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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked my bank for credit increase and was refused. Seen on the letter they mailed explaining why.. My credit score was not correct they are giving my bank incorrect info on my credit reports ... When i attempted to fix the problem by calling their business line their system refused to even allow me to talk to anyone human which would be the only way to figure out why they are sending wrong credit info to my bank ... .. So im here creating a report of fraud because they are not even trying to let me fix it ...
Product: Credit card

On XX/XX/2023 I received an email from JPMorgan Chase that they were reviewing a new request for a Chase Freedom Unlimited credit card application. I have never had a credit card with them and did not request one. I called them and let them know. They told me they flagged this as fraud and cancelled it and that they will be correcting the credit inquiry on my credit report. 
This is the XXXX occurrence in less than a month. They refused to share any information on the credit application. They also said it's impossible for them to not run my credit when they receive an application.
Product: Credit reporting, credit repair services, or other personal consumer reports

All the accounts that are listed on my credit report was not given permission to share my social security number with anyone and the distributed it without my consent. They all have violated 15 USC 1681, 15 USC 1681 Section 602A, 15 USC 1681 Section 2 of 604A. I have sent all information to both Experienced and XXXX and have not gotten the problems corrected. XXXX XXXX XXXX, XXXX, XXXX XXXX, Sallie Mae, XXXX, and XXXX Bank all violated according to the XXXXXXXX XXXX XXXX of 1863, 31 USC 5118, 15 USC 1602g, UCC 3-104, 12 USC 1431 , and 42 USC 408 . All were sent out negotiable instrument from attached statements as well as approved 1099-A payments and all of the companies kept the negotiable instruments as payment but didn't apply it to my account. I sent all companies a copy of my documents with a Conditional Acceptance Letter. I do not owe neither of them because I am not the person of the " all caps '' name. I am the representative of that person and they knowingly sent the information without consulting me. I request the original primossary note, 1099-A, that was filed according 15 USC 1666D , 15 USC 44 , and 12 CFR 1026.17 that is defined in the IRS Publication XXXX. Still have not gotten that and its been since XXXX. Everyone was asked to provide me with proof of claim that the credit agreement was a lawful and enforceable contract signed by both parties giving equal consideration. As well as asking for proof of claim that they had my consent to issue any of my personal trust information to any third party pertaining to valid lawful agreement signed by both parties.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX i filed a complaint against Eastern Revenue For reporting an account on my credit report. Asked the company to provide me with a purchase agreement to prove that they in fact did legally own the debt in question and could collect or report this information on my credit report. 

Eastern Revenue Responded to my complaint on XX/XX/XXXX and said they closed the account in question and would send a deletion file to the XXXX XXXX XXXX 

THIS IS NOT ENOUGH MY RIGHT WERE VIOLATED! 
The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education.FERPA gives parents certain rights with respect to their children 's education records. These rights transfer to the student when he or she reaches the XXXX XXXX XXXX or attends a school beyond the high school level. Students to whom the rights have transferred are " eligible students. '' Generally, schools must have written permission from the parent or eligible student in order to release any information from a student 's education record. However, FERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) : School officials with legitimate educational interest ; Other schools to which a student is transferring ; Specified officials for audit or evaluation purposes ; Appropriate parties in connection with financial aid to a student ; Organizations conducting certain studies for or on behalf of the school ; Accrediting organizations ; To comply with a judicial order or lawfully issued subpoena ; Appropriate officials in cases of health and safety emergencies ; and State and local authorities, within a juvenile justice system, pursuant to specific State law. 
Schools may disclose, without consent, " directory '' information such as a student 's name, address, telephone number, date and place of birth, honors and awards, and dates of attendance. 

I NEVER GAVE XXXX XXXX primission wrtitten consent to share my educational records and Eastern Revenue does not fall under any of the parties that could is allowed to receive such information from a school without having my consent according to FERPA.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or a 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 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 or 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 or other personal consumer reports

I noticed on my credit report recently that a collection account was placed on my reports from a company trying to collect a debt for XXXX XXXX XXXX supposedly. I have not heard anything from the company or received any notification from them saying the account had been placed with them. I have no idea how to contact them or even try to pay them. I tried disputing with XXXX and TransUnion saying I had no information about this company but both disputes resulted in them keeping it on my credit report. What should I do to even find out who this company is?
Product: Credit reporting or other personal consumer reports

XXXX notified Navy Federal to cease the sharing of nonpublic perusal information to third parties. In addition, to the impermissible purpose, their prvacy policy and contracts states " we may '' share your Data. I have directly expressed they " may not ''. 

Navy Federal is ignoring the opt out request that I have expressed in the Navy Federal Portal. XXXX has a right to privacy
Product: Debt collection

I had an identity theft and provided the police report and id theft package ( we now knew who did this via the FBI contacting me ) via fax last night they claimed they never received it previously. I called to day to verify if XXXX received it, she told me she had, She said she had competed her investigation and had determined I owed the debt and that if I did not pay by credit card right now she would have me arrest and thrown in jail. I told her it was illegal for her to to try to collect a debt a debt I do n't owe and to say she would have me arrest and I demanded she provide me the method and results of her investigation in writing, she refused and finally put the owner of the company on the phone. The woman said she was XXXX and refused to give me her last name. She also said she had reviewed the account and has concluded I owed the money she also demanded payment of these debts I do now owe, I told her she was breaking the law telling me she was going to sue me, she is refusing to show the method and findings of an investigation concluded in less than 10 hrs after receiving the ID theft and police report. I plan on hiring an attorney to sue these people and need your help in obtaining their names etc so I can file a complaint against them in federal court. I have just received a very large inheritance and I now have the money to hire an attorney. XXXX of the acts is XXXX XXXX XXXX XXXX XXXX XXXX ER XXXX XXXX XXXX XXXX I I have spoken to him he has never treated me
Product: Credit card or prepaid card

Citibank called to inform me about a possible fraudulent {$3000.00} guitar purchase in Tennessee in XX/XX/XXXX. I informed Citibank I did not make the purchase. CITIBANK said it would be taken care of. Citibank did not correct the charge and proceeded to make automatic monthly payment withdrawals from my checking account, unbeknownst to me, until I noticed it in my bank statement this month. Citibank had me pay a XXXX, XXXX minimum payment so that my credit rating will not be affected until Citibank purportedly will resolve the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX This letter is a formal request to delete the inquiries listed below from my credit report. To my knowledge, I have not signed any documents authorizing the companies listed to view my credit history. With that being said the inquiries are violating the Fair Credit Reporting Act, Section 1681 b ( c ) : Transaction Not Initiated by Consumer and need to be removed immediately. 

1. EQUIFAX MORTGAGE SERV - Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX. XXXX XXXX - XXXX on XX/XX/XXXX XXXX. XXXX XXXX - XXXX on XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX. EQUIFAX MORTGAGE SERVICE- Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX When the inaccurate information has been removed I would like a copy of my credit report mailed to me. The report should include all personal information, all other inquires, and all balances updated. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX inquiries that I don't recognize XXXX XXXX Inquiry : XXXX. XXXX, 2023 XXXX XXXX XXXX : XXXX. XXXX, 2023 XXXX XXXX : XXXX. XXXX, 2023 XXXX XXXX XXXXXXXX XXXX # XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX : XXXX. XXXX, 2023
Product: Credit reporting or other personal consumer reports

XXXX has fraudulently reported to Experian my closed account as being in collections despite that the account was fully paid. I disputed the entry on my credit report with Experian and sent to it a copy of the final bill that XXXX sent to me that states I have a credit balance with XXXX. On XX/XX/year>, Experian reported that it had completed its investigation. However, the extent of its investigation was to simply send to XXXX the final XXXX bill that I sent to Experian. It did not perform any investigation to determine what XXXX submitted to support its false assertion that my account is in collections and that I have a balance due on my account despite what XXXX stated in my final bill. Nor did Experian even acknowledge that I have a final XXXX bill showing a credit on my account which clearly contradicts XXXX 's assertion and should have caused Experian to remove the false entry by XXXX from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TXXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX 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 can not furnish a account with out my written instructions
Product: Debt collection

I was a passenger in a car accident and recently discovered that the medical debt was supposed to be covered by XXXX XXXX, the driver 's personal injury insurance. I requested a bill from Ability Recovery Service for the outstanding debt, which amounted to approximately {$470.00} USD. 

After obtaining the bill, I had XXXX XXXX XXXX XXXX Claims representative send a check for the full amount owed and emailed the check number to Ability Recovery Service. Despite this, Ability Recovery Service initially provided me with a Satisfaction letter, indicating the debt was resolved. However, they later called me to inform me that they had not received the payment and were reversing the deletion, threatening to report the debt to credit bureaus. 

When I contacted XXXX XXXX, they confirmed that the check had been deposited and provided proof of the signed check stub. The floor manager at Ability Recovery Service, XXXX, admitted fault, acknowledging that they had mistakenly applied the check to another account. 

Despite promising to provide a receipt or letter of satisfaction by the end of the day, XXXX failed to do so. Additionally, when I called from my original number, they screened the call, but promptly answered when I called from an alternate phone, only to hang up upon realizing it was me. 

Furthermore, XXXX falsely claimed to XXXX XXXX and me that they were reporting to the credit bureaus was every other Friday, making it XXXX XX/XX/2024, which was later confirmed to be untrue by another employee at Ability Recovery Service. I expect Ability Recovery Service to rectify their mistake, issue a satisfaction letter for both my records and XXXX XXXX, and promptly report the deletion of debt to credit bureaus. They are implementing predatory business practices, as well as false reporting- in which they should be held accountable for.
Product: Vehicle loan or lease

{$16000.00} dollars is what i was told i need to pay before i can pay off my car interest and then i can finally start to pay on my actual loan. There was and issue that started back in XXXX of 2019 that started this whole spiral, since then i have been paying back what i can when i get the money. Every month up until this day ive have been paying something however nothing i pay going to my loan. I have called several times over the past few months and have gotten nowhere with the company ( Sandtander Consumer USA ) and have only spoke with disrespectful agents that had been no help what so ever. Ive contacted the XXXX  and they were useless.
Product: Mortgage

SPS Servicing has XXXX on their staff who are tricking customers into revealing information and prying into the personal business of consumers and then assigning relationship managers who are overriding company communications such as covid deferrals to say they are foreclosing. The automated system states the deferral was approved whereas they are sending foreclosure letters and XXXX  dealing XXXX are destroying the American dream when people need time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a medical bill from XXXX XXXX center for {$150.00}. I had paid this bill already, but it showed up on my credit report as a collection. After arguing back and forth and not being able to find record of the payment, I paid it again but they refused to remove it from my report and changed the status from a collection to a late pay! XXXX XXXXXXXX XXXX is how its listed on my credit report. I called Experian and told them to remove the entry and they said they could not because XXXX and XXXX XXXXXXXX XXXX  both had it coded as something other than a XXXX ( XXXX  ). 

I called XXXX several times and they promised to return my call ( s ) and never did. 
This has been going on for nearly an entire year! consequently, I've been denied credit on several occasions due to this issue. I would like resolution ASAP. 

THANK YOU
Product: Checking or savings account

XX/XX/XXXX XXXX recongnized some fraudulant activitiy on my checking account. I contacted the customer Service Line in regards to the wrong activitiy. They Stated that they handled all the fraudulant activitiy and that the Checking Account was positive in the amount of XXXX this was XX/XX/XXXX. Than the lady prceeded to inform me that the account was closed and that they would only be recieving deposits though. Until they got a noterized letter from me stating to close the account. I typed up an Offical Letter and sent all the staements marking all the fraudulant activity on the account. In the form of a Certified mail via USPS. XX/XX/2021, I called to follow up on this matter as My Bills were stacking up and I still had not recieved my money. The lady who always seams to answer my calls refused to let me talk to anyone else. I called the MAIN Branch directly and finally got some answers. They supposedly did not get the Noterized Certified letter statements. So I had to do it all again. This time I could not access my statements so everything was all done by memory to the best of my knowledge. I sent it via EMAIL. At no point have I ever recieved a call from them AT ALL. So i followed up on my email and yes It was recieved XX/XX/2021. Now well into XXXX, XX/XX/XXXX to be exact no one has yet contacted me. I have been witing for my XXXX and some change to be released to me for months. I NEED HELP. My car is up for reposession now cause I have not been released my money. Can you help me?
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

ON XXXX AND XXXX I CONTACTED EXPERIAN ON INCORRECT UNAUTHORIZED CREDIT INQUIRIES I DIDN'T AUTHORIZED ON MY CREDIT REPORT TO BE REMOVED I ASKED THEM TO REMOVE AND EXPERIAN HASN'T CONTACTED ME OR REMOVED UNAUTHORIZED INQUIRIES
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize XXXX to run my credit, this information is incorrect.
Product: Mortgage

I applied for assistance after falling behind on my mortgage. PHH has demanded items from me that I have already provided. They initially said they wanted my bank statements with circles on them showing the rents I receive for income. They already had the bank statements with check marks. They said it has to be circles. So I sent those in and now they are calling saying that is not enough. They want circles with the loan number written next to the circle. So I have now sent them the statements with checks and circles. My attorney says this is not necessary and they are playing games with me like they have in the past. This is a violation of Respa Regulation X 1024.41 in which they are required to review my application once it is complete. Making up things to do like circles and not checks is not something that can cause a file to be complete or not. There are not rules or regulations about checks or circles. This company MUST be fined and reviewed for this type of violation of Respa.
Product: Debt collection

I have uploaded a credit report from XX/XX/XXXX showing the exact same collection with XXXX XXXX XXXX and the date of last activity with the credit grantor was XX/XX/XXXX, which means this collection was due to drop off this year in XXXX. It was apparently transferred to Commonwealth Financial Systems to start this all over again, which is against the Fair Credit Reporting Act. I have not had any contact with the original credit grantor since XXXX, so Commonwealth is not being honest with their previous response, which I included. I want proof from Commonwealth Finance of any updates to " reflect activities, such as balance changes, payments, disputes, closings, etc. ''