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

I am a victim of identity theft according to the IRS I put a alert out to all three credit bureaus yeah and XXXX is the only one to have fixed most of my account except one collections account its not in there but XXXX and XXXX XXXX still have credit collections agency is that are not mine even though I told him I was a victim of I dont like that and I was part of the XXXX breach which Ive been informed from the XXXX breach settlement these are the collections accounts that have been already taken off XXXX but still show n XXXX and XXXX XXXX That I dont recognize - 1 ) Date Reported : XX/XX/XXXX Collection Agency CONSUMER ADJUSTMENT COMPANY Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$160.00} Amount {$160.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX CONSUMER ADJUSTMENT COMPANY XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ( XXXX ) XXXX XXXX ) Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$600.00} Amount {$600.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXXLast Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX ) Date Reported : XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX  XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$720.00} Amount {$720.00} Status DateXX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # # # # # XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments ACCOUNT PREVIOUSLY IN DISPUTE NOW RESOLVED BY DATA FURNISHER Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the TransUnion, XXXX and XXXX after I purchased a credit report with XXXX XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an account on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that this XXXX XXXX XXXX  Late payment XX/XX/XXXX to XXXX XXXX, 30 days late will be removed in the payment history. 
XXXX XXXX XXXX XXXX Balance : {$24000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Thursday XX/XX/2019 I attempted to contact 'XXXX ' to temporarily lift a freeze on my credit report, unable to access my online account ( that I created 2 years ago because I was a victim of their data breach ) I had to speak to a person on the phone and have them do the unlock for 24 hours. They asked me for several items of information to " verify I was the account owner. '' The oil company trying to obtain my credit report told me it was never unlocked and could not access my credit report. Friday XX/XX/XXXX, I again could not access my account online, and had to speak to another 'XXXX ' employee ( note : both times the customer svc. person had a heavy, hard to understand accent ) who again asked me the same items of personal information to verify my account ownership. They said it will be unlocked for 24 hours and again, the oil company could not view my credit report. So, the oil company suggested I try 'Transunion ', I attempted to go onto my account that I set up 2 years ago, could not log on with them, so I called their customer service line, began speaking with a very heavy foreign accented person, who was plainly reading a script like a robot, and wanted my personal info. I became suspicious and ended the call. I then tried to access my 3rd credit reporting agency account, 'XXXX ',  not surprised, could not log in. 
*I locked these 3 credit reports 2 years ago, I kept very accurate notes of my user names and pin # 's, so I know my records are correct. 
* I had to allow a company to view a credit report 4 months ago, and it worked fine, no hiccups. 
* * My concerns are : these 3 credit reporting agencies XXXX, XXXX, Transunion have again suffered a data breach and I gave my personal info to a stranger who's going to use it for identity theft. Why are all 3 agencies unreachable through online log in at the same time??
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX XXXX XXXX reporting late payments and delinquents 30 to 90 days late. XXXX some false statements on reporting late and no available credit i have bank statements and checkbook statements are available a few payments maybe 2 days late because of mailmen postal delivery.
Product: Credit card or prepaid card

I mailed a payment to BBVA Compass in the amount of {$7000.00} to pay off the bulk on my credit card balance on XX/XX/XXXX. My payment was deliver to the company lock box on XX/XX/XXXX. On XX/XX/XXXX ; I made my 1st call to the company inquiring about the check not posting to my account. I was told that I could not trace an un-applied payment until after the due date had past. I asked about late fees and was advised that the company would waive late fees once the payment was applied. As I monitored the account daily ( multiple time ) I was concerned that the check had not posted to the account although it was delivered on the XXXX. I began to call daily and it was not until XX/XX/XXXX I was finally issued a ticket number ( XXXX ) to begin researching my missing payment. I called on XX/XX/XXXX and was told that it would take 4 to 5 business days to get resolution and not to worry about late fees as it could take up to 10 business days for a check to post to the account. On XX/XX/XXXX, I had a late fee post to the account and I called to have the fee waived, inquire about the payment research and made an online payment to ensure there would be no negative impact to my credit. The payment was not reflected on my account until XX/XX/XXXX. I called BBVA Compass on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX regarding this issue and could not get beyond the incompetence of the Customer Service team. I repeatedly asked to speak to someone that could help and got nothing, I verified and re-verified information that agent entered the system wrong and to this date have not received the call back I was promised to resolve my issue ( I provided my cell phone and the number for contact ). 

On XX/XX/XXXX the check that I had been asking about arrived in the mail at my home. By this time, I had already asked the issuing company to cancel the previous check and resend another check so that I could pay the bill. That check will be taken directly to the bank for payment today, XX/XX/XXXX. 

Due to the inability of BBVA Compass to effectively provide customer service, process payments and provide customer assistance, I have been charged additional interest, received a late fee, and negative information ( late payments and over the limit ) has been reported to the credit bureaus. I want BBVA Compass to make me whole with these fees and interest and correct the reporting to my credit report. Had BBVA Compass done their job, I would not have negative items on my report and there would not have been an interest charge of {$110.00} on my account. I can not get any assistance from BBVA Compass and therefore am asking for your help.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Trans Union and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, Trans Union and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Trans Union, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states 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. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' These accounts are adverse items they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Trans Union, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services, with the respect to the accounts listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold a house in early XXXX and I am unable to get a quote for an auto loan that reflects the fact that : 1. I no longer have a $ XXXX mortgage. 
2. I paid off all of my credit card debt with the proceeds of the sale I understand why there is a delay in processing this information. However, when I have tried to approach each of the 3 agencies regarding when my score would reflect these changes it is impossible to get an answer. 

Their entire reason for being seems to be to steer me into new credit card loans. I see this as criminally counter to their mission of credit transparency and consumer services. How can one part of a site advise you to limit revolving debt and available credit and another part sell you new high interest cards? 

I feel like I've earned a higher score and the interest savings that entails so it's extremely frustrating to be saddled with an unfairly low rating with the added insult of being unable to get an answer to the simple question of when my rating will go up.
Product: Credit reporting or other personal consumer reports

I have sent numerous request to Experian to remove XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  account record from my Credit Report because it has caused me financial harm. 

I closed this account because Bank XXXX XXXX has refused to comply with 15 USC 1666B ,15 U.S. Code 1605, and 15 USC 1605 ( a ) to name a few. This is alarming since you have already taken action against XXXX XXXX XXXX XXXXor Illegally Charging Junk Fees, Withholding Credit Card Rewards, and Opening Fake Accounts. 

My account with XXXX XXXX XXXX was never late. This was clearly a billing error, and a double dipping scheme. This act is shameful it has caused severe hardship to my reputation, my character, my mode of living and to my family. That is why I closed the account and requested for the record to be deleted. 

XXXX and XXXX has removed it from my credit report already but XXXX XXXX XXXX and Experian seems to have difficulty complying with FCRA Regulations and Consumer Laws. 

Thank you very much for your time and assistance regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit reporting agencies refuse to properly report accurate credit history and they are very aware of it FICO 8 CODES FOR EQUATION OF SCORE ARE MISSING GOING BACK OVER 15 YEARS OF CREDIT HISTORY NOW IT SHOWS INSUFFICIENT CREDIT HISTORY. 

ON ALL THREE BUREAUS AND TRANSUNION HAS NOT RESPONDED WITH UPDATES EITHER
Product: Credit card or prepaid card

Called AMEX credit card to ask about the promotional offer I had availed to upgrade my card on when does the 1 year expire so that I can downgrade and not pay the annual fee but still can keep the statement credit I received to upgrade it as it was valid till 1 year. I called the company on XX/XX/XXXX and was told to downgrade after XX/XX/XXXX so yeh statement credit does not get reversed. I did exactly that and cancelled in XXXX. Once I downgraded the statement credit reversed back and was charged to me. I called and filed the dispute and was told that that my XXXX year has not ended yet. I told them that I was provided the false information and they told me it was XXXX XXXX and I told them how would I assume its next year as the year was not mentioned by the rep. 
Anyways they are trying to brush this away and see if no help as they just want to charge the fees. 
Please let me know if you need more information. 

Thanks
Product: Debt collection

I got an Auto Loan from XXXX XXXX for a XXXX XXXX XXXX XXXX ( XXXX XXXX ). the car blue book value is between $ XXXX {$10000.00}... somehow I was financed and paying in total {$27000.00} I'm sure that's over the legal limit of interest in Michigan XXXX I spoke with them to tell them I did not want the car anymore. they failed to respond. eventually they came and repossessed the vehicle. they sold the vehicle at auction and are telling me I owe them {$16000.00} and are using a debt collector service by the name of Roosen, Varchetti & Oliver PLLC to collect this debt. I do not have this vehicle anymore as they have taken it back and now they are forcing me to pay WELL over the actual value of the car and are sending debt collectors to harass me. what legal ways can I sue or do anything about this? cause I'm not paying this so called debt and I will not allow this. these company 's should in no legal right be able to do this to people and the fact there is no government ordinance to watch over this stuff is beyond unsettling.
Product: Mortgage

This is to notify you of all the issues we have faced since Shellpoint started servicing our HELOC, and to address our extremely urgent request to remove the delinquency status on our account so that we can withdraw funds. 

Timeline of events : XX/XX/XXXX : We were notified that our HELOC account was put on " delinquency '' status. When inquired further, Shellpoint agent informed us that we have not been making payments, which was not accurate. The Shellpoint agent checked their system even further and found out that we have been making payments, however, the payments have not been posted to the Shellpoint system ( portal ). He in fact confirmed that this was not our fault and that it was a " Shellpoint '' system issue. He was able to apply the payments and confirmed that the issue was rectified. Since then, we continued to make our payments to Shellpoint on a regular basis and withdraw funds as needed. 

XX/XX/XXXX : Our check for {$6300.00} to XXXX was returned due to a Bank Issue. When we called Shellpoint to inquire what was going on, we were told that the correction was in process. The agent confirmed that payments have been applied to our Shellpoint account. 

XX/XX/XXXX : Two more disbursement checks ( totaling ~ $ XXXX ) were returned due to the same reason above. We made a 3rd call to Shellpoint with no help from the agent and had to escalate to a manger for help. The manager told us that the hold on our HELOC account is permanent and that we need to send a dispute request through the Shellpoint portal ( online ) for them to investigate and correct the issue. He also mentioned that it will take at least 5 days to receive the request and for them to start investigating. We submitted our request immediately after the call. 

XX/XX/XXXX : We called to check the status of the request and were told that they received our request, but it could now take up to 30 days. The agent also told us that we will not be notified if/when the issue is resolved and that we must call daily, if we wanted to, to know the status. 

XX/XX/XXXX : On our call today to inquire about the status of our request and account, the agent told us that they have not received any request from us regarding our account. When we explained what we did and was told in the past ( Submit request via the Shellpoint online portal ), he said that we need to submit our request in writing to the address above, hence this letter to you. 

Our HELOC account should never have been in a delinquent status in the first place. If the account was put in a delinquent status due to a Shellpoint system issue, it should have been automatically removed when the payments were correctly posted to the account. We shouldnt have had to make a separate request to remove the delinquency status as its directly associated with the payment posting error from Shellpoint. Due to this error from Shellpoint, we are now in a difficult position where our payment to the vendor has been delayed and they might be sending our account to collections. We also have an extremely urgent need to withdraw some funds from our HELOC and we are not able to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint regarding Trans Union and XXXX  : On approximately XX/XX/XXXX I received a letter dated XX/XX/XXXX from XXXX XXXX / XXXX  XXXX XXXX  stating that as of XX/XX/XXXX my mortgage loan will be transferred and serviced by XXXX XXXX  XXXX. My loan was sold to XXXX XXXX  XXXX and was reported on XX/XX/XXXX to the above credit bureaus as, " Account closed and paid. Account transferred. Remark added. " I constantly keep track of both my credit scores and credit reports and noticed that on XX/XX/XXXX my scores had dropped by 16 and 15 points respectively. I first contacted XXXX XXXX and inquired about what the " remarks '' were as indicated on my report. They told me they did not know and to contact the two credit reporting co. 's. I contacted them by phone on XX/XX/XXXX. I spoke to 2 individuals at Trans Union and 1 individual at XXXX. XXXX  did not have an answer and told me to contact my Mortgage Co..  Trans Union told me it was because of, " the length of time of the account ''. I have been paying this particular mortgage for 2 years and 8 months and as indicated on both co. 's. credit reports my credit is perfect with them as is all my other creditors. My credit scores are consistently in the 700 - 800 range for many years and i work hard to maintain that. I went online to XXXX  and Trans Union website and filed a dispute but the problem I have with both is that there system will not let me be specific in my complaint and will not allow me to type a complete description of the issue. 
My credit scores were lowered because of no fault of my own. In fact in theory my XXXX score should have went up. An account that was in excellent standing and was closed and paid in full by my creditor as was their choice and is not at this time being shown that it has been replaced with a new lender on a new account is a plus in credit and credit score calculations.