23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX DEBT EQUITIES # XXXXTo Whom It May Concern, The reason for my dispute is XXXX XXXX  XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) JH PORTFOLIO DEBT EQUITIES failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation JH PORTFOLIO DEBT EQUITIES is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. 
FDCPA I fail to see where JH PORTFOLIO DEBT EQUITIES is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT : XXXX XXXX was granted a judgement against me. 

Status and information is incorrect. 

The company agreed to settle the account and remove the debt from my credit reports after the settlement was paid. 

I paid the amount agreed upon in a lump sum but account has remained on my Credit Reports.
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, 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 an 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 or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT XXXX, and I'm including it once more. Please don't ignore my request to delete these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled out all of my information, then it said our system is down call a number. I call and the guy wants all of my information and he is out of the country. Then, I did again the free credit report and filled out all of my information and it wouldn't work there either. So, no credit report at all. XXXX XXXX XXXX again not working. My information is perfect and I won't be giving it to some guy in another country over the phone. This is ridiculous.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent a XXXX dollar payment to my Paypal credit account. Unexpectedly a great portion of these funds were applied to a " XXXX equal payment purchase '' rather then to my purchases which had either interest or deferred interest. I have called, chatted and emailed with PayPal to attempt to reallocate the payment, but this has not been done despite assurances that it would be completed.
Product: Debt collection

I am not aware of this debt. Possibly the result of identity theft. It is adversely affecting my credit.
Product: Debt collection

Medical Data System and XXXX XXXX XXXX are violating my rights and the law by reporting a medical bill under my social security credit device without the proper authorization to do so. I requested a copy of my HIPPA release form authorizing Medical data system access to my medical file by gotten no reply in that regards yet, they continue to reporting account # XXXX under my social security credit device ending in XXXX. 
Furthermore, this account is not mine because I have never been to the XXXX XXXX XXXX. I have called them and furnished my personal information and they had no records of me visiting or utilizing services from the facility.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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


UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/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 of 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

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly.XXXX XXXX XXXX XXXX DXXXX 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Goodwill Adjustment on Capital One Late Payments and Charge-Off Dear Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX to file a formal complaint against Capital One regarding the reporting of late payments and a charge-off on my credit report. These issues date back to XXXX, over XXXX years ago, yet they continue to affect my XXXX XXXX and hinder my ability to secure funding for my businesses. 

Details of the Complaint : - Company Name : Capital One - Account Number : XXXX - Date of First Delinquency : XX/XX/XXXX - Charge-Off Date : XX/XX/XXXX - Late Payments Reported : XXXX ( from XX/XX/XXXX to XX/XX/XXXX ) Due to financial hardship in XXXX, I fell behind on my payments after losing XXXX of my XXXX jobs and working for {$12.00} an hour at XXXX XXXX XXXX XXXX Despite my best efforts, I was unable to keep up with the payments, leading to late payment reports every month from XX/XX/XXXX until XX/XX/XXXX, and eventually resulting in a charge-off in XX/XX/XXXX. However, I eventually paid the balance to Capital One, and the account was closed. 

Since that time, I have worked diligently to rebuild my credit and have maintained an impeccable payment history. My XXXX XXXX has now reached XXXX and is continuing to climb. In addition to my accounts with Capital One, all of my other credit card accounts are in good standing, and I recently paid off my car loan early. I currently have the following accounts with Capital One, all in good standing : - {$6000.00} Personal Credit Limit - {$6600.00} XXXX XXXX XXXX - {$7500.00} Personal Credit Limit - {$600.00} XXXX XXXX XXXX - {$2000.00} Business Credit Limit In addition, I hold both a checking and a savings account with Capital One, all of which are in good standing. 

Request for XXXX : Given my improved financial situation, my spotless payment history since the charge-off, and my early payoff of a car loan, I requested a goodwill adjustment from Capital One to remove the late payments from my credit report. Unfortunately, my request was denied. 

I kindly request that the CFPB assist in resolving this matter by ensuring that Capital One reviews my request for a goodwill adjustment and updates my credit report to reflect my positive payment history. These late payments from over XXXX years ago should no longer be impacting my ability to grow my businesses. 

I have attached a copy of my credit report for your reference. 

Thank you for your attention to this matter. I hope for a prompt resolution that accurately reflects my current financial standing. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 government/federal agencies over XXXX student loan accounts were closed in my name because the servicer contracts werent renewed. These loans were transferred to a new servicer/bank and therefore they reflect over XXXX new inquiries on my credit report. My credit score dropped XXXX points over night. I didnt close these accounts personally. The contract with the servicer ended and this is out of my control that new inquiries were made on my behalf without my consent and my credit score is penalized over XXXX points as result. This isnt fair or just.
Product: Checking or savings account

On XX/XX/2023 I contacted American Express to close out a small low interest earning CD that has not reached maturity date. I was instructed to submit a form via fax or mail to close out the account. I faxed in my request on XX/XX/2023 indicating I wanted to close out the CD and have all funds transferred to my American Express High Interest savings account. 
I have called at least 3 times and faxed in my form numerous times. As of today, XX/XX/2023, the funds have not been transferred. When I called yesterday, I was told it could take up to XXXX more days. This is unacceptable for an internal transfer between accounts at the same institution. I don't know of any bank that would allow me to use their money for any length of time without charging me daily interest. I am losing money each day that I am not allowed access to my funds. 
I would appreciate any assistance in getting my funds transfered. My phone number is XXXX. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

After depositing a check from the U.S. Treasury ( social security ) into PNC bank on Monday, XX/XX/year>, at approximately XXXX, I started to experience problems. At first, it seemed normal, the pending time was longer than usual but not outrageous. The check posted to my account at approximately XXXX or XXXX that same day, but then PNC put an extended hold on it and never notified me about it, the app didn't even indicate any kind of hold. After speaking with customer service numerous times, I was still getting no where because they had claimed that there was only a note saying, " contact the Detection & Resolution Unit, '' nothing else. I then visited a PNC branch off XXXX and consulted a bankteller, only to be told there was nothing they could do. I contacted the Detection & Resolution Unit that same day, to be told the exact same thing, that there's an extended hold on the check deposit, but also that they didn't know when MY funds would be available for ME to use. And that's it, I got the runaround from in-app customer service a couple more times and nothing changed. At the date I am writing this, it is currently XX/XX/year> XXXX ET and there's no signs of my funds being released to me. To my knowledge, it is unlawful for any bank to posses/hold a government check any longer than the end of the business day after the deposit day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureau to verify information. They sent me back a copy of what they had on my XXXX account. 

The high credit ; credit limit ; last date reported ; last date active ; and date of last payment are all different on each of XXXX and Equifax credit reports. 

I have a copy of what I received as validation and proof dated XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX  Account # : XXXX. 

XXXX XXXX Account # : XXXX. 

XXXX XXXX XXXX Account # : XXXX. 

XXXX XXXX XXXX XXXX XXXX  Account # : XXXX. 

XXXX XXXX XXXX Account # : XXXX. 

XXXX XXXX XXXX Account # : 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: Credit reporting or other personal consumer reports

There are XXXX  unauthorized credit inquiries that I would like removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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
Product: Credit reporting or other personal consumer reports

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an ID theft report. find the required documents to assist in the blocking of the erroneous information which are being posted to my report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XX/XX/XXXX XXXX XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$820.00}
Product: Credit reporting or other personal consumer reports

This would be my 6th dispute letter to the three ( 3 ) major credit bureaus because my previous letters were left unanswered and unresolved. I have repeatedly advised them with all honesty that these reported accounts below were found to be inaccurately reported on my credit files. I want these to be fully eliminated on my record as it greatly affects my ratings, which gives me the inability to file for a new credit line. 
XXXX. XXXX - Account # : XXXX XXXX. XXXX XXXX - Account # : XXXX XXXXXXXX XXXX XXXXXXXX - Account XXXX : XXXX Kindly help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on PORTFOLIO RECOV ASSOC Original creditor : XXXX XXXX XXXX  XXXX XXXX.. XXXX XXXX, reporting must be XXXX XXXX accurate or the information must be deleted. 

PORTFOLIO RECOV ASSOC ( Original creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've reached to Experian in regards to name correction. I spoke with a rude rep on Friday XX/XX/XXXX2017 at XXXX she was very rude and refused to dispute the incorrect information on my report as I advised it needs to be updated for a job. She refused to do so. I asked to speak with a supervisor she placed me on an intensive hold. The information reported on my personal information is incorrect, I 've never went by the name of XXXX XXXX, XXXX XXXX nor XXXX XXXX. All of that information is incorrect and needs to be removed.
Product: Student loan

MOHELA has been confusing to work with since the start of loan repayment. They also do not allow payments made XXXX  days in advance to count for the next upcoming payment. I wanted to pay off a few months in advance, but was unable to do so. However, the main issue right now is the following : On XX/XX/XXXX, I received an email from MOHELA saying that my payments from XX/XX/XXXX to XX/XX/2023, would be counted toward my future payments. I had already made {$590.00} in payments during that time, and my monthly payment is {$430.00}. 

On XX/XX/XXXX, I received a bill saying that I owe {$430.00} by XX/XX/XXXX. This doesn't make sense. My XXXX bill, and {$160.00} of my XXXX bill should be covered by my past payments. I wrote to MOHELA -- since it is virtually impossible to get through to anyone on the phone -- that I want my payments applied properly to my future payments or to send me a refund so that I can pay my XXXX bill on time. I would prefer if they simply applied my payment to future payments. 

MOHELA did not take either of these actions. Instead, they called and left a voicemail asking me to call back. Again, it is virtually impossible to get through to anyone on the phone, so this situation has been left unresolved. 

MOHELA has been an absolute nightmare to work with, especially during this transitional period back to paying student loans. MOHELA should not be permitted to require any due payments until they have worked out their many issues, as they are causing a great deal of financial stress on loan payers who are already XXXX.
Product: Checking or savings account

Opened a savings account with Citibank early 2021. On my bank statement, it shows 2 accounts. Not sure who owns the other account. But I can see its balance and all transaction details. It bothers me tremendously to image someone else might have the same access to my account info. 

Called Citi, they routed to IT department, and no one ever answered. Called again told them this is a serious confidentiality violation. The representative just told me he knows nothing and transferred me to IT department again, where I waited 20mins. No one ever answered the call.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00}