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

This presents a violation according to the regulations within 15 U.S. Code 1681s-2, which delineates the responsibilities of entities that furnish information to consumer reporting agencies. Prior to its reporting, no written notice regarding the account was provided. Consequently, I am formally requesting the elimination of this account from my credit report, as I contest the validity of the alleged debt. Additionally, this action appears to contravene my rights as outlined in 15 U.S. Code 1681b ( 2 ), which specifies acceptable purposes for consumer reports. The account was reported without my explicit consent, and it seems that my social security information has been utilized improperly. Given my status as an identity theft victim, it is crucial to emphasize that 15 U.S. Code 1681c-2 mandates the blocking of such data without my explicit written authorization. As per 15 U.S. Code 1681a ( 4 ), consumer reporting agencies are obligated to respect my privacy rights. Nonetheless, it is evident that my privacy rights as a consumer have been transgressed, as the information was disseminated publicly without my authorization. Accordingly, I hereby formally insist upon the prompt removal of this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I 've been trying to resolveXX/XX/XXXX XX/XX/XXXXthe multiple negative student loans that currently appear on my credit report. Please note XXXX XXXX XXXX account # XXXX has reached its statue of limitation in my state ( FLORIDA ) of 5 yearsfor reporting on my current credit report. This account has also been charged off and transferred to another agency. Currently this particular student loan has beenconsolidated however the negative accounts have truly been hurting my account. 
The Credit Bureau ( XXXX, Equifax & XXXX ) are neglecting to verify the accounts properly to determine to determine which ones are duplicateor originals. Due to poorlack of investigation I 'm requesting that all of the accounts be removed from my credit report.As stated above the loans in question has been consolidated and these negative accounts are truly hurting my score.
Product: Debt collection

XXXX XXXX Amount {$240.00} Opened XX/XX/XXXX Original creditor -XXXX XXXX Midland keeps trying to collect debt that was discharged in bankruptcy. They purached a junk debt, they have reaged the debt and refuse to review papers showing debt was discharged in XX/XX/XXXX. They are causing me financial hardship
Product: Mortgage

Wells Fargo Home Loans Bui\lder Division is using illegal tactics to build their business within XXXX XXXX XXXX . They are doing this by partnering with an ESCROW service provider. ESCROW OF THE XXXX sales REP XXXX XXXX is very well connected within the builder industry. Wells FARGO Retail office and Builder office is opeining escrows with XXXX XXXX. As a retrun for this buisness, XXXX is telling builders to use WELLS FARGO as their preffered lender for the take out financing. XXXX is creating a false environment. making the process harder to sell for builders and harder to buy for buyers so that he can influence the builders vendors choice- XXXX has designed specific FALSE processes that make it harder for buyers to get loans from lther lenders. this way his choice of lender, Wells FARGO/ XXXX XXXX have the upper hand and they limit the buyers ability to shop for the best mortgage deal. XXXX XXXX creates an atmosphere that FORCES PEOPLE to use WELLS FARGO/ XXXX XXXX XXXX does this becase XXXX sends XXXX retial refinance transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This just proves that XXXX Credit Bureaus lacks proper record keeping. Now, this account is reported to be late, yet it is closed and the balance is XXXX. Lets change this immediately. The Bureau is required to verify for themselves but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay for credit report access from  XXXX . They reported my score as  XXXX . I requested a loan and they reported an experian score of  XXXX . My bank offers free credit score information. It said my  XXXX   XXXX  score was  XXXX , Equifax  XXXX . Why the significant variations in my score? Why are the scores I paid for inflated or the scores reported to lenders undervalued? I feel like its intentional to offer me terms that would cost me more.
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

Chime closed my deposit account, savings account, and credit-builder account without explanation. The funds I have in the account can not be accessed and you can see below that I will not receive them for the next 30 days. Chime doesn't allow you to speak to a rep or see the account for recurring transactions that are billed to the checking account, which will have ripple effects on other bills. This should fall under the XXXX umbrella especially since Chime restricts access to my own funds. Which by the way all come from payroll direct deposit. 

" Hi XXXX, Following a recent review of your Spending Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Spending Account will be closed on XX/XX/2021. 

Once your Spending Account is closed, a check for any remaining balance will be mailed to you within thirty ( 30 ) days of XX/XX/2021, to the address we have on file for you ... '' XXXX XXXX ( XXXX ) XXXX
Product: Credit card

I have consistently made timely payments on this account and have never allowed them to be overdue. I do not understand why there are reports of late payment remarks on my accounts. According to 15 USC 1666b, this billing error should be corrected.
Product: Credit reporting or other personal consumer reports

I am requesting an update to the payment history for two accounts on my credit report that incorrectly show late payments. The accounts are : XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX These late payments are inaccurate. Please review and update the records to reflect accurate, on-time payment history. I have included supporting documents as proof.
Product: Debt collection

I received a credit monitoring alert that a collection was place on my credit report. The collection agency name reads Accelerated Financial Solutions LLC. The original creditor reads XXXX XXXX which I assume is XXXX. The account was opened 6 months ago on XX/XX/207 and reads as an open account. The amount owed reads {$180.00}. There is no account number given just the information I provided above. This is a fraudulent account! I NEVER opened a account or requested services from this company. This is fraud! This fraudulent account has caused almost a 40 point drop to my credit score. Please assist me in getting this matter resolved as I am planning to go for a home loan within the year and will not be able to do so.
Product: Debt collection

I received a debt collection letter in the mail written on XX/XX/XXXX by Linebarger Goggan Blair & Sampson, LLP. This letter claimed that I owed {$42.00} for a parking ticket dated on XX/XX/XXXX. I never received a parking ticket on XX/XX/XXXX so I wrote back a dispute letter on XX/XX/XXXX stating that I never received a parking ticket on that date and that I wanted proper validation from Linebarger Goggan Blair & Sampson, LLP proving that the debt was truly mine ( USPS Certified Mail Return Receipt proves that Linebarger Goggan Blair & Sampson, LLP received my dispute letter on XX/XX/XXXX ). I did not receive a response letter from Linebarger Goggan Blair & Sampson, LLP until XX/XX/XXXX stating that XXXX XXXX XXXX Parking Violation Collection was the original creditor. They also sent me two pictures, one of a license plate number and one that was blurry and indistinguishable. They claim that this is a picture of my license plate and of my dash without a parking receipt. The license plate picture they sent me does not match the number of the documentation they sent me. The license plate does not belong to me nor has it ever belonged to me. Upon further investigation I found that the license plate photo they sent me belongs to XXXX XXXX XXXX with vin # XXXX. I have never owned this vehicle nor have I ever driven this vehicle thus it is impossible for this alleged ticket to belong to me. I sent back a letter on XX/XX/XXXX demanding that Linebarger Goggan Blair & Sampson, LLP cease and desist all collection activities and that if they fail to do so I will sue them for breaking the Fair Credit Reporting Act Laws.
Product: Debt collection

My rights have been violated sharing information I have not approved and According to 15 USC 1692C they have violated my rights by unlawful communications. Please remove this collection off my credit report.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
XXXX XXXX : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Debt collection

I was sued me for more money than I owe. My car was sold after the repossession. The sale price was not deducted from the balance. The statute of limitations has expired and they have garnished my pay check.
Product: Debt collection

This company is alleging I have a debt owed to a company called XXXX XXXX ( XXXX ) with account # XXXX. I have signed into this website and see not account on record. Additionally, there is no information reported on my credit reports regarding this account. They are trying to get me to pay {$710.00} for an account I am unaware of. They have called my wife, my mother, my cousins and God knows who else trying to get in contact with me even though I have already spoke with them. I am not going to pay a default debt just because they make repeated calls to my family and threaten legal action against me. If their is a true debt owed they need to follow the legal process in the state of Oklahoma.
Product: Credit reporting or other personal consumer reports

This account payment history is incorrect. Asked for statements showing late payment being received. The company didnt provide. Furthermore, the company held up unemployment benefits, where the money would have been used to pay auto loan accounts. Then reported the account as late. Payment History should be updated so reflect NEVER LATE or the XXXX  year old account should be removed from all credit agencies. Money settlement didnt resolve this issue.
Product: Debt collection

this company has been passing this debt back and forth between a collection agency and itself. It has been hard for me to keep up with who has this debt. They continually harass me and will not remove it from my credit report. After requesting validation from them, they sent me an old medical file with part of my medical chart on it. I sent them a certified letter stating that they violated the HIPPA and they responded with a dispute on my credit report. I believe they are not ever going to remove this from my credit report. My insurance has also paid this. I do not have access to that insurance carrier as to I have switched carriers since that date of service.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I ran my credit report through XXXX. 3 accounts were on my account that show date account opened and closed with no activity reported. The dates closed respectively are XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX, ell well over 10 years old. I called XXXX, was told to submit a dispute request and they would investigate the accounts. At the end of XX/XX/XXXX, I was notified XXXX finished its investigation, but would not take the accounts off. Reason : due to Customer Dispute, the 10 years changes to most recent activity date ( my dispute ) and the accounts would stay on the report. First and foremost, these accounts were not mine primarily, they were joint accounts dating back to when I was married. Since being divorced over 10 years now, there is no reason it should stay on my report. It is reducing my credit score for no good reason and immediately needs to be removed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize. The following accounts : -U S DEPT OF ED/GSL/ATL # XXXX -U S DEPT OF ED/GSL/ATL # XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Debt collection

Gatestone Collection agency called my friend and my adult daughter and disclosed they were calling to collect a debt from me. They told them to have me contact them at XXXX ext XXXX about my debt.
Product: Credit reporting or other personal consumer reports

Chex Systems XXXX XXXX Attn : Consumer XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : Consumer ID # XXXX To Whom It XXXX Concern : It has been brought to my attention that XXXX XXXX XXXX XXXX has listed OVERDRAFTS on my Chex Systems XXXX, dated XX/XX/year> To my knowledge, I have never had negative listing with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from XXXX XXXX XXXX XXXX including copies of any documentation associated with this Suspected Fraud Activity which bear my signature. In the absence of such documentation, I request that this OVERDRAFTS be permanently removed from my Chex Systems report ASAP.
Product: Debt collection

Called XXXX XXXX XXXX XXXX XXXX ( account XXXX ) &  paid the {$130.00} on XX/XX/19 confirmation # XXXX. Emailed payoff proof to Penn Credit Collections Agency on XX/XX/XXXX. XXXX XXXX XXXX has notified Penn Credit on XX/XX/XXXX, XX/XX/XXXXXXXX & XX/XX/XXXX that the payment was satisfied XXXX XXXX XXXX closed the case. My issue is that I am working with XXXX and opened a dispute/investigation so that XXXX can contact Penn Credit. According to XXXX, Penn Credit refuses to verify that debt has been satisfied from XXXX XXXX XXXX in order to remove my negative payment from the credit bureau. Waited another 2 weeks opened up another investigation/dispute with XXXX to contact Penn Credit and still they refuse to acknowledge that payment has been made, hence XXXX can not remove my negative from my credit. Penn Credit however did acknowledge through CFBP that they received verification from XXXX XXXX XXXX utilities that payment was satisfied and that they would closed the case which doesn't seem so. This is dishonest and disturbing, ethically wrong.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX Portfolio Recovery, XXXX, and XXXX XXXX have my accounts and I contacted them several times and still have not received any response. It's been a lot longer than 30 days and go as far back as XX/XX/year>. I reached out every month.I never gave any permissions for the accounts to be sold. They are also showing Open and Collection. From my understanding this is incorrect. I want these items off of my report.
Product: Debt collection

i have XXXX accounts with this company that do not belong to me and are fraudulent acct # XXXX and XXXX i have included a copy of police report and id theft affidavit notarized this needs to be removed asap
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one is falsely showing I was late for 3 months in a row and they refuse to get correct the late payments.
Product: Checking or savings account

NFCU bill pay mistakenly sent a biller two payments. The initial payment was XXXX, then two days later they sent the biller another XXXX. I contacted NFCU who directed me to contact the company they contract to do bill pay. I contacted XXXX XXXX who asked if I had contacted the company. I asked them to rectify the matter since they had mistakenly sent out the two payments. They said they contacted the biller. 

I contacted the biller who said they'd never been contacted by NFCU bill pay and it would take approximately 30 days for them to refund the payment. 

I contacted NFCU again to dispute the payment and they stated that they are not able to send out payments so they are not responsible and can not open a dispute. It would be up to bill pay to issue a refund until the biller refunds the mistaken transaction. 

The bill pay company they used stated that the bill pay was set up to send two payments in XXXX but only one in XXXX and one in XXXX. ( That is impossible ). Neither party is willing to accept any responsibility for mistakenly sending money from my account. NFCU said because they use a third party billing system they can neither dispute transactions nor are the funds insured. 

Although NFCU stated that the XXXX XXXX is separate, when you look up the XXXX XXXX  system used by NFCU it shows NFCU endorsing their XXXX XXXX system and encouraging you to get the mobile XXXX XXXX app as well. However, when there is a problem, they deny any responsibility for it.
Product: Mortgage

My VA mortgage was recently sold to another finance company called Lakeview Loan Servicing LLC in XXXX XXXX, VA. They have added a processing fee to the loan which said if you pay between the XXXX and the XXXX there is no fee from the XXXX to the XXXX there is a {$5.00} fee and from the XXXX to the XXXX there will be a {$10.00} fee and after the XXXX there is a late fee. I have never been late on a payment but like most retired people I do not get my pension check until around the XXXX  or XXXX of the month and social security checks come on the XXXX Wednesday of the month which means every month I will have to pay at least a {$5.00} fee which will add {$1800.00} to {$3600.00} on a 30 year loan and if they are servicing say 1000 loans that is between {$5000.00} and {$10000.00} extra every month. It seems unfair to me and where is all that money going? I have also reported this to friends that I know in different mortgage companies and to the VA.