/XXXX & XX/XX/XXXX. At that time I asked for them to send a payment history to me. They said no problem. About 1 week later I get an application for a modification with them. Mind you I talked with them 2 other times in between this first original phone call. They are VERY RUDE customer service people that will not listen to anything you say. Last night I got the worst representative. She yelled at me several times, interrupted me several times. Told me they did nothing wrong. I asked to speak to a manager 4 times & she refused to get one on the phone. She said they would n't say anything different that she did n't say. My girlfriend & I have gotten all my bank statements for XX/XX/XXXX-XX/XX/XXXX & XX/XX/XXXX. Looks like I 've been paying, I believe they have been applying it to the wrong year and/or month. I was deliquent at one time, but only for 3 months & that was in XX/XX/XXXX. ( I was scammed by another company ) I entered their Modification Program. I paid for the trial period of 3 months & they applied those payments, I believe to the wrong months, making it look like I did n't make any payments. They refuse to discuss anything, that they may be in the wrong or rectify the situation. Along with refusing to allow me to talk to a manager. They do not have email to write to, they did give me a number for complaints. And researching this company, I 'm distraut of the way I have been treated & the lack of knowledge that the representatives have in this important situation. They continually contact me with " offers '', calling on the day of the due date. Last night the first thing the representative said, oh your current to you want to set up your next payment. They say they put notes in their computer when I contacted them, but each representative does not read them. I asked for them to send me a payment history for the entire time I 've been with them & all documentation with my signature on it. I would like to get this resolved ASAP to get approved to buy another house. Guess they do n't want me to pay off that loan? The first person I talked with, I was on the phone for almost 2 hours & she had to talk to her manager about missing payments not being recorded right. Again, they refuse to rectify this situation that has hurt my credit more than I imagined & being treated so disrespectfully XXXX by the representatives. I hope something can be done soon on this situation. Thank you.
Product: Bank account or service

My husband and I have been advantage customers with Bank of America NA since XX/XX/XXXX. One of the advantage checking accounts was suddenly closed down on XXXX XXXX, XXXX. I called Bank of America customer service and was transferred to XXXX other departments : Risk ID Support Center, Checking account Fraud Dept, Credit/debit Fraud department all which gave me no answer as to why the temporary freeze of the account. I spoke to different levels of authority and got only as far as to have a reference assigned # XXXX and that someone named XXXX XXXX in the Corporate Security Dept was to handle it. No one that I spoke to knew an extension number or was able to get a hold of that person or offer me any explanation as to why the sudden freeze of the account. This account is tied down to 12 automatic payments and a direct deposit. This sudden freeze is causing mayor financial hardship and worse of all no answer to all the contacts I to reach out to. The financial institution should be held liable for any hardship this has caused us. They are trusted with the handling of any money we deposit and make payment to accounts both personal and business accounts. To suddenly STOP that flow is outrageously disturbing and causing mayor financial and emotional distress. No financial institution shall have the sole authority to intervene in a personal checking account without cause and without a prior warning.
Product: Vehicle loan or lease

I purchase a car for XXXX 3 months later i was in a 5 car accident and the insurance totaled the car then turned around and told me my car is only worth XXXX i said theres no way my car is worth that that banks wouldnt even finance the car for XXXX if it was only worth XXXX i told them no i will not accept i will take my car back and get it fixed they wouldnt allow that or allow me to see my car. While i was in the hospital they called my house and told my mother that they felt bad and they would give me XXXX for the car my mom said oh ok i dont know anything about this this is not my vehicle this is my sons car. I took the loan under my name only no co signers and i was the only one on my insurance plan.then m & t bank calls me up and tells me i owe them XXXX and there turning my auto loan into a personal loan and i told them no thats not happing i paid my insurance from when i was XXXX XXXX XXXX until the day of the accident in 2016 over 15 years they the insurance needed to pay it. They told me to bad thats what happing i waited for the new bill statement to come in so i can fight it with the insurance they never sent me anything and no way to pay it. I been fighting the insurance and m & t bank for 6 years and now when i told gieco i was the only one on my policy and the only one on my car he suggested i get a attorney and hung up on me and im to the point they ruined my credit and im living on the streets .cant get a apartment cant get a decent job all because of this .everything is well documented and the outcome of all this is a XXXX XXXX XXXX and XXXX XXXX XXXX. In the meantime its all a right off for them they dont care about my well being
Product: Debt collection

This collection company is violating my rights they have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my credit report recently, I have constantly been harassed by phone calls, spam emails and additional accounts with various balances for one collection company.
Product: Mortgage

Had a mortgage with Mr. Cooper for 15 years. I was approved for a forbearance plan in XXXX, XXXX, as I was unemployed during Covid. I was initially approved for 6 months initially, and then received 2, 3 month extensions. On XX/XX/XXXX, they claimed I requested to be taken off forbearance. They did not produce an written document, and/or verbal/email as I was still unemployed and never requested. I then got them to reinstate me XX/XX/XXXX. I then sold home and paid of entire Mortgage in XXXX, the next month. I have a {$0.00} balance with Mr. Cooper. However, in applying for my next mortgage, the underwriters stated Mr. Cooper claims I " ... did not make my XXXX payment while under forbearance ''. This defies logic as I did not pay any payments during those 12 months. Even if I did not " pay '' XXXX as they claim, it would have been classified a late payment since I paid entire mortgage in XXXX. While credit companys do not show this on their records, XXXX XXXX and Mr. Cooper do and its preventing me from obtaining another mortgage. Mr. Cooper refuses to help despite many calls and emails. I even submitted a XXXX report on this and yet, no action taken by Mr. Cooper to correct. I need your help! Thanks