23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus are violating my rights under the FCRA, and also the they are no complying with the 60 day investigation parameters set fourth by CFPB. I have tried 3 different times this year to get the credit bureaus to update my information. Each time i have submitted a complaint with the CFPB, I get no help. The bureaus have given me the same answer for all 9 of my complaints. That they are still investigating my results. After 9 months. The are still investigating my results. They are stalling. I will be also submitting a complaint with the Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

I was in a car accident on XX/XX/XXXX and my vehicle was totaled. I worked with insurance to pay the vehicle loan off. Under my insurance claim, XXXX checks were coordinated with the bank and then issued by XXXX on XX/XX/year> and sent to XXXX XXXX XXXX  for the total loan payoff amount to release the title. On XX/XX/XXXX and even exactly XXXX day after my loan due date, I called in to customer service to check on the status of the loan payoff as my loan was not delinquent and I wanted to avoid negative credit reporting and fees. Per my discussion with a customer service representative, they informed me that there would be no issue with billing, and that I should not take any action on my loan or make any payment myself.

However, I received a notice on XX/XX/XXXX that my loan was sent to collections, I received a {$35.00} fee, and a negative credit reporting result as they reported my loan account delinquent. The information provided by the customer service representative misled me. The outcome was unfair and deceptive. I paid the loan off in full later that same day on XX/XX/XXXX, inclusive of the {$35.00} fee. On that same day I also disputed the fee, and I disputed the negative credit reporting, on account that the actions taken by the bank in misleading and then punishing me caused me harm and could not be reasonably avoided by me, since I was following the direction of the bank representative. 

In answer of my dispute, I received a letter on XX/XX/XXXX, which was dated XX/XX/XXXX, that the information reported to the credit bureaus was accurate. First, I do not doubt the information is accurate and that was not the nature of the dispute. Second, I disagree with the bank 's decision to charge me a fee and to report the negative credit information anyway as the whole situation was unfair to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous attempts to inform credit bureaus that I have been the victim of identity theft and that I want to check specific data in my documents that were obtained as a result of the crime. The records I'm looking at have nothing to do with any purchases of goods, services, or money that I've made or authorized. Remove off my credit record any information that was allegedly obtained by fraud or extortion, assuming no one is looking. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company has negatively impacted my credit and I'm unaware of this debt. I do believe it's the same debt that argon agency was falsely placing on my credit that's been removed and now this random company is posting the same debt. I'm not sure if this is the case or not because I haven't received any contact or notice from MEDICAL DATA SYSTEMS I
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in dispute with XXXX XXXX  since XX/XX/2019, I have disputed the contract upon which the credit was created to place a mortgage upon my residence. Instead of trying to resolve the matter they have decided to ruin my credit by reporting negatively to all three of the major credit reporting agencies. They have reported the disputed account as delinquent or late instead of disputed. I have told them that what they were doing was illegal and that as long as the account was unresolved in dispute they can not report it as an attempt to harm my credit. They continue to report the account in a negative manner, thus ignoring, my dispute and the Federal Statues that protect me as a consumer. 

I have sent a package to your office with all of the documents regarding my dispute with XXXX XXXX, I am sending this additional complaint because I received a credit alert and when I checked it XXXX XXXX had placed another derogatory entry on my file.
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 XXXX XXXX, Account name : SXXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. XXXX 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: Vehicle loan or lease

I tried to trade in my recently purchased XXXX XXXX i did not know the car is on the high theft list, credit glory a credit repair agency told me from XXXX to XXXX i have a total XXXX inquiries.also i lost my wallet in XXXX of XXXX along with my sons information and id & social security card i right away requested a freeze on my credited info as well as his.but XXXX thing that credit glory told me wa in XXXX of XXXX in just XXXX month i have XXXX inquiries that is very strange.the companies listed on my report were ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX a XXXX XXXX wanting to move next year to a safer neighborhood next summer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and these inquires is hurting my credit score the last few years before i retired i worked really hard to pay off medical bills, bring property taxes up to date currently making home repairs to sell or rent this car trade in thing went really bad in XXXX.
Product: Debt collection

They call excessively every day from different phone numbers each time, including Saturday and Sunday, and sometimes before XXXX and XXXX. Today, XX/XX/19, they called me at work. I am not allowed to receive personal phone calls at my place of employment.
Product: Credit card or prepaid card

On or about XX/XX/XXXX, I called Barclays, my credit card company, to report a pending purchase for {$390.00} at XXXX that I did not make. They cancelled my credit card and sent me a new one. I heard nothing more until my statement closed on XX/XX/XXXX and the charge was shown as a transaction included on my statement. I called Barclays and they said they determined the charge was a valid charge. I explained again that I didn't make that purchase and was in possession of my credit card the entire time. Barclays suggested that I call XXXX. I called XXXX to report the fraudulent charge on XX/XX/XXXX. Per XXXX, XXXX XXXX is the fraudster and a hockey table was the item purchased on-line, delivered to an address in the state of Ohio, full address not provided. I filed a police report on XX/XX/XXXX. I called both Barclays and XXXX to report the filing of the police report. XXXX took the information without a problem. Barclays only accepts faxes and postal mail as per their protocol. I faxed the police report to Barclays on XX/XX/XXXX from XXXX, incurring a charge of {$4.00}. 

Between XX/XX/XXXX and XX/XX/XXXX, I have called Barclays and XXXX several times. No one can tell me if XXXX and Barclays are working together to resolve this. I have no idea what is going on as I am constantly told it takes time. It has been over 7 weeks and I still have no resolution. I have been victimized by the person making the fraudulent purchase and daily by XXXX and Barclays as this has taken an enormous amount of time to try to resolve and additional money for the fax services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a report with XXXX, XXXX  and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURACIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an open credit card account with XXXX  XXXX XXXX. 
The account was charged off by XXXX XXXX XXXX in the amount of {$720.00}. 
I made three payments to XXXX XXXX XXXX  for the following dates and amounts : XX/XX/2019 - {$200.00} XX/XX/2019 - {$50.00} XX/XX/2019 - {$470.00} XXXX XXXX XXXX  refused to update my credit report to show that they were paid in full. I disputed this information with the Credit Bureaus and directly with XXXX XXXX XXXX. XXXX  XXXX XXXX  still refuses to market the account tradeline states as either current or as Paid in Full. It is still marked as " charged off : derogatory ''. 

This is inaccurate and incorrect information. I have included copies of the payment receipts for payments accepted by XXXX XXXX XXXX  for this account.
Product: Checking or savings account

XXXX XXXX produced a fraudulent ex parte probate order with a fraudulent signature from a criminal court judge to the bank in order to steal XXXX left to my brother and i in a pay on death account. XXXX works for XXXX, XXXX, XXXX XXXX XXXX in XXXX, ca In 2005 XXXX was suspended by the california bar assosiation for the same pattern of theft
Product: Debt collection

I took out a personal loan in XX/XX/XXXX to consolidate credit cards! On my account statement, it shows XX/XX/XXXX that payment was received and credited to my account in the amount of {$1700.00}. On the statement, it also shows XX/XX/XXXX that there was a payment correction in the amount of {$1700.00}. Once I noticed this and began questioning Synchrony, I have not been able to get straight answers. I once was told that they couldn't find the payment and was asked to send them proof. I went to my bank who gave me a copy of the cashed check with my account number written on it and Synchrony Bank stamp on the back to show proof that they cashed it! They corrected the problem but then would continue reversing it. At one time, I was told by a Synchrony representative that they still could not find any proof of the payment. Another time, I was told by a Synchrony representative that the payment was found and her and her manager found that every time the payment was reversed to show payment, the computer was glitching and kicking it back out so her manager was doing an override and that it would be corrected! I just left my bank where the loan is through, and they again verified that the check was cashed by Synchrony! Synchrony Bank has now started the process to take me to court although they have received and cashed the payment in question.
Product: Credit card or prepaid card

The complaint XXXX is not resolved. The Bank asserts giving me a credit of {$400.00} however my debit balance was not reduced by that amount. I asked for an audit and I have not received the results of an audit. I did not have a second dispute and I do not want to pay {$400.00} again. Please remove this charge from my records otherwise close my account.
Product: Debt collection

This company did not respond to my XX/XX/2022 request for debt validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 a ( 1 ) The Banking system is dependent upon my consumer report being fair and accurate. After taking a look at my consumer report, I realize that my report is in accurate in this inaccurate report is unfair to me, because I was never notified where the inaccurate information was furnished, and I was never notified during the companys investigation that they were going to report the information.

Pursuant to 15 USC 1681 a ( 1 ) This grave in accuracy has undermined my confidence in this companys procedures, and as a result of this, I am thinking about no longer extending credit, and if the information is not removed, I no longer want my information reported in this companys database.

Pursuant to 15 USC 1681 a ( 2 ) Trans Union is a powerless, elaborate mechanism this mishap that Trans Union has caused has ruined my reputation in adversely affected my credit worthiness.

Pursuant to 15 USC 1681 a ( 3 ) Trans Union assumed this role they were not given expressed permission by me, the consumer or a competent court of jurisdiction so not only did TransUnion fail in the initial investigation. They also assume this role and assume this information was valid, which is a violation of my consumer rights. 

Pursuant to 15 USC 1681 a ( 4 ) Trans Union did not ensure that this information was accurate and Trans Union did not exercise their grave responsibility with fairness and impartiality. Trans Union took one side of the story and never consulted with me to find out if this transaction even took place as a result of this, my privacy was breached and is violated my rights to privacy.

Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. This alleged transaction that Trans Union is reporting and failed to investigate whether or not if actually took place can be categorized as a transaction that took place between the consumer and the person making the report which means it should not be included in my consumer report, and in fact, is a violation of my consumer rights.

Pursuant to 15 USC 1681 a ( d ) 2 A ( iii ) And Trans Union initial investigation. I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation.

Pursuant to 15 USC 1681 a B Any authorization of a specific extension of a credit card or similar device should be excluded from my consumer report this alleged transaction that Trans Union clearly did not investigate. It is categorized as a transaction that was issued from a credit card.
Product: Debt collection

This is my fifth complaint with NCA. NCA according to documentation started reporting to credit bureaus prior to XX/XX/XXXX. I subsequently filed a complaint, which was closed with no action and I have never received anything via mail to allow validation or verification of debt.Based on your own admission, in the attached documentation, something was sent to me, however never received on XX/XX/XXXX. This is AFTER reporting had started and was not given written opportunity to request validation or verification of the debt. 

Laws have not been followed and my credit reputation has been damaged as a result. I have never been notified of this collection. As per the FDCPA, I have the right to request a validation of this debt prior to reporting and that was not done I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, or I am given in writing an opportunity to dispute you can neither continue collection activities nor report this information on my credit report. 

NCA has had several complaints and opportunities to provide proof of notification prior to reporting and has not demonstrated so, via 4 Complaints here and 1 XXXX  complaint. This is prof no notification of debt was sent prior to reporting in XXXX or sense.
Product: Credit reporting or other personal consumer reports

Experian keeps reporting my XXXX XXXX Credit Card account closed and it is indeed open, and I am currently using my card. I consulted an attorney today in regard to this matter. Not only is my card still active, but I received an increase to {$700.00} and they gave me another card with a {$1500.00} credit limit.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I called in to XXXX to pay off my credit card $ XXXX. I explained to the agent that I would like to have the account paid in full and for the account to be closed and for that information to be relayed to Equifax, XXXX XXXX, and XXXX. The rep placed me on hold and came back with the payoff. I gave her my financial information and she thanked me for my business and explained that she would handle every thing on her end to close the account and to notify the credit bureaus. 

XXXX weeks go by and I received notice that the account was past due. I called XXXX to find out why and was advised that the rep from XX/XX/XXXX may not have given the correct payoff and that they recognized that it was their error and that they would be reversing the last amount on the account and as a precaution contacting the bureaus to advise that I was not past due and the account was paid in full and in good standing. 

Another few weeks go by and I received another notice of delinquency. The previous rep did not do anything that they said they were going to do. So the new rep got a manager on the phone and she apologized and said that she would have to escalate it to a different department and I would be getting a call back in around 2 weeks. I never received a call and a few weeks later received another collections notice. 

I called to XXXX again and a rep explained to me that he saw the notes in the system that the account was being handled and that it takes 1-2 billing cycles for the update to take affect and he ensured me that there would be and had not been any adverse reporting to the credit bureaus. 

Fast forward to this past weekend and I receive another notice of collections from XXXX for {$60.00} and now I received notice from XXXX XXXX and Equifax that my scores have dropped by over XXXX points. XXXX is reporting the account delinquent and my credit is adversely being effected. XXXX is completely inept and can not do their jobs, and DO NOT do their jobs. This has gone round and round and round and today the situation is going back into " review '' for which I'm supposed to wait 2 weeks to hear from someone. I am supposed to be purchasing a new vehicle this week and my credit score will determine what interest rate I qualify for. I may end up paying thousands and thousands in additional interest as a result of XXXX ineptitude and unwillingness to correct their errors. 

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

Four fraudulent accounts appearing on credit report.
Product: Credit reporting or other personal consumer reports

Requested XXXX XXXX to opt out from reporting to credit bureaus Per the FCRA as a federally protected consumer. 16 CFR 313.10 XXXXXXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX, AZ XXXX Attached Opt out notice below
Product: Vehicle loan or lease

i have suffered a hardhsip due to loss of income and an ongoing injury and WC claim. I injured myself back in XXXX of XXXX and my family has been struggling ever since, we have applied for aid and assistance. capital one did offer to give reduced payments, however, when we requested for further assitance we were informed to " Purposefully '' let the loan get behind so that we could " qualify '' for further assitance. After doing as we were informed, we were then denied any deferment or payment assitance of any type. we had request3ed refinancing the loan and was told they were choosing to not refinance any loans at this time. to then we tried to refinance at another company, and they were unable to provide us a quote because of a falsely reported payment and interest rate of XXXX % i have been paying for this car since XX/XX/XXXX, and when we moved to florida, suddenyl nobody has our title and the lienholder has failed to obtain or provide any copies of paperwork in a timely manner, resulting in our inability to register the car in the state of florida legally. it has been more than 90 days since trying to file for registration, and we have been in contact with the XXXX and XXXX XXXX. the XXXX refuses to provide necessary documentation to the florida XXXX in which to issue another temporary tag as well. all the while we are still require to pay our monthly payment of over XXXX $ for the car, and we have had to utilize uber and door dash and other delivery services in response to not being able to legally drive the car. i believe we have done our due diligence and the the lienholder is failing to provide any form of resolution for us. we are expected the pay for something we don't even have the legal right to drive, and are expected to keep insurance on the vehicle, as well as foot the bill for any extra travel expenses or lack of ability to travel to and from work.
Product: Checking or savings account

US bank blocked my access online without explanation. They are requesting me to go to the brunch. I am currently in XXXX XXXX XXXX and Bank cant clearly explain where the branch is in NY. Its caused huge inconvenience and distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B,  15 U.S.C. 1681c-, And police report. 
after number of request by me XXXX it the only bureaus that had not block or remove any account report been open by identity theft. as fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act,