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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Account inquires i did not all or give authorization dates 2 different account bout for XXXX, 2022 and XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not aware of the account XXXX XXXX which is reflecting on my credit report. I spoke to all three credit bureaus and XXXX was the only bureau who recognized the false information and removed the item. I have been in works with experian and XXXX   to get this removed but have not received any correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke over the over phone with XXXX XXXX, XXXX Island Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and with their Island Finance Assistant Manager named XXXX XXXX XXXX, because no matter I did not authorized the credit inquiry at their Island Finance website, no matter I never clicked the submit application button, and closed the web page, the Island Finance website submits the application in a potential client started to fill their online application as I did, no matter like in my case, I never clicked the accept they can make a credit inquiry box, or much less submitted the application by clicking the final submit. XXXX XXXX informed she will submit the claim where this is going to be explained just as I told her over the phone, because I was sure that if the final submit is not done by a potential customer and the boxauthorizing the inquiry was not selected either, if the web page is closed, there was no way the application can be submitted but that is not the case, this is one more thing against online transactions. The asistant manager Miss/Mrs. XXXX said my claim is handled by a different department and that they will call me tomorrow, or if not, I have to call them. 
No matter her over the phone explanations, I found this online procedure incorrect, unfair, and there is no justification to make a hard inquiry if the customer decides not to submit the application and closed the web page. Also, the assistant manage said clearly this is on the hands of other department, without giving any time frame to solve this. Is a practice that has to be eliminated by any financial institution, There is no justification, no matter the client started to fill the application as I did, if any potential customer decides not to submit the application, the application can't be submitted and much less, the hard inquiry can't be made because it was not authorized.
Product: Credit card

On XX/XX/XXXX I spoke to an agent who assisted me with setting up a payment of {$350.00} over the phone. I then changed the payment to {$80.00} which was drafted from my account. After that payment I set up Other payments to be drafted. 10 days later I get an email from the credit card company that my account was charged off and sent to collections for the amount of {$590.00} which is incorrect. The original creditor was still drafting payments.
Product: Debt collection

Debt was paid by Medicaid and this company is reporting this to the credit bureaus
Product: Debt collection

I was wrongfully terminated on XX/XX/2023 by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) due to a third-party debt collector by the name of Pacific Coast Credit that sent a Writ of Garnishment. The company is wrongfully trying to collect a debt that is past the statute of limitations using rather moot legal documentation showing stamped dates crossed out and hand written dates entered. 

Since my wrongful Termination on XX/XX/2023, Pacific Coast Credit has been in contact with not only my recent ex-employer but has also contacted potential future employers where I have merely conducted trial interviews. Pacific Coast Credits attempts to collect debt while Im unemployed is wrong. They are contacting potential job opportunities before I even get a chance to get hired. This is a direct threat in my efforts to find a job. Unfortunately, because of this I have been unable to sustain or find gainful employment due to Pacific Coast Credits hasty & unfair collection practices. 

I am unemployed and I'm working through the process to try and collect unemployment and look for suitable work so that my family and I can keep our home we purchased two years ago from going into foreclosure. 

I have asked them to cease and desist all calls and contact with me or with anyone affiliated with me immediately by way of a certified and letter and email. 

Regards, XXXX XXXX ( XXXX ) XXXX Cell
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On the dates of XX/XX/XXXX, and XX/XX/XXXX, I reached out to the agency through certified mail, informing them that I had been subjected to identity theft. Yet, as of XX/XX/XXXX, the agency persists in including the fraudulent information in their reports. Under Section XXXX, which covers the Blocking of Information Resulting From Identity Theft, it is mandated that consumer reporting agencies alert the entities providing the information, such as banks, that the details might stem from an instance of identity theft, corroborated by an identity theft report. I supplied them with the FTC report number XXXX, along with a requested block on the disputed information. Following such notification, Section XXXX ( a ) ( XXXX ) obligates the providers of this information to cease the reporting of any details in a consumer 's file that the consumer flags as resulting from identity theft. This action should be taken no more than 4 business days following the receipt of ( 1 ) proper verification of the consumer 's identity ; ( 2 ) a duplicate of the identity theft report ; ( 3 ) consumer indication of the specific information in question; and ( 4 ) a declaration from the consumer that the disputed information does not pertain to any transactions initiated by them. 
I have fulfilled all four of these stipulations, and documentation supporting this claim will be appended to my complaint. Currently, the agency has not adhered to the Federal Credit Reporting Act ( FCRA ) 15 U.S. Code 1681c2, which obligates the blockage of any information in my file that I have pinpointed as deriving from identity theft within 4 business days of them receiving such notice. This neglect constitutes a breach of law and renders the agency civilly liable for willful non-compliance, with me entitled to any actual damages incurred as a consequence of this oversight, as per 15 U.S. Code 1681n.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX  went to get me a car and my credit was very low in the XXXX my credit has never been so low they are not updating my credit and things are on my credit that should not be my credit report should be a XXXX that is not fair I can not get a car with a XXXX credit score
Product: Debt collection

Similar to complaint filed on XX/XX/XXXX XXXX XXXX XXXX ( XXXX  ) store credit card ... writing this complaint again, against XXXX XXXX  ( corporate headquarters XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX ) who also holds XXXX XXXX XXXX XXXX store credit card. 

Received phone call on XX/XX/XXXX from XXXX XXXX collection agency w/r/t debt owed to XXXX XXXX  XXXX XXXX. Debt total {$340.00} ( due to late fees and interest charges ). ( Reference number XXXX ) Also spoke with XXXX XXXX XXXX ( phone number XXXX XXXX to discuss this issue. They confirmed statement were mailed to old address of XXXX XXXX XXXX, XXXX, NY XXXX. 

When this first happened, I inquired about the XXXX XXXX account on XX/XX/XXXX. A customer service representative, XXXX, indicated my address had been changed as of XX/XX/XXXX, to an address of XXXX XXXX XXXX, XXXX NY. This is my previous ( last ) address. My current address, where I have resided for 10+ years, is XXXX XXXX XXXX, XXXX NY . ( In fact I received my last XXXX  statement in XX/XX/XXXX at this current address ). When I asked how the address got changed, no one could answer my question directly, other than the system had changed it. ( Please note at no time this year ( XXXX XXXX did I call XXXX XXXX  to change my address back to a previous address of XXXX XXXX XXXX, XXXX NY ) Therefore, same incident ... XXXX XXXX XXXX XXXX statements mailed from XXXX XXXX, incorrectly mailed to previous address. 

I am willing to pay the original amount due to my XXXX XXXX XXXX XXXX statement/invoice. However, feel I should not have to pay late fees and interest charged, as I was not receiving statements due to XXXX XXXX  system failure. 

Thank you for your time and consideration
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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

I have asked the credit bureaus to do a investigation of credit report and stated everything was accurate. I did a thorough research myself and found improper accuracies on my credit report. Even after they did a thorough research. 

Name : Capital one Below you will find inaccurate dates : Date opened is inaccurate Last payments are inaccurate Last reported are inaccurate Last active is inaccurate Account # : XXXX XXXX XXXX Account Type : XXXX XXXX XXXX Account Type - Detail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Account Status : XXXX XXXX XXXX Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$1700.00} {$1700.00} {$1700.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$1700.00} {$0.00} {$1700.00} Credit Limit : {$1500.00} {$1500.00} {$0.00} Past Due : {$1700.00} {$1700.00} {$1700.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Accounts closed by XXXX XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX In accordance with the fair credit reporting act convergent accout XXXX, has violated my rights. 

XXXX5 u.s.c 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: Mortgage

Earlier this year my loan had gone through a loan modification through Loan Care. I have always made my payments on time, but by XXXX 2021, I started to receive automated and live phone calls from Loan Care . While some of the representatives were respectful and " pretended '' to be helpful, there were several that were not. Each call inquired as to why I had not made a payment and the ones that were disrespectful, were demanding and belittling. Each individual I would have to explain I had made every payment on time, but for some unknown reason Loan Care was moving my payments to another account, which made it appear as if I had not paid my mortgage. They would check and discover what I was saying was the truth. Each representative/supervisor/manager/ would add a note and advise " you will not receive any more phone calls. '' However, the phone calls continues and by XXXX I had spoken with Loan Care representative over 20 times, from their Collections, General Representatives, and Mitigation department, spending over 30 hours on the phone. This is not including their automated phone calls, with an approximate number of an additional 30 phone calls. 

Also in XXXX I received paperwork in the mail, from Loan Care, that I needed to make a payment or my property would be foreclosed. I again spoke with another representative who was finally able to correct Loan Care 's mistake and moved my money to the correct account. I had enough money, that I was one month ahead of payment and still had nearly {$700.00} credit on my account. 

However, this did not stop the phone calls, since XX/XX/2021 to XX/XX/2021, I have received an additional 30+ phone calls. Every time I received a live phone call ( where I am speaking with a representative ), I have to tell them to review their notes and ask why they are calling me. Each time they apologize and advise they are from the Collections Department from Loan Care. They each advise they have added a note to my account and I " should '' not receive any further calls... .which is untrue. Today specifically I have received 4 automated phone calls and one live phone call, where the representative called me to tell me his computer is not working and placed me on hold for nearly 10 minutes. I had to ask him several times why he was calling and he would just advise his computer was not working, but to " hold. '' After 10 minutes, he told me to call him back " when my computer is working. '' I advised him I would not call him back, as I am tired of the harassing phone calls and mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

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

Someone got a hold of my personal info & tried opening 2 accounts. Now there are 2 inquiries on my report that reduced my score I have a credit freeze on all 3 bureaus
Product: Credit card or prepaid card

I closed this account YEARS ago and continued to get XXXX balance statements. Finally last month I received a statement that had a small charge that had been reversed. I decided to call and find out why this account was evidently still open, even though I closed it YEARS ago. They said it was still open, I just received another statement. Saying my balance was XXXX. Minimum payment listed and everything. I am concerned that this company is refusing to close my account. Much like XXXX XXXX, they want a certain number of customers and accounts to look good on there business prospective. The name on the card is XXXX XXXX. My name before I married several years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently decided to start looking into my credit score, I had it ran, saw the auto loan was on my credit and needed it removed. I sent Credit Acceptance corp a request for information on the loan on XX/XX/XXXX, it was received via certified mail XX/XX/XXXX. On XX/XX/XXXX, also via certified mail, they received a request to remove the claim on my credit. As of XX/XX/XXXX, I haven't received any response from credit acceptance,
Product: Credit reporting or other personal consumer reports

Inaccurate information and accounts on my report
Product: Credit card

SYNCB is reporting an old ( 7+ years ) negative account on credit report with balance due and attempting to collect debt even after they provided letters stating they have terminated their collections and not reporting this account to the bureuas. See attached letters received from syncb/mervy 's account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 

Please delete these accounts from my credit report if you can't provide these 4 things below 1. The Original Contracts With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchants ) 3. The Payment History and Itemized Billing Associated With These Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) 1. Account Name : XXXX XXXX Account # XXXX 2. Account Name : XXXX Account # XXXX 3. Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX 4. Account Name : XXXX XXXXXXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and Grand Day. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. In addition, it is very difficult trying to obtain a suitable financial lifestyle for my XXXX children and I. Not only have I been denied apartments and homes, I'm also unable to obtain basic checking accounts at any financial institution, also considering that I am a current student it is highly unfair. Please delete the items as soon as possible with urgency. 
Thank in advance,
Product: Debt collection

I have a credit card with Capital One. I paid the " balance '' in full on XXXX for XXXX XXXX payment was due on XX/XX/XXXX. I have received finance charges and late fees since then. The statements are deceptive and not clear. The " new balance '' on the following bill is not correct by the time the bill is received. The closing date is XX/XX/XXXX, a bill goes out the next day, and by the time the customer ever receives it via mail the " balance is already not correct. This is deceptive practices by any company that does this, the term balance should never be used if that's the case. This is a set up for perpetual fees and is not fair to any consumer. 

Based on regulations companies are required to follow. It needs to be obvious and not difficult to understand the rules. This practice of added FC after a bill is paid in full before the due date, based on the statement they have provided is theft.
Product: Debt collection

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Section 803 ( 6 ) which states that " the term 'debt collector ' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. ", " Cooling and Winter, LLC '' hereinafter referred to as " the XXXX XXXX XXXX '' is a debt collector. On behalf of the XXXX XXXX XXXX, debt collector XXXX XXXX. XXXX filed a lawsuit ( Civil Action No. XXXX XXXX XXXX XXXX ) in XXXX County State Court indicating that he is an attorney which is false and misleading pursuant to FDCPA Section 807 ( 3 ) on XX/XX/2019, on behalf of XXXX XXXX XXXX  ( XXXX ) XXXX. hereinafter referred to as " the Bank '' who is a debt collector pursuant to FDCPA Section 803 ( 6 ). On behalf of the Bank, I was served a summons by the XXXX County Sheriff 's Department who collects debts as a third party on behalf of XXXX County Superior and State Courts hereinafter referred to as " the Debt Collection Courts ''. On behalf of the Debt Collection Courts and the Bank, the service of summons by the XXXX County Sheriff 's Department was unauthorized third party communication to the consumer pursuant to FDCPA Section 805 ( b ). On behalf of the Debt Collection Courts, The XXXX County Sheriff 's Department violated FDCPA Section 807 ( 11 ) by not disclosing in their initial communication with the consumer " that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose ''. XXXX  XXXX XXXX  ( XXXX ) XXXX. ( the Bank ) has violated my rights as a consumer by violating several sections of the Fair Debt Collection Practices Act.
Product: Debt collection

I have called XXXX in XX/XX/2018 about having my pay collection account take off of my report. It have been 41 days and it still on my credit.