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

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information. 
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, IL XXXX Employer - XXXX  Employer - XXXX XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX
Product: Debt collection

Today I checked my credit report and discovered that this company has reported that I owe them a debt. I did not receive notice of the debt not that I have had a right to dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act ; Companies Name & account Number XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ; Hard Inquiry Filling date XX/XX/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 am writing this dispute because I believe it is against the law for a hard inquiry to stay on my credit without permission of me I have no account with the lenders this was ran through a third-party without my permission for these particular company thank you
Product: Credit reporting or other personal consumer reports

The following hard inquiries are on my credit reports from the credit bureaus without my knowledge or request from creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

i paid my monthly ( every month a problem ) This time they did not send all of my payment back but rather they applied it all to principle and none to the payment! I overpaid {$5.00} to make it an even {$2300.00} like I have always paid. Now they jacked me for a late fee and now my credit is also at risk. I have wasted over XXXX hours on the phone this year alone! Now the newest trying to get me event has a case number which is XXXX. This company does something to me every month! I have filed previous complaints to you and they just lied to you and you closed the case. I got a letter from them saying my house was abandoned. They sent me multiple payments back and denied doing so. They even called me late one night and swore at my wife and I. They told her to shut up as " the men are talking '' and even called her a ( XXXX XXXX several times. I am blown away that this company is able to do things like this monthly to me and get away with it. I filed a better business bureau complaint and an attorney general complaint. All dead ends. Who else is there to stop this madness??? I can't keep doing this. I'm going to be the first person to shoot themselves over the stress of loosing my family home to the most unscrupulous mortgage company on the planet. All I ask is for some real help here. I can't do anything as I'm just a citizen and military veteran. I just want the nightmare to end so please, please for God 's sake help! me!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and experian credit Bureaus allowing Credit Acceptance to continue to report on my credit file..consumer protection and federal trade Commission added a reporting block to my file as of XXXX XXXX I reported to all 3 credit bureaus and sent the documents to each .. Filed over 7 disputes not to Allow credit Acceptance to report and inaccuracies because we're still in legislation and it's truly damaging my chance to be able to purchase my first home ... XXXX vs CREDIT ACCEPTANCE as of XX/XX/2020 Block isnt in effect at All! Still reporting doing so much damage..and it's not helping to keep filling disputes after dispute I been fighting and complaining to no end..I been turned down for approval because of Credit Acceptance still reporting after Block was added as of XXXX 2020 Thank u
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to inform that XXXX XXXX and Equifax have violated my consumer rights and now are civilly and criminally liable for their violations on my consumer report. They have failed to notify or input a notice to dispute on my consumer report within a 30 day time frame for the accounts that i am disputing. Also, because they are reporting inaccurate information on my consumer reports and Consumer reports are suppose to be 100 % accurate across all 3 bureaus. The letters were received on XX/XX/2021 and it is now XX/XX/2021 and I have not received and correspondence for these accounts.
Product: Debt collection

It started with one company saying I owe a debt. I spoke to them. The company insisted that I owed. After that with this company XXXX other companies are saying similar things. I am trying to get answers but no company will take NO! for an answer. It has been XXXX year and I still get these same companies calling everyday. So I just try not picking up. The companies are : CBE GROUP XXXX.
Product: Mortgage

I been sending in my XXXX XXXX XXXX XXXX XXXX  and they keep saying the don't accept the form of payment legal tender only but according to ucc conversion of a negotiable instrument is legal tender. Because we don't use gold or silver .ucc 3-104-negotiable instrumen ucc 3-603-tender of payment ucc 3-419 conversion of instrument they never returned my originals so i take that as being paid on a forged endorsement. And i sent this to them every month so I'm not in default or behind on my payments.

HJR-192 this is also a 1099-c on they file i also sent in a RESPA REQUEST, DEBT VALIDATION and they refuse to honor my request
Product: Student loan

My issue with the XXXX XXXX been shut down, however I am XXXX and I went to that school, unfortunately there not professional, fraud, discrimination, lack of communication, lied, mislead, job interview wo n't accept anyone from XXXX student, XXXX and being force to XXXX and communication. Anyhow, I explain my situation to Navient customer service, nevertheless they wo n't help or say any more provide, whatsoever I felt like they have been harassing me whenever they called, email, yet without giving me the statement of how this bills of amount that cost ... They does n't have any Private Loan Forgiveness or School Discharge whether the Wyotech been shut down, therefore they said, " You went to school and you are responsible paying for it by their approach meant to say, Sorry they can not help you and I have to deal with it. '' Plus my wife is XXXX and it is possible for me to make those kind of payments, and I been trying to get BBB involved for XXXX, unfortunately they can not do anything because the school been shut down. Navients does n't have the program ... I, also tried to get an email from DOJ, XXXX, giving me these information. I am trying to find the result, but it is hard without knowing how to find a way for lawsuit or sue or waive the cost of this kind of situation. If you know anything about this to able help, I would like to know because it will help me and other person who is having trouble with this issue. Whether the XXXX been shut down XXXX XXXX, CA, therefore it should be able apply all the students who went there including myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Furniture ordered from XXXX fall XXXX Damaged furniture delivered/first identified to us by the deliverer Photos of damage sent to XXXX by the deliverer and this consumer XX/XX/XXXX XXXX promised to replace or refund XXXX did not, and a report of the circumstances, including photos were sent to XXXX so that XXXX could determine if a refund was valid XXXX supported the merchant, and said the merchant informed them the product would be delivered. 
XXXX re-delivered the same damaged item XX/XX/XXXX. It had been sitting in the deliverers warehouse since XXXX according to the deliverer, XXXX XXXX 
Again, XXXX sent photos of the damage to XXXX. 
Now, XXXX is requesting damage proof from us. 
Now, XXXX will be receiving payments from us for merchandise never received. 
This company, XXXX, seems to have a history of this business method of operation. There are consumer complaints from other XXXX clients about XXXX on-line.
Product: Debt collection

Contacted by Bryant Hodge & Associates XXXX about {$3700.00} XXXX account XXXX XXXX spoke to XXXX and XXXX. XXXX I had paid for sold off XXXX debt to XXXX XXXX XXXX Spoke to XXXX XXXX XXXX. It was for account number XXXX. 
In house account number XXXX. 

I called XXXX to confirm how many accounts I had via my SSN. Only one shows. They gave me contact info to the company that the debt was sold to. 
XXXX XXXX. XXXX. They confirmed the account number XXXX was the only account number applicable, and that Bryant Hodge & Associates were working on an error or fraud. 

I explained this to Bryant Hodge & Associates and offered my email XXXX to receive debt verification. They declined to do so. I now get calls threatening court summons from them at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A late payment reported to the reporting agency and I never pay my cards late I noticed a drop in credit score so it made me do research into whats going on I found the acc with first premier that I dont use that is not mine that I did not authorize acc number XXXX and a host of credit inquires that are not mine and I did not apply for 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  I do not use credit cards a lot nor do I check my credit report I have also made a police report.
Product: Money transfer, virtual currency, or money service

I made two international transactions through Remitly to transfer funds from my XXXX XXXX account to my XXXXXXXX XXXX account, totaling {$13000.00} on XX/XX/XXXX ( XXXX ), XXXX and {$6000.00} on XX/XX/2024 ( XXXX ). Despite Remitly 's confirmation of successful delivery on their website, the funds did not reflect in my account on the promised dates. 

Upon contacting my XXXX XXXX XXXX XXXXXXXX, I discovered that my account had been frozen on XX/XX/2024, due to a request for NRO account conversion. Consequently, my other ECS debit from my XXXX account also bounced back. It is perplexing how Remitly claims delivery when my XXXXXXXX XXXX account was frozen prior to the initiation of these transactions. 

Despite multiple attempts to resolve the issue through Remitly 's chat and call services, I have received no resolution. It has now been 15 days since my funds have been blocked, resulting in potential loss of interest. Therefore, I request prompt resolution of this matter and appropriate compensation for the inconvenience caused.
Product: Bank account or service

I opened a checking account on XX/XX/XXXX 2015 through Capital One 360 's publicly available promotional webpage that offered {$400.00} for opening a checking account and completing two direct deposits of {$250.00} or more within 60 days. I made 2 direct deposits of {$280.00} each on XXXX XXXX, 2015 and XXXX XXXX, 2015. However, when I sent a message to inquire about the status of the {$400.00} on XXXX XXXX, 2015, Capital One refused to honor the promotion, claiming, " We were unable to match your name with our list of invited Customers. ''
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times 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 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 or other personal consumer reports

I am writing to inform you that I recently discovered that my credit report contains information that has been adversely affecting my creditworthiness. I want to inform you no one helped me put my credit file together, and therefore, please stop trying to hold up my request for you to delete and block information on my file. As such, I am requesting that you proceed with deleting and blocking any adverse information that may be present in my credit report in accordance with Section 605c of the Fair Credit Reporting Act ( FCRA ). This includes any information that can not be verified, is outdated, or has been reported in error. I would also like to request a copy of my updated credit report after the information has been removed or blocked. I understand that you have 4 days to do this according to 605c, and I kindly request that you provide a written response outlining your findings and actions taken. Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. In accordance with the Fair Credit Reporting act. The List of accounts include the following XXXX XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Accounts listed in images 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 an 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. HIPPA has a private rule that mandates that your personal medical information may not be shared unless there is permissible reason for doing so. In order for a collection agency to verify your debt they will need to access your medical information. If they have access to this information, your rights under the HIPPA law have been violated. XXXX XXXX  with the amount of XXXX has violated my HIPPA RIGHTS I would like to remind any credit bureau and collection agency that if they fully validate the validation letter on medical bills that they are violating HIPPA regulations and are doing CRIMINAL ACTIVITY. HIPPA doesn't allow the release of medical information to any third party. PLEASE BLOCK AND REMOVE THIS ACCOUNT.
Product: Debt collection

I am writing you regarding XXXX  XXXX  XXXX. They have placed 2 collections on my credit reports for {$230.00} and {$270.00} with XXXX XXXX allegedly being the original creditor. I have written them certified letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX asking them to verify or validate the alleged debt and send me an original contract between them and I. They have failed to do so on every occasion. I have asked them to remove this from my credit reports if it can not be validated. They have failed to do that as well. They failed to send me a dunning letter for the {$230.00} amount prior to placing it on my credit reports and, therefore, failed to notify me of my right to dispute. All they send me when I ask for validation or verification is a computer generated statement from company records, which does not prove that I have any contractual obligation to them. They have never loaned me any money. They are not named as a creditor against me on any contract I have ever signed. I am also disputing this with the credit bureaus. Portfolio Recovery has inquired on my credit reports an obscene number of times, without my permission. Looking at my credit reports, XXXX XXXX is not reporting delinquent debt from me. They are reporting an old credit card account that is closed and was in good standing. They are also reporting open credit accounts that I have with them and am paying on. Portfolio has listed themself under " banking '' on my credit report but have never loaned my money and I have never opened any account with them. Portfolio Recovery is harassing me via mail and phone. They are calling my employer after I asked them not to contact me via phone. They called me at work today and threatened to start calling my family members if I did not provide them with an alternate phone number. They have called my XXXX year old son, telling him that I owe them money. They call repeatedly using different phone numbers. They have repeatedly been mailing me the same computer generated statement. They have broken so many federal laws and are causing damage to me, financially and with my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting to EWS an account that doesn't belong to me. 

According to report, it was opened on XX/XX/2022 & closed a day later on XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX # XXXX - Date opened XX/XX/XXXX - Balance {$1500.00} XXXX XXXX  XXXX XXXX # XXXX - Date opened XX/XX/XXXX - Balance {$7000.00} XXXX, XXXX XXXX XXXX # XXXX - Date opened XX/XX/XXXX - Balance {$1400.00} Unauthorized inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

Despite multiple CFPB complaints Discover still has not closed my account and has failed to cease and desist in illegally monitoring my loan and credit activity through XXXX. This monitoring is illegal and unauthorized. RE CFPB complaint # XXXX, Company responded on XX/XX/2019 : " As per your request, we have updated our records to ensure that you will no longer receive the SSN/New account alerts that you had previously activated. ... XXXX XXXX XXXX Executive Office of Customer Advocacy Enclosure ''. 
However as you can see from the attachment Discover still has not closed my account and continues to monitor my loans and credit activity. This is blatant harassment and illegal. XXXX apparently either Discover employees are incompetent or Discover is thumbing its nose at the CFPB and the consumer. Highly vindictive XXXX. I encourage the CFPB to initiate a class action.
Product: Debt collection

I am submitting this complaint in reference to 15 US 1692g. Concerning accounts that are reporting on my credit reports with all three majour credit bureaus. With Trans Union , LLC, XXXX, and XXXX XXXX XXXX XXXX XXXX. 

These accounts are violating my federal constitutional rights under 15 USC 1681.And the FDCPA, in violalion of my rights under federal law.I am disputing this debt pursuant to the Fair Debt Collection Practices Act, 1692g. 

Stating of claim of debt, is being disputed, in accordance of validation of debt. Providing validation with competent evidence of Proper Assignment contract, and alone with a Letter of the Purchase Agreement letter. 

My rights are being violated pursuant to the Fair Credit Reporting Act 15 USC 1681, Violation of the Fair Debt Collection Practices Act 15 USC 1692g See detailed copy of my dispute in letter sent to the Collection Agency of federal statues violated in the attempted collection of the debt. I request that the accounts be deleted from my credit files with all three major credit bureaus immdeiately.
Product: Consumer Loan

I have a loan with Spotloan.com for {$700.00} and I have already paid it back but they still want {$600.00} more.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a hard inquiry on my transunion report for a credit card I never applied for on XX/XX/2022. When I called the lender they couldnt help me because I dont have any other information other than what is on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I paid off 2 student loans to XXXX totaling {$25000.00}. During that same time period, I also paid off a mortgage to XXXX XXXX XXXX  in the amount of {$120000.00}. After paying off these balances, my Experian credit score dropped by XXXX points. My XXXX mortgage balance was reduced by {$960.00} during this same time. I am seeking an explanation on why -- after paying down close to {$150000.00} in debt, that my credit score would drop rather than increasing. Use of an algorithm that decreases my credit score after paying off debt seems to run counter to and defy logic. The way my scores are being calculated at Experian, it is as though my score is higher when I am carrying more debt. This seems extremely unfair to consumers. I am asking that the CFPB do an investigation into the use of such practices and algorithms. Thank you.
Product: Debt collection

I contacted the debtor on XX/XX/XXXX requesting my signature proving this is my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.
Product: Credit reporting or other personal consumer reports

Reporting Act. The list of accounts below has violated my federal protection consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX. 15 U.S.C 1681 Section 602 A States I have a right to privacy. 15 U.S.C 1681Section 604 A Section 2 : also states a consumer reporting agency can not furnish an 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 conviction of crimes which antedates the report more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person may 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.