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

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

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX Acct # - 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 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 an 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the account, or inaccurate information, from my file immediately XXXX  XXXX XXXX
Product: Student loan

I don't understand why I can not decided how my money is disbursed among my loans I pay XXXX a month and the loan provider won't let me split it in a manner that is beneficial to me. The loan provider is splitting my money in a way that creates the highest interest for them instead of actually paying off my loan. I don't understand why they wont let me pay the loans off the way it would help me by paying off the interests that collects each month. I have to make additional payments to cover the interests because my loan provider refused to distribute my payments in way to cover the interests that collects each month and the principle. The loan provider is making it harder to pay off the original principle, when asked why I could not say XXXX goes to this loan and the other XXXX for the other loan the customer service representative told me I could not do it because I would pay off the loan faster!!!!! This makes no sense to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a dispute letter, and security freeze request, certified mail tracking # XXXX, that shows delivered on XX/XX/2022. I can not recall receiving dispute results or a confirmation letter saying my dispute letter was received and they are working on my dispute ; the security freeze has been placed.
Product: Checking or savings account

When Simple merged with BBVA on XX/XX/XXXX, I tried to set up my account multiple times. In the meantime, the Simple app was completely non functional due to the switch. So I have no way to see my money or anything. I went to register with BBVA. It originally could not find my account and to call. So then I went to the website and I saw they were having issues. Ok sure, it is the first day. I can be patient, i'll try again tomorrow. 

Tomorrow comes and I get farther through the process until I get an error saying to call as well nothing super specific. So now the third day I try and it says an account has been created with one of my accounts and to call. There have been multiple reports of this besides mine but you wait ~20 minutes on hold, call hangs up. You call the SPECIFIC number for these issues, they transfer you to a new waiting line. BBVA has openly acknowledged their failures with no solutions in place for consumers to access their online banking and therefore be able to see how our finances are. I cant pay my bills. The even more messed up part is we have no bank literally at all that can help. We cant even check our balances through old school methods because they havent fully transferred our accounts. They are holding our money though with no way to access it. This is unacceptable.
Product: Debt collection

On or around XXXX I recieved a letter from frontline asset strategies , LLC attempting to collect an allleged debt they claim I owe XXXX in the amount of {$1200.00} when in fact XXXX owes me the credit balance of {$1200.00}. I am currently in arbitration with XXXX  with this account and I will attach the demand for arbitration form and Case number in the file attachment area below. Frontline asset also gave me until XX/XX/2023 to dispute the entire debt in which I did dispute and request validation by certified mail # XXXX and they received it on XX/XX/2023 at XXXX. Frontline asset strategies did not send proprer validation of the alleged debt nor did they stop collection efforts after receiving my written debt dispute and took adverse acton against me by furnishing the alleged debt/collections on my credit report. This is damaging my reputation and jeapordizing my financial relationships with other financial institutions. If this account/collection is not removed from my reports immediately I will consider either submitting a Joinder/Consolidaton Request Form for frontline asset strategies to join the ongoing arbitration case with XXXX on this account or file a separate arbitraton case against frontline asset stategies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have looked over my credit report several times and I have no late payments or derogatory accounts. However Equifax continues to report delinquent and derogatory information. I have tried numerous times to resolve this issue, with no avail. Also, I have been unfairly denied new credit because of this false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent several dispute letters to Transunion on XX/XX/2020 along with Proof of my identity, and Ihave not received a response yet to any of my disputes.

As far as I'm concerned the Fair Credit Reporting Act indicates on Section 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. 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 of such dispute, the agency shall reinvestigate free of charge 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. 

Please have Transunion delete these inaccurate inquiries off my report
Product: Debt collection

Originally several months ago got a threatening call from an aggressive person on a phone call threatening to garnish wages. They were trying to get the debt paid over the phone but I didn't comply and asked to speak to a manager who they patched me through to. I explained that I have no loans they tried to tell me that it was a tough time for everyone and people got desperate and took out loans over the phone. I told them I didn't have any debt and I monitor my credit reports regularly and this has not shown up at all so not sure what they are talking about. I told them that I will fight this issue in court and they would not get a XXXX  from me. They provided me with my full social security number as proof which knowing about the breach just thought it was a scam. 
I recently got a letter in the mail dated XX/XX/XXXX from Debt Recovery Solutions , LLC, XXXX XXXX XXXX, XXXX, NY XXXX saying the debt was from XXXX XXXX with an account number the debt was purchased by XXXX XXXX XXXX which is now the creditor to whom the debt is owed. As of XX/XX/XXXXXXXX  in the amount of {$410.00}. I have up to XX/XX/XXXXXXXX  to dispute by mail or call or the debt becomes assumed as correct. There is an additional reference number of XXXX with a pin number. 
I have called them. told them that I don't have any debt as I'm am financial stable and would not have needed a loan so didn't now what they are talking about. They told me they were sending me proof of debt documentation to my email account that they had of which didn't match any email I owned. They wanted me to provide them with a correct email and I refused so they are mailing me the information they have on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three major credit bureaus XXXX, Transunion and XXXX have illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make XXXX of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is for the Federal Trade Commission and Consumer Financial Protection Bureau to demand on my behalf that all 3 credit bureaus remove all of this Consumers social security numbers, date of births, financial accounts or credit/debit card numbers, driver license numbers, detailed health or medical history or similar sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. Consumer would also like to thank the Federal Trade Commission and Consumer Financial Protection Bureau for protecting her/his Personal, Family, and Household.
Product: Vehicle loan or lease

The vehicle was involved in a total loss. The insurance company sent a check to Bridgecrest and it has been over a month and not yet applied to the account. Whenever I called they keep telling me they are checking on it, but the insurance company XXXX XXXX XXXX said it was cashed weeks ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX these accounts have 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.

Account Name. Amount 1. XXXX XXXX XXXX {$18000.00} 2. XXXX XXXX {$1000.00} 3. XXXX XXXX XXXX XXXX. {$990.00} 4. XXXX XXXX XXXX. {$610.00} 5. XXXX XXXX {$480.00} 6. XXXX {$410.00}
Product: Prepaid card

I was given an {$1000.00} American Express prepaid card ( expiration date : XX/XX/XXXX ) as a gift prior to a XXXX  XXXX some time ago. I never used the card and placed it in a drawer and saved it for a large purchase later. I recently tried to use the card and it was declined. I called American Express gift card customer care on XX/XX/XXXX and they informed me that the entire balance was sent to the California State Controller 's Office Unclaimed Property Division as unclaimed property, and that I had to contact them to get the funds back. I called the state 's unclaimed property division on the same date, and they have no record of the card 's funds being sent. They could not help me and told me to call American Express back and get any info I could on the transaction info ( dates, records, any paperwork, etc ) and American Express basically told me they couldn't help me either. The American Express customer care representative I spoke to was extremely rude, dismissive and unhelpful with assisting in any obtaining info on the decision to send the funds to the state as unclaimed property and would not issue me another card or check for the lost funds. So, in short I am stuck between two entities that claim they supposedly can't help me, nor issue me a refund for the lost funds from a card that is not expired and was sent to the state as unclaimed property completely without my consent.
Product: Debt collection

I received a civil summons that I was being sued by cks prime investments llc c/o XXXX XXXX XXXX. I have NEVER received a letter or voice message from either regarding this debt to settle. Among research, cks prime investments is notorious for this. They have also broken the FDCPA by never contacting me and notifying me of legal action until the summons was served. I have only been in contact with the original debtor XXXX XXXX XXXX regarding this debt.
Product: Payday loan, title loan, personal loan, or advance loan

They are repeatedly harassing my references and myself. They have sent my references and work hundreds of messages and calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX XXXX : I am a private personal consumer submitting a complaint concerning me being a victim of identity theft. XXXX, Experian, and XXXX, Shared my personal non public information without my full disclosure or written consent. I do have the personal right to privacy that has been very abused and that is a violation under the Gramm Leach Bliley act of 1999. These violations have compromise my non public information and resulted in my identity theft. I demand all accounts be removed in the next 5 business days as stated under law. US DEPT OF ED/XXXX # XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I have never given consent or permission to report or share any information about me. Under the Gramm-Leach-Biley Act ( 15 USC 6801-6802 ), I have not signed any consent form allowing my information to be disclosed to non-affiliated third parties, electronically or in writing. There is no legal proof supporting the accuracy of these marks, and they have not been properly verified. 
There is no legally admissible evidence to verify the accuracy of what Portfolio Recovery Associates : Opened : XX/XX/year> is reporting {$1100.00} on my credit files, and this agency have not validated pursuant to the requirements of the FCRA. I am complaining about the impermissible access of my credit report by Portfolio Recovery Associates, in direct violation of the FCRA. I have discovered that Portfolio Recovery Associates fraudulent account. I need proof of a wet signature of an application w/ Portfolio Recovery Associates and proof this is a credit transaction ; the agency is in violation of federal laws, and I will go legal if this is not removed. My consumer rights are being violated. Portfolio Recovery Associates accessed my credit report without my authorization or a permissible purpose as outlined under 15 U.S.C. 1681b, which regulates the legal purposes for which consumer reports can be obtained. I have been in contact with agencies via writing and have evidence on hand, expressing this does not belong to me and I am being ignored.
Product: Credit card or prepaid card

They account is XXXX XXXX XXXX and should be deleted from my credit history
Product: Money transfer, virtual currency, or money service

XX/XX/year>, I deposited {$870.00} into my Robinhood trading account. This same day I attempted to withdraw that money. This action was denied several times. In consequence my account was then restricted for fraud / investigation. This prohibiting me from trading with my funds or withdrawing it back unto my debit card. 

XX/XX/XXXX, Robinhood requested photo copies of documents to verify the legitimacy of my account and identity. I sent photos of myself, bank statements, and my government ID. I sent everything they requested, with the exception of two bank statements. This is because one of those accounts has been closed for months, while the other account was recently opened. Therefore I do not have access to any bank statements for those accounts. I explained this in a message I sent to customer support while requesting a phone call. 

XX/XX/XXXX, I finally received a call from Robinhood Customer Support. I attempted to record the call for my record keeping. The employee became argumentative with me, stating if I continued to record the conversation he would be forced to hang up. Considering Id already been waiting 24 hours for a call, I stopped recording in hopes to resolve my issues with my account. The employee asked me to verify the name, DOB, email, and last four of SSN, associated with my account. After giving him this information, he said that it was incorrect ( which is untrue ). And that I would receive an emailed link and have to submit a photo of my government ID ( which I already have ). He instantly ended the call, with no warning or regard as to whether I needed more assistance. I once again submitted photos of myself and my ID. Then I replied to the email telling customer support I had submitted the documents and requested the process be moved along. 

XX/XX/XXXX, my account is still restricted. My funds are still held on the account. I have yet to receive another phone call or email from Robinhood about the status of my account. Since the restriction of my account, there has been a message displayed, saying my submitted documents were under review. And that Robinhood would conclude their investigation by XX/XX/XXXX. Now that date has changed to XX/XX/XXXX. I presume this will be a never ending waiting game. After doing some research Ive learned this is an ongoing problem with this company. And often times they refuse to return people their money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX, Account Number # XXXX Has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Product: Debt collection

This collection from LVNV popped up on my credit report. I have done no business with LVNV. They have yet to send any information as to why theyre sending it to me and where its from
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XX/XX/2019 XXXX XXXX XX/XX/2019 Citizens one XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 I dont recognize these inquiries and did not authorize none of these companies to run my credit.
Product: Mortgage

Loan number is XXXX. I sold the home and it closed on XX/XX/XXXX. Payoff funding occurred on XX/XX/XXXX. As of that date there was an escrow account balance of {$1500.00} owed to me, the seller. Mr Cooper confirms this, and I have the account statement showing this escrow balance. I began contacting Mr Cooper shortly after that about the refund. I have contacted them at least 14 times by phone, each time confirming that the escrow refund is due to me, but with multiple conflicting stories of why I haven't received it. I have a detailed phone log, and all documents, to corroborate my complaint. I again contacted Mr Cooper today, XX/XX/XXXX, and am still attempting to get the refund. I still have not received my escrow refund, over eight months post closing.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX and XXXX for XXXX XXXX XXXX and XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX for XXXX XXXX XXXX  XXXX to be removed. 

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

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

XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports