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

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy has been on my report 10 years and should be removed
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCER, I am writing to formally dispute a charge-off entry on my credit report, which I believe is inaccurate and not compliant with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliancy requirements. 

The inaccurate entry is as follows : Acct Name : XXXX XXXX XXXX Account # XXXX Date of Charge-Off : XX/XX/XXXX Acct Name : XXXX XXXX XXXX XXXX Acct # XXXX Date of Charge-Off : XX/XX/XXXX Acct Name : XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Charge-Off : XX/XX/XXXX Acct Name : XXXX XXXX XXXX  XXXX Acct # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Acct Name : XXXX XXXX XXXX Acct # XXXX Date Of Charge-Off : XX/XX/XXXX I dispute this entry on the following grounds : 1. XXXX Inaccuracies : Pursuant to the FCRA, creditors are required to report accurate and complete information to credit bureaus. However, the information provided regarding the charge-off is inaccurate. I have not received proper documentation or validation of this debt, and I dispute its validity. 

XXXX. Lack of Notification : The FCRA also mandates that consumers be notified of any negative information reported to credit bureaus. I have not received any notification regarding the charge-off in question, which is a violation of my rights under the FCRA. 

3. XXXX XXXX Compliance : The XXXX XXXX Reporting Guidelines outline specific requirements for the reporting of consumer credit information. I believe that the creditor XXXX have failed to adhere to these guidelines in reporting the charge-off, thereby rendering the entry inaccurate and non-compliant. 

I request that you conduct a thorough investigation into this matter in accordance with FCRA regulations and XXXX XXXX compliancy requirements. If the investigation confirms that the charge-off entry is inaccurate or non-compliant, I request that it be promptly removed from my credit report. 

Please provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX
Product: Credit reporting

I am disturbed that TransUnion continues to list the dismissed bankruptcy as confirmed within my credit file. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, TransUnion has no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, TransUnion must delete this information from my credit report and send me an updated copy when this action is completed. 
Considering that this does not require an investigation, I would appreciate an immediate response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which makes this unfair practices
Product: Credit reporting, credit repair services, or other personal consumer reports

Their is a loan from GM Financial that was closed in XX/XX/XXXX, and there was a late payment made in XX/XX/XXXX. XXXX  and XXXX are showing the accurate information, but on my XXXX report it shows the account was closed XX/XX/XXXX, a late payment in XXXX of XXXX, and then it shows payment history 'OK ' all the way to XX/XX/XXXX with another reported late payment. They continue to update the account at XXXX, and will not removed any of the data after XX/XX/XXXX ( when the loan closed ), so it is showing that I have a late payment on the account a year after it was closed and paid in full. I have asked GM to fix it but they state they are reporting correctly ( this is why the other two CBs are showing accurate information ), but XXXX  continues to tell me its correct and they do nothing to fix it even though it clearly shows the account was closed - paid in full in XX/XX/XXXX. So now it looks like I had a late payment in XX/XX/XXXX on that account and only on my XXXX report. This prevented me from getting a home loan, and I am not sure who else to go to have this fixed. They are clearly violating FCRA rules and they do not care.
Product: Credit reporting or other personal consumer reports

I have sent two attempts to rectify an account that resulted in identity theft. The original creditor has released liability but the creditor isnt budging even with correct documentation.

I personally dont have identification as I was incarcerated so I do not currently have any ID. All I was able to complete is the FTC affidavit.

Pursuant to FCRA 609 ( e ) I am not given the opportunity to block the fraudulent information although Identify if was me. The collection agency ( XXXX ) has not been able to provide the method of verification with my wet signature on the application. Ive attached a copy of the fcra showing XXXX, Equifax and XXXX violated my rights. 

If XXXX XXXXXXXX is not able to verify the debt XXXX has no jurisdiction to collect a debt the original creditor deemed as identity theft.
Product: Checking or savings account

On XX/XX/2020 I order a replacement card for XXXX XXXX XXXX On XX/XX/2020 Missouri dept of unemployment issued funds of {$610.00} dollars. That I did not receive I have been contacting for over 3 to for consecutive days now Nd yet to have received my funds
Product: Credit card or prepaid card

I have already reported this card as fraudulent. 
They have already received an identity theft report. I have not received any help with this.
Product: Checking or savings account

Unauthorized use of my card. Tried disputing charges and was only refunded partial amount. Bank said that there was nothing more that they could do
Product: Debt collection

Money Spot Direct LLC sold my debt to XXXX XXXX XXXX XXXX this company is not licensed in the state of Delaware to do business therefore can not collect on this debt.
Product: Credit reporting or other personal consumer reports

I have disputed the XXXX 30 days late on credit report with Experian. Experian has filed to provide me any documents about this dispute. They deny the claim about the dispute with XXXX XXXX XXXX XXXX has failed to notify me or mail me any documents about the XXXX lates. I have never been late with XXXX XXXXXXXX. I have sent them certified letters about this. XXXX XXXX has failed to provide me any.
Product: Bank account or service

Bank of America ATM XXXX located in XXXX. I withdrew {$400.00} and the machine did not dispense money. There was a number on the machine to call to report a problem but it kept looping back to the main menu. I called a different number for the bank and they told me it was n't their problem because my checking account is with another institution. I do n't think they should be allowed to have ATMs in public locations if they wo n't support them.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Re : Non-compliance with Rule 1002. Requirement of the Original Upon reviewing my consumer report, I discovered Equifax, LLC and several creditors are violating several laws. According to rule 1002, you must provide an original writing, recording or photograph which is required in order to prove its content, unless these rules or federal statute provides otherwise. I've contacted the companies requesting documentation of my alleged consent and to date, the company listed below have failed to provide me with the requested written authorization of the alleged initiated inquiries. The listed institution mentioned below are willfully violating my rights as a federally protected consumer ; rights that have been established by Congress. Considering I have not received any information from these companies, I have to assume the inquiries are unverified and therefore should be deleted according to 15 U.S. code 1681i.

Pursuant to 15 U.S. Code 1681i, treatment of inaccurate or unverifiable information, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX look forward to receiving an updated copy of my credit report reflecting the deletion of ALL NON-ACCOUNT HOLDING INQUIRES. 
Thank you in advance.
Product: Debt collection

XXXX XXXX : XXXX XXXX : U S DEPT OF EDXXXX ( Original XXXX XXXX XXXX  ) : U S DEPT OF EDXXXX : XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to these collectors in an attempt to exercise my rights against these fraudulent accounts. I will sue for remedy and compensation should these accounts not be removed from my credit report according to 15 USC 1692h
Product: Debt or credit management

I am receiving calls every single day from constantly changing XXXX numbers from Midland Credit Management. I have never used them, have no debt and I believe they are calling about the debt of someone distantly related. I have no connection to this person and the calls amount to harassment since I dont even have any debt.
Product: Mortgage

I had a forbearance with Dovenmuhle Mortgage and applied for a loan modification after the forbearance. I paid XXXX trial payments. After I made the trial payments, Dovenmuhle transferred the mortgage to XXXX XXXX who does not recognize the agreed upon loan modification with Dovenmuhle.
Product: Debt collection

On XX/XX/XXXX I contacted Creditors discount & A about a collection on my credit saying I had late payments for over 3+ years. I was confused and not knowledgeable about this not only was I under XXXX when they say the account was open I have no knowledge how I owe them {$680.00}. I never received a phone call, letter or email about this absurd amount. When I spoke to operator about this collection on my account she failed to identify me using my social saying she doesnt have information because I dont have an account, and is unclear how to help she tried a couple different tactics including trying to look me up under my phone number to see if its possible I had an account still nothing came up. I explained I have no knowledge of ever opening one and as I noticed she doesnt either so why is it on my credit reporting as a collection since XX/XX/2017. Please help I have already disputed this but there making it impossible. The dispute has been in review for weeks with no change.
Product: Credit card or prepaid card

I had a Bank of America travel rewards card for some time since XX/XX/2021... I kept the balance low or paid in full. For some reason after have this card for years they suddenly closed the account without warning. This card was kept for purchases and possibly emergency situations. The card was in good standings but for some unknown reason, the bank decided to close it. As a result, this caused my credit score to drop. Sure, over all those years of having the card, I faced some hardships like many other people do but I was not late on the account many times. Nor before closing the account, had I been late for some time. The account was being used responsibly and had an ending balance of XXXX. So I'm trying to understand why would they close this? This was an unfair move by this Bank and I would like my account to be re-established.
Product: Debt collection

As of XX/XX/18 I owed {$510.00} to Portfolio Recovery Associates who had sent the account to their outside law firm of XXXX XXXX XXXX. 
I called XXXX XXXX XXXX on XX/XX/18 and settled the debt for {$370.00}. 
The same day the {$370.00} was debited from my checking account. On or about XX/XX/2018 I received the paid in full letter from XXXX XXXX XXXX based on receipt of the {$370.00}. 
I have attempted to contact Portfolio multiple times vis phone to confirm the account the account is in fact closed and paid. They refuse to discuss account saying it is still under control of XXXX XXXX XXXX. I called XXXX XXXX XXXX on XX/XX/18 to confirm account closed and they say per their records its closed. They told me to call Portfolio. 
Per my credit report pulled earlier this week the {$370.00} has been credited to the account but the settled amount to be written off per XXXX of {$130.00} is still on the account and the account still shows as open despite XXXX 's statement that it has been paid in full and closed.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer.

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title.

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. 
( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked.

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Neverinformed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) A 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.

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 

I please delete XXXX XXXX  account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This information is incorrect, because a deferment was filed to cover months. And no payments were due. So the negative reporting should be positive You 've paid off 100 % of your student loan amount. 
Balance {$0.00} Highest Balance {$26000.00} Monthly payment {$50.00} Opened XX/XX/XXXX ( 11 yrs, 4 mos ) Term 120 months Payment History Youve made 44 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXLast payment XX/XX/XXXX Current Payment Status Current Worst Payment Status 120-149 Days Late Account Details Account status Closed Type Student Responsibility Individual Remarks Dispute resolved ; customer disagrees Worst payment status 120-149 Days Late Times 30/60/90 days late XX/XX/XXXX Closed XX/XX/XXXX
Product: Checking or savings account

I have tried several times to get these funds credited back to my account. Needed to verify identity because of fraud because there is fraudulent activity and I need to verify my identity. I verified and still my account was being used with old cards because the they had access to the account information and they don't close the original one and several transactions were done in the account and my money was taken while account and I still have not been credited they give very generic responses telling me some will get with me and no one ever does and I'm tired of this I feel uncomfortable heard and my money is not safe please help there website and agents told me I'd get provisional credit in 10 days but still not credited and I'm over it this is stressful I get disconnected in chat 1 min after asking about disputes they do not want to fix the problem in get hung up on when I call I'm over it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX issued a statement Were here to help, in order to support customers experiencing financial difficulties due to COVID-19. It appeared that they were prepared to work with me in order to provide payment relief without causing late payments to appear on my credit report. They did not honor that statement as my credit report reflects late during the months of XXXX, XXXX and XX/XX/2020.
Product: Credit card

Good day. 

I have struggled with American Express to properly investigate my dispute claim on a product I didn't receive. I have asked to speak with the dispute team and I have been told by the representative that they don't have any access to reach them. As a client I have a right to have my dispute claim investigated in a thorough manner. This is not happening with American Express. I have sent overwhelming evidence that I didn't receive my vacuum cleaner from XXXX. American Express focused on a tracking number that XXXX had submitted and their final decision was enough proof that I indeed received the vacuum. 

I contacted XXXX and asked them to look up the tracking number XXXX. Upon their review, they told me my name, address nor product was not associated with that number. I have submitted that information into my dispute claim file at American Express. Again, I do not feel that American Express is investigating my case appropriately. I reached out to XXXX via XXXX and they again gave me the same above tracking number for my order. I told them this was an invalid tracking number for me. I was disconnected from XXXX. I have submitted all this information to American Express. 

I have been charged {$830.00} for an item I never received. I need an advocate for me to help me as I have justified in more ways than XXXX that I never received my vacuum. I am asking for someone to reach out to American Express, XXXX and XXXX on my behalf. I am asking for someone to reach out to me so I know someone is listening. 

I appreciate your time and help with this matter. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am writing to dispute a billing error in the amount of {$520.00} on my account. I would like a FULL REFUND NOT PARTIAL. The amount is inaccurate because XXXX XXXX is no longer allowing customers to travel to XXXX due to a travel ban issued by the President of the United States. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. 

You have access to my account charges to show the full amount charged and the amount that they are refusing to credit back to my card that supports my position. Additional I have attached an article by the XXXX XXXX that states that the President of the United States has banned traveling to XXXX making it illegal to do so. Please investigate this matter and correct the billing error as soon as possible. 
Sincerely,
Product: Vehicle loan or lease

On XX/XX/XXXX my truck XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was repossessed in 33 days of non payment without any notice by Westlake Financial Services. They received last payment on XX/XX/XXXX shows in the XXXX XXXX XXXX statements. Westlake Financial Services wants {$1600.00} single payment in order of retrieve the truck back. They did unfair trade practices because I should being noticed that they will REPO the truck. or give an opportunity to make the payment due to holidays delays and issue with XXXX XXXX XXXXXXXX. I require the truck back to go to work and I only have {$1000.00}.