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

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX from XXXX IN. for the amount of XXXX opened on XX/XX/2022, 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.
Product: Credit reporting

My Student loan, agree to remove the negative items from my record, but the credit agencies did not remove it. I have sent them certified mail, no response Please see the department of Education letter clearly stating that these items need to be removed. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX  XXXX Balance : {$400.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX  ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$80.00} XXXX  XXXX  XXXX Balance : {$1100.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I just received a phone call ( XX/XX/2023 at XXXXXXXX XXXX EST ) from a supposed debt collector where they asked for my location information and gave me a different number to call them back on. I have been getting these calls several times a week, always a different number, and I am getting tired of the harassment. The number they gave me to call is XXXX and the number that came across my caller ID is XXXX and is listed as XXXX XXXX, NY.
Product: Debt collection

I thought this was illegal in the state of california? 

This is from a medical debt in XXXX from a car accident ambulance ride. This was PAID with my XXXX XXXX card back in XXXX. This was PAID. I have made a request to XXXX to obtain my statement from XXXX. They are working on my request.
Product: Checking or savings account

XXXX  dollars of  XXXX  dollar deposit held for 10 days. Account intentionally overdrafted on the bank 's processing day. I have not used my account since Friday and I wake up and I 'm overdrafted almost 100 dollars on Tuesday which is the day they do the processing. How can I be positive all weekend through Tuesday then suddenly I 'm overdrafted 80 something dollars and no use of my account. It 's impossible. They decided arbitrarily to hold 80 % of the deposit. The first agent lied to me and said the deposit was NSF and this was why they held the funds. I conference in my dad who made the   XXXX   dollar deposit from his account and then they denied that was what was said and the check was fine. The supervisor   XXXX   kept muting her phone and laughing. After she came on she denied the deposit was NSF. I have no idea which end is up or what 's going on. Is it NSF? Or they are holding   XXXX   dollars for 10 days because I 'm overdraft. I think they are taking advantage of the fact that I just filed for bankruptcy and they feel they can do whatever they want with my money because I have no options right now, and I 'm extremely poor as well so I ca n't protect myself. How can I live on less than 100 dollars for 10 days? Who could? Nobody. I do n't know what to do. Please help me! I 'm in a complete crisis and do n't know what to do. If I would have known this was going to happen I would have only deposited the exact correct amount and asked my dad for cash. This is wrong. I 've been completely scammed and tricked and taken advantage of. These crooks have stolen my money.
Product: Credit reporting

This is a follow up from a previous complaint to insure proper, final resolution. 
Please find enclosed documentation from XXXX XXXX XXXX regarding a long disputed account I 've had with them. This account has been misreported in recent years by them and subsequently the credit bureaus, which has harmed my ability to obtain credit. 
I 'd like to address XXXX issues that should be updated and corrected per the information contained in the BofA letter. Due to my multiple disputes throughout this year, it appears the account has been repeatedly updated to reflect it as charged off but appearing to be something that is newly reported when in fact it was charged off XX/XX/2012. There should be no other charge off information noted to the account other than 2012. Additionally, the letter clarifies that there is no balance owed ( this has long been reported with a balance of {$21000.00} ). 
It would appear that because of these continual challenges and " updating '' that the account event status was reported as recent and not when originally occurred ( 2012 ). It would appear that this has had a direct impact on my reduced XXXX scores since I have no other recent derog credit, my current account balances have been dropping and all of my payments have been made on time. Please research this as well and make any account updates necessary to restore the accuracy of when events with this account took place ( charged off in 2012 and not recently as well as {$0.00} balance owed ). Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was a result of medical services with the original creditor, XXXX XXXX XXXX. After application and review by the original creditor ( XXXX XXXX XXXX ) it was determined that I was not the responsible paying party and had no liability for this debt and as such it was paid by Insurance or other Government Agency and therefore as I had no obligation for this debt so no collection would exist. 

According to my records, the original creditor recalled this debt from collection agency with instructions to close the account in the collectors office and to remove any item that had been placed on any credit reports. Instead they just closed it and continue to report it on my credit report. it should be removed and not merely updated as a Paid Collection. 

On XX/XX/2018, I mailed to XXXX XXXX XXXX a letter ( attached ) in which I disputed this account and requested that it be removed from my consumer credit reports that they had reported to. I never received a response from this company. 

On XX/XX/2018 I initiated a direct dispute with TransUnion requesting that this item be removed as it was paid by INSURANCE directly to the Original Creditor. 
TransUnion responded that the collection Agency XXXX XXXX had verified this account as being reported true and accurate and so it would remain. 

It is my belief that neither party did a meaningful and complete investigation into this matter because if they did they would have removed this false, inaccurate and misleading account as I was not the responsible paying party. 

As this was paid by Insurance or other government agency directly to the original creditor and the original creditor has determined I am not the responsible paying party this should be deleted from my Consumer Credit report and not just updated to show a paid collection. 

In addition after my dispute directly with TransUnion, the furnisher of this information XXXX XXXX went in and done an update to my credit report and marked it as a closed derogatory account and changed the close date to reflect XX/XX/2018 in order to make this account look like a new closed collection in a further attempt to damage my credit rating and cause me to suffer financial losses by having to pay higher interest rates. I want this removed from all credit reporting agencies.
Product: Credit card

I applied for a Capital One Savor card on XX/XX/XXXX. Application ID XXXX. Once I applied, I was prompted to upload bank statements and proof of income. I uploaded the requested documents the same day XX/XX/XXXX. I called Capital One on XX/XX/XXXX at XXXX to get an update. I was advised that my bank statements were accepted. I asked the rep. what other information was needed and she advised me that they had all the documents they requested and that I should wait a little longer for the approval or denial. I called again on XX/XX/XXXX and spoke to a rep. overseas, she couldn't give me any answers so I requested to speak to a rep. in the United States. I was given a different phone number XXXX. I spoke to a rep who still couldn't give me an answer, she was even confused as to why my application was neither approved or denied. I stayed on the phone with her for over 50 minutes. She advised me that she was sending an email to her manager to find out what is the delay in my application. Today is XX/XX/XXXX, and I still do not have an answer. I recently saw that Capital One is being sued by the Federal Government. I am concerned about my sensitive bank account information that I provided Capital One. It has never taken almost 2 months to get either an approval or denial for a credit card. I would like a response from Capital One.
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  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX/XXXX  Account Number : XXXX has violated my rights. 

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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

On XX/XX/XXXX I brought a XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX  XXXX, I had just joined the XXXX and was heading to XXXX XXXX, XXXX to be XXXX. Within the first week of having the car, I had to take it back to dealership five time to get work done on it. I got tired of doing that I contacted their big man in charge, he informed me that they were not suppose to sell the car because it was n't ready to be sold, on top of that, the Lady who sold the car to me which later I found out fired, told me that I had GAP insurance and come to find out I didnt, the reason she got fired was because she did alot of lying. I currently still have the car. I have tried to do numerous times to get them to work with me and they never would. In XX/XX/XXXX, I got XXXX in XXXX, XXXX, I have my mother Power of Attroney for my car after I tried to turn the car back in after having some many issues with it and I was told I can not turn it in, and they would contact my commanding officer of my command if i did. So while in XXXX my mother had POA because we would be on XXXX alot and communication is not the easiest, they did not want to talk to my mother so they wasnt receiving payments because they did not want my mother doing it and they wanted to talk to me which was impossible. While on XXXX about a year, Automotive Service Finance decided to set up a court date and we turned in all paperwork stating I was on XXXX and that I could not come to court for missed payments, so they garnished my wages and currently is still garnishing my wages for the full amount of the car not just the past due which totally incorrect. From my knowledge, if someone is on XXXX and can not make it to court they can not do that and that if my wages are being garnished they are responsible for providing me with a monthly statement of how what my balance is and I have yet to receive one in the year that they have been garnishing my wages. Everyone I have spoke to about this company talks about how unprofessional they are how they just try to get over on service members. Please help me, they are ruining my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my credit report Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC Reporting account that shouldn't be on my report. Incomplete Collection Account and Unknown. Incomplete accounts shouldn't be on my credit report per federal law. XXXX XXXX? incomplete and inaccurate.
Product: Student loan

Every now and then when I make a payment to my student loan account with UNISA, the payment never reflects as being posted to the account. 
I have to contact them and let them know that a payment has been made and that my balance has not been affected. At first I was told that this was an issue with the new site. 
Although this has happened several times in the past. When I e-mail them to see what my balance is they tell me it is a balance that does not match up with what the site reads. 

Sometimes the payment that I have made will show up on the site, it just wo n't affect my balance until I reach out to them. 
Sometimes the payment does n't ever show up on the site until I have to e-mail them to follow up. Every time I reach out to them they swear up and down that everything looks good on their end. 
But the information that they have never matches the site. Something is definitely going on over there. Either someone is manually entering everything on this site or these people are trying to steal from XXXX students that do n't pay attention to their finances. 

Please Help
Product: Credit reporting or other personal consumer reports

Verify this account, as it does not belong to me. I do not recognize it and I am concerned about potential fraudulent activity. 

XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Account Number : XXXX TransUnion XXXX XXXX / XXXX
Product: Debt collection

I am writing to ask you to STOP it with all the harassing to calls to myself, my employer ( which can and will get me fired ), and to any and all family members near and far. I have been receiving multiple calls daily, as well as, have people in my husband 's family, my dad 's family in which we are estranged from, co-workers, and my elderly grandparents. The caller, XXXX on some occasions, has not only violated my rights by telling third parties about my debt, but has also been telling straight out lies to those other people she has been calling, saying that I gave her that number to contact me with. That is just illegal. If these calls to myself and others do not stop ASAP, I will be getting an attorney and filing charges against your company. I will be mailing your company a hard copy of this letter. I hope that the next time I hear from you guys, it will be to tell me that you will stop calling.
Product: Credit reporting or other personal consumer reports

I contacted XXXX on XX/XX/XXXXXXXX  to exercise my right to opt out of the disclosure of my nonpublic personal information to all third parties including consumer reporting agencies, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and TransUnion. Per 15 U.S.C. 6802 and CFR 313. 

Reporting my personal information is also a violation of my rights under the Privacy Protection Act of 1974. 

This opt out is to be effective immediately and indefinitely. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : ( 1 ) Under section 1818 of title 12, by the appropriate Federal banking agency, as defined in section 1813 ( q ) of title 12, in the case of ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ;
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has turn me over to Credit Collection Services after I paid them on XXXX I understand that things happen and things get missed but this a big mistake. It has been 8 months now and and they reporting this to XXXX  and XXXX  in XX/XX/2021 How? Why? it's even clear my bank on XX/XX/2021 so this bein reported 7 months later is not right or legal. I hope you can help me with and get this remove from my reports. 
I have attached a copy of my bank statement for XX/XX/2021 so you can see that it was takin out on XXXX of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number was stolen and has been being misused. The name of the individual that has misused my social security # is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The following accounts need to be removed immediately. It is fraud!!! 

XXXX/XXXX XXXX XXXX {$570.00} Opened XX/XX/2018
Product: Payday loan, title loan, or personal loan

The inquiry was made on XX/XX/17. The loan amount was {$4900.00} at a interest rate of 58.65 %. I was coming out of a divorce trying to make ends meet. I have called several times trying to get refinance or even a settlement option. Everyone that i spoke to gave me and answer saying that don't know those options or the system will tell us when your eligible. I have been paying on the this loan for over a year and still owe {$4000.00}.
Product: Other financial service

We had a lot of debt with credit cards etc and were sold a plan with Global Solutions and XXXX Law firm to consolidate our bills. Up until that time we were never, ever late on a payment. Due to illness we thought by consolidating we could pay less monthly and pay off the debt. What we did n't realize was that they would take all their fees up front before ever negotiating with the creditors causing our credit rating to slump and even getting a judgement. On top of that after only a few payments they raised the monthly payment to over {$1000.00} for a year. Then XXXX of the creditors forgave a large amount which resulted in receiving. A XXXX tax form so we had to pay {$4200.00} to the IRS.