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

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va THESE ARE NOT MY ADDRESSES AND I HAVE NO KNOWLEDGE OF AND THEY HAVE VIOLATED my RIGHTS. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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. 

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$740.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit card

I have made this complaint about Comenity Bank probably XXXX times now. 
They have an unfair and unethical practice of reducing credit limits when they notice that you are paying down your balance. Example your balance is XXXX, you pay it down to XXXX, they lower your limit to make it look like you are maxed out. You pay it down to {$200.00}, they will lower it to {$100.00}. They claim its after a review of your account, but its false. Even if your score has not changed, they do this to purposely harm your credit. NO other credit card company does this to me. 
They claimed it was because my score lowered but theyve been doing this for years & I received a notification my credit score actually went up.

Please pull my previous complaint for the screenshots but this is the newest one I got. 
I did a little test run. I paid off my credit card with them. The limit was {$400.00}. I paid it off and today ( XX/XX/XXXX ) I received a letter saying they lowered it to {$100.00} after a review of my account. 
Meanwhile I received a credit alert saying my score increased so why did they lower it? Theyre purposely trying to ruin customers credits. This bank is so unethical and I think this practice itself needs to be stopped because I guarantee I am not the only customer they are harming.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. 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 ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1900.00}, and XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}.
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  XXXX Account Number : XXXX Account Name : XXXX XXXXL Account Number : XXXX Account Name : XXXX 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: Debt collection

In XX/XX/XXXX-XX/XX/XXXX I was in the process of trying to settle an old mortgage with Veripro and, unfortunately we could not reach an agreement. Approximately 10 days ago I contacted Veripro to try and settle the account and after speaking with the representative, we were again unable to reach a settlement amount. During the conversation, the rep mentioned that the reason we had not heard from them was that there was a " Cease and Decist '' letter on file. The rep then asked if I wanted to remove the letter so they could contact me regarding any specials or promotions and I declined. She attempted to persuade me to remove the letter a few more times and I said no. Then 2 days ago, my wife received a voice mail with an aggressive message from the rep stating we needed to call right away! I can not believe they would blatantly disregard our Cease and Decist letter and also our request via phone to not be contacted. This is NOT ok.
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 right to privacy and confidentiality under 15 USC 1681. 

AXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX 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 ( 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 is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I had a fraudulent charge of {$320.00} reported on my account by Healthcare Receivables Group and I called and wrote to both them and XXXX. I never received anything back from either company. I then issued a dispute and transunion replied it was investigated and was a valid charge. I then wrote and called again and the billing company finally found their error and notified transition that it was in fact a billing error. On XX/XX/XXXX my credit account was changed to say the {$320.00} was " paid off '' implying that I paid the fraudulent charge instead of just removing it from my credit report. I then issued another dispute with them but it still say 's " paid off '' and it would stay on my credit report until 2026. That would not be fair as I never owed that money. Thank you for handling this for me as I have spent many frustrating days on the phone and writing letters.
Product: Debt collection

Called 16 times in 4 day period after told not to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX XXXXXXXX account and immediately got hit with outrages fees and tried to close it. MoneyLion refused to close it ( I have emails where they refused ) and now its a negative mark on my credit report that they wont remove. They never loaned me any money! They just took money from me and kept it. I shouldnt show a loan that I didnt receive on my credit report! Thats not fair!
Product: Debt collection

THE COMPANY, MONTEREY COLLECTIONS, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) THE TERM " XXXX '' MEANS THE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AND XXXX ARE ASSUMED TO BE CREDIT TO BE CREDIT BUREAUS AND THEIR IS ONLY ONE BUREAU AND THAT IS ONLY ONE BUREAU AND THAT IS THE XXXX XXXX XXXX XXXX, XXXX, XXXX, AND XXXX ARE ASSUMED TO BE CREDIT BUREAUS AND THEIR IS ONLY ON ONE BUREAU AND THAT IS THE CONSUMER FINANCIAL PROTECTION BUREAU. ON XX/XX/1933, CONGRESS ENACTED HJR-192 TO SUSPEND THE GOLD STANDARD AND TO ABROGATE THE GOLD CLAUSE. THIS RESOLUTION DECLARED THAT " WHEREAS THE DEALING IN GOLD AFFECT THE PUBLIC INTEREST AND ARE THEREFORE SUBJECT TO PROVISIONS OF OBLIGATIONS WHICH PURPORT TO GIVE THE OBLIGEE A RIGHT TO REQUIRE PAYMENT IN CONGRESS IN THE PAYMENT OF DEBTS. THIS RESOLUTION DECLARED THAT ANY OBLIGATION REQUIRING PAYMENT IN GOLD OR A PARTICULAR KIND OF COIN OR CURRENCY OR IN AN AMOUNT IN MONEY POLICY, AND. EVERY OBLIGATION HERETOFORE OR HEREAFTER INCURRED, SHALL BE DISCHARGED UPON PAYMENT, DOLLAR FOR DOLLAR, IN ANY COIN OR CURRENCY WHICH AT THE TIME OF PAYMENT IS LEGAL TENDER FOR PUBLIC AND PRIVATE DEBTS. 15 USC 1681 ( 3 ) ( E ) ( XXXX ) THE TERM : INVESTIGATIVE CONSUMER REPORT MEANS A CONSUMER REPORT OR PORTION THEREOF IN WHICH INFORMATION ON A CONSUMERS CHARACTER, GENERAL REPUTATION, PERSONAL CHARACTERISTICS OR MOD OF LIVING IS OBTAINED THROUGH PERSONAL INTERVIEWS WITH NEIGHBORS, FRIENDS, OR ASSOCIATES OF THE CONSUMER REPORTED ON OR WITH OTHERS WITH WHOM HE IS ACQUAINTED OR WHO MAY HAVE KNOWLEDGE CONCERNING ANY SUCH ITEMS OF INFORMATION. MONTEREY COLLECTIONS HAS ALSO INCLUDED IT'S SYMBOL WHILE ATTEMPTING TO COLLECT A DEBT WHICH IS A VIOLATION OF 15 U.S. CODE SECTION 1692b ( 5 ). I DID NOT GIVE PRIOR CONSENT TO COMMUNICATE TO ME. THERE WAS NO PRIOR CONSENT FROM A COURT GIVING PERMISSION TO CONTACT ME, THUS THIS COMMUNICATION IS A VIOLATION OF 15 U.S. CODE 1692c ( a ) WITHOUT A COURT ORDER BROUGHT FORTH. MONTEREY COLLECTION REPORTED FALSE AND INACCURATE CREDIT INFORMATION VIOLATING 15 U.S. CODE SECTION 1692e ( 8 ). THERE IS NO PRIOR CONTRACT WHICH AUTHORIZES XXXX TO COLLECT A DEBT FROM ME AND THERE IS NO PART OF A CONTRACT THAT EXPRESSLY AUTHORIZED THE COLLECTION OF SUCH AN AMOUNT. THIS IS A VIOLATION OF 15 U.S. CODE SECTION 1692f ( 1 ). I HAVE REQUESTED THIS COMPANY TO PROVIDE DOCUMENTARY EVIDENCE THAT A LAWFUL AND LEGAL VALID CONTRACT EXIST BETWEEN XXXX AND I.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the Bureau several times trying to get this removed. Please remove delete immediately off my file. I have attached my ID and my Social Security card Also, a bill with my current address This is not a third-party. 

XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$11000.00} Updated on XX/XX/XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance - Updated on XXXX XXXX, XXXX XXXX XXXX  Total balance : - XXXX  Balance - Updated on XX/XX/XXXX XXXX Balance - Updated on XX/XX/XXXX XXXX Balance - Updated on XX/XX/XXXX XXXX XXXX XXXX Balance - Updated on XX/XX/XXXX XXXX These lenders have accessed your credit file : XXXX Inquiry date XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX Balance - Updated on XX/XX/XXXX XXXX  XXXX Balance - Updated on XXXX XXXX, XXXX XXXX XXXX XXXX - Updated on XX/XX/XXXX XXXX XXXX XXXX - Updated on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Issue Description : Clarify the discrepancy regarding the reported late payments after the account was paid in full. 
Date of Last Activity : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Date Reported : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Last Payment : -, XX/XX/XXXX, XX/XX/XXXX High Balance : {$5100.00}, {$5100.00}, {$600.00} Payment Status : Collection/Chargeoff, Unknown, Collection/Charge Credit Report Status : Derogatory, Paid, Derogatory XXXX : Discrepancy in reported late payments and inaccuracies XXXX and XXXX : No reported payment history.
Product: Debt collection

I would like to start by stating that I 've been an XXXX XXXX XXXX customer since they changed over from XXXX has been over 10 years. I 've never had any previous problems with our carrier until approximately around XXXX of XXXX I started having a lot of problems with drop calls and bad connection while inside our house, from there on we tried multiple times with customer service. They advise to try rebooting system, a micro cell, new sim card and they also stated they were going to repair one of their towers. 6 months later and continues problems it was an inconvenience, finally made a decision to change providers due to my wife had to leave the house just to talk to Doctors as she was XXXX and she had no service while being at home. Before I cancel my service I communicated through a chat conversation and no where 's did they mention it would go through a collection agency. I spoke with XXXX XXXX XXXX as I was still paying for XXXX cell phones that I purchased on credit and wanted to know if I was still able to continue payments for the XXXX phones since they could not provide the service I needed. The supervisor stated my balance was {$1000.00} and as long as I continued making payments there would be no problems. I had made XXXX payments. XXXX {$60.00}, XXXX {$20.00}, XXXX {$60.00} and XXXX {$60.00}. Which brought my balance down to {$1000.00} ( do n't understand how it only dropped {$68.00} ). Recently I received a letter from Credence Resource Management a bureau company stating I needed to pay balance in full or if not was going to affect my credit. If I wanted they would settle for {$700.00}. And if I pay within 3 months would not affect my credit. I let them know that we had an agreement with XXXX XXXX XXXX and I was going to continue making my {$60.00} payment as we had agreed and I was going to call them. On XXXX I contacted XXXX XXXX XXXX to find out why I was sent to a collection agency and after been on the phone for 1 hour and getting no answer I demanded to speak with a supervisor, I was put on hold for over 30 minutes in which they never came back to the phone ( had to disconnect ). My wife called with a different phone while I was on hold they answered her, none of the representatives were willing to help with our matter. I would like to continue making my payments, just do n't want to affect my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that the status of the following accounts on my credit reports has been brought to my attention. The accounts are reporting inaccurate information and are not mine. This is not in compliance with the FCRA. 

XXXX  XXXX - This account is not accurate as I never authorized this account. 
XXXX XXXX XXXX XXXX - This account is not accurate as I never authorized this account. 
XXXX XXXX XXXX XXXX - This account is not accurate as I never authorized this account.. 
XXXX XXXX - This account is not accurate as I never authorized this account
Product: Credit reporting or other personal consumer reports

Santander consumer is reporting late payments to the credit agency which is a violation of my consumer rights under 15 U.S.C. 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. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

XXXX XXXX XXXX XXXX LATE PAYMENTS Balance details 1 % paid off Balance {$48000.00} Balance updated XX/XX/year> Original balance {$48000.00} please assist in rectifying the situation
Product: Debt collection

My children received dental care at XXXXXXXX XXXX XXXX in XXXX, MI for years. Their father is responsible for the costs but the office refused to send bills to him. The office refused to send him statements or call him regarding any money owed despite my request to do so many times. Any time I called about bills they acted confused and did not even have his address on file despite giving it to them many times. I told the office many times to send my ex the bills and he never received them. He holds the insurance for our children. My child whom I do not share with XXXX XXXX are on XXXX as we are a low income household. The dental office also knew this. I also never received written notice that the bill was sent to collections. Instead, the secretary at that office threatened that if I did not pay it ( despite being a single mom of XXXX and their refusal to send XXXX XXXX the bills ) that they would take me to collections. She made this threat after I informed her that I was not responsible for these bills and to mail them to XXXX XXXX. Again, XXXX XXXX never received these bills so they could not be paid. Now my credit is ruined and I do not have a grand to pay off the debt.
Product: Vehicle loan or lease

I had an auto loan with Bank of America starting in XXXX, for a car I bought in New York. I paid it off several years ago ( around XXXX ). I never received a lien release or the title, but my car was always registered in New York and I never had a problem. I recently moved to California ( XX/XX/XXXX ) and on XX/XX/XXXX went to the California XXXX to try to get my car registered. However, the lien from Bank of America is still on the title, so the XXXX would not register my car until I obtained the lien release from the bank. It is currently XX/XX/XXXX, so I have been trying to get the lien release from Bank of America for approximately XXXX months. I have spent hours on the phone with them, and they have repeatedly said that it has been sent to my address in California and to just wait. Most recently, on XX/XX/XXXX, they said they actually sent it to an address in New York, and blamed me for this mistake, even though I had spoken with multiple people who checked each time that they were sending it to the correct California address. They refused to send it via overnight shipping to me, insisting it was not bank error. So they sent ANOTHER copy to my California address and said it would arrive in 10 days, and as of today ( XX/XX/XXXX ) it has not arrived. They did fax me a copy of the lien release, but the XXXX would not accept it because its not a wet signature copy. My car has only a temporary paper registration, and I can not get a residential parking permit in the city I live in XXXX XXXX XXXX ) because I still cant get license plates, because Bank of America wont send me the XXXX release. I am at my wits end, please help me! All I want is for Bank of America to send me an original wet signature of the lien release via overnight shipping to my address in XXXX XXXX. This is more than reasonable, as they keep telling me it will come and it never does. I need it done asap so I can get my car registered, and a parking permit.
Product: Student loan

I attended XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. 

My XXXX student loan to attend XXXX XXXX was serviced by Citibank from XXXX through XX/XX/XXXX. 

Am I eligible for a refund due to Citibank misleading me on minimum payment amounts? 

https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-citibank-student-loan-servicing-failures-harmed-borrowers/
Product: Credit card

Barclaycard closed my account and took the earned points I had on my account with no explanation as to why. The accumulated points totaled XXXX, with an approximate value of {$15000.00}. I received a letter stating that the account was closed " in accordance with the terms and conditions of the Card Member Agreement. '' The letter never states which term or agreement was violated. I have never been late on my monthly payments or missed any payments. I made several phone calls to discuss this with no success. Each time I was told to mail a letter. Attached is the letter I mailed to XXXX different addresses I was given by Barclaycard Customer Service.