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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. And also may be in violation of 15 U.S.C 1605. XXXX  Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 US.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, 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. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.
Product: Debt collection

A family member, one of my sisters, told me of a company called Vance & Huffman had been calling her daily and leaving voice mails stating they needed to get a hold of me for me to fill out paperwork. My family member finally was able to answer one of their calls to try and end their constant contact, she was at work when they called and unable to answer her phone. They again told her I had paperwork with them that needed to be finished but refused to state anything further when she questioned them. 

I researched this company online and found they have numerous complaints against them via the XXXX. Some other reports I found state they use phishing techniques to gather confidential personal information. 

I received a letter from Vance & Huffman stating they purchased my XXXX XXXX XXXX account and I owe them {$670.00} and if I do not reply in 30 days they will assume the debt is valid. 

I had run my credit report on XXXX/XXXX/2016 and the account they are claiming does not exist. I did have a XXXX charge card years ago and it has been off of my credit report for 2 - 3 years now, it was paid and closed. After researching this company I am leery contacting them via a phone call since they would now have my phone number, demanding money for an account that does not exist is why I am contacting you, I doubt my phone call would do any good in resolving this issue, I obviously want to avoid this company having any more information on me as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX {$990.00} XXXX XXXX {$19000.00} XXXX XXXX XXXX {$87.00}
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX Balance : {$200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXXXXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

Chase bank is failing to send updated transaction information to the company XXXX so that I may receive money for the hours I have worked in the week. Failing to do so is causing the bank to send me a fee for not having money in my account, but if they sent the info like they are supposed to, I would n't be charged the fee. They are essentially stealing from me
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to state that XXXX and Transunion is in violation of 15 U.S.Code 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. I never gave XXXX or Transunion written consent to report anything on my consumer report. No consent is identity theft. These items have been illegally furnished on my consumer report. If they are not removed, I will no longer extend my credit or allow XXXX or Transunion to furnish a report for me. I would like to state that pursuant to 15 U.S.Code 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By XXXX and Transunion allowing these inaccuracies to be furnished on my consumer report it has cost me to lose confidence in the banking system. If XXXX and Transunion wants to continue doing business with me they should delete these inaccuracies from my consumer report.
Product: Checking or savings account

On Friday ( XX/XX/2019 ) I was sent a {$36.00} XXXX payment from my partner, and made sure my funds were available in USAA. I submitted my XXXX XXXX credit card payment for {$36.00} about 20 minutes later. Everything was fine - Everything showed {$0.00} in my account, sounds good right? 

Wrong, I had pending transactions that were taken out out of order to ensure that I incurred fees. These have not posted in order, and this payment was submitted 5  days ago. I've now incurred late fees from USAA and XXXX XXXX. 

USAA has been increasingly showing similar banking traits as XXXX XXXX - weird processing times for payments, significantly out of order, they seem to be in an order to cause me fees on purpose. 

I am fighting this because I had insufficient balance for a payment before. I made absolutely positive that I had the available funds before submitting this second payment. 

I've attached a screenshot, and you can see how USAA decided to post these transactions to let me know if it's weird. They appear to have taken out all of my payments before deciding to process incoming money from days beforehand.
Product: Credit card or prepaid card

I called Capital one twice, once in XX/XX/XXXX, and again in XX/XX/XXXX. I called because I was not receiving the rewards points that were shown on the advertisement of the credit card. I was to receive 3x 's the points for using my card on my phone bill, and 5x the points if i spent any on the XXXX XXXX. However i have not received my points, even though i was told the issue would be fixed. I even contacted XXXX XXXX XXXX about the issue who redirected me back to capital one. 

I have attached my bills since XX/XX/XXXX to show my transactions, and prove that i used the card for my phone bill and one XXXX XXXX transaction. I also included my points from XXXX XXXX to show that i am only receiving XXXX point for every XXXX. I also included the advertisement of the card from capital one. 

When I went back to do the math it looks like they tried to fix problem in XX/XX/XXXX and gave me the points i was owed but then the ball was dropped and i was going back to receiving only XXXX point for every XXXX even though i continued to use my card for my phone bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand that you Cease & Desist from reporting old information on my consumer report, I demand that you cease & Desist from reporting, incorrect, misleading information on my credit report, I demand that you Cease & Desist improper validation and proof of debt on my credit report. 
Please remove the following account within 5 days from my report XXXX XXXX XXXX XXXX I have not given you premission to report these accounts to my report, Also I have not recieved evidence of these accounts that that belong to me. 
These account are incorrect and misleading. I will seek legal action if they are not removed within 5 business days. This is the last notice. If there is no proof you must remove these accounts. 
Student loans have already been removed off my report than came back, XXXX has changed the account to postive to negative several times after they sold the debt to another company.
Product: Debt collection

This lending shady compnay Affirm harrassed me many times after I stated that I have financial issues. They refused to help and continues harassing with several texts a day. Then went to my credit report trying to ruin my credit by reporting late payments. Also they refuse to show license to lend in the state of Florida and validation I owe this money. This is a shady business and need to be investigated in California
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 accounts on my credit report that are not mine. One is XXXX XXXX XXXX with XXXX XXXX XXXX and the aargon agency with XXXX XXXX XXXX. I 've reported to XXXX and both of these credit agencies that these accounts are not mine I was n't living in the addresses at the time these bills occurred. Someone must 've kept the bill in my name. I request for this to be removed for fraud and incorrect information.
Product: Credit card or prepaid card

So I have been trying to catch my Capital One Credit Card up and it seems nearly impossible to do so because everytime I make a payment. I get charged interest or late payment. Last month I paid more than the minimum and I still get charged fees. 

These fees are getting down right ridiculus. I have addressed this issue before with Capital One but they seem to not care. I am simply asking for help
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that on XX/XX/2018 a hard inquiry was made to amex which I do not recognize at all. I am in the process of trying to improve my credit score and pay off account balances to purchase a home in the future. An amex card is one that I am not even ready to try and apply for. As this is hurting my score just a little bit I would like it removed from XXXX  and any other credit bureau that it may appear on please.
Product: Credit reporting or other personal consumer reports

Im completely confused and frustrated because I saw inaccurate accounts on my credit report this morning. I check my report regularly, and Ive never had issues like this before. These errors seemed to pop up out of nowhere, and even after refreshing my browser, they didnt go away. I need the documents I sent to be reviewed carefully so this nightmare can finally end.
Product: Credit card or prepaid card

Starting in XX/XX/XXXX I made 8 payments through my electronic account with the Banco Popular acct no XXXX to the XXXX XXXX in XXXX against a credit card account no XXXX. This account was paid in full and closed in XX/XX/XXXX. I proceeded to contact both banks because only 2payments were returned to Banco Popular in XXXX XXXX another in XXXX XXXX. There is and outstanding amount of {$1100.00} that were never retuned or there is no evidence from my bank that show that this money was retuned, I have contacted the office of XXXX and they have been reluctant to assist me to resolve this situation, All electronic transaction should have a system of traceability and recode keeping of transactions of payments. I need a thorough investigation as to were did this money that I paid go to and be reimbursed. My original complaint was filed in XX/XX/XXXX ; XXXX no XXXX.
Product: Mortgage

When renewal for flood insurance came for XX/XX/XXXX to XX/XX/XXXX, Shellpoint selected option XXXX to increase my flood insurance to a premium plan for {$110000.00} I am only required to take {$73000.00} or what is owed on the mortgage basically. This has caused my amount to go up considerably in pricing this was done without my approval! 
I do not agree with this nor approve this change in policy I contacted XXXX flood they said Shellpoint did this and paid it out of my escrow Shellpoint claims they did not do this nor have the option to do this which is untrue since they paid for the premium plan amount out of my escrow, which I did not authorize! 
Shellpoint has had lawsuits for doing this same thing to other persons.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to inform the CFPB of the bad practices XXXX XXXX Experian XXXX XXXX XXXX those companies has violated my rights by sharing my personal information without a permissible purpose in allowing third party companies pool my consumer credit report I have posted a freeze in 2021 on all credit bureaus until present day those companies steel passing around my personal private information illegally conducting and verifying information without no permissible purpose. they have conducted investigations in those informations come back verifiable I have asked those companies to provide me with this certification application documentation signature showing my permissible purpose I am requesting that verification I'm the following companies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( negative {$700.00} ) The company XXXX XXXXXXXX XXXX has posted late payments on my consumer credit report 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. This applies to all the companies mentioned above provide me with that verification application signature that I gave permission. You should have those documentations unfiled. If for any reason you can not provide me with those documentation have those items delete it from my consumer credit report.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN 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 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. 


EXPERIAN 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: Debt collection

Numerous calls to cell phone for another person who allegedly owes money to XXXX. Advised them that the person doesnt own this number and we have never owned a XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Product: Credit reporting or other personal consumer reports

Credit Agencies continue to break the law, refuse my request of verifying debt and are now using stall tactics to delay their duty of providing verifiable proof of the debt. I received a letter today asking me to verify my identity and proof of address which has already been done multiple times. Please see the attached document which was sent to them certified mail on numerous occasions. My original request is now over 45 days old and must be validated or all disputed items deleted. My only remedy is to persist in reiterating the law.

Federal law requires that they respond within 30 days, and they have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance. 

Their continued delays are inexcusable.
Product: Checking or savings account

Since XX/XX/XXXX, my account has been restricted on Robinhood. I do not know why, I've tried providing everything I can to Robinhood, but they make excuses and keep pushing my review date back. I have taken pictures of my drivers license, live video recording of my face, bank statements, etc. to verify it's me and they still have not released my funds to withdraw. 
I do not know why this is happening, but it seems illegal to not allow me to withdraw my own funds when I have done nothing wrong! I keep calling, emailing, etc. and they respond with generic replies over and over and I just want to withdraw my money and never use them again!
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard inquiry from capital one appeared on my credit report! I did not give capital one permission to run my credit! It has been removed from 2 of the 3 credit reporting companies it has not been removed from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed for XXXX  XXXX bankruptcy protection. My credit card I had with XXXX  XXXX XXXX ending in XXXX was included in the bankruptcy filing. However TransUnion refuses to display the information regarding this account correctly. The date reported shows as XX/XX/XXXX instead of XX/XX/XXXX when the account was included in this bankruptcy. Because of this erroneous date my TransUnion credit score varies by as many as XXXX points than XXXX and XXXX. Back in XX/XX/XXXX, I submitted a dispute to TransUnion involving several accounts that were included in the same bankruptcy that I was having the same issue with and many of the dates on those accounts were corrected to show the correct date. Additionally, I recently submitted a XXXX letter to TransUnion wanting to know the source of their information regarding the XXXX XXXXXXXX XXXX credit card and so far there hasnt been any response. Each time I call TransUnion Im told they only display the information provided to them by the creditor and when I contact the creditor I am referred back to TransUnion. I just want this error fixed. I am in the process of rebuilding my credit and I have established many new accounts that all in good standing and have not had any derogatory events since the bankruptcy filing more than two years ago. So its really hurting my rebuild efforts when a creditor is reporting a delinquency that occurred two plus years ago as an event that just occurred this past month. I am aware that as negative information ages it has less of an impact on your credit score. Please help me with this matter.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally request your assistance regarding a matter with Credit Collections Services, which is impacting my credit report. I have noticed that an account with the number XXXX is being reported on my credit report, and I have serious concerns about its validity. 

Despite my efforts to communicate with Credit Collections Services, I have not received adequate information to validate this debt. Therefore, I am requesting that the CFPB intervene to ensure that Credit Collections Services provides the necessary validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ). 

Below are the specific details of my request : Verification of the debt : Please provide documentation that verifies the legitimacy of this debt, including a signed agreement or contract that shows I am responsible for this debt. 

Detailed breakdown : A complete and itemized breakdown of the debt amount, including principal, interest, fees, and any other charges. 

Chain of custody : Information on the chain of custody of the debt, including any previous owners or collection agencies that have handled the account. 

Proof of reporting : Evidence that Credit Collections Services has the authority to report this debt to credit reporting agencies and that the information being reported is accurate and up-to-date. 

I believe that the inclusion of this account on my credit report is causing significant harm to my creditworthiness and financial well-being. I request that this account be removed from my credit report until the debt has been properly validated. 

Please find attached copies of my correspondence with Credit Collections Services, as well as copies of my credit reports from XXXX, XXXX, and XXXX showing the disputed account. 

I appreciate your prompt attention to this matter. If you require any further information, please do not hesitate to contact me at the above address or phone number. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2022 and noticed some things are incorrect and incompleted and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure about whom the report relates these accounts. XXXX XXXX XXXXXXXX XXXX are not accurate and are not completed XXXX XXXX  XXXX XXXX open date is not reporting correctly on Experian and XXXX it says the date was opened on XXXX/XXXXXXXX although on transition it says the date was opened on XX/XX/2022 and that is not correct. 

the date that the account was active till is inaccurate its says for transunion that it was XX/XX/2022 for Experian it says XX/XX/2022 for XXXX  its way off at XX/XX/2022 Date of Last Payment for XXXX was XX/XX/2022 for Experian it was XX/XX/2022 but for XXXX it was XX/XX/2022