23daVinci/CFPB_Complaints huggingface dataset:
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 number:XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX  Account numberXXXX Account name XXXX XXXXXXXX XXXX XXXX Account number:XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Several times moneys was token out of my account without my permission with no one to contact all foreign transactions that were repeatedly done that I had no knowledge of
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate Information, not mine
Product: Debt collection

I called and requested an itemized statement from this collector along with written confirmation on the process of paying off the debt as well as the process of reporting to the credit bureaus. 

I emailed the following to the listed president, XXXX XXXX : Hi XXXX, I wanted to formally file a complaint with you just as I have done with the Michigan Attorney General, Texas Attorney General, the XXXX, and my family 's legal counsel. 

Today I called Arbor Professional Solutions to resolve a debt I acquired 6 years ago. Because the bill is so old, I called and requested an itemized statement from your company, written confirmation on the process of paying off the debt, along with the process of reporting to the credit bureaus. Once I received this information verbally, I once again asked to receive an email, letter, or even web address listing these processes and information. Most calls at business are recorded for records and training. I like to have my own copies for records as well. 
I was met with rudeness and unprofessionalism. I spoke with someone named XXXX and her supervisor. XXXX transferred me over to her supervisor without even indicating that she was doing so and her supervisor rudely said to me " Oh I'll wait since I wasn't talking '' as if I am a three-year-old. Mind you, I was on the phone with her for less than a minute before she became rude. 

After the supervisor 's statement, I asked her to repeat herself. She did with confidence. They then blocked me from being able to call the office again. I didn't get disrespectful. I didn't raise my voice or become rude until after that statement which was in response to one question which was " how am I supposed to confirm this information if you can't send anything to me? ". Feel free to have your team listen to those calls. 

The unprofessionalism from the employees within your office is preventing people from paying off their debts due to their HORRIBLE customer service. It shouldn't be a hassle to pay off a debt. I am sure there are many consumers like myself who have the intentions of paying but then are met with such rudeness. Your XXXX reviews state just that. 

Please let me know how we can remedy this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of XXXX I was contacted by Alleviate Financial solutions with an offer to help negotiate and consolidate my credit card debts. I was told the company would send out proposal letters to my credit card companies to settle the debts for less and get them paid off, while debiting my bank account a monthly amount that will be paid towards my cards until all debts were paid off in a 12 months period. I was also told my credit score would dip but then go back up with reflection of good faith on all account that were put into the program, I agreed, of course it was about 2 hours long conversation trying to understand how this works. 

What i was NEVER told about during the conversation, was fees i will be charged monthly just to have XXXX  debit my account and fees from Alleviate just for talking to me on the phone. I was NEVER told that my credit cards account to be behind on payments. The gentleman on the phone stated everything we spoke about is what will be in the contact and so I signed. 
It was agreed that i would pay XXXX every month. Starting around XX/XX/XXXX the deductions started. About 3 months when by and I was still paying my cards on my own. I finally decided to contact the creditors, only to find out Alleviate never submitted a proposal. I wait again only because I thought maybe this is how it works, it takes time and an accumulation of the money before it goes out. Then I called them about XX/XX/XXXX to see what was happening. Then it was explained to me by an individual ( XXXX ) that my accounts aren't supposed to be current, and he is sorry that wasn't explained to me. It was then agreed I would get a refund and close out my account with Alleviate and XXXX and by the following week which would be XX/XX/XXXX I would get a confirmation letter of closure and a check would be mailed out to me. 

Check came in the mail by XX/XX/XXXX for $ XXXX what am i missing. Lets do the math. 
5 months of paying {$270.00} = {$1300.00}, a difference of {$420.00}. I called, and was told about monthly fees of {$9.00}, then a startup fee of another $ XXXX, then legal fees of {$250.00}, plus another {$39.00} for something else. Wait legal fees, are they an attorney base program? I asked to speak with a manager. 
I waited for a manager to get on the phone with me for an hour and was told all mangers were busy and they will call me back. 
Today is XX/XX/XXXX. I was given a XXXX number as the number calling me back. The gentleman I spoke with today was XXXX and I called XXXX. 
What scams to get peoples hard errand money? All I was looking for was honest help.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX 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

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. 

XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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.
Product: Credit reporting

I disputed an creditor for the incorrect amount they reported to TransUnion credit bureau. They said if I had document to show they were incorrect send them and they will review them. After they ( TransUnion ) got the document they still allowed the FALSE information??? I have called XXXX times to get the creditor deleted. The other bureau DID REMOVE the same creditor from my file??? I need HELP?
Product: Credit reporting or other personal consumer reports

I was completely shocked this morning to discover erroneous accounts on my credit report, and I have no clue why theyre there. I checked my report, as I usually do, only to find discrepancies that Ive never seen before. I even tried refreshing the page, hoping it was just a glitch, but the inaccuracies didnt go away. Im really worried about this, so Im urging that my documents be thoroughly checked so I can have peace of mind.
Product: Debt collection

Jefferson Capital , LLC is trying to collect a {$1100.00} debt that was sold to them by another company. I recently requested proof of debt validation from them. Below attached is a copy.
Product: Mortgage

I argued with a teller on Saturday XXXX/XXXX/2016. I went in to pay my mortgage for XX/XX/XXXX. They received a check for {$2800.00} but they dated my receipt for the dat of Monday XXXX/XXXX/2016. I understand that it may not post until Monday but I argued that the date on my receipt should be Saturday XXXX/XXXX/2016. They told me the reason was there is no banking on Saturday, yet they were open and received my funds that day. I think this is wrong and illegal. If they take a payment on a date that is the date the receipt should say. There may be no trading on Saturday but there is banking or I would not have been able to go in and pay this mortgage payment. If I went in to cash a check on XXXX/XXXX/2016 and dated the check for XXXX/XXXX/2016 they would not have cashed the check. What is the difference? Because they are a big bank they should not be able to make their own rules. I say this is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was checking my credit report from the 3 major credit reporting agencies and notice that information on my credit is incorrect XXXX/XXXX  partial # XXXX, and XXXX XXXX XXXX/XXXX XXXX showing up as negative on my credit and would like these DELETED from my report these have been included in my Bankruptcy Chapter XXXX, bankruptcy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or credit management

On XXXX  I tried to cancel my membership and the company, Experian, will not allow a customer to cancel their membership. 

I attempted to cancel my membership online at https : //usa.experian.comXXXX and their website only provides one method to cancel via a phone call. 

However, I called the listed number at ( XXXX ) XXXX and their automated service will not cancel the membership. I tried every possible option for over 30 minutes with no success. 

Additionally, I researched to find an email address for Experian and found this address, XXXX and sent the following message : " I want to cancel my experian free membership account. Your automated telephone service is broken and will not allow someone to cancel their membership over the phone. This needs to be fixed. '' I immediately received an automated email response stating : " You have reached XXXX Sales and Marketing Support for business clients. Please note this inbox is being decomissioned as of XX/XX/year>. 

Please note this mailbox does not support inquiries regarding your personal credit report, disputes, or credit monitoring services. For support regarding your personal credit report, please call Experian at XXXX opt XXXX, XXXX, XXXX or visit www.annualcreditreport.com to obtain a copy of your report. 

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

I have disputed the late payments XXXX XXXX XXXX account for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$130.00} on the XXXX XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and needs to be removed from my credit report. I have attached a copy of the letter from XXXX XXXX XXXX dated XXXX for reference. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been  successful.
Product: Debt collection

I am a victim of Identity Theft, I have filed a police report and FTC Report, Identity theft Complaint and Affidavit for the account that appears on my credit report but doesn't belong to me : SANTANDER XXXX This account should be removed from my report immediately. 
I keep receiving phone calls from Collection, I have attached a copy of my phone screen that I have received phone call from SANTANDER even after I asked not calling me sand I have sent all supportive documents to proof my statement
Product: Mortgage

In XX/XX/XXXX we applied for and after 9 months received a modification of our Flex rate mortgage with Indy Mac Bank. The interest rate for our modified mortgage was 2.625 % fixed for the first 4 years and would lock in at the going rate at that time. The going rate was still low after 4 years so our rate stayed at 2.625 %. For the XXXX year or so our modified mortgage was held by XXXX, after that Ocwen Loan Servicing LLC XXXX XXXX XXXX XXXX XXXX XXXX Fl. XXXX now Ocwen informed us that they will be increasing our interest rate by XXXX point starting this XXXX and again each XXXX for the next 3 years. I contacted Ocwen and asked them for the proof in our mortgage documents that allows this XXXX point increase in our mortgage, but all they could provide was the documents from our original Indy Mac loan which includes an unsigned sheet we have never seen before. I than asked for an Amortization schedule showing this " required '' interest rate increase, but the Amortization Schedule they sent shows no increase in interest rate. In fact the Amortization Schedule they sent shows our interest rate remaining 2.625 % through the last payment in XX/XX/XXXX. Please make Ocwen follow our modification and keep our interest rate at 2.625 % till the end of our mortgage. A XXXX point increase could very well price us out of our home, and was never part of our modification agreement. Thank you. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I've got into an accident and my vehicle was deemed total lost. My insurance and gap paid off the loan, however the bank has reported it as late payments and isn't showing the loan is being paid off. Because of this my score is really low and it's affecting my credit. I will appreciate it if you guys could assist me with this situation. 
Thank you..
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, I am a victim of Identity theft. I have provided proof of my ID, Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit proving it is in fact me that submitted this report and a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Product: Student loan

I received a call from premier student loans center asking me about my student loans, I tried to verify who they were to make sure it was not a scam, but both the initial woman that called me from XXXX was defensive and aggressive asking, " do you want to see if you qualify for loan forgiveness or not! '' She transferred me to : XXXX XXXX XXXX XXXX PREMIER STUDENT LOAN CENTER Direct ( XXXX ) XXXX XXXX www.premierstudentloancenter.com XXXX XXXX XXXX XXXX XXXX When I asked for a call back number to verify who he was and the company he worked for he too became defensive and aggressive, saying I was offending him and how would I feel if I were in his shoes accusing him of being a scammer. I don't know if this company is a scam or not, but when he claimed I was waisting his time, I asked to be transfer to someone else and he stated that he couldn't transfer me and I could only deal with him, and if I choose to try again next year for student loan consolidations I would have to call him back. He sent me some emails and went through a process of trying to get me to sign up to give payments thorough his company. The entire time I felt he was aggressive and pushy, I didn't feel comfortable at all, he used President Trump as ammunition for pressuring me into following through with a payment plan with his company. He also said his company worked for the government, but they were not considered government employees. If this is a legit company then they should be required to answer all reasonable questions about the company they work for and adjust their customer service. 

If they are not a legit company then something should be done the name and information above is the information that was emailed to me along with links to government websites.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are fraudulent id theft. please remove from my report XXXX XXXX VIA  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX Phone number not available Requested On : XXXXInquiryType : IndividualPermissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Phone number not available Requested On : XXXXInquiryType : Individual TRANS UNION NA VIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Requested On : XX/XX/2020, XXXXInquiryType : IndividualPermissible Purpose : CONSUMER INITIATED TRANSACTION XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType :  Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType : Participant XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType : Individual XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType : IndividualPermissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA XXXX XXXX I have tried contacting transunion to resolve this but can not reach anybody.
Product: Credit reporting or other personal consumer reports

Recently I Looked At Copy Of Credit Report And Noticed Several Inaccuracies On My Account. This Account Is Hurting My Ability To Obtain Credit. It Is My Understanding That You Will Investigate These Items For Me to Ensure Accuracy Here Is The Items I Am Asking To Verify As Accurate Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX inaccurate inquiries being reported By XXXX and Equifax, 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 Inaccurate Inquiries being reported by XXXX and Equifax Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

XXXX XXXX, Experian, XXXX, and XXXX have all failed to help correct the inaccuracies in my consumer report. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I will attach all three different accounts that is reporting inaccurate information on the XXXX XXXX XXXXXXXX XXXX. If you can fix the information please do so if you can not figure out why all three Reporting agencies are furnishing inaccurate information YOU SHALL DELETE/REMOVE THE XXXXXXXX XXXX ACCOUNT ON ALL THREE CONSUMER REPORTS.
Product: Credit card

I made my Capital One credit card payment on the due date at XXXX - I was assessed a late fee as apparently, unlike other credit card companies, they have an XXXXXXXX XXXX cut-off time that they said is in the fine print on my statement. I requested them to wave this fee as it was apparent that I made the payment ON the due and the XXXX could not do that so I requested a supervisor and he refused as well. They have also incrementally increased my interest over the years even though I have good credit to now a staggering 30 %.