23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX  ) ( ACCT 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. 

MY DISPUTE IS CLOSED NOW BUT IT WAS ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX should not be reporting that I am ( XXXX ) days late on XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I received a supplemental tax bill from the XXXX of XXXX, MA. Right after I received the bill, I contacted my then servicer Guaranteed Rate to ask if they would pay the bill or if I needed to. They got back to me saying that they will ( I have the the emails ). Subsequently, Guaranteed Rate sold the loan to XXXX. I recently noticed that the supplemental bill hadn't been paid, and I had now accrued a {$55.00} and some cents interest for late payment. I reached out to XXXX, explained the situation, and said that they should pay out of my escrow since I was promised that by Guaranteed Rate. XXXX then paid it off. But I had already accrued {$55.00} in interest and penalty which XXXX also paid from my escrow. I want Guaranteed Rate to refund to me the money they paid for the late fees, {$55.00}. This is negligence on the part of Guaranteed Rate. They told me they will pay off the bill ( Case XXXX Resolved - XXXX Loan # XXXX ) but they did not, and this led to the late and penalty fees. Had they told me they will not pay it, I would have paid it by the deadline. It is not my fault, and I should not be penalized for this.
Product: Credit card

Continental Finance -- Verve credit card Since opening the account in XXXX 2014, Continental has regularly charged late fees to my account and reported my account as late to the credit bureaus when that has not happened. Initially, issues began when the card had to be re-issued because the card had not been received. Although, I had not received the card, Continental began charging me fees on the account. Late fees on a card that I did not have! 
Since that time, I have been charged a late fee each month. This account is setup on bill pay through my financial institution. I have this account setup so that payments are received by Continental at least 2 days prior to the due date and I always pay more than the minimum amount due. My financial institution has confirmed that payments have arrived as requested each month. I have noticed that it takes Continental approximately 6 days to process my payment. According to Continental, because they have not " processed '' the payment on or before the due date -- regardless of when they receive the payment, they consider the payments to be late and as a result, they are entitled to a late fee and can -- and do -- report my payments as being " late '' although the payment was received by Continental at the address as indicated on my monthly statements BEFORE the actual due date. 
I have never heard of a company considering a payment as being late when the payment was received in their offices BEFORE the due date because it takes them so long so process the order and do not feel I should be regularly penalized for internal payment processing issues at Continental. 
Continental also charges interest on late fees ... late fees that they refuse to refund. My balance due on this account is a result of late fees and not actual purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS FRAUDULENT ACCOUNT IS LISTED ON MY CREDIT REPORT THAT I HAVE NO KNOWLEDGE OF NOR SIGNED MY SIGNATURE FOR. MY INFORMATION WAS USED IN A RECENT DATA BREACH I HAVE NO BUSINESS WITH THIS COMPANY.
Product: Vehicle loan or lease

My car was on a loan with foursite capital. I purchased a gap addendum in addition to the loan. It clearly states in the contract that in the event my vehicle is totaled I no longer am responsible for the loan up to the original loan amount and they would not be attempting contact with me to collect any money due up to the original loan amount ( with exceptions for late fees ). I had made all payments in a timely manner until the vehicle was totaled. My vehicle was totaled XX/XX/2023. My payments are all due on the XXXX of every month. The payment on the XXXX of XXXX processed and they took their payment just hours after my car was totaled, my husband was XXXX XXXX XXXX one child in the XXXX and my other child in the XXXX XXXX XXXX XXXX I then went into the website a few days later and turned off auto pay with the reason of total loss. My car insurance was notified of everything and started their process the XXXX of XXXX and it was declared a total loss in the beginning of XXXX. My car insurance then requested I have my title signed and notarized and mail the title with the keys to their facility. At that time they were contacting foursite capital for a letter of guarantee. On the XXXX of XXXX, the next payment was due for foursite. I did not pay it as my car was declared a total loss and I was not to be responsible for the remainder of the loan per the gap addendum. Shortly after the XXXX of XXXX, within days, the phone calls started. Foursite Capital has called my husband and I Monday through Saturday at any time between XXXX and XXXX central time. They have called every single Monday, Tuesday, Wednesday, Thursday, Friday and Saturday since the XXXX payment was not made. They have made contact with me by phone call numerous times and I cooperate to the best of my ability everytime I talk to them. They have made contact with my husband numerous times. Regardless of having made contact with us and regardless of the company being aware of what is happening with my vehicle they have and plan to continue calling me every single Monday through Saturday about the " missed payment ( s ) ''. I have on numerous occasions pointed out the gap addendum. They acknowledge the gap addendum exists but choose to ignore its purpose. XX/XX/XXXX I received notice that my car insurance has sent the payment due to foursite in the XXXX value of the car. Today, XX/XX/XXXX I answered yet another call from foursite and made them aware the payment has been sent to them. They simply stated " we do not have the payment yet and until we get that money we will call you and your husband everyday ''. He then wanted me to stay on the line for his supervisor to come up with a new payment plan for me. I responded with obvious frustration and told him I would do no such thing as I am clearly not responsible for the remainder of the loan per their gap addendum and I requested them to cease contact due to their frequency of calls being clearly harassment ( not to mention the emotional distress regarding speaking about the car in general ). The agent told me it did not matter and that the phone calls are not going to stop.
Product: Credit reporting or other personal consumer reports

Innovis Consumer Assistance XXXX XXXX XXXX XXXX, GA XXXX Dear sir, I have read your company review on CFPB ( XXXX ) and want to request further information regarding the regulation of American credit report companies. Your employee mentioned the checking and saving accounts information, then, started to refer the creditors. Since I asked on this CFPB on the regular saving and checking accounts, they do not refer the debt, which need the creditors at all. Since the Arizona based credit report company mentioned about my bank checking and saving accounts, which do not relate with the creditors, I asked your company to do same thing with this Arizona based company to show me the information on the regular banking information, which this company did. If your company indicates, it is only possible to Arizona based credit report company, I seriously prefer only Arizona based company will have the right to check and investigate my personal information, if New Jersey based credit report company can not do it, even though it situates in the metropolitan area. Anyway, this Arizona based company website says it is a nationwide company ; therefore, what your employee has mentioned does not match with this Arizona based company. If two nationwide companies have different regulations, I request both companies will give me the information on the regulations to find out how these companies treat the personal sensitive information. Anyway, from my viewpoint, once the companies consider themselves nationwide, they should have some regulations under the Federal or other national government organizations. I prefer you will indicate this information, since the individual has the right to know these regulations due to the safety of personal information and identity. 
Sincerely,
Product: Debt collection

The account in dispute appear on my credit report several time under different collector company names Initiate an investigation with credit reporting Bureau. investigation was not conducted as requested. Document proof of that indeed account belong to me.   The collection agency fail to respond to verification of account after summiting a letter that my identity theft report and letter send to collector agency company address that is reported on credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi! I have been trying to get this XXXX  XXXX Bankruptcy XXXX XXXX XXXX removed from my credit report. Someone opened a XXXX XXXX bankruptcy in my name years ago. It was listed on XXXX. I disputed them and XXXX removed it. However XXXX and Transunion did not remove it. Also there is a car loan by the name of XXXX XXXX account number XXXX opened XXXX. This account was fraudulent opened in my name without my consent. There are numerous hard inquiries opened in my name without my consent. XXXXt XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 

All credit reporting bureaus must be accurate with reporting on all 3 bureaus. 
In Accordance with Fair Credit Act Credit XXXX  XXXX bankruptcy and XXXX XXXX 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 604A Section 2. It also states A consumer reporting agency can not furnish an account without my written consent, I have also attached the certified letter sent from Us Bankruptcy court stating that they don't provide information to the credit bureaus, There is no way they verify with them like the Fair Credit Act act states for them to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX SS # XXXX DOB # XX/XX/1980 To whom it may concern, Late Charges Removal You are in Direct Violation of the Fair Credit Reporting Act which has been violated several rights.

15 U. S. C 1681 section 602A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under and open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Bank account or service

well fargo bank is closing down town  XXXX  branch. they sent letter that I had to close my safe deposit box, which I did. they failed to issue me pro-rated refund at time of closing and play ed dumb when I asked manager to m ail me a refund check that is due to me.  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX     XXXX , fl  XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted by ( certified mail via XXXX ) XXXX and have not had this issue resolved. In accordance with the Fair Credit Reporting Act, everything reported has to be 100 % accurate on a credit report. XXXX is reporting addresses that are not accurate or relevant. I did not give XXXX permissible purpose to report false and inaccurate information on my credit report. I can not receive mail or any correspondence nor do I have access to any of these addresses. XXXX is reporting inaccurate account numbers and reporting collection accounts as " late ''. When I cross checked my credit reports the account numbers are different across all of the agencies. In my certified Letter I requested the original contract to show proof the accounts were valid. All i received was a letter saying the accounts were verified and none of the request made in the letter. 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. My rights have been violated under 15 USC 1681 section 602A, which states I have the right to privacy and under 15 USC 1681 Section 2 which states a consumer reporting agency may NOT furnish a credit report without the consumers written permission. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions. 

In accordance with the Fair Credit Reporting act ( CREDIT CONTROL CORP ) has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions. 

I would like compensation for the various violations on my credit report for this has had an adverse affect on my ability to obtain credit. For this i should be compensated do to their fraud and negligence. An example should be made so that no other consumer rights are violated. This is a serious matter and should be rectified asap.
Product: Credit reporting

Equifax is not responding to my requests to investigate and remove accounts that do not belong to me from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a ton of inquiries on my credit reports that I did not authorize. I started disputing these unauthorized inquiries with the credit bureau on XX/XX/XXXX and they did nothing. I went on to dispute these inquiries on XX/XX/XXXX, XX/XX/XXXX, and just recently on XX/XX/XXXX. They have not done the proper investigation into these items and they continue to unlawfully validate these inquiries yet failed to provide sufficient proof of validation.
Product: Debt collection

On XXXX XX/XX/XXXX I sent the dispute letter to the collection agency and I still have not have not heard from them, so In addition I want to write another letter as shown below to dispute the debt. 


YOU ARE IN NONCOMPLIANCE OF THE FAIR DEBT COLLECTION PRACTICES ACT It is a fact that Congress enacted the Fair Debt Collection Practices Act ( FDCPA ) to eliminate abusive debt collection practices by debt collectors and to protect consumers like myself against debt collection abuse. Your company is using abusive, deceptive, and unfair debt collection practices which has contributed to the invasion of my privacy. 
I did not give your company consent to communicate with any person including the consumer reporting agencies any of my private information which includes information on the above referenced account. It is not permitted by law for your company to communicate with the consumer reporting agency as I did not give written instructions for you to have permissible purposes to furnish any of my information. 
Since, I did not consent to you have my private information which includes identifying information such as my name, address, and account number, your company has committed aggregated identity theft which is punishable under 18 U.S. Code 1028A.

You have invaded and breached my privacy which violates The Privacy Act of 1974. 
I am instructing you to delete my private information from your company files, delete this account from my consumer report with XXXX, XXXX, & XXXX and cease all abusive and deceptive collection attempts immediately. 
You have 10 days to request for this information to be deleted from my consumer report. 
Failure to do so will result in me taking legal action against your company for damages, willful noncompliance, privacy breach and much more.
Product: Credit card or prepaid card

Capital One still keep my credit card restricted after I submitted requested Driver License as proof of identification more than 20 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the 2020 Pandemic I had lost my job and I was struggling to pay my bills I called XXXX XXXX XXXX and I was granted to have my account placed on a forbearance period in order not to have my account reported as late payments. - I was told I could pay over time at the end of the loan the 3 payments I was struggling to make in timely manner That was promised to me over the phone by the Customer representative that I called 3 times - instead I then discovered that my Account is been reported late for 3 times on contrary of what was promised to me by the XXXX XXXX XXXX Rep.

I paid always on time for 6 years my car loan - never a late payment besides the issue during the pandemic - I then successfully closed the account at the end of the Loan and no money are due to XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

i WOULD LIKE TO DELETE THE FOLLOWING ACCOUNTS AS SOON AS POSSIBLE BECAUSE THEY DO NOT BELONG TO Me XXXX  XXXX XXXX ( XXXX ) OPENED XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX ( XXXX ) OPENED XX/XX/XXXX XXXX XXXX XXXXXXXX ( XXXX ) OPENED XXXX/XXXX/XXXX XXXX  XXXX ( XXXX ) OPENED XX/XX/XXXX
Product: Debt collection

westlake financial services, I contacted them on XXXX XXXX to voluntarily surrender my vehicle, they claimed it was being proccessed, called them back nothing, continued calling, they said it was being processed, all the way to XXXX when they stated it was never put in to be collected, demanded i fax them it in writing, called to collect on overdue amounts after i told them i was XXXX and could not pay currently or drive the vehicle due to medical conditions. refused to remove an ach claiming i never specifically stated to remove it. and other tactics.
Product: Credit reporting or other personal consumer reports

It is XXXX. XXXX has tried to add an old account to my report that was closed in XXXX. XXXX XXXX and XXXX noticed it was fraudulent and removed the account but experian refuses to. How can they get away with this? How can they add an account 8 years later to my report? They are crooks and scammed me from day one with multiple loans with sky high interest rates. Please help me fix this issue