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

I have reached out to the following account below and talked to them about the issue with my account as reported by the bureaus. They have advised me that they will remove the late status on my account however, as I reviewed my recent report, the late status are still reported. I am not sure how the NAVY FEDERAL CR UNION came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.
Product: Credit card

Buying an item at Best Buy When checking out I was asked if I wanted to sign up for their credit card and get 15 percent off. I confirmed by asking 15 percent off this item i am buying now. I was told yes, it will be deducted after the return window of two weeks. Instead I was issued a gift certificate with an expiration date enticing me to buy more items from their store. When I contacted the bank and company about this ( I spoke to both ) they were unsympathetic or supportive about being deceived. I disputed the charges and am trying to issue a legal complaint with government protection for fraud. 
I am under the impression that sales reps are incentivized to get customers to finance their sales and this salesperson lied to me in order to motivate me to sign up for financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 informationisinaccurate.
Product: Debt collection

My mother passed away in XXXX, 2020. She did not have an " estate ''. I was not her personal representative. She did not have a personal representative for she had no assets and lived in a nursing home and was on XXXX. She did have an outstanding balance with a company called Care credit. She utilized Care credit services when she was still living independently and able to make decisions. When she started to become ill I did help out with monthly payments to Care credit however I am no longer able to continue doing that financially. I have been receiving multiple phone calls, multiple letters from this company. I have informed them in writing and by phone that I am not responsible for her debt and I had informed them that she does not have an estate .... I spoke to the estate department at care credit, they informed me that I would no longer be notified of any further contact through them. I even sent them a death certificateBut they continue to harass me. I would like to know how to proceed on this further. Thank you
Product: Credit reporting or other personal consumer reports

Lexis nexis was not authorized to place a bankruptcy on my report. The bankruptcy court does not report to the credit bureaus. Lexis nexis is in violation under the FCRA and FDCPA.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I noticed that Cash App placed a hold on my funds without a clear explanation. The amount withheld is [ insert amount ], and despite my repeated attempts to resolve the issue, the funds remain unavailable. 

I reached out to Cash Apps customer service on XX/XX/XXXX and consistently ever since that, but their responses have been inconsistent and unhelpful. They keep telling me to wait for a response but its been a week .They have not provided a timeline or valid reason for withholding my funds. This situation is causing unnecessary financial hardship, and I am requesting immediate assistance to release the funds or provide a concrete explanation
Product: Credit reporting or other personal consumer reports

Clay Cooley, No agency shall disclose any records which is contained in a system of records, by any means of communication to any person, or to another agency ( Privacy Act 1974 ). Cancelled Debts states that a charge off is considered a certificate of indebtedness, which means it is income that can not be reported to consumer reports ( IRS Publications XXXX ). Disputed debts states if the consumer notifies the debt collector within the 30 day period that the debt, or any portion thereof, is disputed, the debt collector shall cease collection of the debt ( FDCPA, 15 U.S.C. 1692 ( g ) ). Any person who obtains a consumer report from a consumer reporting agency, under false pretense, or knowingly without a permissible purpose shall be liable to the consumer reported agency for actual damages, sustained by the consumer reported agency or {$1000.00} which ever is greater ( FDCPA, 15 U.S.C. 1681 ( n ) ). A non-afflicted third-party that receives from a financial institution shall not directly or through an affiliate of such receiving third-party, disclose such information to any other person that is a non-affiliate third-party, unless such disclosure would be lawful if made directly to such other person by the financial institution ( FCRA, 15 U.S.C. 6802 ( c ) ).
Product: Credit reporting or other personal consumer reports

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character ). 
XXXX XXXX. {$970.00}, -- - bal. {$1500.00}, -- - bal. {$110.00}, XXXX bal. {$25000.00}, XXXX XXXX XXXX XXXX {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Frauding scams IDs and accounts frauding me and my documents stack and families corners records and medical files and a few others frauding accounts scams and IDs through XXXX off my two federal FBI XXXX XXXX XXXX files of almost 8 years, frauding off my XXXX XXXX XXXX and XXXX XXXX XXXX. Just two registrations frauding herds scams of XXXX and firm names Then some herds frauding me in Indiana State as listed IDs using XXXX and then herds frauding my grandma of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Frauding a XXXX Indiana documents attached to her social security Data attached to my data Federal not interested and won't remarry into Indiana again XXXX XXXX XXXX of XXXX country Indiana was the last, federal date block on all counties .... federal not interested after the serious XXXX crimes..
Product: Credit reporting

I sent in a multiple inquiry removal letter on XX/XX/2017 in regards to XXXX hard inquires that are being reported on my credit report, they received the letter ( certified ) on XX/XX/2017 and they completed the request on XX/XX/2017. The XXXX hard inquires are not factual and I received the same response for ALL inquires, which was " Inquires are a factual record of file access. If you believe this was unauthorized, please contact creditor. According to FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states, that any information can be disputed and MUST be investigated. The fact that it took 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. Therefore I 'm submitting this complaint due to lack of investigation into my original dispute for hard inquiries that do not belong to me. I did not sign for anything.
Product: Credit reporting or other personal consumer reports

applied for credit at XXXX XXXX and they ran my credit through the data base multiple times without my consent.
Product: Credit reporting or other personal consumer reports

Late payments have been incorrectly reported on my credit record, and my previous communications sent over 30 days ago remain unaddressed. Despite requesting validation, I have received no response regarding these disputed transactions, which require immediate investigation and correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's challenging enough when your identity has been compromised, but for the credit reporting agencies to continue to report unverified accounts then it becomes an legal issue. I was either told that my previous disputes where verified or they didn't respond at all. However, no account has been properly verified because I never recieved the requested hard copy of documentation for neither disputed account. The credit reporting agencies would say that yes the accounts been verified, however as a general rule of law electronic Verification can not be accepted as proof. Exactly what Method of Verification was used?, who spoken with whom?, what date and time did this investigation take place? Now if you can not provide me with this information then as a consumer I'm demanding that these accounts be blocked immediately from my credit files. 
Accounts to be removed. 
1 ) XXXX {$72.00} 2 ) XXXX {$71.00} 3 ) XXXX XXXX   {$130.00} 4 ) XXXX XXXX XXXX {$30.00} 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX {$680.00} 7 ) XXXX XXXX XXXX {$140.00} 8 ) XXXX XXXX XXXX {$350.00} 9 ) XXXX XXXX XXXX   {$5700.00} 10 ) XXXX XXXX XXXX XXXX {$3800.00}
Product: Debt collection

On XX/XX/XXXX CLM contacted my ex-husband regarding a collections account that I do not recognize and have asked for documentation regarding. No documentation has been provided just text messages regarding the agency 's willingness to settle the account for less than half. CLM is saying my XXXX loan for {$1500.00} has been transferred to CLM and they are willing to settle the account for {$780.00}. I do not recognize XXXX at all and would like documentation regarding this debt. I would also like CLM to stop sending text messages to my ex-husband and anyone else.
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. 
Account names : 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

I would like to file a complaint to inform you of some illegal practices of a company called Portfolio Recovery Associates , LLC doing business in the state of Virginia. They are continuously calling, writing and otherwise harassing me over a debt which is not mine. I have asked them to validate the debt made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws with competent evidence bearing my signature, which they have failed to do. This is a violation of the Fair Debt Collection Practices Act 623-b, 611 ( a ) ( 7 ), and 807-8.

I have sent three letters ( attached ) to Portfolio Recovery Associates , LLC asking for validation in accordance with the Fair Debt Collection Practices Act 803 Definitions 15 USC 1692A. This would include a copy of the original contract from the original creditor XXXX bearing my signature. I have never received that. They sent me documents showing that they bought a bundle of debt from XXXX, but they obviously dont have my signature saying I ever agreed to pay an assigned debt collector. They are breaking the law reporting me negatively to the credit bureaus. Further, if they believe XXXX is my creditor, I would like to see the contract with my name on it from XXXX. Without my signature on the original creditor contract that shows I will ever agree to pay an assigned debt collector, Portfolio Recovery Associates is breaking the law by negatively reporting me to the Credit Bureaus. 

In addition, despite the fact that the legal status of the debt is uncollectible, they are also reporting this debt on my credit report. As Im sure you are aware that in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. 

This is my last and final attempt to allow them to remove this PERMANENTLY from all three credit bureaus before I file a claim in small claims court in Georgia, where I live, for {$5000.00}. They will have to fly out from Virginia to deal with this and incur great costs and will lose because they are breaking the law. I want this removed immediately, it is causing me great financial hardship. Thank you for your help!
Product: Debt collection

Upon noticing inaccuracies in the report, the undersigned took it upon themselves to reach out to the creditor to request validation of the debt, but to their disappointment, the creditor failed to provide any supporting documentation. The concern pertains to the account in question, which is erroneously listed as a late payment account. Therefore, the undersigned insists that the credit bureau provides concrete evidence of this account being late. If such evidence is not forthcoming, they demand the immediate removal of the negative payment status associated with this account from their credit report. The following accounts were always paid on time and are therefore being disputed : XXXX - XXXX XXXX  XXXX and XXXX, XXXX. XXXX. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Product: Debt collection

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Product: Bank account or service

I wanted to dispute charges on my debit card with Bank of America. I was told that the only way to do this is via telephone or by physically going to a banking center. As I am XXXX and do not use a XXXX, I am not receiving the same level of service ( or even close ) as I am denied the ability to dispute transactions without enduring XXXX. This is not the first time Bank of America has denied my reasonable accommodation requests. They still have not addressed my previous complaints.
Product: Vehicle loan or lease

I am the financial power of attorney for my elderly father. I am appalled at how poorly this company handles legal documents. My power of attorney has been faxed to Ally financial 3 times. And they claimed to have lost it 3 times. My father had bought his granddaughter a used car. And she was paying the monthly note on the vehicle. The loan is through Ally financial. They would refuse to accept her payments over the phone and hang up on her. Even after being added as a authorized person ok n the account. When covid 19 started at the beginning of the year she received a letter from Ally that they could defer payment due to covid hardship. In Late XXXX she was laid off because of covid. She called them to ask for hardship assistance. They told her that they could not talk to her about the account and hung up on her. She tried many times to resolve this issue they denied her access to bill pay option. when she had money to pay them. And on XX/XX/2020 a unmarked tow truck with no info or dot numbering came and took her car. The tow people wear rude hostile refused to give a business card. They told us not to call the police until 15 mins after they left. Which sounded shady. Plus they didn't show any paperwork or documentation. I also learned that this company has been doing a lot of this and has a lot of lawsuits towards them during covid 19. Also besides the monthly statements we never received a certified letter. Just the one the is uploadedthat is dated XX/XX/XXXX. That we received on XX/XX/XXXX.
Product: Vehicle loan or lease

I had been storing my car at a small storage facility in XXXX, S.C. 
XXXX XXXX XXXX  XXXX, XXXX for approximately 2 years. Originally, I did not believe there was a written agreement ; however, after contacting my mother, who had power of attorney, she provided me with a written agreement which was signed by his father, who also had power of attorney authority. I had spoken to someone who worked at the storage facility on multiple occasions and the person that I spoke to stated that I could pay the payments monthly, every six months or yearly. I believed I owed 2-3 months ' fees, I previously paid sometimes monthly, sometimes 6 months ' at a time, it varied. Without notifying me, the storage facility decided to repossess my car. It is my understanding that the storage facility called my lender, GM Financial, for the loan that is still on his car to tell the loan company that I hadn't been paying and to come get the car. To date, the storage facility has not notified me that I was late on payments, has not notified me that they intended to repossess the car, and never gave me an opportunity to come up-to-date on my payments. It is my understanding that the car was repossessed without a court order on XX/XX/XXXX, I believe that the lender repossessed the car, without notifying me, and it was brought to an impound lot. I then received a notice, on XX/XX/XXXX, dated XX/XX/XXXX giving  me an amount to pay the car off including repossession fees. At this point, I have the name of the impound lot, but I can not get in touch with them. My car is going to be auctioned off on XX/XX/XXXX. I believe that the storage facility violated Section 3958 of the SCRA and several other state and federal laws and that GM Financial also  violated section 3952 of the SCRA. GM Financial refused to provide me information on where my vehicle was located or any information about the repossession until XX/XX/XXXX stating that I had not " applied '' for my SCRA rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau failure to reply to 30 day complaint notice. Equifax, XXXX XXXX Credit Bureau listing in actual information that do not belong to my.
Product: Payday loan, title loan, or personal loan

We purchased new HVAC system for our home the end of XXXX and received a loan to cover the new HVAC. Payments started XX/XX/XXXX and monthly amount was {$160.00}. Our account with EnerBank is billing account XXXX. We missed one payment in XX/XX/XXXX ( which we regret ) but could never go and make that payment. They added {$80.00} ( interest fee to the loan ). We also noticed they closed the account ( Credit report ) sometimes during XXXX XXXXXXXX and I know the company was purchased by Regions Bank ( I believe at that time also ). At this time, this account still shows closed under my credit account. 

We have noticed weird things happening to our account throughout the XXXX, this year we set all the payments to go automatically so we would not miss any payment due on XXXX each month. XXXX, XXXX, XXXX payments were made on time automatic withdrawals. 

This month XXXX we received an email that in XXXX ( double the amount would be deducted {$320.00} ), but we owe only {$160.00} each month. I tried to call the company in XXXX when we realized we missed one payment, their system doesn't allow for multiple payments. Their system is very consumer unfriendly. We need someone to look into them and clarify, if this was a loan, or it was a credit card. As I mentioned, things are weird and I believe there should have been more paid off by now, but isn't. Thank you for looking into this. Attached are screenshots to support my complaint. 

XXXX XXXX XXXX, or spouse XXXX XXXX ( XXXX ) P.S. : XXXX was calling about missed payment in XXXX but they did not want to talk to her, since this was under my name. She provided all the information, she got me on the phone to give permission to EnerBank talk to her and the customer service hang up on us in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

All student loans with XXXX and XXXX DEPT OF EDU are all fraudulent.
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. 

Account name : XXXX XXXX Account number 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.