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

I am filing a complaint of non-compliance against the following collection companies : 1 ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX ) 2 ) XXXX  XXXX XXXX XXXX XXXX XXXX ) 3 ) XXXX XXXX ( XXXX  XXXX ) 4 ) XXXX This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS. ( have attached both certified returned receipts for record ). 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached letters I sent to EXP and all 3 companies ). The following on the letters needs to verified : In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.
Product: Checking or savings account

I had a over draft of XXXX now they want charge XXXX and I don't if I want put the XXXX back but they closed my account and I cant ' open another account with any other bank until I pay them off I think it's unfair to the consumers
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following inaccurate, contradictory 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 these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering my abilities as I'm trying to advance in my life by getting a house.
Product: Debt collection

XXXX XXXX XXXX settled a 5 year old debt with my attorney on XX/XX/XXXX for  {$990.00}. I paid the full amount on XX/XX/XXXX which was within the terms of the settlement offer proposed by this debt collection agency. They then proceeded to garnish my bank account on XX/XX/XXXX for {$1600.00} and there was a fee of {$150.00} from the bank for this garnishment. Between my attorney and myself, we have attempted to contact XXXX XXXX on 6 occasions since I received the letter from my bank. The payment of {$990.00} and the garnishment of {$1600.00} has left me with only {$42.00} in my bank account.
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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, 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. 

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

Transunion and XXXX  are reporting incorrect information on my credit report. My XXXX ACCOUNT ( charged off account ) was paid in full {$260.00} and it is not past due and they are still reporting it as past due and this is really affecting my credit report. I demand them to delete this information off of my report or update immediately. I have called them several times and put in many disputes. XXXX has updated their information correctly on my report so I have no issues with them. I am concerned about my XXXX  AND XXXX  reporting inaccurate information on my report. This is against the law and needs to be fixed today. This was paid back in XXXX.
Product: Credit card or prepaid card

My Wells Fargo credit card account was closed withouht any warning. The car was was an always had been in good standing with the bank. I had ALWAYS made payments on time. I spoke to 6 WF reps on XX/XX/12 regarding this matter. Wells Fargo credit card services even verified that my account was in good status. I was told that my card was closed because I had another account that was closed years ago by Wells Fargo was not in good standing. ALL of my credit card rewards were erased. I was never warned that his may happen. I have been robbed of all of my rewards.I feel that Wells Fargo has tricked me and closed my account simply so they can continue to add illegal interest on my account. I was deceived and prayed upon.
Product: Credit reporting or other personal consumer reports

Experian credit reporting agency placed some kind of internal block or security freezes on my credit profile/report, without my knowledge. This block is preventing me from having a full view of my credit profile/report, and is also preventing me from filing disputes on my behalf. Im trying to dispute inaccurate information and their internal block/security freezes are disallowing me to file any disputes.
Product: Credit reporting or other personal consumer reports

Beginning in XXXX TransUnion using XXXX XXXX on my credit report that should not be there. Refusing to take it off even though it's been past the 5-year mark. Reentering information and putting the XXXX XXXX  back on my report as of XX/XX/XXXX.
Product: Student loan

After experiencing life 's hurdles, I have since been from unemployed and struggling to trying to make ends meet and keep up with my Navient XXXX Loans. 
I have attended the XXXX XXXX of XXXX and graduated in XXXX. The school has been Sued and Closed due to pressure tactics and false information to student during enrollment. 

I have gracefully notified Navient of this change. I file a Borrower 's Defense to Repayment and have had my federal loans waivered until XXXX. Navient did not notify me of the update until I contacted them for an updated after several weeks of checking their hotline : XXXX. 

Afterwards I continued to see what my repayment options were for my XXXX XXXX Loans. For some time I have been given the option to pay {$50.00} to put my account on hold status with interest accumulating for 3 months. I have done this numerous times until my financial status changed for the worst. 

Again, I notified Navient of my status changes along the way. I continued to be directed to pay {$50.00}, even after I discussed only having {$25.00} in my bank account. 

I attempted to ask a representative in recent months about submiting my Borrower 's Defense to Repayment application via email portal online for possible review because my school has been sued. I was notified the application doesn't qualify for private loans. I re-stated my case for special circumstance on not JUST the school closing, but because they were SUED, my application should qualify for someone to look at. 

I was given specific instruction on how to send it through email online. I went to the site and after a grueling 30min of searching, there is NO email upload option for private loans. There is ONLY the option to send a message. I sent messages about how to upload my application, only to get a phone number to contact. 

I contacted the phone line and was told that I can not send it to them and to apply for a school closure form. My question to Navient was " what are the contingencies? '' The representative asked my questions about graduating recently. I informed her my details of graduating in XXXX. She stated I can try to fill out the form that is coming in the mail 7-10 business day, no online form. I asked for a contact number for payment options. I was given to Navient XXXX line where I learned I am in Default and have 2 days to pay {$400.00}. 
The representative XXXX informed me that I dont qualify for the XXXX XXXX application. I asked why would i be directed to that if I didnt? He stated : I don't know. 

My credit is ruined and I don't want to attend any court proceeding. I have gracefully paid navient on loans in the past and have been desperately trying to find other options for payment. 
I have received a constant time-sensitive run around between reps giving me other contact info and coming to a dead end.
Product: Credit reporting or other personal consumer reports

Please make note to 20 USC 1232g ( b ) - According to the Fair Credit Reporting Act 15 USC 1681 section 602a states : ''There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' '' XXXX, XXXX, and EXPERIAN '' are consumer reporting agencies and I am the Consumer. 

I have the right to make sure my private information isn't shared whereby this is backed by 15 USC 6801 which states : '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title 15 USC 1681 section 604 a section 2 states : " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, and EXPERIAN do not have my consent to furnish this information and they surely do not have my written consent. 

Any and all consent to ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states : " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states : '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states : " 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 1681e states : '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and EXPERIAN are not maintaining reasonable procedures. 

In addition, 12 CFR 1016.7 states : " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to reach someone to pay the account and I have a mortgage pending. Everyone is unresponsive.
Product: Credit card or prepaid card

I got the attached document in the mail. I work in the financial industry and I am 99 % sure this is an attempt to get my wife 's personal information. I wanted to share this with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was hit by an uninsured drunk driver while parked outside my house while I was asleep in the middle of the night. My insurance company declared my vehicle a total loss, as I was insured with gap with the same company. My insurance later informed me the pay off check to pay off the total remaining balance of the car was sent to my lien holder, and that I should no longer make payments because the lien holder would receive it in the next day or two. 3 months later, thinking my car was paid off and no longer having a vehicle, I was notified my lien holder never received a check and my account was now derogatory on my credit. I called my insurance and they took responsibility for sending the check to the wrong location, but neither the gap insurance, full coverage insurance for the uninsured, or the lien holder will work with me on the amount owed for the 3 months the check was missing as they are considered missed payments. I was never called by anyone looking for a payment. I have a letter from my insurance company with the pay off amount and original check date that was never received, and a letter for the second check they sent 3 months later. My lien holder was XXXX, I had gap insurance with them as well and my insurance company was XXXX..
Product: Debt collection

Portfolio Recovery Associates LLC has not validated this debt. I am submitting this complaint against Portfolio Recovery Associates LLC for their attempt to collect a debt they are not legally authorized to collect. Their actions are in violation of federal laws, including the Fair Debt Collection Practices Act ( FDCPA ) and applicable Credit Reporting ( CR ) rules outlined under the Fair Credit Reporting Act ( FCRA ). Details of the Complaint : 1.Failure to Validate the Debt : Portfolio Recovery Associates LLC must furnish proof of validation as allowed under the FDCPA ( 15 U.S.C. 1692g ). Portfolio Recovery Associates LLC has failed to provide proper validation, including proof that the debt is valid, that they own the debt or have the right to collect it, and a full accounting of the amount owed. 2. Debt Not Collectible Under CR Rules : under federal law, debts sold to collection agencies may not be collectible unless the agency can legally demonstrate ownership and compliance with CR rules. Specifically : Credit Reporting Rules ( FCRA ) : Debts sold to collection agencies must include complete and accurate information about the debt, including its origin, the amount, and whether the statute of limitations has expired. Agencies must also notify credit bureaus if a debt is disputed. Debt Ownership : If the original creditor sold the debt, the collector must provide a clear chain of title proving their legal right to collect the debt. Portfolio Recovery Associates LLC has not provided this. 3. Violation of My Rights : The debt in question is unverified, unenforceable, under [ applicable state law. Attempting to collect this debt without validation is a violation of my consumer rights under the FDCPA and FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive attempted numerous times of disputing incorrect information and fraud accounts due to identity theft. I will Be sending another dispute in attempt to remove these false accounts. In the midst of disputing these companies have falsely verified fraudulent accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , & XXXX XXXX XXXX ( this company has violated HIPPA Laws which I will Be suing. )
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION XXXX NEVER LATE XXXX XXXX NEVER LATE XXXX  XXXX HOME LOANS NEVET LATE
Product: Checking or savings account

On XX/XX/XXXX a XXXX XXXX was deposited into my Chase checking account of {$1600.00}. I did not ask for this XXXX XXXX and do not know who send the XXXX XXXX On XX/XX/XXXX XXXX froze my checking account and did not tell me. On XX/XX/XXXX I tried to remove money out of my checking account and they informed me that my account was frozen. The local bank called Chase XXXX department and they were told that it would take XXXX weeks to sort it out and unfreeze my account. I have been calling Chase 's XXXX number every other day to try to resolve the issue. I keep getting a different answer back on when my account will be unfrozen. On XX/XX/XXXX I gave Chase permission to return the money to whoever wired the transfer. I have given my permission XXXX more time to return the money. On XX/XX/XXXX XXXX removed {$1600.00} from my account in a XXXX XXXX XXXX XX/XX/XXXX Chase removed another {$1600.00}. When I talked to Chase on XX/XX/XXXX they told me that it would take another XXXX  days before they would unfreeze my account. They will not tell me why or when my account will be unfrozen.
Product: Mortgage

On XX/XX/year>, the area which I live was impacted by hurricane XXXX, causing a natural disaster XXXX XXXX issued a moratorium for 90 days to any and all banks trying to issue foreclosures. My home was impacted by XXXX  XXXX, causing significant damage, which has left me unemployed and trying to pay for damages. I have explained and written letters of appeal to U.S. Bank mortgage company in regards to the natural disaster that impacted my home. I requested a forbearance and the bank is refusing to allow my home to be a disaster forbearance. I have tried communicating with this bank since XX/XX/XXXX, filling out all the necessary applications for loan assistance, and also filing an appeal against decision for a short sale. This bank has been playing games with me for the last several months. I fill out applications for loan assistance get all the information to them then they tell me that I have to fill out another application for Assistance. I have been going back-and-forth with this bank for over a month the disaster for XXXX that I am XXXX to under XXXX XXXX XXXX. Please help me get this resolved with U.S. Bank, who is highly unprofessional at this time and refuses to abide by the law that was issued by XXXX XXXX regarding a XXXX  for all homes affected by hurricane XXXX in XXXX XXXX, Texas
Product: Money transfer, virtual currency, or money service

My boyfriend and I were scammed out of a dog, I send XXXX from my XXXX  account and he send XXXX from his account. I tried to get my XXXX back through XXXX, filed a police report and reported it as scam and fraud and XXXX still refused to give me my money back.
Product: Debt collection

The Truck was in the business name I was a signer on the loan. The Truck was stolen and reported to the XXXX XXXX sheriff 's office. Ally told the Person who stole the truck if he makes payment on it and gets the business in his name he can keep it. I had insurance and Gap on the Truck when this all took place. the person who stole the Truck XXXX XXXX XXXX department was there when the truck got totaled. they did nothing to XXXX XXXX XXXX. I haven't got a single word from ALLY why this is still on my report when it was totaled had GAP and Insurance. Please help me out. this is not my debit at all.
Product: Credit reporting or other personal consumer reports

I am looking for more information about an account I opened with Ally Financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX has reported inaccurate information about ( ACCOUNT XXXX ) to XXXX, XXXX, and TransUnion consumer reporting agencies. XXXX XXXX XXXX XXXX, XXXX has failed to conduct a reasonable investigation regarding the disputed information. If a reasonable investigation took place, the inaccurate information would have been discovered and changed accordingly. Instead, the inaccurate information was verified, and no changes were made. The inaccurate reporting of this account is damaging my ability to get credit, negatively affecting my XXXXredit score, and has caused me emotional distress. 
I have disputed the accuracy and completeness of this account with the consumer reporting agencies on multiple occasions and the results come back verified. I have also sent a complaint ( XXXX ) to the Consumer Financial Protection Bureau to resolve the inaccurate reporting and requested the deletion of this account which was declined. 
XXXX XXXX XXXX XXXX, XXXX has failed to satisfy its duty under the Fair Credit Reporting Act 15 U.S.C.1681s-2 ( b ). After my dispute was received by the credit reporting agencies, XXXX XXXX XXXX XXXX, XXXX received a notification from the credit reporting agencies that the account was disputed. XXXX XXXX XXXX XXXX, XXXX responded to the credit reporting agencies confirming the accuracy of the account without investigating, therefore violating the FCRA. This violation has occurred with all three credit reporting agencies and you are liable for the sum of {$3000.00} under 15 U.S.C. 1681n. Additional equitable relief sought is the deletion of this tradeline, with no future reinsertion to XXXX, XXXX, TransUnion, and or any other consumer reporting agencies that may have been furnished with this account information. To allow you the reasonable opportunity to resolve this matter, you have no later than 14 days respond. Failure to respond will result in the escalation of this matter to arbitration. Furthermore amongst checking my report XXXXXXXX XXXX Failed to notify all Credit Reporting Agencies of the DELETION OF The ACCOUNT THEY DECIDED TO REMPOVE OFF OF MY XXXX CREDIT REPORT BUT THEY DID NOT NOTIFY XXXX OR TRANSUNION OF THE DELETION OF THE TRADELINE. XXXX ALSO SHOWS THE ACCOUNT STILL REPORTING AFTER I RECIEVED A NOTIFICATION THAT AROUND XXXX XXXX XXXX THAT THEY REMOVED THE TRADELINE FOR THE ACCOUNT WITH XXXX XXXX WHICH IS XXXX. Which is another violation.