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 confidentially under 15 USC 1681 XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX I truly have no knowledge of this account however i did dispute this account never recieved a response. This is very damaging to my credit i would deeply appreciate if this account will be removed as soon as possible. XXXX XXXX credit card XX/XX/XXXX XXXX i used this credit card company to build my credit i used my own money when i told them i wanted to close this account they did not they continue to put late payments on my account which is incorrect i asked them to send me my money back they never did however i could careless about they money i just want this item removed from all three credit reports i would deeply appreciate it so i can start rebuilding my life and credit so i can make a better life for my family thank you for your time. 15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting company can not furnish a account without my written consent 15 USC 1681 S- ( a x1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any resonable cause to believe that the information is inaccurrate. So im asking to please remove both accounts from all three credit report agencies i would deeply appreciate it. Thanks for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the Credit Bureaus ' inability to verify the disputed account on my Credit report despite the multiple letters I have been sending to them! How many letters would it take me to send to them in order for the Credit Bureaus to update and correct the status of this account? Once again, I am NEVER LATE in paying with this account. I have my own record of payment history to ensure the data athat the Credit Bureaus and the creditor present is accurate and not erroneous. The information they present does not match with what I have! I am requesting that the Credet Bureaus stop this erroneous reporting and correct this account to report accurate information on my Credit report! I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining account to be corrected : XXXX XXXX XXXX XXXX : {$290.00} Date Opened : XX/XX/2020
Product: Mortgage

An insurance claim was filed on our barn due to damage from snow load. We first contacted Freedom Mortgage Company on XX/XX/XXXX regarding the insurance check process since the checks were made out to Freedom Mortgage, myself, and my wife. On XX/XX/XXXX we sent Freedom Mortgage Company XXXX checks from our insurance company totaling {$52000.00}. Both of the checks were signed by my wife and myself as directed by the mortgage company. One of the checks stated " For Deposit only '' with our bank account number on it. Instead of sending us back our check that stated " For Deposit only '', Freedom Mortgage cashed our check and held all of our money. Is that not against the law?? 
We have contacted them multiple times attempting to resolve the problem, ( dates including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all from XXXX ). I requested to speak with a supervisor on XX/XX/XXXX at Freedom Mortgage Loss Draft Department and was told one would contact me in XXXX hours, it is now XX/XX/XXXX and I have yet to hear from a supervisor regarding this issue. An inspector came out to our property on XX/XX/XXXX to view the completed work so that he could notify Freedom Mortgage that the work was in fact completed. On XX/XX/XXXX, we received 75 % of our insurance money from Freedom Mortgage via a check. We should have received the full amount back from Freedom Mortgage since the work is complete, but they are insisting our contractor complete a " Waiver of Lien '' form. They refuse to give us the remainder of our money even though the work is complete. 
Due to the length of time this process has taken it has created a financial hardship for us, causing us to have to pay for materials, labor, etc out of our own pocket. We are now coming up on a month of Freedom Mortgage holding our money, which could have been used to pay the contractor or it could have been accruing interest in our bank account, but instead is supposedly being held in our escrow account. If that is the case, then any interest accrued should be mine and not Freedom Mortgage.

This whole process has been nothing but a nightmare. Freedom Mortgage has been extremely difficult to deal with and I am concerned that they are breaking the law by cashing our check when it explicitly states " For Deposit only '' with account number following.
Product: Credit reporting or other personal consumer reports

Wilshire consumers has inaccurate information on my report. 
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. The paid off amount is not accurate. Monthly payment is inaccurate. This ground for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation
Product: Credit reporting or other personal consumer reports

I request in writing XX/XX/year>, to U.S. Bank National Association to stop reporting negative impressions to my credit report. It stopped and then continued. I tender special deposit to U.S. Bank National Association XX/XX/year>, to pay off the account and made Affidavit of Notary Presentment and Certificate of Mailing XX/XX/year>, with Payment in full. I got no response and acknowledgement of my Notice of Acceptance with presentments and payment for the accounts. Instead, they keep reporting delinquency to my account and have their attorney file a lawsuit against my estate. As the implied surety of the Principal Debtor, I have the right to tender payment via special deposit. 
It was neither acknowledge nor rejected. 
This continued negative reporting is harming my financial health and ability to gain credit in good faith.
Product: Credit card

Discover credit opened without my knowledge in XX/XX/XXXX ACct # XXXX I was born XXXX I called credit company they say it was a mistake on my account
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Dear CFPB, I am writing to dispute a debt being collected by [ XXXX XXXX XXXX {$210.00}, ] [ XXXX XXXX XXXX XXXX {$390.00} ] [ XXXX XXXX XXXX {$1400.00} XXXX. The collector failed to provide the legally required validation notice, depriving me of the opportunity to dispute the debt within the 30-day period under the FDCPA. Additionally, upon reviewing the records, I discovered numerous discrepancies, including inaccurate amounts and questionable account details.

The failure to notify me properly constitutes a violation of my consumer rights. I respectfully request that you investigate these violations and take appropriate action. Please ensure that this debt is not reported to credit agencies until verification is complete. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

My XX/XX/2020 was not process with the bank in time. The intrest charge resulted in {$2200.00} in intrest. I paid the XXXX. The store card is XXXX XXXX which is associated with Comenity Capital Bank
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; EQFX CDN Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX.CT Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX
Product: Student loan

I have called Sallie Mae a number of times to help work with me on payments I can afford. I sent them payments, but they don't cover the minimum payment they want. Now, they tell me I don't have online access to my account because my online priviledges were revoked. They won't let me see any of my information that is connected to it. Even if they won't accept a payment less than the minimum, I should still be able to see information about my loan.
Product: Credit card

I have the Capital One Venture XXXX credit card. One of the benefits is the ability to easily use rewards. I have tried to convert my points ( rewards ) to transfer to a partner for over 30 days, but the verification system has not allowed the transaction. The 2-step authentication process works without problems when logging into my Capital One accounts. The problem only occurs when trying to convert rewards. The only way to convert rewards is via the app or website. My credit card was recently replaced and is the only thing that has changed since the last time that I transferred points in XX/XX/XXXX. I thoroughly explained this to each and every agent and was assured that the new card has been updated in all systems. I contacted Capital One several times and was transferred to customer service, digital technical support, and online technical support. I was told a myriad of reasons why the process is not working ; overseas travel, not clearing the cache on my computer, and my phone numbers need to stabilize. The last supervisor that I talked to finally explained that the 2-step verification process was recently updated. She said that other users are experiencing problems, but there is no solution at this time. She also explained that the only option is the wait until the problem is resolved which is unknown. Points can only be converted via the self-service online system, and it can not be overridden. Now I have points that cant be used. Capital One acknowledges that there is a problem and has not bothered to implement a temporary solution. I contacted Capital One XX/XX/XXXX, XXXX, XXXX, XXXX. I didnt get the names of all the agents, but Ive talked to XXXX XXXX XXXX ID : XXXX, XXXX ID : XXXX, XXXX ID : XXXX. 

This is a time-consuming process that has involved over an hour-long phone conversation with each of the several phone calls. I have been told that they cant put notes on the file because this is related to points and not the credit card program, so I have to explain the entire process over and over again with each agent. I have been transferred to phone recordings or the call has been disconnected during the transfer.
Product: Student loan

I have been paying my student loans for more than 10 years thinking that I was accruing the eligibility requirements for participating in the Public Service Loan Forgiveness program. At no point was I notified by my loan service provider that the federal loans I had did not qualify.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I Paypaled a lady {$97.00} for XXXX XXXX Concert Tickets. I have yet to receive the 2 tickets I purchased. I have tried contacting her multiple times. She was transfering me the ticktes through XXXX. I have also contacted them about not receiving what I purchased. I have done a request of {$90.00} dollars to the lady on Paypal. I need to know the next step to take. I either want my money back or I want the tickets. The tickets are dated for XXXX XXXX at XXXX XXXX XXXX, XXXX GA at XXXX. 
Please contact me here or via email to further more discuss this problem. XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

on XX/XX/10 i called Capital One to ask if I could confirm if I qualified for their recent class action settlement because I was never sent an email or paper in the mail They then told me that yes I was eligible and notified via email but I never received the email they supposedly sent I asked if there was anything left for me to do They said no its too late & nothing can be done since I missed the deadline
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has several contact phone numbers and they all keep a customer running relentlessly on a hamster wheel. If you are able to get a representative on the phone you are lucky. 

I have tried for two days to get someone on the phone so that they provide an extend to my unfrozen credit file but, noone ever picks up the phone and they conceeded that the phone service is wack, and that other people have complained about the hamster wheel effect. XXXX is trying to provide me with a free phone and they need access to my credit file to verify my social security number but, we have not been able to get through and are being told that there is a freeze although the system says the file is unfrozen. 

I wanted to update my personal information in my credit file and it is utterly impossible to do so on experian website. Experian Website is a NIGHTMARE.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

The collection agency Aspire reported to all XXXX credit bureaus that I was over 100 days delinquent in scheduled payments to them for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I never made any payment arrangements with them nor was I contacted by them to schedule any payments or to inform me that I was being billed. It was not until I checked my credit score that I realized what they did. Upon speaking to them, they made my account current up to XXXX/XXXX/2016 due to an in-school deferral, but they refuse to remove the late payment delinquencies on my credit for XX/XX/XXXX and XX/XX/XXXX, when I informed them that the information was erroneous they said there was nothing that they can do, because from their end the information was accurate.
Product: Mortgage

My name is  XXXX   XXXX   XXXX , I am a  XXXX  patient. I am concern for the outcome of the modification that  Chase  is giving me. I have been struggling making payment where {$390.00} is hard for me to make, as well as the increased amount of {$400.00} later on. That  ; s w hy I could not keep up with the payment. Now I am getting the amount of {$430.00}.  XXXX  as the payment per month after modification is booked. I am seeing something wrong with this picture. I would like  Chase to discuss this with the loss mitigation manager department to see if they could extend out the term with the lowest interest rate so my payment can be lower tha n before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the referenced Chapter XXXX Bankruptcy with credit report of XX/XX/2018 and your report shows the items were deleted from my credit file. Now these items have been reinserted on my credit report. 
In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material.

*Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
*If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.
Product: Debt collection

XXXX from the attorneys office called and left a message on my phone that sounded suspicious. I called back to find out what it was about. She only told me it was from an auto loan debt from XXXX, but didnt have any more information. Then threatened with interest rates that have been incurred over the years. She did not want to give me any more information then hung up the phone. This supposed debt is almost XXXX XXXX XXXX that Im not aware of. This can not be legal for an attorneys office to be able to get away with this type of stuff. It has to be illegal. Please confirm or advise me what to do? Should I get an attorney and take these guys to court and sue them? Im a XXXX XXXX  XXXX XXXX veteran. This has to be illegal being on a fixed income? 

My correct cell phone number is XXXX for XXXX XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX - XXXX, XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX  - XXXX, XXXX FIN - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, "