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

THIS IS NOT A DUPLICATE COMPLAINT IN THAT WE HAVE SUPPLIED ADDITIONAL INFORMATION AND THE COMPANY HAS FAILED TO ADDRESS THE FEDERAL LAWS THEY ARE BREAKING. 

THEY HAD 30 DAYS FOR THEIR INVESTIGATION AND THEIR REPLY THAT THEY ARE STILL INVESTIGATING AFTER THE 30 DAYS IS ILLEGAL!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I pulled a copy of my credit report after the Equifax data breach and noticed inquiries on my account that I did not authorize. I called Equifax, XXXX, and XXXX and explained this to them. They insisted that I call each company listed and find out what happened. I called and they all have no record of me in their system with authorization of trying to open an account. I then asked them to call the cresit bureau and have them removed. They stated that because they did n't have me in their system, it would be better if I called and explained to the bureau 's what happened. I called the bureau 's AGAIN and told them that I was unable to get documentation from the companies listed and to please dispute it on my behalf. I get a notice in the mail that basically nothing was done and to call the companies again. I have tried to deal with them 3 times and its now coming to the point I need to file a complaint with the BBB and the Attorney General. I have done everything both sides has asked me to do and it still has n't helped.
Product: Credit card

On XX/XX/XXXX, U.S. Bank Card Services decided to close my credit card account with a limit of {$22000.00} that I have had since XX/XX/XXXX. In a letter dated XX/XX/XXXX, U.S. Bank informed me that since I had not used the credit card in the past 12 months that they decided to close my account. I did not receive any advance notice of them considering this decision and when I contacted them by both telephone and in a written letter, they stated that they would reconsider reopening my account if I unthawed all XXXX of my credit bureau reports. I informed them that I had to place a security freeze on my credit reports as a result of the XXXX XXXX XXXX and XXXX data breaches since I am a federal employee and that it would cost me a total of {$30.00} to unthaw and refreeze my credit reports and would also result in a new hard inquiry. U.S. Bank informed me that they randomly select a credit bureau. Before U.S. Bank decided to close my credit card account, my XXXX Credit score was in the XXXX range and now has dropped to XXXX based on the AdvantageScore from XXXX XXXX. In addition, the length of my credit history went down from good to poor due to U.S. Bank closing my credit card account. In addition, both my XXXX and XXXX credit reports remark that the account was closed by myself, when that was not the case. While I admit that I had misplaced my U.S. Bank credit card in my files resulting in the activity, I feel that U.S. Bank could have sent me a letter in advance that they were considering closing my card so I could have began utilizing the card again. My XXXX and XXXX scores are in the XXXX FICO range so I have managed credit wisely. I believe it is unfair that I am now being penalized on my credit report and score when I have done nothing wrong. I have never been late on a payment with U.S. Bank regarding my prior home mortgage, lines of credit, prior car loans, and this specific credit card account that was closed.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am filing a complaint against Aldous & Associates P.L.L.C., a law office representing XXXX XXXX, for persistent and potentially unlawful debt collection practices. 

They have been calling me multiple times a week from different phone numbers, which has caused significant stress and inconvenience. Most recently, I spoke with a representative who informed me of my account balance and asked whether I could pay with a card or check. I explained that I am currently unemployed and unable to set up a payment plan at this time. 

The representative then informed me that they report to credit bureaus and implied that my credit score might be negatively affected if I do not resolve the debt. This statement caused undue pressure and distress, as it could be interpreted as a threat or coercion, which is prohibited under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692d ).

The FDCPA also restricts frequent and harassing calls ( 15 U.S.C. 1692c ( a ) ( 1 ) ), and their repeated calls from varying numbers appear to violate this provision. Additionally, the Fair Credit Reporting Act ( FCRA ) requires accuracy and fairness in credit reporting. Threatening to report the debt without clarifying the timeline or process may constitute a violation of these standards.

I request an investigation into Aldous & Associates P.L.L.C.s practices to ensure compliance with the FDCPA and FCRA. I also request confirmation of whether this debt has been reported to credit bureaus and a cessation of harassing calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$540.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, compliance and reportability of these listings. 
The negative marks are inaccurate. There is no contract or valid claimdebt was settled with original creditor I want these accounts removed immediately.
Product: Credit reporting or other personal consumer reports

My account with DEPT OF ED/XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

DEPT OF ED/XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Sister information is showing up on my Equifax Report. XXXX 's Social Security Number is  1 digit different from mine which is causing a mix-up. Equifax will not fix this issue. 
No action was taken by the company. Called multiple times submitted disputes, this has been a problem for years and continues to be a problem. 
These are the credit errors XXXX XXXX Mulitple Accounts {$130.00} {$170.00} {$480.00} XXXX XXXX- {$3100.00} XXXX XXXX {$3600.00} XXXX XXXX XXXX- {$21000.00} XXXX XXXX Mulitple accounts {$1600.00} {$820.00} {$790.00} XXXX XXXX- {$110.00}
Product: Mortgage

I have been trying for years now to save my home, everything including mediation, failed to provide any hope. The bank or banks agent, and mangers that I could supposedly negotiate with constantly changing, causing my efforts to get pushed to the bottom of the list. I have gone as far as to hire an advocate for {$5000.00} to help in the process. My loan has been mis-handled by my lenders, my lender continues to not discuss financial options that are available through both internal and government programs. My original loan documentation was signed by a rubber stamp not a bank VP. I believe this loan to be predatory in nature, however I just want to work out a reasonable payment with a reasonable rate. I am even willing to forego future claims against the lender in order to receive a fair deal. Its unfortunate that people have to go to these lengths just to get someone to listen. I hope they will listen. 

My home is set to be auctioned off on XXXX XXXX 2016, I hope that this will prompt the lender to finally work a deal with me. I 'm gainfully employed and my income ratios are within the guidelines to make a fair deal happen. My documents have been submitted, and the clock is still counting down. The crazy part of all of this is this could be fixed with a 5 minute phone call with someone who is empowered by my lender to make these decisions. The lender did n't even show up to my mediation, and could n't be reached by phone. Lastly, because I could go on for hours, These Banks got bailed out ... I 'm just looking to be treated fairly.
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

i XXXX XXXX XXXX Who resides at XXXX XXXX XXXX XXXX Ny XXXX and no other additional addresses, I am asserting my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681. Per the FCRA, I am now opting out of any and all authorization the consumer may have given you, whether written, unwritten, verbal, or nonverbal, as outlined in 15 U.S. Code 6802. 
According to the FCRA, consumer reporting agencies like XXXX and XXXX are obligated to exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy, as stated in 15 USC 1681 section 602a. As the consumer, I have the right to ensure that my private information isn't shared, supported by 15 USC 6801. 
Furthermore, as a financial institution, the furnisher of information to credit agencies falls under the definition provided by 15 USC 1681 section 604a ( 2 ), and they do not have my consent to furnish this information, as I have not provided written consent. 
Additionally, 15 USC 6802 ( b ) ( c ) mandates that a financial institution must inform the consumer of their right to exercise their nondisclosure option, which the furnisher of information to credit agencies failed to do.

Moreover, under 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including adverse information in a consumer report without authorization, yet they continue to report adverse items without my permission, violating the law. 
It is also worth noting that under 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, XXXX and XXXX are required to maintain reasonable procedures to avoid violations of FCRA sections and limit the furnishing of consumer reports to specific purposes, which they are failing to do. 
Lastly, as per 12 CFR 1016.7, I retain the right to opt out of your reporting services at any time. Therefore, I am officially opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX  which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX. XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX. XXXX XXXX {$2700.00} XX/XX/XXXX. XXXX. XXXX XXXX {$910.00} XX/XX/XXXX, XXXX. XXXX XXXXXXXX {$0.00} XX/XX/XXXX, XXXX. XXXX XXXX {$0.00} XX/XX/XXXX, XXXX. XXXX XXXX {$0.00} XX/XX/XXXX, XXXX. XXXX {$0.00} XX/XX/XXXX, XXXX. XXXX  {$260.00} XX/XX/XXXX, XXXX. XXXX {$5100.00} XX/XX/XXXX, XXXX XXXX XXXX XXXX  {$0.00} XX/XX/XXXX, XXXX. XXXX XXXX {$0.00} XX/XX/XXXX, XXXX. XXXX XXXX {$0.00} XX/XX/XXXX. Personal information that's inaccurate XXXX XXXX XXXX, XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXXXXXX, MI XXXX.
Product: Credit card

Barclays XXXXXXXX XXXX XXXX  company more than doubled my minimum payment due around XX/XX/year>. I did not have the funds to cover the amount, and had a missed payment put on my credit report. The following month, XX/XX/year>, it took the normal minimum payment amount that I was accustomed to. Then the amount was more than doubled in XXXX with the same results. The payment returned to a normal amount in XXXX. Now the payment requested was triple that of my normal amount, which was refused by my bank. The next amount due in XXXX is closer to the normal payment. 

In the meantime, I can not find an explanation as to why Barclays XXXX has been taking this action. 

Now the account is closed, my credit rating has been severely damaged and my other credit cards have clamped down on my credit limits. At no point did I ask for this treatment, and it's severely affecting my ability to make financial decisions going forward.
Product: Debt collection

in XX/XX/XXXX The law office of Silverman Theologue sued me on behalf of XXXX XXXX XXXX XXXX. I was naive and did not use the statute of limitations defense. I asked the Collector was this debt past the statute of limitations, but they stated it was not and I owed XXXX to thier client. They cohersed me into an agreement that I stuck to until I was unemployed during the pandemic. 

The violation was when I asked for a settlement agreement to keep it from getting into court in XXXX and the collector said that I still owed XXXX and the settlement is for XXXX. 

I never owed that amount and they charged this account off in XXXX. My understanding is once an account is charged off there is no additional interest that occurs. I asked for this amount in writing and the collector stated no I could not have it. I also asked for a ledger of my payments. I obtained a copy and the amount was XXXX
Product: Credit reporting or other personal consumer reports

Formal Credit Dispute Violation of TILA 15 U.S. Code 1666 ( b ) Billing Error I am writing to formally dispute inaccurate information on my credit report concerning the balance reported by XXXX Bank, account number XXXX. Upon reviewing my credit file, I identified significant errors that constitute violations of the Truth in Lending Act ( TILA ) under 15 U.S. Code 1666 ( b ). These errors meet the legal definition of billing inaccuracies and require immediate correction or removal.

The specific violations are as follows : 1. Failure to Reflect Proper Credits or Payments ( 1666 ( b ) ( 4 ) ) : The balance reported does not accurately reflect payments or credits applied to this account, leading to an incorrect and misleading representation of my account status.

2. Computation or Accounting Errors ( 1666 ( b ) ( 5 ) ) : The reported balance includes errors stemming from incorrect calculations or misapplied charges. Despite the creditor 's obligations under TILA, no substantiating evidence has been provided to validate the accuracy of this balance.

These discrepancies undermine the accuracy and integrity of my credit report and violate the Fair Credit Reporting Act ( FCRA ) and TILA requirements.

Resolution Requested : To resolve this dispute fairly and efficiently, I request the following actions : 1. Immediate removal of this inaccurate balance from my credit report. The failure to substantiate the validity of this balance makes its continued reporting unjustifiable under federal law. 

XXXX. Full documentation from XXXX Bank proving the accuracy of the reported balance. This should include a complete and verifiable accounting of all payments, credits, and charges applied to this account. 

XXXX. If XXXX Bank can not provide concrete evidence validating the accuracy of this balance, the account must be permanently deleted from my credit file to comply with FCRA and TILA provisions. 

I expect this dispute to be resolved within the statutory timeframe of 30 days, as required under the FCRA. Failure to address this matter promptly will leave me with no choice but to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation and enforcement. 

This issue has caused undue stress and potential harm to my financial standing, and I trust that you will address it with the urgency and fairness it deserves. 

Please confirm receipt of this dispute and provide updates throughout the resolution process. 

Thank you for your prompt attention to this matter.
Product: Debt collection

On XX/XX/2021, THE CBE GROUP INC-FORMER add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA THE CBE GROUP INC-FORMER has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Checking or savings account

BMO HARRIS charged me 10 ( TEN XXXX overdraft fees, when I specifically told them on the phone and online, that I do NOT want overdraft. 

BMO HARRIS paid a {$12.00} overdraft and then charged me {$70.00} dollars, which is a 600 % profit for them. USUARY and FRAUD. 

I told BMO HARRIS. If there is not enough money in the account, do NOT pay any fees. Simply decline the transaction. For the sole purpose of defrauding their customer, BMO HARRIS decided to pay {$12.00}, then charge me TEN ( 10 ) overdraft charges. 

BMO HARRIS has now sent my account to XXXX  XXXX  You must prevent this customer abuse. 
1 ) I never requested overdraft 'protection ' 2 ) Charging customers a 'FEE ' of 600 % is fraudulent and abusive
Product: Credit reporting or other personal consumer reports

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the XXXX section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According XXXX XXXX Code XXXX - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. XXXX XXXX XXXX XXXX - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Product: Credit reporting or other personal consumer reports

There are accounts on my credit report that I have nothing to do with, and theyve caused my score to drop significantly. These accounts arent mine, and theyre creating a lot of unnecessary problems for me.