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 Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX. XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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

Original notice of Dispute to BMW Financial Services was signed for and received by them on X/XX/2017. I advised them they must validate the debt and " Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
They did not respond within the 30 days required by the FCRA & FDCPA. I sent a follow up letter notifying them of their violation. They received and signed for the 2nd letter X/XX/2017. They sent a letter X/XX/2017 stating they did n't believe it was from me and that they thought it was from a credit repair company and their policy is to only respond to requests sent directly by customers. This was their attempt to disregard the fact they had already broken the law with their failure to respond within 30 days to my original letter.
I sent a follow up letter which they received and signed for on X/XX/2017, notifying them " There is no verbiage in the Fair Credit Reporting Act or and/or the Fair Debt Collection Practices Act that allows for a creditor to not respond or place a " notice of dispute '' on my account within 30 days of my dispute due to a " reason to believe '' the request was n't sent directly by the consumer/me. Further, there was no attempt within the original 30 day timeframe made by BMW Financial Services to inquire as to whether the request was sent by me, it was assumed it was n't me. My original dispute was legally valid and you failed to respond within 30 days, period. '' There has been no further correspondence sent by BMW Financial after receipt of this letter on X/XX/2017 and they still have not placed a " notice of dispute '' on my credit report nor have they " validated the debt ''.
Product: Credit card or prepaid card

Today on XX/XX/2021 I got an e-mail from AmEx saying they were closing my account. When I called them they said the reason they did so was because I has serious delinquencies on my record. So if said serious delinquencies were a thing on my record why did they even give me a card in the first place?
Product: Student loan

Navient is reporting that my account is 90 past due. This is not true because my account is in deferment. The account was never 90 days past due. The account shows I still owe money. I do not owe money at the moment.
Product: Checking or savings account

On XX/XX/2024, I attempted to transfer {$1000.00} via XXXX and it wouldn't go, it said I was locked and to call the bank, so I did. I had my boyfriend helping me with it, because he was more familiar with the process then myself. I got a hold of a rep from the bank who stated they have to transfer me to the fraud department, once transferred the rep from the fraud department was unhappy that my boyfriend was speaking in the background. She kept asking me security questions over and over again, looking for a reason to call it fraud. She asked do I have a second phone number on the account and I said no forgetting that my boyfriend was on the account also, she got her reason to determine fraud. She said someone will get back to you and released the call. Once this was done I lost all access to my account and no one will tell me what is happening. This is crazy, I went to an in person bank and had no issues. I was able to answer all the other security questions from Ally and not at one time did they ask to see my ID or anything.
Product: Money transfer, virtual currency, or money service

I purchased a {$100.00} google play card at XXXX store in XXXX XXXX Oregon but I couldnt use the card cos I get an error code whenever I try to redeem the card needs more information. 
Date : XX/XX/2022 Amount : {$100.00} google play card Company : google play card I contacted google but few days later I got a response like appeal isnt eligible I need my card activated for use.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such an account and also other documents so I may review to see if this is actually an account that belongs to me.
Product: Bank account or service

Citizens put a hold on money I deposited for more than their normal two days, they never notified me of the extended hold. They have released other checks I have deposited made out to my husbands business with the normal two day hold if they were going to have an extended hold they should have notified me or returned the deposit. They let me take cash out on the deposit and transfer money in to my savings account they put the extended hold on the account to collect ADDITIONAL FEES
Product: Debt collection

Meridian Financial Services called me twice and was extremely rude. I asked for Corporate address and contact information so I can provide documents showing that I have not owned the property that they are trying to collect on for years. I can not get to the information I need because the collector keeps harassing me about a payment and cutting me off. On XXXX/XXXX/16 they called at XXXX XXXX and hung up after I asked for more information.
Product: Mortgage

Closed on home XXXX/XXXX/17. Noticed that I do not have any signed copies that I signed with first title insurance. My loan officer made copies of the papers prior to me getting the binder. I contacted both offices prior by phone or email requesting information and this loan has sent sold to U.S. Bank. I do have bond for my property that appears to not have been signed at closing.
Product: Credit card or prepaid card

Capital One-Credit Card applied for in my name on XX/XX/2022 XXXX XXXX- credit card applied for in my name XX/XX/2022 Has created hard inquiries and dropped my credit score I believe this is a former love interest utilizing my information and want to press charges.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

On XX/XX/XXXX my credit report is showing inquiries from CREDIT PLUS company. I did not authorize these inquiries and would like them removed immediately from my credit report. 

Name of company - CREDIT PLUS Date of Inquiry Type of business XX/XX/XXXX CREDIT PLUS XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX
Product: Debt collection

I received an email message from Frontline Asset Strategies on XX/XX/2020 indicating " They have been trying to reach me to resolve an outstanding balance with XXXX XXXX XXXX ''. Furthermore, the header message of the email is as follows : " Action required. Your account may be forwarded to an attorney. ". XXXX XXXX XXXX sold my account to XXXX XXXX several years ago. There was an outstanding balance, which was settled for less, with a company previously engaged on behalf of XXXX XXXX. The representative at that particular company was a woman named XXXX XXXX. Although, despite my countless attempts to receive a formal " settlement agreement '', I was advised upon payment of the agreed upon installments, my account would be marked paid in full. Subsequently, XXXX XXXX continues to attempt to collect the small remaining balance and has negatively impacted my credit rating as a result of failing to " satisy '' my account. XXXXrontline Asset Strategies message is as follows, " We have been trying to contact you to help you resolve your outstanding balance of {$510.00} with XXXX XXXX XXXX XXXX.. If we are unable to assist you while your  account remains in our office, our client will recall your account and may forward it to an attorney. Please avoid this situation by selecting one of the following payment options : A one-time payment of {$250.00} XXXX consecutive monthly payments of {$25.00} XXXX XXXX Strategies has implied there is monies owed to XXXX XXXX XXXX XXXX., Frontline Asset Strategies has misrepresented on whom they are acting on behalf, Frontline Asset Strategies sent a clear text message to a shared email address  containing confidential information, Frontline urges immediate payment or face to the account being recalled and sent to a lawyer, Frontline Asset Strategies implied they have been trying to reach me, this was the 1st communication I had received from Frontline Asset Strategies. XXXX XXXX had been notified of the balance dispute via a direct filing with the credit reporting agency. XXXX XXXX has not taken any action, nor provided any response to the credit dispute. In countless way, Frontline Asset Strategies and XXXX XXXX have violated rules under the FDCPA.
Product: Mortgage

We submitted documentation in an attempt to have our mortgage modified so that we could pull out of the Chapter XXXX Bankruptcy that we are currently in. We have made XXXX regular mortgage payments to the lender as well as XXXX payment to the Bankruptcy Trustee since entering Bankruptcy, and we 're trying to have the mortgage modified. We 've sent all of the financial documentation they 've requested and each time we submit paperwork we 're being told something is missing. We 've made several calls to the company to find out who is working on our request so that we can fax what they 're requesting and then follow up the fax with a phone call, but they refuse to provide us the full name of the person supposedly working on the request, and they refuse to give out that person 's direct extension phone number as well. They will only provide a first name of who is supposedly reviewing our paperwork and a fax number. Then when I request to speak with a supervisor they refuse to provide the supervisor 's name or extension they only transfer you to a voicemail. I do n't feel they are acting in good faith on our request and are engaging in fraudulent lending practices.
Product: Credit reporting

I disputed XXXX Items on my report with experian for re-aging of accounts as accounts were bought by debt collector. Have been paid but do not show the original date of delinquency from original creditor just date debt collector bought and closed. I received response to MY MOV ( method of verification ) LETTER in which they supplied no proof of an investigation and left XXXX accounts on file saying information updated. Now XXXX and XXXX both removed items immediately. Experian chooses to keep listing and as a matter of fact these accounts have been disputed 4 times already along with others and not once has any method of verification been done. You, consumer protection have filed one before for me and it seems all they do is ignore you and ignore myself. Im really getting tired. They have also locked me out of their online site. The object is to one keep people from filing complaints and two to not do their job properly. In mean time consumers get screwed. Im not asking for this to be investigated or reinvestigated or re re investigated as they have had more than ample time to do since first dispute filed in XX/XX/2017. Last being in XX/XX/2017. I want these items totally removed immediately just as XXXX and XXXX did. From now on these companies need to start supplying proof they actually did a proper investigation and supply the names and numbers of people they talked to directly along with documentation. This XXXX has to stop. The XXXX accounts I have included the last request for method of verification with this. I request this also be sent to FTC as this is rediculous you cant get anyone to do their job. Experian response came to me dated XX/XX/2017 Report XXXX I think experian needs to learn law when a request for method of verification is sent to them it isnt to send a form letter or start a new investigation of already supposedly investigated information its to provide proof as sited in the courts that a legitimate and proper investigation was done and if they have no proof they shouldnt report item. Time is out going on XX/XX/XXXX days by law they have 15 days no proof then remove items. I just dont get this company experian. Im learning quick that violating law is how you run a business.
Product: Debt collection

Recently I noticed an outstanding debt on my credit report from an account I have no knowledge of. This account appears to be from a line of service through XXXX XXXX and now has been placed on my credit as collections. I have never had service through this company nor have I extended my personal information to obtain services either. This account states that it was open back in XXXX of this year 2018.
Product: Debt collection

National credit systems failed to validate The debt that they say I owe. I have sent them a letter on XXXX XXXX, 2017 for validation of that section 809B fair debt collection practices act and it has been over 30 days and they still have not responded. XXXX XXXX on XXXX XXXX, 2017 excepted The certified mail on behalf of national credit systems. So I have proof that they got the letter but they are refusing to validate the debt within the 30 days and no response from them. Therefore this negativity should be deleted from my credit report XXXX XXXX XXXX. National credit systems is Breaking my right.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX Account Number : XXXX XXXX  Account Number : XXXX
Product: Credit card or prepaid card

I received two pieces of mail to my home. One claiming a potentially fraudulent card was applied for in my name for a Home Depot store card provided by CitiBank. Looks very real. The second letter, arriving one day later claims I am approved for this card. Both of these letters look real. At no point did I apply for a Home Depot card.
Product: Debt collection

in accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and removed from my credit report. It is my understanding that you will conduct a verification process with the creditor responsible for posting this information. I kindly ask you to delete any data that the creditor fails to verify. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. 

Please send an updated copy of my credit report to the address provided above. According to the act, I should not incur any charges for this updated report. Additionally, I request that you notify anyone who has obtained my credit report within the past six months about the corrections made. 

Thank you for your attention and assistance regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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. 

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 Account name : XXXX XXXXXXXX, 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 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.

15 U.S. Code 1666b 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.
Product: Vehicle loan or lease

Ally financial billed me for {$2200.00} XX/XX/2021 I objected to the amount and they told me it was a mistake which was a computer generated invoice and said they would send a corrected amount. 
They then sent an invoice for {$950.00} without any breakdown of charges. 
I called and asked for the detail and was it would be mailed. No detail invoice was ever provided. They began harassing me with collection calls and I repeatedly asked for a detail invoice. This went on for quite a period of time. Eventually they said they would email the invoice and on XX/XX/XXXX they invoiced the original incorrect invoice in the amount of {$2200.00} They continue to make harassing calls and refuse to provide a breakout of charge. 
In one conversation the agent said I owed some personal property tax and daily charges for the turn in date after lease expiration but the dates don't coincide with the actual return date. I was told I could email XXXX. for end of lease issues and I did but she doesn't respond. I also called her line at XXXX. She does not return calls either. All of their emails come from a " noreply '' account so I can not communicate to them via email. 
I would like to resolve whatever amount is due but I can not get any cooperation from anyone at Ally. Your assistance will be appreciated. Ally financial should be suspended from providing any financial services to the public.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an investigation with Transunion for the XXXX XXXX collection account around XX/XX/2022. They responded back with a letter on XX/XX/2022 saying the information reporting was VERIFIED as ACCURATE. I requested that the account be deleted because the info was NOT ACCURATE. XXXX funding has been reporting this bad account information for the past 3 years and it has had and still have a negative impact on my score. I do know that a collection agency should not be reporting a PAST DUE amount at all. And i never received a letter from this company when they obtained this account prior to them reporting this information to my credit report. That is a violation of the FCRA and FDCPA. And because of this unfair reporting i have been denied credit with certain companies over the years as well. Please have them delete this account PERMANATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I, 602A, and 602 A Section 2 ), I am practicing my right to challenge questionable information that I have found on my personal credit report. Incorrect and conflicting information was reported inaccurately with two credit reporting agencies. I have contacted XXXX, XXXX, and Transunion regrading an inaccurate reporting of a court bankruptcy public record from XXXX, which is no longer list on my XXXX Credit Report. I have asked for this discrepancy to be removed from my XXXX and Transunion XXXX XXXX.
Product: Debt collection

I have repeatedly asked XXXX XXXX and XXXX to dispute the validity of this account but this creditor ( Flagship Credit ) formally ( XXXX ) says that its my loan. Ive stressed many times that this does n't belong to me and have asked for loan documentation and a letter of validation to only be told it was sent and it cant be sent again, I ask where was it sent to and they cant say.
Product: Money transfer, virtual currency, or money service

I opened this ticket on XX/XX/XXXX. As of today, no resolution. 

I am out of {$2000.00} and the coins are not available on Binance.US account for me to trade or move or sell. 

This is criminal! 

I sent them also the screenshots of the purchases showing on the site with the note that I had to wait to use the coins Plus the screenshot on how it looks now : no option I can chose. Nothing I can do with the coins which show XXXX in the Assets list See attachments as proof. 

I also have the emails where they confirmed the 4 times purchases ( which was a mistake as the site gave FAILURE after each transaction except for last XXXX ) XXXX  XXXX, 2021, XXXX XXXX My transaction gave me error 4 times but the transactions went through 4 times and I only meant to do it once Hi, I sent this ticket more than a month ago. Only today I was informed that the email I sent the ticket from was wrong!! 

This is such a disservice. 

I am out of {$1500.00}!!!! 

The 3 transactions did not go through. They gave error and then, after the 4th one went through, I saw all of them going through. 

And, after all this time, I still can't do anything with these!! 


I need urgently help!!