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

In accordance to the fair credit report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 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 states a consumer reporting agency can not furnish a account without my written instructions u.s.c 168 ( c ) a 5 section states : no consumer reporting agency may make any consumer report containing any of the following items of information another adverse item of information other than records of convictions of crimes which antedate the report by more than 7 years 15 u.s.c 1681s2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person or has responsible cause to by liens that the information is inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX recently began reporting Account number XXXX as derogatory on my credit report, after I initially requested validation of this debt a year ago. To this date, I have yet to receive validation of the debt. It was however removed until recently. 
Experian, Account XXXX XXXX, and the original creditor, XXXX XXXX failed to provide debt validation in the time allowed by the FCRA. As such, this derogatory, and unverified information should be immediately removed. 

This debt was never even mine as it belonged to my son. Upon speaking with XXXX XXXX they removed this debt from my name and placed it in my son 's name which was paid off. 

Account XXXX XXXX is further breaking the law by reading this debt on my credit report claiming the account creation date of XX/XX/2021. This is obviously false, as it was originally an account that was not mine with XXXX XXXX years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

filed a report with FTC for identity theft contacted credit reporting agencies and reported fraud XXXX XXXXXXXX, transunion fraud alerts and security freezes added to credit reports disputes, personal identifiers, and FTC report mailed to credit reporting agencies they refuse to remove inaccurate information by using stall tactics
Product: Debt collection

Collections showed up on my credit report from Credit Collection Services for charges to XXXX. 
From XXXX : shows {$300.00}. 
From XXXX : shows {$500.00}. 
From XXXX : shows {$500.00}. 
All show date opened as XX/XX/XXXX. I check my reports faithfully ( at least once a week ) and this suddenly appeared on XX/XX/XXXX. I have filed disputes with all 3 companies. Today I received a collection letter in the mail from Credit Collection Services dated XX/XX/XXXX saying I owe {$500.00} for XXXX account # XXXX ( see attached ). I also received a voicemail from XXXX. When I called the number on my voicemail and told him ( XXXX XXXX about the letter I received, his response was for me to " burn it ''. I have voice recordings of the conversations with XXXX from XXXX ( see attached ). I just want this resolved.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 




XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against XXXX XXXX located in XXXX, VA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit card or prepaid card

I was gifted a {$100.00} XXXX XXXX XXXX XXXX XXXX for XXXX. When I attempted to make an online purchase with the card, the purchase was declined. I logon to the website used to check the balance of the card and the balance reads XXXX, with a charge from XXXX in amount of XXXX, zeroing out the balance of the card. I contacted XXXX customer service and they said they would email me a dispute packet that I should return to them after filling it out.
Product: Credit card or prepaid card

XX/XX/2021 i purchased a netspend card loading {$150.00}. When I tried activating it i was informed to contact support. Upon contacting support I was then told I was not allowed to do business with netspend and they would send me my refund i a form of a check 7-10 business days. Well its been a month, Ive called them repeatedly and each time they go over the same information asking my address and so fourth to make sure my check is mailed to the correct address. Still no check, I called two weeks ago asking to speak to a supervisor whom then notified me they had the wrong address on the check that was mailed, which i was suppose to get on the XXXX of XXXX. So we go over the info again and i again give my correct address. Still no check. I called today XX/XX/XXXX and asked what was going on the cs rep then tells me there was a notation on my account statin that the address i provided wasnt the address I had originally activated my card with. I asked to speak with a supervisor and i was then disconnected. This has made me fail in my college courses due to these fund were meant for books that were required. This is crazy please help
Product: Mortgage

In XXXX I took out a home loan with XXXX XXXX XXXX XXXX dot XXXX for $ XXXX. It has been transferred multiple times and an alleged servicer called XXXX from XXXX has been collecting payments from me but I have still not received an updated statement as required by State and Federal Law. They claim that XXXX XXXX XXXX XXXX. is the Trustee for a Trust called XXXX XXXX XXXX XXXX which owns no properties nor ever acquired my note since it was filed with the XXXX XXXX  XXXX in a Chapter 13 BK filed by the original lender XXXX XXXX. My Attorney has sent them a QRW asking them ofr certian information and they have yet to reply to it. We ask that the CFPB please get involved as soon as possible and investigate this since we believe the documents filed by them on title are fraudulent.
Product: Credit card or prepaid card

The reasons they gave me are false because I have investment accounts with them and I have platinum benefits with them for having those accounts but they are denying me access to my money and my benefits and above all they are hiding information and account statements, that is, they are trying to do fraud with me I need help
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XX/XX/XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX , TX XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX  XXXX XXXX  XXXX Fl XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX : My only telephone is : Telephone : XXXX I do not wish to have any other telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the XXXX. 
1 of 2 post office, and they are not reportable as per the FCRA since they are inaccurate. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I demand that you exclude the following transactions from my consumer report. According to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; and 15 U.S. Code 1681b ( a ) ( 2 ) ( a ) In general ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

See transactions below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 XXXXXXXX Account name : # XXXX XXXX XXXXXXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX {$1300.00} Account name : XXXX XXXX XXXXXXXX {$900.00} Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX has 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card or prepaid card

I open a Verizon Visa card last year to take advantages of money back on groceries and gas. Everything was going smoothly until I setup an auto deduct from my bank. I had used a savings account with several other banks to make payments. No where does Verizon Visa through Synchrony Bank ask you if the account is saving or checking. I made three payments and all were rejected because it was a savings account. Finally someone in their customer service area told me savings accounts were not allowed. I went to use my on XX/XX/XXXX and is was declined. I called back customer service and the card was reinstated. I went to use it today and it was declined again. Now they tell me it is closed forever and the last guy should never had reinstated it. I have an XXXX credit score and I am very upset that this will affect my credit.
Product: Vehicle loan or lease

Complaint Demanding Removal of Unlawfully Reported Repossession and Associated Derogatory Information Your Information : * Your Name : XXXX XXXX * Your Address : XXXX XXXX XXXX, XXXX, TX XXXX * Your Phone Number : XXXX * Your Email Address : XXXX Creditor Information : * Creditor Name : XXXX XXXX XXXX XXXX * Creditor Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX * Phone Number : ( XXXX ) XXXX Account Information : * Account Type : Automobile Loan * Account Number : XXXX XXXX  Original Loan Amount : XXXX  * Date of Repossession : XXXX XXXX Date of Auction XXXX  Complaint Details : I am filing this formal complaint to demand the complete removal of the unlawfully reported repossession and all associated derogatory information from my credit reports with XXXX and XXXX. The reporting of this repossession is inaccurate and violates Texas state laws and federal consumer protection acts. 
* Failure to Provide Proper Notification of Repossession and Sale : * According to Texas law, specifically the Texas Business and Commerce Code, Subchapter F ( Secured Transactions ), creditors are required to provide proper notification before and after the repossession and sale of a vehicle.

* I did not receive proper notification regarding the repossession of my vehicle. Specifically, I was not informed of : * The date and time of the repossession. 
* My right to redeem the vehicle. 
* The date, time, and location of the vehicle 's auction or sale. 
* An itemized accounting of the sale proceeds and any deficiency balance. 
* Failure to provide this required notification violates my rights under Texas law. 
* Unlawful Repossession and Denial of Redemption Rights : * Texas law provides consumers with the right to redeem their repossessed vehicle before it is sold. 
* I was not given a reasonable opportunity to redeem my vehicle, or I was actively denied this right. 
* This denial of my redemption rights is a direct violation of the Texas Business and Commerce Code. 
* Inaccurate Credit Reporting and Derogatory Information : * The credit reports from XXXX and XXXX contain inaccurate and conflicting information regarding the repossession, including : * Discrepancies in account status ( e.g., " Paid '' vs. " Derogatory '' ). 
* Conflicting information about the worst payment status and current payment status. 
* Missing information about the auction date and sale proceeds. 
* Duplicated remarks on XXXX. 
* This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), which mandates accurate and verifiable credit reporting. 
* Potential Violation of the Texas Debt Collection Act : * The actions of Mike Carlson Motor C, including the potential failure to provide proper notifications and the reporting of inaccurate information, may also violate the Texas Debt Collection Act.
Product: Checking or savings account

I use a smartphone service called XXXX XXXX which I have my bank account and debit card link to. XXXX XXXX requires updated information from my banking company Simple which is not providing updated information to XXXX. This forces me to not be able to use XXXX XXXX which needs to know if I received my payment on XX/XX/XXXX. Simple will not provide that information which is incredible frustrating. I never had this issue with XXXX and I 'm about to close my simple checking account
Product: Debt collection

My identity was stolen, it was reported and taken care of. I received a collections from Jefferson Capital Systems saying I owe XXXX money. I advised them I have never had a XXXX account. I asked for a debt verification and they denied to provide me that information. I have requested it twice, and they will not send me a verification that the debt is mine. 

This was with another collections company and I disputed it with them as the debt not mine, it was removed. This debt appeared with a new company a year and a half after it was removed. I have called XXXX and they have advised me they don't have any account information for me. I have been on a battle to dispute this debt endlessly with XXXXefferson Capital and they are refusing to comply with a verification request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint on both agencies Transunion and XXXX for reporting inaccurate information in regards to one account XXXX XXXX XXXX. I have gotten results back from both agencies and both agencies are reporting two different FEDERAL removal dates within a 3 month difference for this one account to be removed which is impossible if they were reporting the information the creditor has furnished to them correctly. Transunios results state " we have verified this account belongs to you '' which they have miscategorized my previous request in which I had already put them on notice that the estimated month and year this item will be removed was inaccurate because the payment history does not prove it. trasnunion had failed to fix this error because the date remains the same. I've never once denied ownership of this account with transunion and experian, my disputes have always been based on inaccurate reported information. 

TransUnions results XX/XX/XXXX federal 7 year removal date XX/XX/XXXX XXXX results XX/XX/XXXX federal 7 year removal date XX/XX/XXXX to my understanding 1681i ( a ) ( 5 ) ( A ) ( i ) if AFTER any reinvestigation a item remains inaccurate, incomplete or can not be verified the reported item is suppose to either be Modified to the maximum possible accuracy 1681e ( b ) or Deleted. This account has not been modified accurately. how is it possible that both agencies conducted a investigation with the same creditor and supplied Mme with results but both results reflect different FEDERAL information. the payment histories with both agencies report the same date of commencement of the delinquency date of XX/XX/XXXX further more proving that both agencies are not even reporting the correct month this account is schedule to be removed. to my understanding according to 1681c ( c ) ( 1 ) the 7 year period shall begin on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. Such date is required to report and report accuractly with respect to any deliquenct account. Both agencies are reporting inaccurate information and have illegally re-aged this one account and is not reporting what capital one has furnished to them correctly. I've disputed with the consumer reporting agencies and gave them a chance to fix this account on numerous attempts, I have disputed with XXXX XXXX under XXXX tracking XXXX and waiting for there response in the mail.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX Account XXXX Inaccuracies and Issues XXXX. Account Balance and High Credit Conflict : XXXX  Balance : {$5600.00} XXXX  High Credit : {$5600.00} XXXX Credit Limit : {$4200.00} o The high credit matches the balance, but both exceed the credit limit, raising a red flag for verification. 
XXXX. Discrepancy in " Last Reported '' Dates : o XXXX : XX/XX/XXXX o Experian : XX/XX/XXXX o XXXX : XX/XX/XXXX o Future reporting dates violate the FCRA 's accuracy requirements. 
XXXX. Conflicting Comments : o XXXX : " Dispute resolved ; customer disagrees. '' o Experian : " Subscriber reports dispute resolved - consumer disagrees. '' o XXXX : " Consumer disputes after resolution ; charged off account. '' o The comments indicate unresolved disputes despite being marked as " resolved, '' leading to inconsistent reporting. 
XXXX. Date Last Active and Date of Last Payment Issues : o Date Last Active : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX o Date of Last Payment : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Experian : Missing information. 
XXXX. Payment Status Conflicts : o All three bureaus list " Collection/Chargeoff, '' but the payment history shows inconsistent " XXXX  '' and " XXXX  '' marks, especially for XXXX, where there is a mix of " XXXX  '' and " XXXX '' XXXX. Two-Year Payment History : o The payment history shows " OK  '' statuses in some months even after the account is listed as charged off, leading to reporting contradictions.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

On XX/XX/XXXX I transfered XXXX $ online from my XXXX  checking account to a separate institutions Comenity Direct financial account. The Comenity Direct account rejected it despite funds available. 
I repeated the transaction. This time the XXXX $ withdrew from my XXXX  Checking account and transferred successfully to my Comenity savings account. 
On XX/XX/XXXX my Comenity savings account charged back the XXXX $ due to insufficient funds which is untrue as the funds where with drawn from my XXXX checking. So I never got my XXXX $ back into my checking account. 
I fought with them for several days with no answers. 
I then filled a dispute about the unsuccessful transaction from my original XXXX  checking account. 
XXXX found the error was true then added my XXXX $ back. Then somehow Comenity Direct with Drew this newly added XXXX $ back to the Comenity Direct savings account again. The savings account again charged back another separate XXXX $ from my account now shorting me and stealing XXXX $ dollars! They have now stolen XXXX $ from me and I've exhausted all resources to get this money back to no ends.
Product: Credit reporting or other personal consumer reports

The following accounts are not mine and were unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX