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

I was out of the country and had my vehicle payment set up on automatic payment. When i returned home months later. i was notified that the car had been repossessed for lack of payment which i was unaware of. I explained the situation when i returned and paid the balance off. As they researched it they realized it was their mistake. However it is still showing on my report as a paid charge off and affecting my credit in a negative way even though it was not my problem. Please assist me in helping to get this removed from my report. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX and XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

I've been denied multiple credit applications from Citibank between XXXX due to a restriction on my account stating " credit privileges on your existing account ( XXXX ) are currently restricted. '' After numerous rejections ( including for XXXX XXXX XXXX in XX/XX/XXXX, Citi XXXX XXXX XXXX XXXXXX/XX/XXXX, and Citi XXXX XXXX XXXX XXXX XXXX XXXX I finally received a detailed explanation in a XX/XX/XXXX letter. 
Citibank claims they closed my previous accounts ( Citi XXXX ending in XXXX and XXXX XXXX ending in XXXX ) because they believe I " misrepresented details in billing disputes. '' They cite XXXX specific transactions from XX/XX/XXXX : A {$190.00} XXXX XXXX charge which I disputed as a canceled recurring charge. Citibank claims the merchant provided a receipt showing I purchased XXXX items, but this appears to be a different transaction entirely from the recurring charge I was disputing. 
A {$290.00} XXXX XXXX! charge which I disputed as undelivered. Citibank claims the merchant said it was delivered on XX/XX/XXXX, but I never received this delivery despite waiting at home all day. 

I have maintained excellent credit otherwise, as evidenced by my current employment as a XXXX XXXX XXXX XXXX XXXX with a salary of {$200000.00}. I believe this restriction is either based on a misunderstanding or an error in Citibank 's investigation process. Despite multiple attempts to contact Citibank about this issue, including reaching out to their XXXX XXXX XXXX in XX/XX/XXXX, they have not provided a clear path to resolving this restriction. 
This situation appears to be a permanent blacklisting that prevents me from accessing any Citibank credit products, despite the disputed transactions being relatively minor amounts from over XXXX years ago. I believe this indefinite restriction without a clear remediation path is unreasonable and disproportionate to the alleged issue.
Product: Debt collection

XXXX XXXX XXXX XXXX and their debt collecting agencies credit control llc dba credit control and XXXX XXXX keep sending me letters stating that the debt is not paid when they acknowledged it was paid and even took the money out my account. I received another letter today for a debt that I do not owe.
Product: Money transfer, virtual currency, or money service

I was banking with Experian smart money they closed my account issued me a check sent the check to the wrong address. I updated the address with them on numerous occasions. The person who has my check has opened my mail without my permission because they sent the check to an old address when I was communicating with them with the new address theres no communication with this Bank They have no communication. Theres no number to call the customer service. dont know whats going on. Theyre confused. They dont know what to do. They keep talking about this internal team that you can never speak to they were been supposed to send me a new check. They even called me to verify the address.
Product: Debt collection

Having thoroughly checked my credit report, I discovered multiple accounts that appear to be unauthorized and added without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( XXXX XXXX XXXX account numberXXXX ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges -Provide a copy of my signature with the provider of service to release my medical information to you Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureau 's expected or damages will be sought after. 

All accounts in dispute listed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

The acct opened in XXXX 2019. I received the bill and it was way over the amount of services from the beginning at over XXXX. I disputed the amount was brought down to {$920.00} of which I paid in full. I was recovering from XXXX and need some detail work after XXXX. I later pulled my detail charges and found that the original balance I should have paid was {$550.00} ( XXXX+XXXX ) .The other charges were for a different XXXX that has already been paid in full as well in the day of service. Comenity Capital Bank has since closed my acct, sold it to XXXX, and stating that I still owe {$260.00}. How can that be if I overpaid them in the first place. I have proof and I can not get an answer from either of them on how they plan to correct their error. I have been turned down for 2 credit cards and can not get my home refinance with this incorrect information on my credit report of which they refuse to remove. I have placed a dispute with XXXX and it will not be settled until XX/XX/XXXX but I do not have that kind of time because I have 90 day to get my home refinance or I have to sell it by court order. I have been trying for over a month to get this issued resolved and I can do without this stress and XXXX since I am still recovering from XXXX and XXXX  I am on a time crunch and it seems that they have no intentions of changing the false report they created. Not only did I over pay {$360.00} they sold the account to a debt collector that is charging me another {$260.00}. This is is devastating, very stressful during what should be a happy time, and time consuming to file all of these complaints and all they needed to do was the right thing.
Product: Credit reporting or other personal consumer reports

CFPB DISPUTE I am the author of this complaint.

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " XXXX, XXXX 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. " VYSTAR CREDIT UNION, XXXX XXXX XXXX XXXX, XXXX is a financial institution 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. " VYSTAR CREDIT UNION, XXXX XXXX XXXX XXXX, XXXX, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. All consent to XXXX, 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. '' XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX never informed 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 also 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. '' These accounts are adverse items, and they are reporting 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. XXXX, XXXX 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.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, under 15 U.S.C 1681s-602 it states I have the right to privacy and this creditor has violated my rights. 15 U.S.C s-604 ( a ) s-2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
CARES Act Covid 19 Bill S 3548 provides guidance to lenders to provide a guaranteed deferment to consumers for one year. The extension " Accommodations '' was not given to me during the Covid -19. During a Declared National Emergency I was discriminated against and my credit to be impaired. 
Regulations Reg B Billing Code : 48-AM-P Bureau of Consumer Financial Protection 12 CFR Part 1002 Equal Opportunity ( Regulation B ) ; Discrimination on the Bases of Sexual Orientation and Gender Identity The Bureau of Consumer Financial Protection ( Bureau ) is issuing this interpretive rule to clarify that, with respect to any aspect of a credit transaction, the prohibition against sex discrimination in the Equal Credit Opportunity Act ( ECOA ) and Regulation B, which implements ECOA, encompasses sexual orientation discrimination and gender identity discrimination, including discrimination based on actual or perceived nonconformity with sexbased or gender-based stereotypes and discrimination based on an applicants associations. 
Violations : CARES act, Reg B, Privacy, UDAAP, FDCPA, FCRA, Fair Lending Laws.
Product: Student loan

I had a pass due amount of {$310.00} on the XXXX of XXXX. 
This came up after I was denied the income driven plan! I think it was two to three weeks after I worked as a waitress and lost that job and found work with XXXX and dealing with other bills like my car bill, utility bills and phone bill. 
I thank God my car lender was able to give me a three month extension over the COVID 19 and that, I did find another job considering the fact my car insurance renewal was coming up and they gave me up until XXXX to make that payment. 
I dont know whats really going on with FedLoans because, I tried getting the help I needed from them, way before we even knew about this Coronavirus.
Product: Checking or savings account

This is the second complaint that I am writing in regards to Vystar credit union. I called the bank this morning as we got back from a cruise and they knew about it because i told them and they saw all the withdrawals and payment that was done to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. My dispute was not with any of these companies. I called to dispute about two companies that stole my money for services XXXX XXXX and XXXX. I never received any items from them. I went and tried to get back my money from the first one XXXX XXXX for the {$700.00} theft and they declined the individuals and XXXX XXXX have not gotten back with me. The second company XXXX who took an amount of {$1400.00} in three different transactions And I never received anything from them. 
Now what got me is the fact that I called Vystar and waited on the phone for about 45 minutes before they answered just to ask why no one called me back and also to find out how I can get another debit card because I have two direct deposit that goes to this account my VA and Social Security XXXX and my dispute had to do with services and items I never received and did not authorize, and they also had blocked the transactions because they probably had an issue with other customers with these companies. 
We are currently in XXXX at my mothers house due to the fact my wife had XXXX XXXXXXXX and she will begin her XXXX XXXX  at the XXXX XXXX and we will not be able to go back home right now XXXX XXXX XXXX, so when they told me that my account is not able to receive a XXXX I said wow and why, the agent told me that is the note that is written in the account and that the fraud department is currently closed. The bank was closed for the XXXX and i couldnt communicate right away with them due to internet issues on the XXXX and also they were closed for sunday and monday, so early this morning XXXX the XXXX I made sure I called and spoke with the card division and they told me that they will close the cards and investigate the duispute. I am dissapointed that Vystar will go to this extreme to deny me of a card that I ask If they can send to me at my mothers house due to our current situation and again the dispute was not fault it was by two companies. 
My dispute or claim number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed many times on my own and used a credit report repair company to have the inquires deleted from my Transunion report and no success at all. Here are the following inquires with the reported dates that do not belong to me at all ; 1-XXXX XXXX XXXX XX/XX/XXXX, 2-XXXX XXXX XX/XX/XXXX, 3-XXXX XX/XX/XXXX, 4-XXXX  XX/XX/XXXX, 5-XXXX XX/XX/XXXX, 6-XXXX XX/XX/XXXX, 7-XXXX XXXXXX/XX/XXXX. I did not authorize any of these companies to pull my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Acct # XXXX XXXX XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX XXXX XXXX XXXX XXXX Acct # 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.
Product: Payday loan, title loan, personal loan, or advance loan

I received several calls from XXXX to my work phone number asking about my application for a loan. I have never applied for a loan with this company and have never given my work phone number as a contact number for me. 

They said I applied for a loan and I tried to get the lady on the phone to give me the account information. She said the email address used was XXXX and the address they had for me was over XXXX XXXX XXXX. 

That email address was used years ago to steal my ID and open other loans in my name and has been mentioned in several other CFPB and Attorney General complaints. 

It has come up again because I have a stalker that uses loan applications to attempt to harass me and they have previously used that email address to fake emails from me. They found that address on a cheap background check website it shows up on because it showed up on my credit report for a few months years ago. 

To be clear. It is not me, I have never used the address XXXX The stalkers names are XXXX XXXX and XXXX XXXX of XXXX XXXX, Tx XXXX XXXX and XXXX XXXX of XXXX, TX They hired a fly by night detective agency that I believe is behind the stalking, they are named XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received an email that a TD Bank checking account and savings account were opened in my name. I don't have any accounts with TD and didn't recently open one. 10 minutes after receiving that email my XXXX inbox was flooded with hundreds of spam emails. It seemed like a tactic used to hide the TD Bank email.
Product: Debt collection

This collection agency has called numerous times after I have repeatedly told them to stop. That I am NOT going to pay the amount they say I owe. At this point they ANNOYING AND HARASSING ME. 
I asked for their address in order to send a written cease of communication notice and did not receive it.
Product: Credit card or prepaid card

A credit card was fraudulently opened in my name with TD Card Services, specifically for a XXXX card. This was not me, I did not open the card. It was opened without my knowledge. This is identity theft. I can not dispute the card with TD Card services and it is now affecting my credit. I need this fixed please
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX  XXXX Balance - ; XXXX XXXX XXXX Balance {$500.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$730.00} ; XXXX XXXX XXXX XXXX {$9000.00} ; XXXX, XXXX XXXX XXXX {$1300.00} ; XXXX XXXX XXXX XXXX XXXX {$9000.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

Account Details Last Reported XX/XX/XXXX Collection Agency LJ ROSS Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$620.00} High Balance {$620.00} Remarks Placed for collection Creditor Contact Details No contact information has been reported by this creditor. 
This is on my report with no further info as to debt or debtor
Product: Debt collection

Debt Collector states this account was open this year with an Balance of {$290.00}, I haven't visited of seen a doctor at XXXX XXXX XXXX XXXX NJ the year of 2018.
Product: Debt collection

XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ABILITY RECOVERY SERVICE XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ABILITY RECOVERY SERVICE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX