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

On XX/XX/2022 I submitted a letter to the credit bureaus in regards to inaccurate and unverifiable accounts being reported on my credit report. As of today XX/XX/2022, more than 60 days from when they received the letters I have not received any type of response back from either of the bureaus. At this point, I feel like my consumer rights are being relinquished and I am being totally ignored. According to Section 611 ( a ), it states that failure to investigate these accounts within 30 days gives the reason to immediately delete the accounts from my credit reports. Additionally, according to 15 USC 1681b, there are no permissible purposes for this information to be reported on my consumer reports. I have not received a response in over 60 days now ; therefore, the accounts should be deleted. 

I demand that these accounts be deleted immediately. 

Additionally, I have checked and my information was impacted by the XXXX Data Breach and my information may have gotten into the hands of the wrong person, I am also demanding that the non-account holding inquiries be DELETED from my credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent. 

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( XXXX primary physician XXXX. pa ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

All accounts in dispute listed below : XXXX XXXX XXXX / ARS XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

This is a follow-up complaint that I have already made this is XXXX XXXX I received a notice which I'm going to attach to this complaint about a debt I do not owe about a payday loan it was XXXX XXXX XXXX at first and I sent in all the information to you about that one now they're contacted me using the name Ace Cash Express and they're threatening me saying they're going to charge me with check fraud banking violation regulation and identity theft I do not owe any debt of a loan never got alone in my life I called Ace Cash Express which I got from online the number and they said I'm not even in their system I am going to send the screenshots that I have took enough to email that was sent to me today it's really frustrating me because I know I don't owe anything and I can prove that with my bank account and checking account and they said they're going to do the lawsuit on XX/XX/XXXX and it's in XXXX XXXX XXXX I have never been or even lived in XXXX XXXX XXXX in my life I am from XXXX XXXX never Ben and to XXXX XXXX and the way that they're threatening to have charges put on me I know it's a scam because they're not allowed to do that they're claiming to be an attorney as well you will see this in the screenshot I sent you they also cleaned that I never responded to their first attempts I emailed them over 50 times with no answer please help me with this situation because it's very frustrating they're also threatening to tell Social Security about this situation and I collect XXXX so I know they're not allowed to do that either there is no phone number as you will see on the screenshot or address it just says Ace Cash Express and like I said I called them and they said I do not owe them anything I'm not in their system at all please look into this I would really appreciate it thank you for your time XXXX XXXX email address XXXX XXXX XXXX XXXX XXXX and all lowercase and also they never say my name they just say dear debtor
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. 15 usc 1681i ( a ) ( 1 ) ( a ) ( 5 ) ( d ) ( 6 ) ( b ) ( iii ) ( 7 ) PLEASE NOTE This entire statue states and proves that the credit reporting agencies are not thoroughly investing the neglected and fraudulent accounts on my report. They are using automated systems to run my report and that is not effective enough when protecting my privacy. As the law states, I have the right to know how the credit reporting agencies are doing their due diligence and investigation on these damages. As this my 3rd time trying to remove these items so I can buy a homeThis is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT furnish people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Product: Mortgage

Hello Sir or Madam, I got scammed by this company Amerisave when I tried to refinance my primary home and cash out my equity. On XX/XX/2021, I have applied it from its website and the loan originator XXXX XXXX has called me to go over my application. After first initial review, he said it looked great and I got approved. Then he asked me to pay for the {$500.00} application fee. I was surprised that I have never heard that we have to pay that fee upfront when you apply for a mortgage loan. I thought it was fine because I will close the loan with them anyway. Either pay now or pay at closing. So I have agreed to pay that fee at the beginning. I have received my first disclosure and it looks fine. After the first week, I have received another disclosure with extra discount points from 0.112 % to 0.584 %. I was thinking what the heck, it seems like a bait and switch tactic that lures the consumers with impressive terms and mortgage rates. Once the consumer signs on those terms are then flipped or they're told they no longer qualify for the lower rate. This leaves consumer stuck with fees and more fees, high rates or unattractive loan terms. And this actually happened to me. I was to trying to contact LO XXXX XXXX by phone and by email, but no response at all. I thought he might be busy with other clients. So I have waited for two weeks later. I was finally able to talk to him. I have asked him what status of the loan and he said its good. Then, I asked him when we can close it. He said let him work on it. Two days after the called with him, I have received a denial letter with reason Value or Type of collateral not sufficient. I was shocked and stressed out. I have great credit history with score over 720. My current mortgage balance is {$270000.00}. And my new appraisal is {$480000.00} and they charge {$700.00} for appraisal fee from XXXX XXXX. Its ridiculous expensive. Im still thinking what the heck was going on with my refi, but now I realize that Amerisave is absolute scam. This is how they conduct their business and generate their revenue by this Application fee. They can make XXXX XXXX dollars just by intentionally doing this scam. Additional, they have 14 regulatory actions against this company on NMLS. Many consumers have been a victim by this scam business. I wish I have seen this before I applied my loan with them. Amerisave also required me to pay {$500.00} for the application before providing me the disclosure. I think this act was violated the TILA and RESPA. I hope CFPB or any other government agencies to stop this business model scam. This would seriously harm many many more consumers and economy. This is completely unacceptable. I look forward to bring a lawsuit against this business scam in court. I appreciate all your help. Thank you so much!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage arrears appear in the credit report when the account is current with XXXX XXXX XXXX XXXX XXXX. Letter is sent indicating account up to date. This has affected my credit.
Product: Credit reporting

I closed this account by turning in the mobile phone on time and they added another payment to the account when the account was closed. I would not pay it and they sent it to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US SM Bus Admin - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

UPDATE TO CLAIM XXXX UPDATE TO CLAIM XXXX UPDATE TO CLAIM XXXX UPDATE TO CLAIM XXXX I AM SO TIRED OF THIS BACK AND FORTH BETWEEN EQUIFAX AND THEM PERFORMING BUSINESS MISCONDUCT AGAINST THE UNITED STATES CONGRESS AND ITS LAWS UNDER THE FCRA . CONGRESS DEMANDS THE ELABORATE MECHANISM WHO IS EQUIFAX TO EXCLUDE! TRANSACTIONAL ACCOUNTS UNDER 15 USC 1681a ( 1 ) ( 2 ) AND EQUIFAX WILLFULLY PERFORMS AGAISNT CONGRESS AND HAS NOT REMOVED THE ACCOUNTS REQUESTED AS DEMANDED BY CONGRESS. EQUIFAX IS IN CONTRACTUAL BREACH OF THE METRO 2 COMPLIANCE AGREEMNET 2-1 page 18 WHICH CLEARLY STATES " Automated Data Accepted by all consumer reporting agencies, the Metro 2 Format enables the reporting of accurate, complete and timely credit information.

Meets all requirements of the Fair Credit Billing Act ( FCBA ), the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ) and all applicable state laws. '' THIS REQUIREMENT UNDER METRO 2 COMPLIANCE INCLUDES 15 USC 1681a ( 1 ) ( 2 ) EXCLUSIONS!!!!!! EQUIFAX IS IN FEDERAL VIOLATION ND METRO 2 COMPLIANCE VIOLATION FOR WILLFULL NEGLECTION OF GRAVE DUTIES
Product: Credit reporting, credit repair services, or other personal consumer reports

Landlord Tenant Court Records ( Date Filed XX/XX/2018, Case Type Civil Action for possession, XXXX  Case # XXXX ) I do not owe this judgment, nor can it be proved that I owe this judgment. This must be removed
Product: Debt collection

I was never served a summons for court. Midland Credit management mailed a summons to my address while I was out of town for work. Court was on XX/XX/year> in XXXX XXXX XXXX and I was not there because I was not aware of a hearing since I was still out of town for work. By the time I found out that there was a hearing it had already been close to 30 days after the hearing and I didnt have enough time to figure out how to file an appeal. I called Midland Credit Management and informed them that I was not served a summons and they said it was too late. I asked for debt validation with the original purchase agreement with all the terms and conditions with my signature since a debt collector was trying to make me pay for a debt Im not aware of and since I dont even know if the debt belongs to me, and they told me to file a fraud report instead of giving me the validation I asked for. They told me they were not a debt collector and that they were indeed an attorney firm and that the debt belongs to me or I can file a fraud claim. Again I never received the information I asked for and I was never served with a summons. Mailing a summon to someones address is not a proper way for them to try to serve a summons. Also Midland Credit Management is not an attorney firm the are indeed a debt buyer debt collector. They told me they did not buy the debt but again never gave me the information I requested. There is no debt validation to show this debt belongs to me with an original creditor purchase agreement with my signature 15usc1692d 15usc1692cc this must be removed from my credit report and closed out. They are lairs and do things unethical and corrupt. They are not attorneys and they did buy this debt unlike they said and I have never been given any validation that I asked for to show if this debt even belongs to me.
Product: Credit card or prepaid card

This COMENITYCB/XXXX  XXXX account is reporting derogatory information as reported in my Credit Bureaus XXXX The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

COMENITYCB/XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit report and notices some missing payments and a collection account I am unaware of. 

Please investigate the following account need be reviewed and updated : XXXX XXXX has not reported payments for XXXX, XXXX, XXXX and XX/XX/2019 XXXX XXXX XXXX - Account : {$540.00} Balance {$450.00} Original Amount I do not recognize this account and it does not belong to me please re-investigate delete this account from report. 

I have been wrongfully denied credit due to the following reporting mistakes. I have enclosed my ID and a bill as requested
Product: Credit card

On XX/XX/XXXX I received a suspicious activity text from Klarna asking if I made the transaction. I replied no right away and contacted Klarna. I was told they will investigate and I will not be charged due to me confirming it was not me. However I received a email 1 week later saying my claim is invalid and now theyre trying to make me pay the amount. No one seems to understand the process when you try to contact Klarna. Its not fair that the consumer has to pay the price for scammers.
Product: Credit reporting or other personal consumer reports

PEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES XXXX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday XX/XX/2018 I contacted Transunion after receiving my credit report. It currently shows for XXXX during XX/XX/2018 I was over 30days past due on a vehicle that was in XXXX possession due to a mechanical trade in. A mechanical trade in that I still paid the car note on! I spoke to a " supervisor '' at Transunion by the name of XXXX or XXXX, a very rude, narcissistic person that does not appreciate her job by the way. She preceeded to tell me that I have to speak to a special handling department with the finance company to get my issue resolved. I asked what time were they opened she told me they close at XXXX EST. I told her there is no way for me to contact them during hours of operation. She told me she could request for them to call me no matter how many times i told her this will not work because I work and I requested for her to handle this issue through an internal request. She decided to ignore me and here I am still waiting to get this issue resolved!!!
Product: Debt collection

I have called this company about my information was leaked on XXXX and XXXX database. I told them that I have information that is in inaccurate on my credit report.
Product: Credit reporting or other personal consumer reports

15 USC 1681 Section 602 States : I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment credit card account under an open end consumer credit plan as late for any purposes
Product: Credit reporting or other personal consumer reports

XXXX and Transunion have failed to resolve fraud issue. Account has been investigated at all other reporting agencies and removed for fraud. Both companies have violated consumer rights by continued reporting of outdated incorrect data in a attempt to manipulate consumer and obtain payments
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One has furnished a charge off account to my consumer report to the consumer reporting agencies in which in turn have directly affected my financial reputation. This company has failed to abide by the Gramm-Leach Bliley Act of 1999 ( GLBA ). I DO NOT AND DID NOT CONSENT to the furnishing of this information. I am aware that I have the right to privacy of my non public personal information in accordance with 15 USC 6802 and I am exercising that right and demanding that the furnishing of this information be removed from my consumer report and not be reported by Capital One to neither CRAS ( XXXX, XXXX, XXXX ). 

CAPITAL ONE did not disclose to me my right to opt out of disclosure of my non public information. I was not given the opportunity to opt out out of the disclosure of my non public personal information and I was not given any directions on how to exercise my right to opt out of said disclosure in accordance with 15 USC 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. Capital One is in violation of 15 USC 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. 

I ask of this company This notice is a CEASE AND DESIST of all illegal activities, including reporting which constitutes collection activities. Im this complaint I am exercising my right to prevent the processing of my personal data by Capital One for the account opened XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft letter and FTC report attached
Product: Student loan

I have requested a {$20000.00} refund on my student loans through Aidvantage on XX/XX/28 and still have not received confirmation of my refund. The company can not provide a timeline of when I will be receiving my refunded money as of XXXX. My account on Aidvantage and XXXX XXXX still have a zero balance listed. 

I look forward to hearing how we can resolve this issue.
Product: Checking or savings account

My business opened up a new merchant account with XXXX XXXX, which was approved on XX/XX/2022. We were up and running with POS equipment for approximately a week when they canceled our account and sent us a notification that we needed to return the equipment. This was on XX/XX/2022. After inquiring for further information, they advised that our business was placed on the MATCH list, aka Terminated XXXX XXXX XXXX. Never having heard of this, we did some research and realized that there was nothing that we had done that would be a criteria for being placed on this list. They advised that their risk department, which is Paysafe, had flagged us and advised them to terminate our account. Paysafe advised that we were placed on this list by XXXX XXXX XXXX Bank, who advised it was not them, it was XXXX and gave me an email to contact them for further information, which was XXXX. After inquiring with them, they advised that my name personally ( I am a co-owner of the business ), has been flagged as a victim of Identity theft therefore putting our business on the MATCH list. I contacted all parties, XXXX XXXX and Paysafe to request them to investigate the situation more thoroughly as we were not the perpetrators and that XXXX advised they could contact them to confirm same. Paysafe has our money on a 180 day hold. The estimated amount of money that they are holding is {$6500.00}, but this is not verified as they have not confirmed the amount.