23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A timeshare contract was entered into with XXXX XXXX in XXXX of XXXX. XXXX XXXX breached the contract after receiving several thousands of dollars from XXXX. XXXX XXXX then sent the account to collections with Blackwell Recovery. XXXX disputed the collection account with Blackwell Recovery, and provided proof of XXXX 's claims to Blackwell Recovery, and Blackwell Recovery refused to process the dispute and provide a written response to the dispute. XXXX  then requested that the collection account be closed since Blackwell Recovery told XXXX they had to deal with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a notarized affidavit on XX/XX/2021 to the credit reporting agency and still havent received a response. According the FRCA the investigation shouldve been completed in 30 days well that has expired.
Product: Debt collection

I took out a payday loan in the amount of {$800.00} during the pandemic last year & fell behind on the payments. I let Check N Go know that I had just lost my income & needed to setup a payment extension on the amount, but they told me they needed full payment. I explained that due to COVID that I was waiting to get unemployment & they wouldnt halt collections efforts on the account. They sold the debt & the Third Party is wanting {$1700.00} to remove the debt from my credit report
Product: Checking or savings account

On XX/XX/17 ( which is my actual pay date ) Chime withheld my direct deposit saying it was a problem with my employer when I contacted them and I know that not to be true bc my fellow employees got paid and I was the only one who didnt. I tried contacting chime and they never responded. I was paid later that day and no one said anything after some of my payments were declined and additional fees were charged to me. This is not how to run a business and they need to be held responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute regarding the incorrect items on my credit report it has been well over 30 days and I not received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? 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 SECTION
2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting or other personal consumer reports

I want this information removed from XXXX and XXXX. I keep submitting multiple requests and receive back information from them that is not applicable to my complaint. There is zero proof this is mine, they have failed to provide the proof required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX ( co-signer ) are on the lease ; account number XXXX, monthly payment {$490.00} XXXX XXXX XXXX Lease, end date XXXX XXXX. 
At the time there were two accounts with XXXX XXXX. Payments were being made on time on both accounts. Prior to the lease coming to an end there was a dispute as payments that were being made were being applied to the wrong account creating the lease to report delinquent when it was not. Several calls were made in XXXX to XXXX XXXX to investigate and make whatever corrections needed to be made as the lease was being turned in and a new vehicle was being leased with no issues. Each time a follow up call was made the process needed to be started over again to no resolve. Now we are in COVID19 and trying to take out a loan, this XXXX XXXX is still reporting OPEN ( when it is closed ) and it is paid in full! This mark is preventing the co-signer XXXX XXXX who is a veteran of the XXXX XXXX and retired XXXX XXXX XXXX from getting a loan to put siding on his home because he is not able to paint his house anymore. XXXX XXXX is damaging his credit score yo a place that he is struggling, a XXXX Officer and retired cop! 
At present XXXX XXXX is misappropriating funds and not reporting exact payment amounts in the online account portal of three vehicles : Account, Numbers are- Account # XXXX, Account # XXXX and Account # XXXX. 

Three payments in the month of XX/XX/XXXX alone have not been reported appropriately. 

XXXX XXXX has done considerable damage to the credit reports of XXXX XXXX, XXXX XXXX, XXXX XXXX.
Product: Checking or savings account

I received a letter on XX/XX/XXXX from chase Bank stating that they put my account and my daughters account on restriction. I called the bank and they said I deposited a XXXX check into my account last week and it can't be verified. Well I told them the number is on the check. I contacted Chase Bank on XX/XX/XXXX and asked about the check and explained that I did not want my account closed because they're threatening to close mine and my daughter 's account over this XXXX check I deposited on XX/XX/XXXX. I've called 2 different people today, XX/XX/XXXX and got told once again they can't verify the phone number to Burls because it doesn't come up in the system... but it is the ONLY number for XXXX XXXX XXXX. The Bank was very adamant about the number having to come up in their system to verify. This is ridiculous. Now I'm not going to get my XXXX is what chase Bank told me as they are bouncing the check when it is a GOOD/Valid check. Burls even said they have never heard of this happening. Burls even reached out to chase bank and left a message for them to call them back. So I need help! I just want my XXXX to be in my account. I'm a single mom and needed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to you for help because Equifax and XXXX  refuses to raise my credit score after a bankruptcy was removed from my credit profile back in XXXX of this year. I filed chapter XXXX bankruptcy in XXXX of XXXX and paid if off within 3 years. Since that time I have incurred new credit, refinanced my mortgage, opened a new car loan, paid student loans on time, and opened several major credit cards that all paid on time. When my bankruptcy was removed in XX/XX/XXXX, I knew that my score should increase because I've opened new credit since the bankruptcy but instead Equifax and XXXX  refuses to add the points that I deserve. I have called them and pled my case however, I was told to wait 30 days and to contact each creditor under the bankruptcy from 7 years ago and ask them to remove the negative remark. The thing is there are no negative remarks because it was removed when the bankruptcy was removed. I believed that I am being discriminated against because I am a single XXXX American woman. My credit scores with all 3 bureaus, XXXX, Equifax and XXXX  were close to the same, XXXX, before the bankruptcy was removed but now there is a 30 point gap in my scores. XXXX  added the points back to my score which put me in the 700 's with my score while Equifax and XXXX  made excuses and gave me the runaround. There is no other explanation for this other than prejudice against my ethnicity and sexual orientation. I only want to received what I have worked to get and ask that my credit score is brought up to what it should be.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX
Product: Debt collection

My complaint is about Niagra Capital Recovery - collection agency recently form in NY. 
This is a debt collection Agency who refuses to give me a physical address. Instead, all they gave me was a XXXX XXXX XXXX 
Their tactics have included : falsely identifying themselves as a lawyers office or a mediation firm. Additionally, they have threatened arrest and stated that someone from the Sherriff 's office would be coming by to arrest at XXXX. 
Additionally, they have restated back personal information to identify that they know " what car you drive '', etc. 
Additionally, they have spoken with other members about the debt other than an immediate spouse. 
I have today filed a CEASE and DESIST letter with the agency. 
I have today spoken to the original debtor -TD Bank XXXX who apparently sold the debt to another company and who apparently sold the debt to NCR XXXX Niagra Capital Recovery XXXX. They state that they have begun to have complaints about this company and asked me to send them a copy of the Cease and Desist letter. 
The original debt was about {$150.00}. NCR has asked as much as over {$1000.00} or threatened arrest. 
These people need to be shut down. 
I have contacted an attorney on a cursory level who informed me to submit a cease and desist letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few addresses in my report that are incorrect and i would like for you to dispute them. I have never lived on those addresses and are effecting my credit.
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 confidentially under under USC 1681 section 602 a. Account name XXXX funding account # XXXX has violated my rights 15 USC 1681 section 602 a States I have the rights to privacy 15 USC section 609 a section 2 Also states a consumer reporting agency can not furnish a account With out my written instruction. 15 USC 168c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other then records of conviction of crimes which antedates the report by more than seven years. 15 USC 1681 s-2 ( a ) ( 1 ) a A person shall not furnish any information relating to consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

Ally Bank Checking Account : I recently deposited a check in my checking account on XXXX XXXX, 2016 electronically via my mobile device which was approved the following day. The funds show in my account under " current balance '' but are not available to me. I called the bank as I noticed my account was overdrafted by {$86.00} yet I just deposited a {$25000.00} check. The bank stated that the funds would not be available to me until the next 5 days as my account was flagged for frequent overdraft charges during the last 6months. However, instead of admitting this was an unfair practice, the bank instead is charging me additional overdraft fees during this period. Essentially they are blocking me from having funds available that would prevent these exact overdraft fees from being charged. This is pretty obvious to me they are exploiting a common practice in the industry which other banks were just fined for and this bank simply has just gotten away with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've Sent 4 Letters, stating there are inaccuracies in my report, 3 to the Credit bureaus, and 1 to the creditor. 

Dates XXXX XX/XX/XXXX XXXX XX/XX/XXXX They have never sent me any of the required information and have broken the law the credit bureau have been facilitating this fraudulent behavior which is breaking the law. here 's what I've asked of them and nothing. they have willingly broken the law. 


- The full account number is not listed on my credit report and as from the FTC statement is also breaking FCRA laws as this is not needed for " privacy '' The name of the original creditor The address and phone number of the original creditor The name of the person at your who verified the dispute with the original creditor The documentation used to verify the dispute You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) which under Section 611 ( a ) ( 7 ) you were required to provide a description of reinvestigation procedure by no later than 15 days. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following account be deleted immediately.

Metro 2 compliance being broken.

incorrect account status showing, charge off / collection which can not be stated on this account it's reporting incorrect and inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I have been a victim of fraudulent activity or identity theft, as revealed by a thorough examination of my credit report. In XX/XX/XXXX, I discovered an account opened in my name with an incorrect birthdate of XX/XX/XXXX, while my actual date of birth is XX/XX/XXXX. Considering this discrepancy, I was a minor at the alleged time of account opening, being only XXXX XXXX XXXX. 

Moreover, I need to report another instance of fraud involving a maxed-out XXXX credit card, which was unlawfully opened without my knowledge or consent. Additionally, I have uncovered XXXX attempts to open new lines of credit using my social security number. Some notable examples include the following inquiries : XXXX. XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX I am greatly concerned about the potential consequences these fraudulent activities may have on my personal and financial well-being. I seek assistance in resolving these issues and implementing appropriate measures to safeguard my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Student loan

My name is XXXX XXXX co-signer of Navient loan ID : XXXX and XXXX for my son XXXX XXXX. Each month I pay extra to be applied to the principal. I write clear directions on each payment stub, and also write allocation amounts for each loan in the memo section of the check. I then take a photo of all documents before mailing and the bank also has a copy of the cashed check. I do this due to the consistent and arbitrary misappropriation of funds that Ihave experienced with first Sallie Mae and now Navient. 
On XX/XX/21 I allocated XXXX to loan XXXX and XXXX to loan XXXX for a total payment of {$590.00}. Loan XXXX received the correct allocation and loan XXXX was shorted {$100.00}. Where did the {$100.00} go? 
I am so frustrated with this legalized extortion via student loan interest rates coupled with the ineptness of Navient. Thank you, once again, for reading of my concerns. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a notice from XXXX XXXX on XX/XX/, which required a response by XXXX XXXX XXXX affording me a minimum of 30 days to address the matter. The communication explicitly stated that in the absence of a response by XXXX XXXX XXXX  they would assume the accuracy of the information. In response, I communicated on XX/XX/XXXX, requesting substantiating evidence regarding the ownership of the account. Regrettably, I have yet to receive any confirmation of this information. 

Presently, this account has entered arbitration due to the lack of a response from the company. My recourse at this point is to allow legal representation to explore the available avenues for obtaining the necessary information. 

My concern extends to the credit bureau, as there is a legal obligation to review and verify the accuracy of information before its inclusion in someone's credit report. This obligation is outlined in 15 USC 6801, which underscores the affirmative and continuous duty of each financial institution to safeguard the privacy of its customers and protect the confidentiality of their nonpublic personal information.

Furthermore, 15 USC 1681, section 604 ( a ) ( 2 ), clearly stipulates that " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' In this case, both the financial institution and the consumer reporting agencies lack my consent to furnish this information, especially in the absence of written authorization. I hereby revoke any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise. 

To underscore the gravity of the matter, 15 USC 6802 ( b ) ( c ) dictates that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The account in question is deemed adverse, and it is being reported without my consent, which contravenes the law.

Lastly, 12 CFR 1016.7 clearly states that " A consumer may exercise the right to opt out at any time. '' I am choosing to exercise this right by opting out of your reporting services and formally demanding the immediate removal of this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this item with Experian for probably over a YEAR now and I have disputed it almost every other month. I just can't understand why someone doesn't actually read these disputes and tries to fix the problem. Rather than doing what needs to be done they simply look back at an old dispute and update my record from there. Problem is they are " UpDating '' it with wrong information which has caused me to NOT be able to obtain insurance thru XXXX XXXX and to pay higher rates with my current carrier as well as be denied credit with several different lenders/credit companies. 

XXXX XXXX XXXX..This account had a " Last Payment Date of XX/XX/2014, the account was closed and Written Off in XX/XX/2014 ... No further action was taken.. 
I cleared up this account with the collection agency who agreed to completely remove all their information. 
EXPERIAN is/has been showing me with RECENT NEGATIVE PAYMENT ACTIVITY and ARE CURRENTLY showing my Credit Report with 1 Recent Missed Payment in the past 60 days. HOW can I have a RECENT MISSED PAYMENT in the LAST 60 days when I have not been late on ANY accounts within the past 5 years +- ... Attached are copies of my report showing the information. The INCORRECT information. 

When I call Experian I get told either Dont worry, it falls off in 7 years or We will dispute this for you. They simply cant understand what I am reporting. Once I finish typing this report I plan on send copies to the CEO Experian XXXX XXXX. Being CEO Im sure at lease HE can read ...
Product: Credit reporting or other personal consumer reports

These are fraudulent inquiries I did not make them. THE FOLLOWING INQUIRY WAS NOT AUTHORIZED AND SHOULD NOT BE REPORTING. THESE ARE IN VIOLATION OF 15 USC 1681B. PLEASE DELETE. INQUIRY XXXXXXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX reflects on my account several times ; XXXX XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable collection account that is kept to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXX XXXXXXXX XXXX  XXXX