23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I have contacted the company and spoke with XXXX who was clueless and asked me to ask the company which they sold the account to to furnish me with the 1099. According to 15 U.S. Code ss 1692g I asked for this debt validation. They have never contacted me back. This Company took a write off which makes me no longer responsible for the debt and they needed to provide me with a 1099 due to taking the credit for writing off the debt. No one has any idea what i was talking about and kept transferring me to other areas that couldn't assist me. They have violated my consumer rights by providing another company with my information.
Product: Credit reporting or other personal consumer reports

Subject : URGENT DISPUTE FCRA VIOLATIONS XXXX XXXX  ( Acct # XXXX ) & RECENT CFPB ACTIONS AGAINST EQUIFAX XXXX Dear Sir or Madam, This letter serves as a formal dispute under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) regarding inaccurate, misleading, and potentially illegal information reported on my credit file for the following account : Creditor : XXXX XXXX Account Number : XXXX Account Status : Collection/Chargeoff Nature of Dispute : Multiple violations of the Fair Credit Reporting Act ( FCRA ) DEMAND FOR IMMEDIATE CORRECTION I am demanding an immediate investigation and correction of the following violations, which are clear breaches of my consumer rights : 1. Credit Limit Discrepancy ( 15 U.S.C. 1681e ( b ) ) Equifax reports a {$0.00} credit limit while TransUnion reports {$2400.00}. This inconsistency damages my credit utilization and violates FCRA accuracy requirements. 
2. Overstated Past Due Balance ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) The reported past due balance can not exceed the original credit limit, yet it does.

3. Charge-Off with Reported Balance ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) ) If the account is charged off, the balance should be {$0.00} unless actively transferred to a debt collector. 
4. Illegal Re-Aging of Debt ( 15 U.S.C. 1681c ( a ) ( 4 ) ) The Last Reported and Last Active dates have been artificially updated to extend the reporting period, an illegal practice.

5. Failure to Identify the Correct Charge-Off Date ( 15 U.S.C. 1681e ( b ) ) The charge-off date must be correctly reported to ensure accurate reporting timeframes. 
6. Failure to Mark Account as Disputed ( 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ) Since I am disputing this account, all credit bureaus must mark it accordingly, yet this has not been done. 
7. Illegal Late Payment Reporting Post Charge-Off ( 15 U.S.C. 1681c ( a ) ) Once an account is charged off, no further late payments should be reported. 

RECENT CFPB ACTION AGAINST EQUIFAX {$15.00} MILLION PENALTY TO CONSUMERS I reference the CFPBs recent enforcement action against Equifax, where the bureau ordered Equifax to pay {$15.00} million to affected consumers for : Failing to conduct reasonable investigations of consumer disputes. 
Allowing previously corrected errors to reappear on credit reports.

Not forwarding all relevant consumer information to furnishers during dispute investigations.

These systemic failures show a clear pattern of noncompliance with the FCRA. Given this precedent, I expect my dispute to be handled in full compliance with federal law to avoid similar regulatory violations.

FAILURE TO COMPLY WILL RESULT IN LEGAL ACTION If these errors are not corrected within 30 days, I will : File a formal complaint with the CFPB.

Pursue legal action under 15 U.S.C. 1681n for willful noncompliance, seeking statutory damages, punitive damages, and attorney fees.

This letter serves as official notice under the FCRA. I expect immediate compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I filed a complaint with XXXX, TransUnion, XXXX and I didn't receive a response back until back. Today 's date XX/XX/2022, this date is way passed the 30 days time frame allowed. i am requesting these following items be removed from my report 1. ACCOUNT NAME : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account is duplicate with multiple listing as open error please delete inaccurate. ACCOUT NAME : 1. XXXX XXXX  BAL : {$150.00} charged off listed 2. ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXXXXXX BAL {$0.00} 3.. ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX BAL : {$1000.00}. ACCOUNT NAME 4. XXXX XXXX XXXXXXXX XXXX XXXX {$2400.00} 5..ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX BAL : {$0.00}
Product: Bank account or service

I opened a bank account with TD XXXX ; about 1 month down the line I lostmy wallet and did n't realize my TD bank card was in there since I was still using my XXXX Account. I received my report from XXXX and it states that I Owe Td bank XXXX. I have never overdrawn any money out of that account. I want to file this complaint so we can get to the bottom of what happen to my TD bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : PENNYMAC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Debt collection

Continued to contact family members with same last name after repeatedly asking them not to and attempting to resolve debt
Product: Debt collection

XX/XX/XXXX - I called Capital Accounts regarding item on my credit report that reflects derogatory from XXXX XXXX. This company began calling me on XX/XX/XXXX regarding this debt and I advised them I do not owe the debt. I requested they provide me proof. They refused to acknowledge the dispute verbally and advised me to send the request in writing. This company has called me repeatedly using an automated dialing system and at which time I advised them I did not provide them permission to call my cellphone for any reason, I am billed for these calls. Each time they call I demand they cease contact attempts by phone. Even during the COVID-19 pandemic they continue to call regarding this debt and I have advised I refuse to make payment. I have been hung up on, yelled at, talked over, belittled and harassed by at least 20 employees at this company. Most recently on XXXX I advised I want proof of the debt and the agent told me already provided it and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting ten CFPB complaints and six dispute letters requesting that you remove the fraudulent accounts and information that are being reported on my Credit File! You have been stubborn to not remove the disputed items completely from my Credit File and yet you have been claiming that the disputed items have been verified. Under the Fair Credit Reporting Act section 605b, you ( The Credit Reporting Agencies ) are required to remove any accounts and information that resulted due to identity theft. Despite the numerous attempts in having the disputed items removed, you have been persistent with your claims that these items are verifed, and yet you have not sent me any copies of proof of verification that resulted from your supposedly investigation. Once again, I am requesting that you remove the following items immediately : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX IL, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX Balance : {$390.00}. I have informed my legal council about my situation and they are willing to help me resolve this matter in " legal ways '' possible. If it is not too much to ask for, please remove the disputed items immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope you are having a good day! This is XXXX XXXX submitting this CFPB complaint to the Credit Reporting Agencies today to inform the Credit Bureaus that I was the victim of identity theft. I made a research on how to remove the fraudulent information from my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : 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 XXXXXX/XX/XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS SEVERAL LATE PAYMENTS REPORTING ON MY CREDIT FROM XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FOR MY BANK XXXX XXXX. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Product: Checking or savings account

Citi bank closed my account while I was traveling after a week of it being open. I made no abnormal transactions and put in XXXX. They are withholding the money from me and I need it now. They gave me no prior notice and I had to sit on hold to figure this out.
Product: Student loan

Pennsylvania Higher Education Assistance Agency / AES I have contacted them several times about both covid and issue with my loan being marked as " disqualified ''. This company is one of the worst customer services, they care nothing about the person and only the bottom line. When I made a inquiry about my loans not being charged interest or payment during the INITIAL covid relief act they essentially said " we mange your loan NOT US Govt so we will continue to charge interest COVID or not ''. No " I'm sorry, lets try to work this '' or " it unprecedented times we understand '' ... nope just a straight " NO '' and then went to charge me interest. They are really shady and pretty much the bottom of the barrel. I will NEVER recommend them or use them for any of my kids. By the way the I have other leanders ( thank god ) for some of my student loans ( XXXX   is one ) and EVERY OTHER one suspended payments and interest ... except these scumbags.
Product: Debt collection

On XX/XX/2018, my spouse was contacted regarding a personal account that I have in collections. My husband is not associated with this account in any way. He doesn't even know my SS #. The debt collector shared detailed information on this account- amount owed, purchases made, dates, etc. I spoke with them today and they have assured me that he will no longer be contacted. 

Can they do this because we are legally married and live in Texas? I complained to them and reminded them of Federal law.
Product: Credit reporting or other personal consumer reports

Due to violations of the Family Educational Rights and Privacy Act FERPA 20 U.S.C.

1232g 34 CFR Part 99 and related federal privacy laws. The institution failed to protect my educational, financial records. XXXX XXXX failing to process your dispute regarding unauthorized disclosures!!
Product: Debt collection

On XX/XX/2018 {$2500.00} was charged to my credit card for a previously negotiated settlement from XXXX XXXX XXXX ( Medical Data Systems ). I originally owed around {$6000.00} for an inpatient hospital stay at XXXX XXXX XXXX. I was contacted by a debt collector from XXXX XXXX XXXX stating that if I paid them {$2500.00} " today, '' my debt would be zero 'd out ; stating that his supervisor approved this negotiated settlement. I borrowed the {$2500.00} from my parents and paid this debt. I was advised that they would mail me a confirmation letter stating I had a {$0.00} balance, which I never did. on XX/XX/2018, I received a phone call from XXXX, a debt collector at XXXX XXXX XXXX, stating that the original debt collector XXXX " made a mistake '' and " was not meant to offer this much of a discount, '' as this was not approved by XXXX XXXX XXXX ( even though it was approved by the debt collector 's supervisor ). When I asked to speak to XXXX 's supervisor XXXX, XXXX then stated that XXXX was " new '' and that they were " dealing with this mistake internally. '' XXXX told me that he would refund the money ( the agreed upon settlement of {$2500.00} ) and then set up a new payment plan for the entire amount originally owed. I told XXXX that when XXXX set up this agreed settlement, he violated the Fair Debt Collection Practices Act by falsely misrepresenting what I owed in order to settle the debt. I even called on the morning of XX/XX/2018 to ensure that the payment went through and that everything was all set, and was advised again that everything was good on their end and that they would mail me a confirmation letter, which I did not receive. XXXX falsely misrepresented my debt and falsely led me to believe that if I paid a large lump sum at once, my debt would be settled. I did not agree with a new payment plan with XXXX XXXX XXXX at this time as I believe this debt collector acted unfairly and unethically. Since this was an internal mistake ( after I already paid my agreed upon settlement ), XXXX XXXX XXXX should have to honor their initial settlement agreement with me despite them now having to lose money. I was just on the phone with XXXX for 25 minutes and have the entire phone conversation recorded, where he stated in detail in the conversation the initial agreed upon settlement and that it was an internal mistake that " they were dealing with. '' The audio file is 12.5 mb so I am unable to upload it to this file ( 10 mb max ). If an email can be provided, I will be happy to forward this audio file. Thank you.
Product: Credit card or prepaid card

I opened a credit card account with First progress located in XXXX XXXX Tennessee. After 6 months I was not pleased with the service and closed my account. They sent me a letter stating that the account was closed however the account is still open and has an available credit of {$130.00} along with my past due amount of {$160.00}. I called the company to ask why I still have an available credit and they said because I still have a past due I will always have an available credit. I stated if the account was closed I should not have an available credit however just a past due balance. I later discovered that the account is still open but they titled it somehow someway as closed and it is not technically closed. The company did not want to speak with me nor did they want to show any resolve..
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I C System Opened XX/XX/2016 + {$190.00} Original creditor : XXXX XXXX   XXXX XXXX This is not my collection account. This account was opened fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute regarding the incorrect items on my credit report It has been well over 30 days. I have not received any investigation results, or any satisfactory solution. I previously submitted a CFPB complaint ( case number : XXXX ) with all required and Identifying information and items still remain on my credit report. I received a request for information as a resolution. They do not have any investigation results at all.
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX XXXX - XXXX COLLECTIONS XXXX. XXXX XXXXXXXX XXXX  XXXX - XXXX COLLECTIONS XXXX. XXXX XXXX XXXX- XXXX XXXXXXXX XXXX- XXXX XXXX. XXXX XXXX ACCOUNT the account is accurate, without providing any evidence di a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

Good day, This makes my 2nd complaint with you all against Portfolio Recovery. I've reached out to them on several occasions and no success. I've repeatedly asked them to provide me with a signed contract by me to validate business between me and themselves or a signed contract by me to validate the subject debt/account. To date, I've only received an explanation from them on how they acquired the account along with a billing statement which VALIDATES nothing. Again I point out to you that I also checked my states licensing site and see that you are currently licensed until XX/XX/XXXX which was effective as of XX/XX/XXXX however I see that my credit file was updated prior to XXXX ( XX/XX/XXXX ). Attached you'll find my initial complaint ref #, my comments, their response which I assume was accepted by yourselves as you closed out the complaint and again my response to that. After that was closed I received yet another letter from them stating they've requested additional information which I've not provided and I won't as I do not have any additional information to give. Also, I did also contact XXXX XXXX directly ( as I'm a current customer of theirs ) for assistance as the subject at hand is listed as one of their accounts but they advised this wasn't something they could help with. As I seem to have no luck I'm again filing my complaint with you and will also file with the Federal Trade Commission, the XXXX  and the Florida Attorney General. 

Your assistance in this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX  XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX I've contacted the company and they did not give me any information. I've contacted EQUIFAX AND XXXX To remove these unauthorized inquiries from my credit report and they have not done it.
Product: Consumer Loan

An inquiry for SunTrust Bank appeared on my XXXX credit report, an inquiry I did not authorize. This occurred while there was an active fraud flag on my account. 

I began by filing a dispute with XXXX, but the inquiry remained. 

I then wrote a letter to SunTrust and asked that they remove the inquiry, but it remained. 

I then filed a XXXX complaint on SunTrust. In response, SunTrust sent a letter stating that the information submitted on the application matches my contact information. That is not responsive - if someone is using my identification to fraudulently obtain credit, they are, by definition, going to use my information. 

SunTrust has declined to remove the inquiry, and that is unfair and inappropriate.