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

This account XXXX XXXX  should not be reporting on to my credit report I have agreed to pay this account off and have one payment but they are still reporting this inaccurate account on my credit reports XXXX XXXX is violating many on my consumer rights Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. XXXX XXXX  I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days
Product: Credit reporting, credit repair services, or other personal consumer reports

I need legal assistance i don't know what to do. This is for another job That required a background check. The same company I complained about before, Checkr. They closed the case and didnt fix the issue. So now another job i applied for asked for a background check and the same 2 wrong addresses are on my background check!!!. I have had identity theft and I really need help. Its going on for years and I know who did it, sold my information, ( ex ) but no ones helped me except me and its taking a lot out of me and a lot out of my credit score and life in general. Here is my last complaint. This complaint is the same but different job i applied for Last complaint closed without fixing XXXX CLOSED YOUR COMPLAINT I have had identity theft that I recognized starting in XXXX. Not receiving mail, accounts taken out in my name. Contacted postmaster general, got response then nothing. Have files of paperwork that is WRONG. Never could Get to the bottom of this.Computer expert concluded my ex had sold my name and info. as well as my kids. Filed an identity theft report in XXXX County in XXXX which they lost I am ON file with the IRS as an identity theft victim. I believe it involved my then and now ex husband XXXX XXXX XXXX XXXX MI XXXX XXXX - but since I'm just a small person, no one cared. I just got a background check for Instacart and now I know what I knew before but couldn't prove. There are Two addresses in two states that I have never lived in claiming to be mine. I have NEVER LIVED IN NEW JERSEY OR NORTH CAROLINA. How do I correct this information and get it expunged as I know it's probably too complicated to get to the bottom of this. It has affected my life greatly. I will attach the report if possible. Thank you. XXXX XXXX ( went back to my maiden name hoping I could clear up my credit ). Former names XXXX XXXX, XXXX XXXX XXXX responded ( and didn't help at all! ) STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Hi XXXX, Thank you again for contacting Checkr. There are many factors that drive which jurisdictions are included in the scope of service provided to requestors of background reports. Checkr does not choose but instead is directed by the requestor. However, we believe that consideration is given to data reported by various data sources and is sometimes dictated by law or regulation. Checkr is a consumer reporting agency that provides background check reports. Checkr does not assess your qualifications or determine the requirements or criteria on behalf of the party you applied with. The party you applied with, not Checkr, would review the information you submitted and make the final decision regarding your background.
Product: Credit card or prepaid card

Filed complaint # XXXX regarding issues closing my account. Found Barclay business practices deceptive and inconsistent with standards at other banks and requested my accounts be closed in avoid complaince hassles and deceptive communication. 

I was called by someone in the office of the President and she verified and apologized for the behavior of the rep over the phone by not permitting me to close my credit cards without submitting my IRS tax returns. She informed me my accounts will be closed and fee refunded. In addition, I pointed out to her my access to my acocunt online was restricted and I could not review account information nor change any payment methods to pay the final balance. She informed me that my {$99.00} account free would be refunded on Barclays letter on XX/XX/XXXX as part of their response acknowledges this. 

On XXXX XXXX, I was notified by email from Barclays ' ( attached ) that they withdrew {$99.00} from my bank account. This is inappropriate, against what they stated and likely illegal. They might blame their poor IT, but they need to fix their internal issues with IT and compliance to be more consistent with other banks and consumer friendly. 

Consumers are spending way to much time with banks like this harassing them and abusing terms as well as not doing what they say they are going to do. So I am filing yet another complaint due to the {$99.00} fee withdrawal that was impossible for me to prevent, which i proactively attemtped to head off, which Barclay 's acknowledged would be refunded, but in the END, they still took the money and likely violated the law by doing so.
Product: Debt collection

Ive reached out to the company via the bureaus requesting validation of the accused debt. The company have not responded to my request of validation and is currently reporting inaccurate information and debt amounts on my reports.
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 XXXXccount XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX XXXXXXXX Account XXXX Account name : XXXX  Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX  Account XXXX has violated my rights. Or 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 have sent a pay for deletion letter to the company on XX/XX/2020. Ive stated a request to fully pay the charge off amount in return to delete the account completely from my credit history. Until now, I have not received any letter or any response. I would like this resolved immediately as I am trying to build my credit score towards a home loan. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX This medical collection is also showing 3 different account numbers on all three bureaus. 
# XXXX # XXXX # XXXX, has violated my rights. 

1

5 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act, XXXX  Account XXXX XXXX  XXXX XXXX account number # XXXX ( {$1500.00} ), Has violated my rights. 
15 U.S.C. 1681 section 602 ( a ) : states I have a right to privacy.

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

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the account stated above .Also, I contact the bank thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report. 

XXXX XXXX XXXX
Product: Debt collection

Please see attached documents, In the same exact letter J Ritter stated that they reached me in attempt to Collect a debt owed and that All written communications are from an attorney
Product: Credit card

Unfortunately, I have been a victim of fraud and my information has been compromised on the dark web. I was recently XXXX  from XXXX of XXXX until XXXX of XXXX. When I was first XXXX I had a XXXX balance on this account. Upon being released from my XXXX my account was closed and there were no funds available in my account. I informed the credit card company that there was no way that I could have made transactions at this time because of my XXXX  and somebody had assumed my identity during this period ; additionally, I provided the company with proof of XXXX  and documentation illustrating these facts. However, the credit card company still has not resolved this matter and have denied my claim stating that I had made the transactions. This is untrue as I have not given anyone permission to access my accounts and funding. The company has defrauded and this has destroyed my credit, causing me undue hardship.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Veros Credit XXXX XXXX XXXX and Payment Issue Description : I am filing this complaint against Veros Credit due to a repeated issue with my auto loan account. On XX/XX/year>, I paid the remaining balance of {$150.00} on my account ( # XXXX ), bringing the balance to {$0.00}. The due date for this payment was XX/XX/year>, but I paid early to ensure my account remained current. 

However, on XX/XX/year>, my account unexpectedly showed a full car payment due once again. The automated system also confirmed this incorrect balance when I called in. I have proof of payment and screenshots showing that the balance was XXXX as of XX/XX/year>. 

This issue follows a previous XXXX XXXX  of my vehicle on XX/XX/year>, despite my payment being made on time. That incident caused significant distress and financial burden, as I was forced to pay fees to retrieve my vehicle. 

I have attempted to resolve this current issue by contacting Veros Credit via email on XX/XX/year>, and I plan to follow up by phone as soon as their office opens. I am deeply concerned that this incorrect balance may result in a negative impact on my XXXX XXXX, which is already a priority for me to rebuild. 

I am seeking the following resolutions : XXXX. XXXX correction of my account balance to reflect the {$0.00} balance as of XX/XX/year>. 


XXXX. Confirmation that my account will not be reported late to the credit bureaus. 


XXXX. XXXX that Veros Credit will take steps to prevent similar errors in the future. 



I am including screenshots and payment confirmations as evidence of my timely payment and the erroneous balance. 

Thank you for your assistance in resolving this matter. 

Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX I called USAA to reach a representative The Automated Voice Line always answers. This automated line responds to my TV in the background ALL THE TIME sending me WHO KNOWS WHERE AND AUTOMATICALLY DOING WHO KNOWS WHAT. Clearly, USAA should be held accountable for their automation issues. I confirm, I spoke to USAA XXXX XXXX, requesting she remove my SUNTRUST PROFILE INFO AS I WILL NOT BE MAKING ANYMORE PAYMENTS. and Payment was Made. Jury would have no trouble drawing their own conclusion to JUSTICE and so should USAA. USAA STOLE MY SOCIAL SECURITY MONEY FOR 3 MONTHS. In addition USAA COLLECTS ON CARD XXXX I DEMAND PROOF OF ACTIVATION DONE BY ME THAT IS IN MY POSSESSION. WHAT DATE AND HOW WAS IT ACTIVATED.? And in Addition USAA HAS NO RIGHT TO ** DENY ME THE RIGHT TO REPORT IDENITITY THEFT. USAA IS VERY DISHONEST AND PRACTICES ABUSE OF POWER. I WANT TO SEE USAA FRAUD INTERNAL CREDITS APPLIED TO MY BALANCE THAT ARE HIDDEN FROM ME. I MUST ACCEPT THEY ARE RIGHT WITHOUT SHOWING FINANCIAL PROOF Temporary Credits USAA mentions WERE NEVER MADE PERMANET OR ADDED TO TOTAL CREDITS for this period on truth in lending statements.
Product: Mortgage

Since XX/XX/XXXX, I have been consistently paying half my mortgage payment every 2 weeks. The amounts would go into a suspense account, and then when the funds reached the amount ( or more ) of my monthly payment, they would properly apply the amount to principle, interest, and escrow. 
Starting on XX/XX/XXXX, PHH Mortgage has been applying my partial payments directly to the principle of my mortgage loan ( without going into a suspense ) even though the balance of the suspense account would have been more than my monthly payments. I even made a full payment ( exceeding my monthly payment ), and they incorrectly applied that directly towards principle. Apparently if they do n't receive the EXACT monthly payment amount, they have no idea what it 's for and they put the amount towards principle, even though there has been absolutely nothing I said about a " principle payment only ''. Obviously I 'm not going to be making principle only payments if I have n't even paid my monthly payment. 
They have also incorrectly applied somebody else 's weird payment amounts to my account, payment amounts I have never ever made. They have since deducted those amounts from my account, but it simply astonishes me that they ca n't even apply someone 's payments to the proper account. 
I feel like this kind of business practice is predatory and designed only to get the consumer in trouble. I ca n't believe they treat their customers like this, let alone a military veteran like myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Bank instead of completing an investigation is engaging in illegal retaliatory tactics and trying to punish me and I would guess other consumers as well for exercising rights under FCRA, this account information is older than 7 years old, Discover also illegal allowed me under XXXX to open this account and gave me a credit limit they were very well aware that I would not be able to afford paying back. I am XXXX XXXX XXXX and this account is older than 7 years, if I still need to be held accountable for this maybe we should also go back 7 years and investigate why Discover thought it was appropriate to give an XXXX XXXX XXXX still in XXXX XXXX a credit limit of {$1000.00}. I have filed a complaint at XXXX XXXX XXXX as well as they are now making my credit scores drop with their predatory practices. There is no outstanding balance on this account either.
Product: Debt collection

As per your response to my complaint date on XXXX,, you responded back on XXXX you stated there were no violations that took place, based on the attached invoice attached and demand for payment. You also claim the is no validity to my claims, please see all 14 violations found on your notice that you mailed to me. PLEASE SEE ATTACHED COLLECTIONS LETTER FROM YOUR COMPANY.

15 USC 1692 ( B ) ( 4 ) not communicate by post card ; 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

15 USC 1692. ( C ) ( A ). Without prior consent a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. Affiant never lived in this state. 


15 USC 1692 ( D ) ( 2 ). The use of obscene or profane language or language that natural consequences of which is to abuse the hearer or reader.

15 USC 1692 G ( A ) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing, the amount of the debt, the name of the creditor to whom the debt is owed.

15 USC 1692 ( E ) ( 1 ). A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that the debt collector is vouched for, bonded by 15 USC 1692 ( F ) ( 8 ) ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.

Based on this law I can collect these damages 15 USC 1692K. Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of, any actual damage sustained by such person as a result of such failure : in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose!!
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding inaccurate information reported by XXXX XXXX XXXX on my credit report. Upon reviewing my credit report, I noticed that this account shows a late payment that is incorrect. Specifically : 1. The account reflects a late payment on XX/XX/XXXX 2. This account was, in fact, paid on time and has been fully paid off and closed. 
Attached bank statement shows that I paid on XX/XX/XXXX The consumer reporting agencies are obligated to report all information with complete accuracy. The reporting of this account as late is misleading, harmful to my credit profile, and in violation of the Fair Credit Reporting Act ( FCRA ). I have attached a copy of my credit report, dated XX/XX/XXXX, highlighting the inaccurate information for your review. 

I respectfully request that you investigate this matter and work with XXXX XXXX XXXX and the relevant credit bureaus to ensure the payments are correctly updated as paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have hard inquiries that need to be off my credit reports. This is getting ridiculous that I have sent multiple letters. These are old inquiries, please take them off my credit reports. It is making my credit look bad as I'm trying to purchase a home. They should be off by XX/XX/2022, that is XXXX XXXX XXXX. NOT XX/XX/2022. They were also not suppose to even be on my credit report as XXXX XXXX XXXX submitted all these car dealerships/banks without my consent. This is against the law. All I want are these hard inquiries to be deleted like they are suppose to be. I am begging you to have someone delete them! PLEASE.