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

These accounts were created without my consent. I did not authorize any of these transactions. 

DSNB MACYS Balance {$1100.00} opened XX/XX/XXXX / XXXX/XXXX  Balance {$4500.00} opened XX/XX/XXXX XXXX XXXX  Balance {$2000.00} opened XX/XX/XXXX XXXX ( Original Creditor 11 XXXX ) XXXX opened XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) {$1300.00} opened XX/XX/XXXX XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) Balance {$230.00} XX/XX/XXXX ( Original Creditor : XXXX XXXX ) Balance {$1100.00} XX/XX/XXXX ( Original Creditor : XXXX XXXX ) Balance {$10000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$34000.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXX  XXXX bankruptcy XXXX Filed Date : XX/XX/XXXX Reference Number : XXXX XXXX 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 or other personal consumer reports

Your ticket XXXX - Settlement, has been updated. 

Dear XXXX, We are unable to expedite processing or payment of claims. If we need further information, we will contact you. 

You can check back at a later date for updates on your claim or, if you filed your claim online, you may check your claim status any time on the Settlement website at www.EquifaxBreachSettlement.com using the " Check My Claim Status '' option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against XXXX, TransUnion, and XXXX regarding their continuous failure to protect my privacy and their alleged failure to maintain reasonable procedures to ensure the highest level of accuracy, as required by the Fair Credit Reporting Act ( FCRA ). Despite numerous attempts to address concerns and rectify inaccuracies in my credit reports, I have encountered ongoing issues with these consumer reporting agencies. The repeated instances of privacy breaches and inaccurate reporting have had a severe impact on my financial well-being, causing undue stress and frustration. Furthermore, their alleged failure to validate their method of verification raises significant concerns about the integrity and reliability of the information they provide. I kindly request that the Consumer Financial Protection Bureau thoroughly investigates this matter and takes appropriate action to address the failure of XXXX, TransUnion, and XXXX to protect consumer privacy and maintain accurate credit reporting practices.
Product: Checking or savings account

Back in XXXX I purchased a car part from XXXX for about {$130.00}. The carport stated that it was for my car but when I received it, it was completely wrong. I made attempts to contact the seller and open the claim to return. The seller denied it and close the claim without even contacting me back I tried calling XXXX and they told me I shouldve called them first to settle it, so my only option left was to call Bank of America and tell them to dispute the charge. I told them everything exactly I even provided evidence with pictures and just today I receive that I wont be getting my money back and that I am in possession of the item which is because the seller didnt discuss anything with me at all, so obviously, I am in possession of it, and that there was no form of communication between me and the seller when there is and I have evidence of it that I sent to Bank of America XXXX I feel like everything I told him was ignored, and whoever was sitting behind the desk just wanted to get my claim over with.
Product: Mortgage

Navy Federal Credit Union is refusing to provide monthly statements for our mortgage because we declared Bankruptcy in 2009. We did not default on our mortgage during the bankruptcy and have continued to pay in full and on time throughout the life of the mortgage. We are now expected to blindly pay our mortgage without knowledge of our principal balance, interest rate, or current payment amount.
Product: Debt collection

Focus Receivables placed a collection account from XXXX in my credit file. I was never contacted by them by phone or mail and had no know of this account. I have lived at my current address for over 10 years and have not had an account with XXXX. To make matters worse, they the high balance showing at {$110.00} and a total balance of {$530.00}. A little confusing. But nevertheless, I do not owe this bill or XXXX for I never had service with them.
Product: Credit reporting or other personal consumer reports

I am asking for your support in resolving the issue of this false account on my credit report, which has negatively affected my reputation. Your mishandling has caused me significant harm, and I insist that this wrong information be removed immediately.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 



Account XXXX : XXXX XXXX Account 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. has violated my rights. 

( XXXX XXXX XXXX # 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  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

When I investigated my credit report, I realized that some of the information was erroneous. The Experian credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : OK XXXX XXXX XXXX XXXX  Balance {$900.00}
Product: Debt collection

Transworld Systems was sent a debt validation letter by me for an account from XXXX XXXX they are trying to collect on. They failed to respond within the 30 day period mandated by law, and in their own letter back to me they acknowledged this lapse. Ive attached their correspondence showing their acknowledgement.
Product: Student loan

I signed up for automatic debit payments from Navient. Navient would take the payments from my account. I would have to call and make the payment over the phone. When talking to them, they would say it 's something wrong my bank account which cause them to not pull the payment. I use the same account to make the payments over the phone. My account always their payment in the account but Navient will say I had insufficient funds in my account. My bank and I have talked and proved there was enough money in the account to make the payment. Navient charges a late fee each time it 's late and it is ruining my credit.
Product: Credit reporting or other personal consumer reports

Clarity a subdivision of XXXX is refusing to change the initial XXXX year fraud alert to an extended 7 year XXXX alert. Since I already have an extended fraud alert on my XXXX credit report Clarity is OBLIGATED to place a extended fraud alert on my report with them as well.
Product: Checking or savings account

I noticed on XX/XX/XXXX that the money I received from XXXX XXXX was being pulled back off my account by XXXX. I stopped after I received my deposit, but I noticed the next day that there were multiple charges after my withdrawal that adds up to XXXX. I contacted current bank and was told to contact XXXX which I did. I was told that they didn't see the transactions that I was referring to. Then I contacted current back, and was told I would need to file a dispute, but was not able to file the dispute until the transactions was cleared. I waited until the next day XX/XX/XXXX and filed the dispute. Then I waited 7 days for them to tell me that there " investigation " concluded that they found no wrong. I didn't even get a explanation as to why nothing.
Product: Checking or savings account

PNC BANK keeps playing hard-ball with a refund owed to me. PNC BANK had me submit over 3 times a dispute against XXXX TV Screaming TO THEN BLOCK MY DEBIT CARD WHEN THE VENDOR ~ XXXX TV ATTEMPTED TO REFUND ME {$130.00}. FURTHERMORE, On XX/XX/2021 at XXXX XXXX  ( REFERENCE CONFIRMATION CALL # XXXX ) a lady by the name of XXXX, OF THE XXXX LOYALTY DEPT., ATTEMPTED TO REFUND MY REFUND AND SHE TOLD ME SINCE XX/XX/2021 & PRIOR THEY TRIED TO REFUND ME FOR ALL THE GLITCHES WITH STREAMING TV, BUT PNC HAS HAD THE PLEASURE TO BLOCK MY REFUND. PNC ACTS LIKE THE MONEY IS COMING OUT OF THEIR VAULT. XXXX TV HANDS ARE TIED REFUNDING ME SINCE BEING BANK IS BEING UNETHICAL & UNPROFESSIONAL WITH THEIR LAME EXCUSES THAT THEY ARE IN THE RIGHT.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX debt collector XXXX XXXX XXXX referencing XXXX number XXXX is reporting on my transunion and XXXX. I've disputed with the company on XX/XX/year> on violation of communication when I sent a cease and desist letter that was mailed out, previously disputed XX/XX/year> debt validation of debt and never got a respond from debt collector, however I want to know method of validation with the names of individual, list of businesses who conducted the investigation so I could of answered accordingly. I've noticed on the XXXX that they are not registered to collect on this alleged debt. I've never got proper notification XXXX days prior debt was put on my report. My next steps will seek arbitration from credit bureaus, if this don't get resolve promptly. Has XXXX notified that this account is being disputed?
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

We did an equity loan on our home to pay down our credit card debt. My wife and I have combined 35 years of business with Discover but, when the XXXX manager checked the box, WITHOUT us knowing, to pay our card and then close the account. This was done without our permission. Discover closed our account, which since 1996 we 've never been late nor have we missed a payment. Even though the branch XXXX at XXXX wrote a letter stating it was a mistake, checking the box to pay and close our account, Discover refuses to reverse this error and reopen our account.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I received a copy of my experian, XXXX, XXXX credit report, and noticed XXXX late payments that need to be deleted. It is as follows : Creditor Name : XXXXXXXX XXXX Account number : XXXX Creditor Name : XXXX XXXX XXXX  Account number : XXXX Your agency has violated my consumer rights and violated federal law ; I have proof in 15 USC 1681b ( 2 ) of the Fair Credit Reporting Act, which is noted below.

15 USC 1681b ( 2 ) - permissible purpose of consumer reports. THE LAW CLEARLY STATES : IN GENERAL SUBJECT TO SUBSECTION ( C ), ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. 


I did NOT give your agency written authorization or written instructions to report this information. 

You have not only violated the Fair Credit Reporting Act, but your agency has committed aggravated identity theft and I've sustained defamation of my character, just to name a couple damages should this matter escalate to court. 

Experian, XXXX, and XXXX have violated my consumer rights as well, which is noted below. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This reported information is not only a violation of federal law, but just like your agency, they have damaged me in the form of defamation of my character and they have committed aggravated identity theft, because I did not give them written permission to report this information. Which is a violation of 15 USC 1666b.

15 U.S Code 1681a ( 2 ) ( a ) ( i ) Definition ; rules of construction ( 2 ) Exclusions ( a ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; You're not following federal laws and that's a violation. It clearly states that with this law as well, I am demanding you to delete the above late payments from my consumer report. 

You have 14 days to respond upon receipt of this letter to delete the referenced items and send me a new letter notifying me that the information has been deleted from all consumer reporting agencies and also mail me a new copy of my report or I will be seeking legal action against your agency for these damages. 

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

I contacted the credit reporting agencies to obtain a copy of my credit reports and when I received them, I seen the reports were filled with inquiries and accounts that were either charged off or in collection under my name. I contacted these companies an informed them these accounts had to be in error because I have no knowledge of them I requested the companies provide me with documentation of the original contracts with dates & both parties ( my Signature as well as the Companies ) signature on the documentation they could do no such thing. I also have tried disputing these inaccuracies through the credit bureaus, they have done nothing besides ignore me the companies have not provided me with any proof of contracts/documentations or anything, but instead the credit bureaus continues to report these accounts as accurate I really need my information reported correctly and the credit bureau should not be allowed to report this in accurate information to other parties it is outright slander.
Product: Debt collection

I hope this complaint finds you well. I also hope that my complaint will serve as a warning to other individuals who hopefully read this complaint and how to avoid Diversified Consultants. 

First and foremost, after receiving a letter in the mail after noticing that Diversified Consultants has placed a Derogatory Remark on my Credit Report, thereby severely ruining it I was deeply concerned. I had filed a complaint with XXXX as well due to their communications tactics, and their complete disregard to providing me with all of the information necessary to validate the debt in a timely fashion. 

They have refused to provide me with the following information, as per the Debt Validation requirements : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

Not only that, but the only letter I received from them was the same letter that I have received previously, and this is deeply concerning to me. As the original balance has been successfully paid off in the past, and they are trying to still collect said debt more than 5 years later! 

Lastly, when I filed the XXXX  Credit Dispute I then noticed in the fine print that they operate as a different entity in my state ( Massachusetts )! This could also cause an error with my dispute as well and I believe this is a under-handed tactic by them! 

They claim to be named Diversified Consultants, Inc., which can be found on the top right of the letter attached to this complaint. However in the fine print they state that they operate as Florida Diversified Consultants in the state of Massachusetts. 

Lastly, they claim that I must inform their office that I am disputing the validity of this debt, instead of having to go through the credit bureaus. 

Please help me resolve this issue, as this is severely affecting my future prospects in multiple areas.
Product: Student loan

My loan is currently being serviced by MOHELA for PSLF purposes, prior to that it was serviced by XXXX. On XX/XX/22 I called MOHELA to request a refund to payments made during the COVID 19 Pandemic as I am entitled by the Cares Act. The refund would be roughly equivalent to {$1600.00}. At this time I was quoted a wait time of 4-6 weeks. 6 weeks passed and I called again, this time I was given a wait time of 60-90 days. When 90 days passed I called again and was told it was 60 business days from my first call. That would bring me to today where I have still yet to see movement on my account as it relates to the refund Im entitled to.
Product: Credit reporting

Initiated credit freezes at all XXXX bureaus in XXXX of 2015. 
Equifax and XXXX now require a form letter and ID to be sent via mail to receive the free credit reports. XXXX still provides the report online. 
Equifax and XXXX are being punitive since I initiated the credit freeze.
Product: Debt collection

Debt firm purchased medical debt for pennies on the dollar, got a judgment, let the account sit dormant until about a year and a half near end of the 10 year statute for a judgment, are trying to garnish my wages. 
I called the firm and asked if I could settle it for a lump sum and they refused, stating they are n't allowed to settle medical debt. I asked why she said, " We do n't write the law so I dont know '' I called the Collection firm who placed it with the Attorney and they also refused to settle, stating they wanted every penny from me. All of this and I find out the hospital wrote the debt off -- {$2000.00} so I 'm assuming the firm paid maybe {$500.00}, and are now forcing me to pay {$5000.00} to them through garnishment without consideration of a lump sump payment of a lesser amount. Where is the CFPB when you need them???
Product: Mortgage

I had mailed in a cashiers check for my mortgage payment on XX/XX/year>. My bank isnt local so I had to request it over the phone. I was unaware that a number in the memo line was incorrect, the memo line whats supposed to have our loan number in it. When the mortgage company received the check they wouldnt apply it to our loan due to the incorrect loan number in the memo line. It supposedly was mailed back to us. We never received the check yet it was cashed. After months and months and of back and forth between us and the mortgage company, Planet Home Lending and our financial institution, XXXX XXXX XXXX XXXX, we got copies of the check that was stolen and others that had been paid to our mortgage. We saw the clear differences between them and knew that someone had stolen our money and it was most likely someone from the mortgage company who did it and never mailed the check. The check on the left is the check from XX/XX/year> with is the check that was stolen. The check on the right is the check we had to mail in for our XXXX payment with was a double payment PLUS late fees due to the stolen check. You can clearly see the differences. The stolen check was signed on the back and the check that was applied to our mortgage has a stamp. When our credit union looked up the info for the check that was stolen, none of the info matched with us a clear indication that it was fraud.
Product: Debt collection

XXXX XXXX sent our balance to Monterey Financial Agency LLC for  collecting the balance. the balance amount every month keeps going up, when I asked the rep at the agency they told me it's my interest rate that incurs interest daily according to my contract. i asked them to send me the balance they received first from XXXX XXXX and they did, after carefully explaining to them what they were doing wrong, which was extremely hard because they would not even let me talk and cut me off and get very defensive on the call and loud. I talked to their manager and explained they were charging me double interest, the balance already had an interest in it and the manager on the phone  said " made sense '' and she said she will do some digging and get back to me regarding the issue but she never did. this collection agency is deceptive and robbing people every day. they are cheating their clients and charging whatever they feel feasible. they shouldn't even be allowed to do business at all in California.