23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Resurgent Capital Services I contacted them by phone told me that my account from XXXX XXXX  is past due and is being reported as a open account also when I contacted them a rep of there company said the account can be recalled and a law Suit will be filed against me damaged to My credit can continue till 10 years they also reported a date when they first taken the account not from when the account was first delinquent which as part of the laws of fdpca is a violation
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Accounts : XXXX XXXX, Account # : XXXX XXXX XXXX BANK XXXX Account # : XXXX XXXX XXXX  XXXX, Account # : XXXX 15 USC 1681 section 602 A. states I have a right to privacy.

15 USC 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not an account without my written instructions.

15 USC 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 7 years.

15 USC 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 ordered a copy of my report in XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the 3 bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts because I believe it was reporting in error. 

XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$50000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This company report that I have 3 different loan under this company but I actually has been only one loan one company 's already deleted form credit bureaus but the other is still pending. This companies has written off in all 3 loans with the IRS as different evictions on the same matter I had report to them this is incorrect or probably tax fraud in the end please locate the order of deficiency form IRS
Product: Vehicle loan or lease

On XXXX XXXX XXXX, Ally Bank reported me as late on my car loan, despite having an agreement in place. The agreement stated that my XXXX payment would be added to my loan, granting me an extension. Additionally, the agreement required me to make two partial payments, which I followed through on the agreed dates. 

However, after noticing a hard inquiry on my credit report on XXXX XXXX XXXX, I called Ally Bank for clarification. During the call, I was informed that " the extension is no longer valid. '' This was never communicated to me in advance, and I upheld my end of the agreement by making the required partial payments. 

This unexpected reporting has negatively impacted my credit, and I am seeking a resolution to have the late payment removed, as the extension was originally agreed upon. 

Now my extension is in my account but is locked from viewing.
Product: Credit card

I have no idea why my cashapp account got shut down so I asked the company and they couldnt tell me or refused to tell me why
Product: Credit reporting

XXXX has reported XXXX inquiries to the Experian credit report that do not belong to me, dated XXXX XXXX and XX/XX/2016. The report lists these as bank credit card requests. Experian has not allowed me to make an online dispute, remove these from the report and place a fraud alert on my account. I am understandably concerned. Someone else had made these credit requests.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a XXXX  of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, XXXX, TransUnion and XXXX. 
Removal of all addresses except : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX 15 USC 1681 section 604 " states rights to consumer privacy '' Reporting agency 's can not furnish an account WITHOUT my WRITTEN consent!!
Product: Credit card or prepaid card

I have tried to resolve this with PayPal/Synchrony bank on multiple occasions. They are not working with me. I purchased a plane ticket through XXXX XXXX during the pandemic and it ended up getting cancelled after getting rescheduled multiple times due to COVID reasons. The merchant verified that they sent the money back to the credit card company ( PayPal/Synchrony ). However, after repeated attempts, PayPal/Synchrony refuses to give me my money back. PLEASE HELP!
Product: Debt collection

We are located at : Knight Adjustment Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX or XXXX Fax XXXX Email sales@knightadj.com The amount of {$560.00} was borrowed from XXXX XXXX XXXX XXXX  on XX/XX/2016. Due to financial shortcomings, the amount was sold to the 3rd party debt collector Knight Adjustment Bureau. On the original conversation, that took place within 6 months after the debt was sold off. Knight Adjustment Bureau demanded {$3000.00} and threatened legal action if the amount was not paid, and did so in a threatful manner. Them, not willing to negotiate, and not having the money at the time, I broke off any attempt to negotiate. Knight Adjustment Bureau, not willing to take " not at this time '' as an answer, they continued to call with -- what I believe to be -- the intention to annoy. Repeatedly calling even after I asked them to stop. It got to the point where I was receiving multiple calls a week, at times may per day. There conversations where very threatful with the intent to harass. All the evidence you need is in the recordings they make of all the phone calls if you can get it out of them. 

CFPB : for any follow up just email me with the email you have on file
Product: Student loan

I paid 3 different payments on the student loans in question before they showed delinquent, which kept the account current and now has dropped my credit score by XXXX points and will prevent me from obtaining a loan for buying a home as well as I have started classes, so there should be no credit reporting during this time.
Product: Credit card

In XX/XX/year>, XXXX XXXXXXXX was stolen the the Apple Credit Card issued by Goldman Sachs in the wallet was used to make purchases. I disputed the transactions and they were removed from my account. Pursuant to the cash back feature of the card. Those purchases generated rebates totaling {$190.00}. That amount was posted to a related Apple XXXX XXXX XXXX XXXX XXXX XXXX XXXX  When the fraudulent transactions were reversed, the cash rebates were also reversed. As part of the same crime, the Apple XXXX XXXX in the wallet was used in fraudulent transactions as well, depleting the balance. XXXX XXXX XXXX refused to abide by their terms of service limiting the customer liability for unauthorized transactions to {$50.00}. Since the balance on the Apple XXXX XXXX XXXX XXXX, when Apple/Goldman Sachs Bank attempted to reverse the cash back portion they were unable to recover funds from XXXX XXXX XXXX XXXX The result was that my Apple Card ended up with a balance of {$190.00} for the charges for reversal of the cash rebates. Goldman Sachs Bank has violated their terms of service which state that a consumer has zero liability for unauthorized transactions. Apple should have been aware vulnerabilities. Additionally, Apple issued both cards. Goldman Sachs Bank should cancel the reversal of the cash back associated with the fraudulent transactions or should collect the amount from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  should honor their unauthorized use policy and credit my account and charge back the merchants. In addition, Apple/Goldman Sachs Bank should remove the negative information reported to the credit bureau XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is taking over 5 months to investigate and send a response back. They are allowed 30 days and its passed its been 5 months they are violating my rights.
Product: Credit reporting or other personal consumer reports

I have a new CC or loan reported on my Transunion credit report from XXXX XXXX XXXX, Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX I did not open this account. 

Please help me remove this from my credit. 
Thank you. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I asked Capital One to remove a XX/XX/year> fradulent hard inquiry on my XXXX with over XXXX calls, and they could never fix this problem. 

The initial call to Capital One was on XX/XX/year> and Capital One told me they stoped the fradulent credit card application but it would take 60 days to remove from my credit report. We're now into late XX/XX/year> and Capital One is still looking into it, with no resolution in sight. 

I even contacted XXXX by phone and written letter several times but XXXX won't remove it because they need Capital One to inform them. 

It's been over 10 hours of wasted time and no progress on this, which is affecting my credit report.
Product: Student loan

XXXX of 2021 I send off a 609 letters to all of the credit bureaus. I dont agree to the amount of {$58000.00}, and the lender rate.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against transunion, Equifax and Experian.. for failing to properly investigate my dispute regarding Inaccuracies, transunion responded within 24hr stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act, 15 usc 1681i, 12 usc 5536 ( a ) ( 1 ) ( A ) - ( B ) Under 15 usc 1681b. Credit reporting agencies are only allowed to furnish consumer Credit report to those who have permissible purpose of defined by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting to Equifax that this account is missing payments when this account is closed and paid in full. XXXX XXXX is repeatedly reporting fraudulent report and XXXX  XXXX  is fraudulent reporting the. This is repeatedly a problem.
Product: Debt collection

Harassing calls, attempting to obtain a garnishment on 15+ years old debt.
Product: Credit reporting or other personal consumer reports

TOTAL VISA/XXXX aka Total visa 1 charged off the debt so they got paid for it 2 they have my balance wrong how I owe almost XXXX dollars and the card was XXXX limit. Also, other information is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on XX/XX/21 well over 45 days and no investigation results have been provided,.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my lifestyle by getting certain things situated to help provide for me and my family.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX for falsely reporting a late payment on my credit report. 

I previously disputed this with [ Experian/Equifax/TransUnion ] XXXX but my dispute was wrongfully denied despite clear evidence that the report is inaccurate. 

Issue : I called Credit Strong and they agreed that if I paid my balance in full and closed my account, they would report it as paid on time. I followed their instructions and paid in full before closure, yet they still reported a XXXX late payment. 

Violation : Under FCRA 1681s-2 ( a ) ( 1 ) ( B ), Credit Strong is required to accurately report information to the credit bureaus. By failing to do so, they are violating federal law and damaging my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I participated in an " AUTO LEASE '' transaction in the amount of {$22000.00} with Orbit Leasing, LLC of Wyoming, XXXX with an option to buy. I was provided with a form to OPT-OUT of having this transaction and experience shared, TRAFFICED, furnished, provided or reported to ANY non affiliate of Orbit Leasing , LLC dba XXXX XXXX. On XX/XX/XXXX I utilized the form provided by filling it out, signing it and mailing it to Orbit Leasing, LLC via CERTIFIED mail green card return receipt requested, along with a notarized written communication. On XX/XX/XXXX, ORBIT LEASING LLC committed " identity theft '' by in-fact reporting my transaction and experience with them in violation of 15 USC 1681 ( a ) 2 ( A ) ( i ). and 15 USC 1601 ( a ) as it has resulted in injury and actual damages to me in the form of increased cost and denial of accounts.
Product: Credit reporting or other personal consumer reports

I am respectfully requesting a validation of debt, pursuant to 15 USC 1692g, alongside Anybody can do it a cease-and-desist proof of claim. Please provide proof of claim and demand to see and authentication contractual agreement that authorizes the legal or lawful collection of this alleged debt. If you fail to do I request to permanently remove these items off my credit report. Accounts in question : - XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. 15 USC 1681s-2 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. Sincerely XXXX XXXX
Product: Mortgage

probably the most disorganized mortgage company i have worked with ever. I make a payment and it just sits there as unapplied funds. If i dont call in to speak to one of their account reps it will just sit there, potentially ruin my credit although i made the payment. So that happened this month and i have been trying to call all day and their phones are down. This has happened at minimum 10 times.
Product: Money transfer, virtual currency, or money service

I tried to buy a part for my truck from an individual ( XXXX XXXX ) and sent the money in two transactions ( {$200.00} and {$200.00} ) on XX/XX/year> via block , inc . ( cashapp ) that was a scam! He took my money and cash app was notified instantly, but never done anything to help me, cancel transactions, or get my money back. I filed a complaint with cashapp and also with the ohio attorneys general office but never got anything back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017, a data breach at Equifax caused personal information of several consumers including SSNs, addresses and names to be compromised. Equifax provided a website ( https : //www.equifaxsecurity2017.com ) to check if a particular consumer 's data was compromised in the breach. I input my information and the website told me that my information was possibly compromised. 

Equifax provided a 1 year complimentary credit monitoring service for consumers who were affected in the data breach. However, in the Ts & Cs,  Equifax states that by accepting the complimentary credit monitoring, consumers agree to arbitration and waive any right to pursue judicial action against them.
Product: Credit reporting or other personal consumer reports

This account was paid and settled, however, this account is still showing on my credit report with inaccurate information. I have tried to dispute this several times through XXXX several times and XXXX each time as refused to acknowledge nor delete this as a goodwill deletion.
Product: Debt collection

Merchants Credit Bureau, Inc.claims that I owe {$2200.00} that was belong to XXXX XXXX XXXX XXXX , XXXX, a landlord that once I was renting an apartment from. 

Merchants Credit Bureau , Inc sent me a list of maintenance charges that XXXX XXXX XXXX XXXX , XXXX ( their client ) believes that I caused them. 
I don't agree with those maintenance charges and they lack any evidence. 

They have added a collection activity to my credit file and caused my credit score to go down.
Product: Student loan

On XXXX I transferred {$10000.00} into my EdFinancial student loans. Edfinancial transferred all loan customers to a new website. After transfer to the new website, {$10000.00} that was transferred was deducted from my husband 's bank account but not accounted for on the new website. I have called them once I realized their error. Firstly, they had no awareness about the error. If I was not paying attention to my pre-transfer and post-transfer total loan, then it would not have been caught. I started contacting them in early XXXX first or second week. Each time of contact, I have been given multiple estimated dates and reassurances that it will be fixed. I have sent multiple messages and called several times since then for updates. It has been more than 60 days since my early phone calls with no resolution and no guarantee of resolution. I will speak with supervisor tomorrow. However, even if I speak with them, I am unsure if they will correct the issue or continue to tell me to be patient and wait again with no reassurance it will be fixed.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having insufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

Portfolio Recovery Associates, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Nature of Complaint : I am filing a formal complaint against **Portfolio Recovery Associates , LLC* for violating the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and unlawfully invading my financial privacy** through the unauthorized and continued reporting of disputed debts to credit bureaus. Despite my formal written dispute and demand for removal, Portfolio Recovery Associates continues to report these debts, causing **financial injury** by negatively impacting my creditworthiness. 

Violations Committed : 1. Failure to Cease Communication After Dispute ( FDCPA 1692c ) - I formally disputed the debts and requested validation. Instead of halting collection efforts as required, **Portfolio Recovery Associates continued reporting to credit bureaus**, constituting an unauthorized communication.

2. False and Misleading Representations ( FDCPA 1692e ) - The company is **misrepresenting the legal status of the debts** by continuing to furnish them as valid, despite my disputes.

3. Unfair Practices ( FDCPA 1692f ) - By refusing to remove the disputed debts, Portfolio Recovery Associates is using unfair and unconscionable means** to collect the debt.

4. Failure to Verify Before Reporting ( FCRA 1681s-2 ) - Under the Fair Credit Reporting Act, a furnisher **must verify the accuracy of a disputed debt** before continuing to report it. Portfolio Recovery Associates has failed to do
so.

5. Unauthorized Credit Reporting ( FCRA 1681b ) - My credit report is **private information**, and Portfolio Recovery Associates **does not have my express or implied authorization** to furnish any information about me to credit bureaus.
Product: Credit reporting or other personal consumer reports

An unknown suspect has been using my identity and social security number without my permission. When I reviewed my credit report I observed several accounts that I did not apply for or authorized. 

I have filed a Police report and I am still unable to get these accounts removed. Please remove these fraudulent accounts from my report. In accordance with the fair credit reporting act XXXX Account numbers 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 States 2 : It also states a consumer reporting agency can not furnish a account without my permission without my written instructions. 
XXXX XXXX XXXXXXXX {$6100.00} XXXX XXXX XXXXXXXX {$2200.00} XXXX XXXX XXXXXXXX {$260.00} XXXX XXXX {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Cant say enough terrible things about this shady company. Initial request for extension during death in family denied about 5 times escalated to supervisor and office of the President they honored.

I was going to refinance because of the denial but stayed because they honored they waived the balance which was fine then to my surprise they screw me over in my credit profile Ive never had 60 -90 days on any account in my entire life nor prior to or after with this account I was advised allow one billing cycle for it to be corrected twice then when that didnt happen and I followed up was advised info is reported accurately however extensions were processed inaccurately and training and coaching was being provided to the employees in question as a result of this. 

I again continued to dispute because o know what I was told many times over 5 weeks ago I was told allow up to 30 days yet again so today I call in supervisor says I do see where a request was sent to update then he says wait what your account is confusing there are definitely somethings in error here and many things not notated properly however they sent you a letter stating it was accurate again no it is not no it is not no it is not.

What kind of scam artists are you seriously? Worst time in life Ive clearly always been on top of this account which has been reiterated by your reps about 20 times now people like that dont get late remarks let alone 3 in a row IMMEDIATELY fix this error your rep again today stated this was done improperly and this should have been rectified however it appears it was not SO FIX IT