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

According to the Fair Credit Reporting Act ( 15 USC 1681, section 602 ( a ) ), consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumers ' privacy. XXXX, XXXX, and XXXX are such agencies, and as a consumer, I have the right to ensure my private information remains confidential. This right is reinforced by 15 USC 6801, which mandates financial institutions to protect the security and confidentiality of customers ' nonpublic personal information.

According to 15 USC 1681, section 604 ( a ) ( 2 ), consumer reporting agencies can only furnish a consumer report with the consumer 's written consent. Neither XXXX, XXXX, XXXX, nor any financial institution has my consent to share my information, and I revoke any previous consent given. 

Per 15 USC 6802 ( b ) ( c ), financial institutions must inform consumers of their right to opt out of information sharing. I was not informed of this right. Additionally, 15 USC 1681c ( a ) ( 5 ) prohibits reporting adverse information older than seven years, which includes the account in question being reported without my permission.

Under 15 USC 1681s-2 ( A ) ( 1 ) ( A ), it is illegal to furnish information known to be inaccurate. Furthermore, 15 USC 1681e requires consumer reporting agencies to maintain procedures to prevent violations and restrict report furnishing to specified purposes. XXXX, XXXX, and XXXX are failing to maintain such procedures. Lastly, 12 CFR 1016.7 allows consumers to opt out of reporting services at any time, and I am choosing to exercise this right.
Product: Checking or savings account

As of XX/XX/2020 I have not been able to save anything using the money saving app called digit. I use this app to save money without having to actually do it myself for pennies on a dollar. Id like to be able to continue using this service.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN : This Credit reporting agency is misreporting information on my credit report. 
They responded with a long drawn out generic answer with no facts and answers that have absolutely no verification or proof that the information is valid. 
When I disputed the item directly with Experian, they did absolutely nothing to verify and prove the information reported by XXXX XXXX XXXX, who then sold it to XXXX XXXX. 

They ( Experian ) state the following : " At your request, we began a reinvestigation of the disputed item, and the data furnisher verified the information to be accurate as reported. 
Although you stated that the loan has since been sold to another creditor who has re-aged the information, we were unable to locate the new creditor on your credit report. '' They claim that the " data furnisher '' verified the information. 
Who is the Data Furnisher?? Why are they not specifying exactly where the data came from and their proof of how they arrived at this information. 
Specify who is the Data Furnisher? Is it XXXX XXXX or XXXX XXXX? 

Secondly, the results they sent on XX/XX/XXXX had no direct proof or information provided that what they are reporting is accurate. They simply stated that they investigated and no changes made. These same type of responses were also provided to CFPB - Consumer Financial Protection Bureau resulting in no compliance in their providing or disclosing where they obtained the information. 

Furthermore, Experian states that " negative information remains 7 years from the date of the original missed payment ''. If that is the case, the date of the original missed payment was back in XX/XX/XXXX. Experian is not verifying the date of the original missed payment, or the date of last payment. That date, XX/XX/XXXX would mean that the item has already been reported for more than 7 years. 
How long does Experian plan on continuing to report this information? That is not disclosed anywhere in their response. IF according to them, it is 7 years from the date of the original missed payment, then this item should have been removed by now.
Product: Debt collection

Received collect satement letter from ( ACI ) American Coradius international LLC ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX ) for the amount of {$480.00} ACI reference XXXX XXXX from creditor XXXX XXXX XXXX  . I contacted ACI on XXXX XXXX XXXX XXXX ( w/ XXXX  ) asking about this matter where I don't have ant XXXX  account and e-mail releted with account wasn't belong to me. She state will take care of issue but sine I read a lot of rviews agains this company I decided enter a claim at Consumer Protection Bureau.
Product: Payday loan, title loan, or personal loan

On XXXX  I contacted Santander via telephone to let them know that I could not make the full loan payment and I asked them to turn off the auto pay function and remove my bank account information. They refused to make any agreement with me to pay less than the full payment amount and gave me a phone number for collections. At that time the laon was current. They told me that they turned off the auto pay function and removed my bank account information. I called the collection company and they told me that they could not help because the loan was current. 

On XXXX  I logged into my Santander account and tried to make a partial payment and I added my personal bank account information back in. The website would not allow me to make a payment at that time as it stated it had to verify my personal checking account. On XXXX  I checked my personal bank account and Santander had auto debited my account for the {$480.00}. This was without my permission. I called Santander and they apologized but told me that there was nothing I could do. I know that what they did is a violation. I went to my personal Bank and they filed a dispute and got the money back.
Product: Debt collection

I was insured with XXXX XXXX XXXX via XXXX. I have confirmed with XXXX XXXX XXXX  that I was covered XXXX ( with no lapse ). My treatment was XX/XX/16 during the coverage. XXXX XXXX is saying they called on XX/XX/16 and were told that I had no coverage so they never billed XXXX XXXX. I did not receive collection notices on this debt. I found out about the debt because a credit application was denied and I pulled my credit history. XXXX XXXX never submitted the claim to my insurance, they refuse to provide me the bill and medical records so that I can submit the claim. The original amount was around {$1500.00} but it is now up to $ XXXX. I believe this is an error on XXXX XXXX not submitting the claim properly. XXXX XXXX would owe the claim but since I don't have anything to submit, I can't even submitted it to them. My guess is that there maybe a SOL on submission as well. I have been trying since XXXX of this year to get the billing and records. The collection company has not provided them. XXXX XXXX says I need to contact the Collection company Progressive Management ( which I have done multiple times ). XXXX XXXX refuses to provide me proof of the bill and records so that I can submit the claim they should have submitted to XXXX XXXX. Progressive Management says the claim is to old so they won't submit it to XXXX XXXX. I am in this loop of nobody giving me the supporting documents and they have never even submitted the claim to XXXX XXXX my insurance.
Product: Debt collection

I wrote and called the company and advised them that this is fraud I also advised the credit companies
Product: Credit reporting or other personal consumer reports

I recently was notified by a creditor to verify that I applied for a car XX/XX/year> and I notified them that I am a victim of identity theft a few years ago and was involved in the Equifax XXXX  breach so they should cancel the application because I did not apply for any products or accounts. 
I noticed on my credit report that 2 fraudulent accounts were on my credit report and a few fraudulent inquires were reporting so I contacted XXXX XXXX XXXX  and XXXX XXXX of the fraudulent accounts they said that it was verified that I own the debt I have requested from both companies to provide me the application with my signature but was told I cant get any information on the alleged debt that I owe because some of the information doesnt match. 
Attached I will show how Equifax reporting the XXXX XXXX Credit Card as a Authorized User and XXXX has me as Primary Individual.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Dispute Department Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Regarding Inaccurate Credit Report Information To Whom It May Concern : I recently received a copy of my credit reports from Experian and I noticed multiple late payments inaccurately posted on my report. Specifically, the following accounts have been reported with errors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Your company is in clear violation of federal law. Under 15 USC 1681b - Permissible Purposes of Consumer Reports, THE LAW CLEARLY STATES : ( a ) In General : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : o ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I provide written instructions for this inaccurate information to be furnished on my credit report? 
Furthermore, under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a Consumer Credit Report, the law explicitly states : ( 2 ) Exclusions. - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : o ( A ) Subject to section 1681a ( d ) ( 3 ), any report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Based on the above laws, I am demanding the following actions : 1. Immediate deletion of the reported late payments for XXXX XXXX ( Acct # XXXX ) and any other inaccurate items on my credit report. 
XXXX. A thorough investigation into these inaccuracies and a written explanation of your findings. 
XXXX. A free updated copy of my credit report once the changes have been made. 
Additionally, these inaccuracies, such as a late payment being reported for XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) that I was never late for. To verify this, I visited the XXXX XXXX branch and was informed that the account and card could not be verified. I am requesting proof, including statements showing these payments were late. I demand these payments be removed to reflect on-time payments as they should or remove accounts totally. 
Failure to address this matter satisfactorily will leave me with no choice but to take legal action against Experian for the following : 1. Defamation of Character ( Per Se ) 2. Negligent Enablement of Identity Fraud 3. Violations of the Fair Debt Collections Practices Act ( 15 USC 1692g ) 4. Willful Noncompliance with the Fair Credit Reporting Act ( 15 USC 1681 ) As outlined in 15 U.S.C. 1681n, I will also be seeking {$1000.00} per violation for willful noncompliance. 
To support my dispute, I have enclosed the following documents : A copy of my credit report with errors highlighted. 
I expect this matter to be resolved promptly, as required by law, within 30 days of receipt of this letter. Please notify me in writing once the inaccuracies have been corrected. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting

This account has been removed from my report between XXXX but was reported in XXXX of 2016 by the creditor. My complaint towards Transunion and XXXX XXXX is that they have reported an account that was removed completely from my credit report. My understanding is that once something is removed, which the team at XXXX XXXX XXXX has accomplished, it can not be reported again. Perhaps my understanding of the rules that govern these affairs is too literal, but I do not feel that their reporting is accurate or allowable as they report the account as newly charged off monthly with continued late payments long after the vehicle was sold at auction and the account was charged off.
Product: Debt collection

I was XXXX  because of a roommate for legal reasons and lease was broken because of it. Last months rent was paid and I was never contacted about any other collections.
Product: Debt collection

My bank account was served with a levy from the debt collector Midland funding from a judgment that was issued in XXXX of XXXX they went back to court and submitted this writ dated XX/XX/XXXX of this year I submitted a motion I did not get a chance to file the questions to be answered because I was never served with this I would have definitely called and got it. 
This company didn't do the right stuff they supposedly sent it to me wrong address I've not been there for over 2 years they submitted this to the wrong bank because the bank is no longer in existence documents are not correct Bank should have never taken them. 
I received a motion from the judge that I can't reach out to the from the judge that I can't reach out to the from the judge that I can't reach out to the company from the judge that I can't reach out to the company to from the judge that I can't reach out to the company to work from the judge that I can't reach out to the company to work out a from the judge that I can't reach out to the company to work out a from the judge that I can't reach out to the company to work out a payment arrangement and the company refuses to do that if the original judgment was issued in XXXX and I'm just now getting this in XXXX My question is what are the rules and laws of them notifying me within the four years of the original judgment it's not on my credit report it's nowhere out there as a public notification to know that it's out there that I need to get it taken care of I told the lady don't you think people 's lives change him 4 years.

They were rude they refused to get me a manager I just wanted someone to work with me and reverse this I offered to pay {$500.00} at the release of my money and set up the rest on a payment arrangement monthly and they didn't want to do that they stated it's too late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 Balance : {$66.00} ; Medical XXXX Balance : {$73.00}.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

To Whom It May Concern, I am writing this complaint on XXXX XXXX XXXX the Vice president of Cornerstone home mortgage and Consumer Financial Agency because he is n't professional, and is n't pleasant with his clients. I started working with XXXX XXXX in XXXX 2016, when he told me he can help me purchase a house and promise me that I will be in my new house by XXXX 2016. XXXX XXXX inform me that I had a foreclosure on my credit and he have a credit repair person who can help me clear it off me credit, so I wrote a check per his request to Consumer Financial Agency, his business. He assigned XXXX XXXX XXXX me as my realtor then without me knowing XXXX XXXX XXXX was assign to be my realtor. XXXX XXXX work so hard in helping me to find the perfect home for me and my XXXX kids and a grandbaby on the way. I placed a bid on one of the home that XXXX XXXX showed me. XXXX XXXX asked for the approval letter at that time but he never act on it. I was schedule to look at a house on XXXX XXXX, 2016 as I pull up behind XXXX XXXX I received a called from XXXX XXXX. I was on my car XXXX when XXXX XXXX called me, XXXX XXXX was able to hear the conversation. He asked me if XXXX XXXX had me sign a broker-buyer agreement. I asked why and why was n't it mentioned before. XXXX XXXX told me not to sign the agreement because he could n't assign me another realtor if I do and I have to work with her for six month if I sign the agreement. Then he started bad mouthing XXXX XXXX saying that she did n't have no Credentials to service me and will not give his processor the access that she use, at this point I became frustrated, upset and disappointed with XXXX XXXX, I found that was very unprofessional of him. I never answer that question because I was confused on why he was asking that question at that particular time because he recommended XXXX XXXX and I never had a problem with XXXX XXXX. As time went by I did n't hear anything from XXXX XXXX, I called him on numerous occasions and he would n't answer my calls or return my call. I was informed by XXXX XXXX that my paperwork was on hold. So I called the office phone on XXXX XXXX, 2016 and spoke to his processor and asked her about my paperwork. She said she would give me a call on XXXX XXXX, 2016 I said ok. Later that day about an hour in a half XXXX XXXX XXXX to call me in reference to my call earlier. I asked about my paperwork and where are we in the process. He informed me that at this time he no longer had a relationship with XXXX XXXX who is the credit repair and it 's not his fault that I did n't sign a contract with XXXX XXXX although he was the one who took my money. XXXX XXXX did n't give me a contract nor did he mention anything about a contract. Before we got off the phone XXXX XXXX told me I was no longer his client. That really made me mad, because I paid for a service to him that was n't completed and now I have to start all over with another lender. 

My issues : Unprofessionalism of XXXX XXXX, he took my money and did n't provide me with the service I paid for and now I feel like I was scam. 
Can you please help me resolve this issue and help me get my money back.
Product: Debt collection

Recieved a call from a Miss XXXX  on XX/XX/2019. She said she was from American Elite and Associates. I've not heard of this organization and asked to not call me again since you don't leave a message. I immediately received another call only with a different caller ID. Miss XXXX  left me a message, but my voicemail does not have my name or voice on the message greeting. This is a violation of FDCPA rules since she said it was regarding a legal matter and to have my legal representation return her call. She did not know the recipient of that phone number was me or could only be heard by me. I called her back and asked for her company name and address. She didn't give me anything but said she could provide a PO box . She then asked who I was, and I responded with again asking for the company name and address. She then hung up on me.
Product: Consumer Loan

My wife and I submitted a claim about our billing statement with Synchrony Bank ( formerly known as XXXX ). XXXX She was awarded a " No Interest '' promotion until balance is paid in full. Can you please tell me if my account will be awarded it as well. My account # XXXX
Product: Credit reporting

This {$100.00} XXXX bill, I have no idea where it came from, I dont see my name on it anywhere, it is really effecting, my credit, I need it removed. Please contact me XXXX XXXX XXXX - I am trying my best to clear up my credit. I will Pay the {$100.00} if I have to, but this needs to be resolved immediately
Product: Money transfer, virtual currency, or money service

XX/XX/2020 Western Union money transfer. 
XXXX was purchased, Western Union did not include last name on purchased amount from sender, receiver could not pick up money transfer. Approximately 15 times contact with WU has been made. XXXX XXXX grocery chain that offers WU was asked to make copies of ID of sender and receiver which was completely taken and delivered to WU. WU stated they would refund purchased amount, WU stated sender could pick up purchased amount with every time it was not done. Expedited action was to be taken again, nothing. Now they state ID is invalid, which is not true, ID was photographed and sent to WU. 24 hours ago again was promised refund, again not able to pick up. Today WU stated case is closed. This is a wire transfer company that refuses to refund our money. We have done all requirements to WU to acquire our money back. They are stealing our money.
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 reporting, credit repair services, or other personal consumer reports

I Have provided Evidence to XXXX, Transunion, and XXXX of my identity being compromised. I have pointed out several reporting errors on my credit report and the 3 Bureaus has consistently ignored my consumer rights. I feel the credit bureaus has lost reporting integrity and needs to Reprimanded for not upholding the Credit laws in place for consumers. Inaccurate reporting is against the FCRA laws, in which they are not following.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. Discover Financial Ser has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.I told XXXX, XXXX, and Equifax to reinvestigate 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.