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

MY rights are being Violated and I keep being told that the account is verified I am not asking for verification Im requesting for DELETION BECAUSE I DID NOT GIVE WRITTEN consent for any of this to be finished on my credit report In accordance with the Fair Credit Reporting act XXXX  XXXX  are violating my rights # XXXX for XXXX XXXX XXXX, XXXX XXXX  # XXXX XXXX XXXX XXXX and I have received a 1099 for this so it is no longer a bill so it should not be reporting as a open collection, 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 in accordance with the law 15 U.S.C 1681 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Except as authorized under subsection ( b ), 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.Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; SO THIS ITEM IS INACCURATE AND I WOULD LIKE IT DELETED
Product: Vehicle loan or lease

XX/XX/2021, my auto loan was assigned to Chase Auto from XXXX XXXX XXXX. 
I became delienquent within the first 3 months because of financial hardship with covid & deceptive practices during the origination of the loan. 
I never received any information on my credit score or how my credit was ran or used.

I reached out to Chase Auto to try to adjust my payment plan or come up with a solution to avoid late charges and get current. 
I spent countless hours trying to seek a solution and the only answer I ever got was to make payment for forfeit the vehicle. 

Towards the end of the loan I was being threatened that if I missed 1 more payment, the vehicle would be repossessed. 

I ended up having to sell vehicle, but the entire loan origination, and management of the loan were predatory, as I am reviewing statements, none of the numbers are adding up, I was being double charged on late fees, or random fees, making it impossible to stay on top of monthly payments. 

After they received the loan payoff, Chase auto then took another XXXX $ out of my refund to pay for some random fee. 
The loan payoff was supposed to cover all remaining fees left to the account debited to the buyer. 

Chase Auto has done nothing but set me up to fail, and collect on it.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 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 XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX and The Credit Bureau of San Luis Obispo have violated my rights under the Health Information Portability Act and released my information without my consent which is now damaging my ability to obtain credit for personal reasons. I requested my itemized bill several times from XXXX XXXX XXXX XXXX after receiving a bill ( not an invoice for charges ). Reporting this information to the Credit Bureau of San Luis Obispo and then mailing it without any privacy security has caused undue harm to me personally. This mail was received first by my next door neighbor, the Credit Bureau of San Luis Obispo and XXXX XXXX XXXX XXXX did not ensure my privacy at all in this matter.
Product: Credit reporting or other personal consumer reports

in XXXX XXXX ended their contract agreement with the banking institution that held the credit accounts for customers. With the end of this relationship XXXX created another account for consumers ( Advantage is the old XXXX and XXXX is the new XXXX ) without the proper explanation. I called several times to question why I received late payment calls from them. It was not until XXXX or XXXX of XXXX, after paying both account balances under the New XXXX XXXX account, a customer service agent realized the issue and stated " you have to pay the old account and the new account. '' My question to the XXXX manager was, why wasnt the old account just moved over to XXXX for supervision ( new bank ). I called XXXX today to discuss the late payments XXXX, XXXX and XX/XX/XXXX. The customer service looked at the account and was able to see the complaints I called with and also noted that late fees were refunded but they " we do not offer relief to remove the late reporting comments that are incorrect ''. Furthermore, I was directed to submit a complaint to Consumer Finanace to correct the remarks. I am in disbelief after hearing the response. These XXXX late remarks that were understood by XXXX to be the result of their lack in follow through and setting up the best outcome for consumers. There are people who turn to XXXX to build or rebuild their credit but they do not respect the trust consumers have in them. XXXX is no more than another way to loan shark consumers, getting them caught in a never ending cycle of debt. I am requesting the assistance to remove these remarks from all of the reporting agencies. 
Thank you.
Product: Debt collection

Contacted around XXXX XX/XX/XXXX from Associated Credit Services . The person I spoke to was incredibly rude and condescending. He told me that if I did not pay my XXXX XXXX  balance in full he would sue me. He also appeared to be looking at my credit report and told me if I did not pay my balance in full today he would get an account number from my report and attempt to run it on that. He said I had a XXXX XXXX card that had {$300.00} in available credit which is not my card. I'm simply an authorized user on it. When I told him that was my father 's card he told me to use that card today or he would call my father and inform him of my bad debts. I immediately hung up the phone. He then called me back on a blocked number and said if I do not pay in full today he would contact my place of employment and inform them of my bad debt. 

Account is for {$1600.00} from XXXX XXXX XXXX. I offered to pay him in {$25.00} installments since I am in XXXX  and he said I need {$350.00} minimum today or we go to court.
Product: Student loan

I " graduated '' from the now defunct XXXX XXXX XXXX XXXX in 2007. I received an XXXX of XXXX XXXX in XXXX and XXXX. This degree had not helped develop my career one bit and now the degree itself is useless because of the non-accreditation. 

Not only did I use/lose my GI Bill ( it wasn't enough to cover costs ), I had to take out several private loans to offset the cost. It has been 12 years and I still owe just under {$30000.00} as of today. The school does not exist any longer, it lost its accreditation and the degree has no value.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX  and Portfolio Recovery Associates regarding the misuse of my credit report, which violates federal laws and my consumer rights. 

I want to emphasize that I have already opted out previously from having my information reported, yet XXXX XXXX  and Portfolio Recovery Associates disregarded this opt-out and unlawfully reported information on my credit report, which is a clear violation of federal law and my rights. 

Furthermore, pursuant to 15 USC 1681 ( b ), which outlines permissible purposes for obtaining a consumer 's credit report, XXXX XXXX  and Portfolio Recovery Associates did not obtain my written consent to furnish any information on my credit report, nor did they provide me with the option to opt out. This is a direct violation of my rights under this federal law. 

Their actions also violate the Privacy Act of 1974, which mandates the protection of individuals ' personal information held by federal agencies and certain other organizations. By unlawfully reporting my information without my consent and ignoring my opt-out request, XXXX XXXX  and Portfolio Recovery Associates have infringed upon my privacy rights. 

Moreover, it is unlawful to report transaction history on a credit report without proper authorization, as stated in 16 CFR 313.7. This regulation prohibits the disclosure of sensitive personal information without the consumer 's consent, further highlighting the severity of these violations. 

Additionally, 16 CFR 433.2, which addresses the preservation of consumer claims and defenses, is relevant in this context. This regulation ensures that consumers have the ability to assert their rights and defenses, including the right to dispute inaccurate or unauthorized information on their credit reports. 

I demand that XXXX XXXX  and Portfolio Recovery Associates immediately remove the inaccurate reporting from my credit report and update it to reflect that the debt is paid in full. Furthermore, I demand that they provide the following documents : the account XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX. Failure to provide these documents would indicate that they can not prove that anything is owed at all. 

Moreover, I want to highlight that XXXX XXXX  and Portfolio Recovery Associates have committed identity theft by mishandling my social security number, which is a serious violation of my privacy and security. 

Neither XXXX XXXX  nor Portfolio Recovery Associates has the right to use the non-mailable addresses they have on file, and all communication must only be through the Consumer Financial Protection Bureau ( CFPB ). 

Failure to comply with these demands may result in further legal action. I expect immediate action to rectify these violations and ensure that my consumer rights are upheld in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following Accounts, 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. 

15 U.S.C 1681 ( 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. 1681-2 ( 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.

In accordance with the Fair Credit Reporting, everything has to be 100 percent accurate on my credit report. 

XXXX stated the Discover account XXXX opened XX/XX/2018 was properly investigated but how is that possible if I never applied for the Discover account XXXX XX/XX/2018 and have sent them a letter from Discover in which it states the account was opened fraudulently? I have also filed a police report and a FTC report.
Product: Debt collection

IC systems, Inc is attempting to collect on a alleged debt that I do n't owe them. Back in XX/XX/XXXX of 2017 they agreed to stop all collection attempts and remove all the negative items from my credit reports, however they are still calling and harassing me and the negative reporting is still on my credit reports. They are in complete violation of the Hippa law.
Product: Debt collection

A person named " XXXX XXXX '' has been calling regarding a debt I do not owe, plus he called my parents in NC to discuss the debt and say that he needed to talk to me.
Product: Credit card

Per attached letter XXXX to Chase Card Services, dated XX/XX/2024, receipted XX/XX/2024, Subject : Failure to Receive Credit Balance Refund Check, amount {$1300.00} " According to your customer representative the above reference refund was to have been forward to me at the address listed above on XX/XX/2024, or the next business day. As of XX/XX/2024 or a total of XXXX postal service mailing days the refund has not been received. '' Requested : The subject check be cancelled immediately upon receipt of the letter. 

The credit balance refund of {$1300.00} be transmitted by direct deposit into my checking account, XXXX XXXX XXXX XXXX, routing number : XXXX, accounting number : XXXX. 

Acknowledge receipt of the letter and your action by text and/or email.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX days. If they fail to do so, these items must be removed from my report. 

As more than XXXX days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Debt collection

I received a phone call XX/XX/XXXX @ XXXX from a private number. The caller stated that she was with XXXX County courts and was calling in regards to a civil suit involving US Bank. When I began asking for specific information about this case she provided me with a phone number and reference number as follows XXXX ( XXXX ) XXXX Reference # XXXX. The caller then proceeded to transfer me to the agency. When the agency answered the phone I provided them with the above listed reference number. I was transferred to a woman named XXXX XXXX. XXXX proceeded to tell me that this case was in regards to an account that I had in XX/XX/XXXX with US bank. She stated that there were 2 separate checks written that totaled the amount of {$2300.00} and that with collection fees and attorney fees the total now exceed {$3000.00}. I then asked XXXX what agency she was calling from and she refused to provide the information. I asked XXXX for an address in which I could mail an inquiry letter and she stated " we are a national company so you are not able to mail however I can provide you with a fax number ''. During this conversation XXXX began to raise her voice and cut me off while speaking. I requested to speak to a supervisor and was told that I could not. When I asked why I was not able to speak to a supervisor XXXX informed me that she was the supervisor. At this time I informed XXXX that if she was not able to provide the information that I needed that I would have to contact a lawyer. At this point XXXX hung up on me. 
After I got off of work at XXXX I called the agency back. A gentleman named XXXX answered the phone and after providing him the reference number XXXX informed me that XXXX had left for the day and would return tomorrow. I asked to be transferred to XXXX 's supervisor and he stated that XXXX 's supervisor was also out of the office. I asked for XXXX 's supervisors name and he stated that he was not permitted to provide this information and hung up on me again. Both instances in which I was hung up on there was no warning regarding termination of the call. I have since been calling the above listed number multiple time XX/XX/XXXX and have only gotten answering machine. The message that is recorded does not provide information on what agency I have called and I am unable to leave a voicemail as the mailbox is full.
Product: Debt collection

1. XXXX ( Credit Grantor ) : Failure to update the status of the account following its transfer or sale to the debt collector. 
Persistently reporting a charged-off account without reflecting its transfer or sale. 
2. Blitt and Gaines P.C. ( Debt Collection Agency ) : Neglecting to report the debt on the credit file despite being actively engaged in collection endeavors. 
Unauthorized disclosure and use of personal information, potentially constituting fraudulent practices. 

Considering these violations, there are at least four potential violations in total, two attributed to XXXX and two attributed to Blitt and Gaines P.C .
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

According to the creditor the account has expired. Attached is the amount for the that is owed. XX/XX/XXXX to XX/XX/XXXX. {$1300.00}
Product: Debt collection

I have been a victim of identity theft for the past 4 years. There have been Fraudulent Items being reported to my Credit Report. The following account COLUMBIA DEBT RECOVERY ( Account Number : XXXX, Original Creditor : XXXX XXXX XXXX XXXXS. Date Opened : XX/XX/year>. XXXX {$490.00}. I have never had an account with this company. Cease the reporting of the fraudulent item being reporting immediately. I am not liable for this debt with XXXX XXXX XXXX XXXX  and I do not have any contract with COLUMBIA DEBT RECOVERY. I have attached a copy of ID and FTC report.
Product: Credit card or prepaid card

I came back from vacation from my pops funeral for 2 weeks visiting my family out of town. I checked the website and it said XXXX cardholders recieved their stimulus on the XXXX th of XXXX. I came back in town looking for my card couldnt find it. Call the costumer service they said my money was received. I havent received nothing someone stole my card. On the the XXXX they put in a dispute for me bit I never heard nothing back and I keep calling getting different agents DirectExpress customer service. Requested a new card and everything.
Product: Mortgage

As you know from previous notes i sent to you this has been going on for some time. 
I did have a lawyer who was taking {$750.00} every 3 months from my credit card and i signed paper that he would represent me so Wells Fargo would not talk to me directly. 
33 pages plus bank statements and IRS etc was sent over several months but nothing happened.I started talking to Wells Fargo and and support closure specialist ex, XXXX XXXX and more no response. They told me they would not accept payments from me till I paid them {$21000.00} as i stopped payments as XXXX XXXX told me not to pay unless they lowered the payment, So i ended up with XXXX XXXX ( wells fargo lawyer ) which i go to court and get 30 days? to move out. I told them a few months back that i would pay {$900.00} every month starting mid XXXX but they want all or nothing.As of last week i was leaving messages with Support Specialist to call me back I would start making payments or refinance.I need to get a chance and i will sent them a payment immediately,
Product: Mortgage

I have a mortgage being serviced by Shellpoint Shellpoint Mortgage Servicing XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX There are multiple properties securing the loan, and I am trying to get a release ( payoff ) for XXXX of the properties since XX/XX/XXXX. Initially they gave me a payoff XX/XX/XXXX, but it was for someone else loan ( it had all their personal identifying info on it ). I since have been trying for a whole month to get a payoff, and I have no luck. They say they are waiting on the investor to give them the information. I try to call at least XXXX  times a week.
Product: Payday loan, title loan, or personal loan

When this happened I did not have a valid ID to get a loan. I could not even cash a check from my work. How coud I get a loan With out a ID/valid ID? I do have a picture of my papper work from when I was able to get a valid Id. My new ID was issued XX/XX/XXXX. My old ID expired XX/XX/XXXX. with in the time I could not get a new ID due to I did not have a Birth Certificat and dont know mothers maden name. This is not mine! and it has been holding me back for to long... I want it removed. ASAP
Product: Credit card or prepaid card

My complaint is because I have some unauthorized charges to my Discover bank, account # : XXXX, with a current balance of {$3700.00}. This charge was made in the XXXX of XX/XX/2017. All charges after XX/XX/2017 are not mine. Im including a police report and an FTC report and also a refusal letter from Discover bank.