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

In accordance with the Fair Credit Reporting Act XXXX  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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  account # 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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 reporting, credit repair services, or other personal consumer reports

I've tried to get these issues fixed on more than one occasion. I've also sent a complaint to my local Senator 's office because I'm not getting any results. What's most upsetting is, that I've sacrificed my life for this country, and now a XXXX Veteran is being treated unfairly in my country. I asked for an investigation that was not thoroughly completed. I sent letters out on XX/XX/2022 ; XX/XX/2022, and XX/XX/2022, to XXXX, TransUnion, and XXXX. Here is my tracking XXXX ; XXXX ; XXXX. However, the credit bureaus said they completed the investigation and everything was 100 % accurate.

According to the law 15 U.S. Code 1681a- Definitions ; rules of construction The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 

How did they complete this investigation?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX XXXX and did not have a contract with LVNV FUNDING. They did not provide me with the original application like I asked.
Product: Mortgage

Since receiving the feedback from my last complaint ( XXXX ) the mortgage company has called every week to discuss my default. And it wasn't until about XX/XX/XXXX when a representative told me that I was currently in foreclosure proceedings. Which is against federal regulations because I am in an active loss mitigation program. According to the last complaint the previous forbearance has yet to expire, and in XXXX I applied and was approved for a continuation of that forbearance until XX/XX/2023. On XX/XX/XXXX the mortgage company took it upon themselves to run me through a partical claim program, WITHOUT my consent. I again spoke to a representative on XX/XX/XXXX who had to " force '' place the forbearance, expiring XXXX 

Today is XX/XX/XXXX and I am currently on the phone yet again with yet another representative who Is now stating I'm no longer in the forbearance and the account status must " match ''. Every week since XX/XX/XXXX I've received communication that I'm not in forbearance.
Product: Debt collection

I received notification from XXXX XXXX that receivable management collection company has been placed on my credit report.I have no idea about {$170.00} that this company is requesting of me. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the  documents ( Including signed contract ) that receivable management collection company have recorded and retained in my file at the time of this request concerning the accounts that they are reporting on my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). Under the FCRA 15 U.S.C. 1681g, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Product: Credit card

On XX/XX/XXXX I contacted XXXX, TX XXXX at approximately XXXX which Texas is behind me I believe 2 hours or so. I spoke with XXXX about an XXXX XXXX XXXX. 

Order of process : XX/XX/XXXX XXXX agreed to {$650.00} for XXXX liter with XXXX miles and {$200.00} for shipping totaling {$850.00} paid by Credit Card Citi XXXX Should either be shipped out Friday the XXXX or Monday the XX/XX/XXXX. Currently waiting for email reply with receipt and bol or tracking number. 

By XX/XX/XXXX I still had not received any confirmation email of any kind. No receipt, tracking or BOL. So I tried to call XXXX and on the other end a greeting asking you to enter the parties extension, no company greeting like welcome to XXXX just a generic recording to enter an extension. I tried for a few hours and at that point realized that there was no way for me to get in touch with this company. 

I then contacted Citi Bank XXXX and open a dispute and closed out that account. I told them the same story and the investigation went on for 3 months and twice Citi reversed the charge back to me. I would contact them and they would then reopen the case. Now they say that they have exhausted their efforts and the merchant states that I refused the engine. Not true the dispute opened on XX/XX/XXXX and without my knowledge tried to deliver the engine on a tractor trailer without a lift gate to my mechanic. At this point the order from XX/XX/XXXX had already been in dispute 6 - 7 days. So no, the engine was refused for two reasons 1. disputed 2. no lift gate either way this was a mutt point. 

The merchant ( XXXX ) was suppose to email me a receipt and tracking information, which they never did. They were also suppose to make sure the truck delivering it had a lift gate since the shop it was going to did not have a fork lift. Since I never received and email correspondence even though I did email them in the beginning and they did get it and it never bounced back so you know they had the email address 1. I gave it to XXXX and 2. I emailed him asking for a picture. 
XX/XX/XXXX five days go by and no email confirmation. So on the XX/XX/XXXX I opened a case against XXXX and closed my account and was reissued a new credit card with a new number. 

XX/XX/XXXX I received a voicemail from the shop where the engine was suppose to be delivered to stating that there was an engine on a tractor trailer without a lift gate for me and he had thought I had already canceled this and even if I had not he had no way of getting it off the truck ( no lift gate ). 

Now the credit card company CiTi Bank says that I refused it and that is why they are charging it back to me. Not true, dispute was started 6 or 7 days before they tried to deliver it. It 's not my fault that I could not get in touch with via phone since their phone only had a recording to enter an extension?? 

This is an {$850.00} charge and Citi Bank does not seem to care that they are making me pay for something I never received.
Product: Vehicle loan or lease

Chase bank who deals with XXXX XXXX denied me of credit, this is the third time I want to go after JP Morgan Chase Bank for denial of credit, again They discriminate against my credit score, maybe if it was them they feel the same way, If I am going to buy a car put money down, or no money down, I can pay the payments, their practices need to change, and stop discriminating against people like me, change the banking system, and stop denying credit and make people like me look stupid, I want to take action against their denial system
Product: Debt collection

XX/XX/year> - XXXX XXXX with Koppel & Associates sent a text message including personal information to a family member that is not part of our immediate family. This person is not a responsible party for any debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is reporting an inaccurate and inconsistent information in my credit report. I have disputed the inaccuracy on many occasions but Trans Union simply send me a letter that states account verified as accurate without providing me with the description of the procedure used to determine the accuracy and completeness of the information contained in my credit report as required by the FCRA. 
I have requested the description of the procedure used to determine the accuracy of this account from Trans Union on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX but have not received anything back at the time of filing this complaint. 

Trans Union is therefore in violation of 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) which states : a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove/block any items 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 XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear GS Bank USA, I am writing to address a concerning issue regarding our agreement and the handling of my financial affairs. Upon reviewing our agreement, I have come to realize that there are significant discrepancies and breaches of trust on your part.

I extended my credit with GS Bank USA in good faith, expecting that my security would be traded on the secondary stock market as agreed upon. However, it has become evident that GS Bank USA has failed to perform its duties adequately. I discovered that your organization was relying on the assumption of my incompetence, hoping that I would not notice the waiver of my rights to the security interest. 

Despite my initial oversight, I am now fully aware of the situation and am prepared to take appropriate action. I understand that while I may have waived certain rights, you are still obligated to issue my billing statements. Furthermore, I am competent enough to recognize that I must accept my dividend check at face value and return it to ensure proper balance in the books.

It is unacceptable for GS Bank USA to tarnish my creditworthiness unjustly. Your actions, including the reporting of late payments, while engaging in security fraud, are egregious and must cease immediately. I remind you of your obligation to adhere to the Fair Credit Billing Act ( 15 U.S.C. 1666 ), which requires financial institutions to adopt reasonable procedures to ensure that consumers receive billing statements. Moreover, under the Uniform Commercial Code ( U.C.C. ), specifically 1-302, any attempt to limit rights and remedies for failure to comply with obligations is unenforceable. Additionally, GS Bank USA 's failure to send billing statements via certified mail, thereby knowingly committing mail fraud, violates Title 18 of the United States Code ( U.S.C. ) 1341.

I demand that GS Bank USA rectify the situation promptly. You have 30 days from receipt of this complaint to update my account to " paid as agreed, never late. '' Failure to comply will be considered willful noncompliance, which is a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), specifically 1681s-2 ( c ) ( 2 ) ( A ). I will pursue further action, including rescission of the waiver of my rights to the interest and a level 3 forensic audit.

I expect prompt and decisive action to resolve this matter and prevent any further harm to my financial standing.

Done in good faith.
Product: Debt collection

My ex-wife has custody of our daughters. They all live together and none of them speak to or see me about anything. She takes the girls to medical and dental appointments and then refuses to pay the bills. Because of our divorce/child support, I have to provide medical/dental insurance. When unbeknownst to me, she takes the girls and skips out on the bill, the providers contact me for payment for services that I didn't know about, initiate or authorize. Now I have several collections on my credit report negatively affecting me.
Product: Credit reporting or other personal consumer reports

Its been more than 30 days that I file a report The information on my credit report is in accurate. I spoken to the company that has an open account under my name. I asked him to verify The account and submit papers showing the amount that is still on the account on this account. I have no knowledge and I just need this removed. This item is accurate and it does not belong to me. I need this removed as soon as possible from my credit report. XXXXXXXX XXXX XXXX account number XXXX
Product: Credit reporting or other personal consumer reports

I have been attempting to get the information on my credit report updated. I paid all of my credit card balances in full. I am currently in the process of purchasing a home. I was told by experian that my paid credit card balances were not updated because the credit card companies have not submitted the information. Upon contacting the credit card companies, i was told that the information had been submitted more than 45 days ago. I have not been able to get a representative of Experian on the phone for more than 15 days. My account shows credit card accounts that have not been updated since XX/XX/XXXX. This complaint is written on XX/XX/XXXX. XXXX as well as Experian have already updated the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I sent my dispute letters for the accounts and for the hard inquires to Trans union, XXXX and XXXX on XX/XX/2021. I have not heard back about my dispute or with the inquires. I sent the letters asking that the inquires be removed from my profile because I did not approve them. I am not able to get the issue fixed. I have waited over 30 days and have no response.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX. Despite my repeated attempts to resolve this matter directly with XXXX, the issue remains unresolved. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Checking or savings account

I used to have an account with Wells Fargo n I had been charged overdraft fees
Product: Credit reporting or other personal consumer reports

Experian I cant even login to my account. I tried to update my identity verification they have these numbers where you talk to a computer that cant help you. All Im trying to do is login my account. The email they have isnt my mail
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these creditors XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, The XXXX XXXX, and Discover Card have violated my rights. Under 15 USC 1681 section 602, it states that I have the right to privacy. Furthermore, 15 USC 1681 section 604a, section 2, states that a consumer reporting agency can not furnish an account without my written instructions. Lastly, 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose.

Please update my credit file in accordance with sections prescribed above. Thank you
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit union regarding Multiple overdraft fees That Ive incurred despite having Sufficient funds when transactions were authorized I was charged fees due to lagged posting Of charges and credits This issue aligns with the recent XXXX findings against Navy Federal for similar practices Where transactions were settled? with insufficient balances Despite initially available funds I believe these practices are unfair And request an investigation into my account transactions
Product: Debt collection

My problems originated in late XXXX - early XXXX. I was struggling financially and had defaulted on a credit card with XXXX XXXX XXXX. I was served papers on XX/XX/XXXX from Superior Court of XXXX County Georgia ( Civil Action File # XXXX ) informing me of the Civil Action filed against me by the now defunct XXXX XXXX XXXX XXXX XXXX, XXXX. of XXXX, Georgia XXXX. 
I settled this issue in person at the offices of XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, Georgia XXXX on XX/XX/XXXX for the sum of approximately {$5000.00}. While in the office, I was informed of another Civil Action they would soon be filing to collect approximately {$800.00}. I returned to their office on XX/XX/XXXX and settled this debt. 
On XX/XX/XXXX, I again received a notice of attempt to collect the above listed debts from the Office of XXXX XXXX XXXX at the same address listed above. I contacted their office by phone and explained these debts were paid in full. Sent them copies of the settlement letters I received from them on XX/XX/XXXX & XX/XX/XXXX. I never heard back from them. 
On XX/XX/XXXX, I again received a notice of attempt to collect from the office of XXXX XXXX. I called the office and advised them the debt was settled and reminded them of the email sent on or around XX/XX/XXXX. I never heard back from them. 
On XX/XX/XXXX, I received a notice of attempt to collect. However, this time, it was sent from the Office of Cooling & Winter XXXX XXXX XXXX, XXXX, Georgia XXXX. Mr. XXXX  & Mr. XXXX  are Mr. XXXX XXXX XXXX and Mr. XXXX XXXX. XXXX. They are both listed as Defendants along with Mr. XXXX XXXX XXXX in Civil Action Case # XXXX filed in the U.S. Court for the Northern District of Georgia , XXXX Division dated XXXX. Also working at Cooling & Waters are ; Mr. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. All who are former employees of XXXX XXXX XXXX XXXX XXXX at the time of the above Civil Action. I called their office and asked for Mr. XXXX or Mr. XXXX to personally return my call. To date I have not heard back. 
On XX/XX/XXXX, I have again received a notice of a judgement against me. They are Knowingly attempting to collect a debt that was settled 12+ years ago with threats of a property lien or garnished wages. 
This matter has gotten very aggravating and needs to end.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXXXXXX are in violation of The Fair Credit Reporting Act and 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 604 A states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Your recent claims have cast a significant shadow over my financial standing and have the potential to inflict severe harm on my creditworthiness. It is of utmost importance that we expediently and accurately address this situation to prevent any further repercussions. Moreover, I MUST EMPHASIZE THAT I VEHEMENTLY REJECT YOUR POSITION TO DECLINE MY IDENTITY THEFT CLAIM!!! The authority to determine whether I have been a victim of identity theft rests not with your organization but with the established legal processes. Your authority or legal standing does not grant you the right to make such a claim on my behalf. To substantiate the seriousness of my identity theft claim, I am providing you with a legal law enforcement agency report, which was filed with a federal agency. I anticipate that we can resolve this matter within the required 5-day timeframe. Items : XXXX XXXX XXXXXXXX XXXX, XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

account : XXXX XXXX account number : XXXX account XXXX XXXX XXXX XXXX  XXXX : account number : XXXX XXXX XXXX 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 then seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has time and time again reported this account ( XXXX XXXX ) as verified. But has yet to show how they verified this account. While XXXX and XXXX could not verify this account and simply removed it from my credit report. I thought all credit bureaus get their information from the same source. I'm really losing faith in this company as a consumer. I want this account removed asap because its reporting inaccurately and Experian is not investigating the validity of this account correctly
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent account name XXXX XXXX XXXX, account 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 states. A consumer reporting agency can not furnish a account without my written Instructions.