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

I have attached my FTC report, driver license, police report & XXXX. I am a victim of ID theft. My privacy has been compromised. After reading multiple reports online regarding the credit bureaus ignoring peoples disputes, getting sued and not taking peoples disputes seriously so I decided to take this route. After serving 14 years in the military I want to be treated right and not be treated like the people in the reports I read online. I already have health issues and with this COVID-19 pandemic going on I dont want any additional stress. I just want the credit bureaus to take my situation serious, do their job per the FCRA so I can get my name back in good standing.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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 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. 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 report
ing agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I reviewed my credit report after having my identity stolen again and I was shocked to find this particular account that is being reported by your company and damaging my name. I am expecting this letter to resolve the issues I have. I am a protected consumer. Your company is currently in violation of the following laws. This acocunt along with the Identity theft as well is causing more chaos on top of a divorce. I need this deleted immediately off my consumer report. Per Under 15 U.S. Code 1692d, a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt, including, but not limited to : 1 ) the use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. Also 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) COMMUNICATION WITH THIRD PARTIES Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. And 15 U.S. Code 1692a ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As stated above this collection is damaging my name and is defamation of character, which can in turn entitle me to monetary compensation. I am trying to fix this situation with you NATIONAL CREDIT ADJUST first. 
I am attaching my Identity Theft affidavit which was submitted through the FTC and submitting it per request. I hope this is all the information needed to get this matter situated properly and taken off my report.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding several disputed accounts on my credit report. Despite multiple attempts to address these inaccuracies and request thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file, hindering my ability to lead a normal life, and causing immense hardships. 

The negative impact of these inaccuracies has been profound, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a comprehensive investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Debt collection

I have been trying to get this debt resolved for over a year. When you call Portfolio Recovery Associates the Representatives mis represent themselves as being in the " Litigation Department '' as an Attorney, continually mis-represent not receiving my written dispute, transfer me to Managers that are not managers, tell me to call a Department that does not exist, tell me that a Vice President will call to resolve, without getting a call. 

They tell me that I am on a " reordered '' line and when I tell them that I am going to " record '' the call they wo n't speak to me. Today I spoke with no less then XXXX representatives and each lied in a different way.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a collection on my credit report and fails to provide validation or verification d the debt of the sent as they are listing the account as a collection account. According to XXXX Equifax and XXXX this alleged debt has been verified. How did they verify the debt if the company has provided that information.
Product: Credit reporting or other personal consumer reports

Equifax has made an error and placed a number XXXX  at the end of my name. 
i.e. - XXXX XXXX XXXX It shows as that name on the dispute reports under personal information. Because of this error in my name, the system is producing error codes and not pulling my credit information. 

I've sent in on 3 occasions my ID, proof of address, ssn card, with no luck. 

My phone number is also incorrect XXXX is wrong. 

Update my number to XXXX
Product: Credit reporting or other personal consumer reports

Remove these inquiries, please. I lack any knowledge about this, and the company did it without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXXXXXX  enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXXXXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit card or prepaid card

XXXX needs to be removed as an authorized user. I have called multiple times trying to get him removed as a user. Every time they tell me they are not allowed to remove him because the account is closed and they can not and will not remove him. This is not his card this is solely my card and my responsibility and I would really like him removed from my account. Every time I called I was on hold for at least 30 mins and  kept being redirected only to get the same end result.
Product: Credit reporting

I tried to resolve the issue with payments online message center to resolve the issue and I 'm not making any progress and I tried to dispute a XXXX day late payment XXXX even though all my payments have been received. I was XXXX days past the due date in XXXX and XXXX and they reported me 30 days late. I believe a double payment was applied towards the principal. I also am being charged a higher interest rate of 27.900 % for not receiving a minimum payment 60 days from the due date of XXXX/XXXX/2015. A payment was due on XXXX and paid on XXXX however ; the statement from XXXX XXXX to XXXX XXXX, 2015 the payment was n't applied- until the next statement- which they state is XXXX days from the due date. Which is misleading and confusing. That is not 60 days- and inaccurate. The statements are made to be confusing to the consumer as when a payment is accurately considered 30 days late. Is it considered 30 days late from the month its paid in or is it late from the payment date on the XXXX th of each month? Please explain. 
I sent them this letter on XXXX XXXX, 2015 : In reference : XXXX day late payment dispute for XXXX 2015-XX/XX/XXXX 2015It has come to my attention that after looking at my payment history there may have been an error on your part in the application of my payments. At one point it appears that you may have not prepaid my account, as I specifically requested and that you have applied a double payment towards the principal, again contrary to my expressed will. Please provide a detailed payment history including dates, application to principal, interest and late fees immediately upon receipt of this request. I will compare the dates and the amounts to my records to determine where this discrepancy aroused. At this point I believe this to be just a bonafide error on your part however ; as it has resulted in a XXXX day late to my credit profile it is a serious matter. Please provide this documentation immediately that I may determine where the application of a double payment to my principal balance as opposed to the prepayment of the next payment arose and thereby your bonafide error was manifested. Again at this point I will review this matter with my Attorney with the understanding that should this be cleared up in an expeditious fashion, there will be no fair credit reporting act violation and no fair debt collection practices violation. 
Thank You for your immediate attention in this matter,
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : I disputed the incorrect account which was reported to all 3 bureaus. It was a {$58.00} amount for XXXX Services which was paid to the doctor and it was sent to collections. I called Capital Accounts , LLC and cleared the matter with them and they told me that the account would be EXPUNGED from all 3 CREDIT REPORTING AGENCIES. Please see the email which I received from them on XX/XX/2019. Please investigate and remove the following negative information from my credit reports. Please see the correspondence which I received in the form of an email from Capital Accounts , LLC. 

Account # : XXXX From : Capital Accounts , LLC Client : XXXX XXXX XXXX This letter is to confirm that your balance has been paid in full. This account has been requested to be expunged from the three national credit bureaus as well. 



XXXX XXXX XXXX File # : XXXX Balance : {$0.00} Sincerely, Capital Accounts , LLC
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information may have been compromised in the Equifax security breach earlier this month. In today 's world it is basically impossible to make major purchases without developing some sort of credit history. Essentially consumers are forced into using credit cards, and therefore divulging personal information to 3rd party companies such as Equifax. There should be certain safeguards/security in place to protect this data. This was not done for millions of people and that is wrong.
Product: Debt collection

I keep getting phone calls from Hunter Warfield Company. Latest call was at XXXX XXXX  today. The number that called me was from XXXX. I called them back and they stated they are debt collection agency and trying to contact a XXXX XXXX. I am not XXXX XXXX and do not have any bad debts, from last 40 years. I did have bad debt almost 50 years ago, but nothing since then. I have asked them to stop calling me as I am XXXX years old and in poor health. They keep saying that will mark my number- XXXX as bad number for this person, but the calls keep coming.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit inquiries that I did not authorize, made by the following companies XXXX XXXX XXXX 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: Debt collection

I contacted by phone multiple times and attempted to get information on where and when this debt was incurred. I received no information only that they purchased this debt and I better pay it. I am exhausted from trying to resolve this problem.
Product: Credit card or prepaid card

I opened a new credit card and had used it for the past year without issue. Upon receiving a billing statement after the first year, I was charged an annual fee. After consideration, I determined the annual fee wasn't worth the benefits I was receiving from the card. So, I called to cancel the card, citing the annual fee. This was done before the statement due date. The only balance on the card was the annual fee. Bank of America gladly closed my account, cutting off all access to information ( including statements, transactions, online log-in, etc ). Standard industry practice is to waive the annual fee for an account canceled within the grace period of the billing cycle the annual fee is posted in. However, Bank of America refused to waive the annual fee. After shutting me out of my account, they will only correspond by mail and I XXXX the US XXXX on a XXXX XXXX where mail takes XXXX weeks to be received. This means every communication I get from them is outdated. Of course, Bank of America devised a process where they would not confirm that my annual fee was waived, it had to be submitted to some other department for review who would not interface with the customer to answer. By the time I discovered that the annual fee was not waived, I had already been hit with two months of late fees plus interest on the annual fee, resulting in almost doubling the annual fee. After multiple engagements with Bank of America, which were all fruitless as no representatives were empowered to take action, I eventually paid the annual fee with all the charges and have no other recourse than to file a complaint with the CFPB.

Bottom line : Bank of America terms and conditions promised me many things in exchange for the annual fee : earning XXXX XXXXXXXX mileage, a companion certificate, etc. They charged me the fee, but refuse to provide the promised benefits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report XXXX of XXXX and seen this credit card account listed as a charge off. The account is showing the creditor as XXXX XXXX and a status of charge off. I have sent in letters to each credit bureau asking for proof or validation that account belongs to me. I have not received any of the documents I have asked for. I have pictures of my certified receipts as well as one of the many letters I have sent in asking for validity of the account. I have no knowledge of this account belonging to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning XXXX XXXX XXXX  Credit Card ... ... how are you doing? Why is my process is taking longer than 60-90 days? I understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been setup on a payment plan and balance has been agreed upon for settlement. XXXX XXXX has been contacted and yet will not act to correct the balance, payments made and this has to be addressed as per letter that is attached.
Product: Payday loan, title loan, or personal loan

I took out an installment loan with Blue Trust Loans in XX/XX/2018 for {$1200.00} to pay bills.I am a teacher and am getting paid again, but I am struggling to pay back the loan because of the high interest rate of 634.66 %. I planned on paying back the loan right away to avoid the interest, but was unable to do so. I have already paid back {$1700.00}. I would like to settle the loan as paid in full. They are trying to collect the amount of {$1500.00}.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX : I hereby submit a formal complaint against XXXX AND XXXX FOR discrimination, retaliation, bank fraud, wire fraud, and violations of the XXXX Act, infringing upon my rights under the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), and other pertinent federal laws. III. Active Complaints with FBI, FTC, and CFPB : This grievance is not isolated. The FBI, FTC, and CFPB have active complaints regarding similar issues with XXXX, highlighting a pattern of potentially illegal practices by the company. IV. Allegations of Bank Fraud, Wire Fraud, and XXXX Violations : Bank Fraud : I have reasons to believe that XXXX AND XXXX has knowingly engaged in deceptive practices to defraud banks or other financial institutions, which is a violation of 18 U.S.C. 1344. Wire Fraud : XXXX AND XXXX is suspected of using interstate wire communications to defraud consumers, violating 18 U.S.C. 1343. Their actions have not only harmed my financial standing but have also illegally profited by using deceptive practices. XXXX Violations : XXXX AND XXXX actions suggest a pattern of racketeering activity. By accepting financial incentives for reporting, they may be in violation of the Racketeer Influenced and Corrupt Organizations ( XXXX ) Act, specifically 18 U.S.C. 1961-1968. V. XXXX Discrimination : XXXX AND XXXX has not only failed to unlock my credit report despite numerous requests but also appears to be discriminating against me based on my race, violating the ECOA. VI. Retaliation : Their refusal to address previous complaints and unlock my credit report seems retaliatory for filing federal complaints, violating principles of fairness and justice. VII. Discrepancies with Other Credit Bureaus : Other credit bureaus, namely PENN CREDIT, have adhered to federal laws by deleting inaccurate information from my credit reports. XXXX  AND XXXX refusal to do the same raises serious concerns about their practices. VIII. Legal Action : If these issues remain unaddressed, I intend to escalate this matter legally, seeking remedies for the harm inflicted upon me due to racial discrimination, bank fraud, wire fraud, and XXXX violations. IX. Conclusion : I urge the CFPB and DOJ to investigate these serious allegations against XXXX AND XXXX. Their practices have caused significant harm and warrant thorough examination and intervention by your esteemed agencies. I anticipate your prompt attention to this grave matter. I CANT BUY A HOUSE IM NOW HOMELESS BECAUSE I CANT experience MY CREDIT BECAUSE THEY ARE REPORTING NEGATIVE ACCOUNTS THAT ARE NOT MINES
Product: Vehicle loan or lease

Had an issue with my accounts where funds were not being drawn and issue cause my payment to be late. Please see vehicle on time payment history ( 17 months straight on time payments ). Tried resolving but got no where.
Product: Debt collection

Midland Credit Management will not validate the debt with original documentation and Midland Credit Management keeps pulling my credit and stating they are an original creditor, they also sued me in the wrong jurisdiction and the case was dismissed.
Product: Debt collection

I received XXXX notices from Transworld Systems Inc. that my student loans were eligible for default. The letters went on to say that Transworld verified my employment and that my lender may contact my employer to institute a wage garnishment. 

I have not had loans with this company for years. I called and both Transworld and the lender told me this was a mistake by Transworld, that they accidentally sent out XXXX these letters to consumers. This is atrocious.