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

I am part of the 2017 exquifax security breach in california
Product: Credit reporting or other personal consumer reports

BARCLAYS BANK DELAWARE ( AAdvantage Aviator Mastercard ) 1 LATE PAYMENT XX/XX/2020 BRCLYSBANKDE XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX In Accordance with the Fair Credit Reporting Act This creditor has violated my rights under 15 USC 1681 Section 602 States I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 U.S. Code 1666b - Timing of payments ( 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. Which they have never done which is a violation of my rights, legaly it is not supposed to be there.
Product: Credit reporting or other personal consumer reports

Immediate Action Required : Security Breach Demands Resolution Within XXXX Hours Dear XXXX Representative or Appropriate Contact I am writing to express my absolute outrage and frustration concerning the alarming security breach that has exposed my personal information on your platform. The evidence I provide is indisputable, revealing a shocking negligence on your part. 
Unauthorized accounts linked to my name, including FIRST PREMIER, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, reflect a severe violation of your duty to secure user data. 
Inquiries from XXXX XXXX XXXX and XXXX XXXX XXXX via XXXX XXXX  XXXX XXXX only intensify my apprehension about the incompetence of your security measures. 
The addresses associated with my profile, spanning multiple locations, and the list of phone numbers, indicate a gross failure on your part to protect user information. This is utterly unacceptable. 
I demand that you take immediate action within the next XXXX hours to : * Remove any and all unauthorized accounts linked to my name. 
* XXXX a thorough investigation into this security breach. 
* Provide transparent communication regarding the steps you are taking to prevent such breaches in the future. 
* Address the issues with late payments promptly. 
Failure to comply with these demands within the stipulated timeframe will leave me with no alternative but to pursue legal recourse and report this breach to relevant regulatory authorities. 
This is not a negotiable matter. Your immediate and decisive action is required to salvage what little trust remains in your platform. 

Sincerely, XXXX XXXX accounts : FXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not properly and thoroughly investigate my dispute with XXXX  XXXX XXXX. I reported to Equifax that XXXX XXXX XXXX did not have my correct/updated mailing address nor did they have my correct telephone number as my initial dispute stated and that my initial complaint with the CFPB also stated. I also had explained to Equifax that XXXX XXXX XXXX did not allow me to dispute information on the charges that they have stated on the account, which some are fraudulent due to my identity being stolen ; which make the account balance also incorrect. Also, I explained to Equifax that the charges on the account were incorrect and that XXXX XXXX XXXX did not allow me to dispute them and that XXXX XXXX XXXX never contacted me regarding some of the fraudulent charges. XXXX XXXX XXXX did not have my correct information and only updated the correct information at the time of my dispute with Equifax and complaint with CFPB. I request that Equifax remove the XXXX XXXX XXXX account from my credit report report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX ( XXXX XXXX XXXXXXXX ), 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting {$9800.00} written off from One Main Financial. This account is incorrect as a settlement agreement was reached and {$4000.00} was paid making the amount written of {$5800.00}.
Product: Debt collection

Below is a transcript of the voicemail that was left for me on my cell phone. 

" My name is XXXX XXXX, I 'm investigating a very serious complaint for { my name }. Our client has flagged his name along with as his address and social and I 'm calling from XXXX XXXX XXXX XXXX, I need to get a statement of intent and notify him of his legal rights. If he wants to voluntarily make restitution on this complaint I need him to contact our pre-legal department at XXXX Extension XXXX. If I do n't hear from him in a timely manner we will use a government skip tracing tool to locate him we will enter this into the system and have him pursued to the full extent of the law. You have been legally notified. ( Caller hung up ) '' The collector also called me at my office. He then disclosed he was calling about " Loan Me. '' He stated the balance that he said that I owe telling me it was charged off XX/XX/2015. He demanded I make a voluntary resolution to this matter and that it is now in their prelegal department. He was calling me in my office and I had coworkers about. I hung up because he was intimidating me and I could not freely speak at work. He called the office again and my co-worker picked up. I was not available so she tried to take a message and he got angry with her asking why she needed to know and why I could not pick up my phone. She told me about this and she felt harassed. 

I felt threatened and intimidated. Because I have a lawyer handling another matter for me, I forwarded this voicemail to his office. The firm called this company and they refused to speak to the attorney or accept any information showing that they represent me. They also refused to give the law office an address for a fax number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, please assist me in getting an answer about why each credit bureau XXXX, Experian and XXXX  have been slow in upgrading my credit score since XXXX. My wife and I filed for bankruptcy in XXXX and divorced recently, but have met all our obligations according to bankruptcy rules. I alone have made consistent regular payments on an auto purchase since XXXX but the 3 main credit reporting bureaus listed above have not used the auto purchase payments as a factor in being credit worthy it seems. I don't have any credit cards as I normally pay for everything through 2 different bank debit cards. It appears the 3 main credit bureaus want me to obtain a credit card, and will only evaluate and award higher scores based solely on information received from those having credit cards. I believe this practice is unfair and would like an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex fianc had a   XXXX   XXXX   credit card he opened in  XXXX  before I met him.  XXXX   XXXX  has an  XXXX  and   XXXX   XXXX   store account, which are linked. I was added as an authorized buyer around   XXXX  . We broke up in  XXXX  and around  XXXX  I noticed both accounts are on my credit report. As an authorized buyer I have no obligation to this debt. I called   XXXX   XXXX   and they stated I was added as a joint user. I never gave any written or verbal consent, nor did I give them my SSN to be added as a joint user. I have been disputing with  XXXX   XXXX  and all  XXXX  credit bureaus to have this removed since   XXXX  .   XXXX   XXXX   refuses to remove it, even with a police report submitted to them.   XXXX   XXXX   also refuses to provide me with any information showing I agreed to be a joint account holder. When I file disputes through the credit reporting agencies, I 'm advised that   XXXX   XXXX   does not investigate this issue, instead they send a generic response back indicating the debt is mine and they fail to show supporting documentation. Both accounts need to be removed ASAP!
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 information : # XXXX, US DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Phone : ( XXXX ) XXXX : Account information : # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX : Account information : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX : ( XXXX ) XXXX Account information : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NC XXXX XXXX : ( XXXX ) XXXX Account information : # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : ( XXXX ) 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 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

The account XXXX is closed but the creditor is reporting an Increase in the balance every month and this account does not belong to me. I have asked for verification of this debt over 60 days ago and the creditor has not provided me nor the credit bureaus with this information.
Product: Debt collection

On XX/XX/XXXX I contacted XXXX XXXX XXXX after seeing a false debt on my credit report. I spoke with Manager XXXX XXXX who requested proof of coverage for the period in question XX/XX/XXXX - XX/XX/XXXX. I stated to XXXX that I can fax the proof immediately but I need to know when this false debt will be removed from my credit reports. XXXX explained to me that XXXX XXXX XXXX would not be able to provide a date of removal.
Product: Mortgage

We started with AmeriHome mortgage in XX/XX/XXXX. Our very first payment was via check that never made it. So we submitted payment over phone to our mortgage company XX/XX/XXXX for the amount of {$1200.00}. AmeriHome reversed the payment XX/XX/XXXX but funds have not come back to our account. We had to submit another ACH for XXXX payment, on XX/XX/XXXX because of this to stay current on our mortgage. We submitted proper documentation that AmeriHome stated they required to send the payment back on XX/XX/XXXX via fax. We have spoken with several representatives that have given us several different answers as far as whats going on with our payment. Some representatives have stated the payment should be being processed and could not tell us how the payment would be returned or exactly when. When we call to check on the status of the reversal, other representatives try to explain to us that there is no payment or the bank is supposed to reverse it. The bank has confirmed with a trace ID that the payment was sent and never returned. We have been working directly with a banker at XXXX. AmeriHome refers to this document as a transmittal and the bank does not recognize that term. 
Today, XX/XX/XXXX we just received documentation, dated XX/XX/XXXX, that our mortgage is now being transferred as of XX/XX/XXXX, less than a year of being with AmeriHome. If our mortgage is transferred without getting this payment refunded we fear we will never get this money back. The mortgage company is being extremely uncooperative and we need help.
Product: Debt collection

cfpb, Portfolio Recovery Associates have been on my credit report for quite some time now reporting an alleged debt of {$650.00}. I have sent them debt validation letters several times requesting " original account-level documentation '' and it went unanswered. Completely ignoring my request as to the validity of this debt. 

Portfolio Recovery Associates is also reporting to the XXXX, XXXX XXXX and XXXX credit bureaus as " Late '' and also protruding themselves as a " Factoring Account Company '' rather than a Collection Agency in their true name. " Factoring Companies '' are companies that buy corporate accounts receivables that are not past due. I XXXX XXXX is not a business and did not factor any receivables as I have no receivables and no relationship with this business. Portfolio Recovery Associates are calling themselves a factoring company and not a Collection Agency, giving themselves automatic rights to report a collection as a revolving credit card account thus allowing them to report late payments and report the account as open rather that closed.
Product: Bank account or service

i had a account with usaa bank along with my daughter well there was fraud on my acct so what they did was close all the accounts in the mean time they will not let my daughter get her money out of her acct because of the fraud on my acct in the mean time we have no money and asked if we could get the money out and also my son in laws money is going in there they want to hold the money for thirty days we need the money they say they take care of there own which is a lie
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt Under 15 U.S. code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) this account in violation not reporting 100 % accurate In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681 . These accounts have violated my rights. Pursuant to 15 USC 1681 section 602 A states I have right to privacy. Pursuant to 15 USC 1681 section 604 A section 2 : it also states a consumer reporting can not furnish accounts without my written instructions. I am requesting the original copy of the agreement and terms and condition.

Failure to comply will forfeit your claim and will require you to delete all the list of items above. You are required to do what I am asking and block these trans actions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSERemove account or be held accountable {$1000.00} per account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to all 3 credit bureaus- XXXX XXXX TransUnion XXXX and XXXX disputing this Account with ( XXXX XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 
This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE.

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account.

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX at XXXX EST I received a verification on two accounts from Experian r that contained serious fraud. 

1. Experian falsely stated that a record had been verified when they performed NO investigation and the account was never verified. 

2. Further, as noted in my first complaint Experian failed to provide proof of the first fraudulent verification on these accounts. I sent two certified letters received by an agent of Experian on XX/XX/XXXX requiring them to produce the proof and method of verification for these accounts. This letter was ignored and no proof or documentation was EVER produced as required by 611 609 and 616 and therefore they certainly missed the deadline. These accounts MUST be deleted. These are just the certified letter I sent. I sent 4 others prior regular mail. 

These accounts were lied about by Experian and NO Verification was ever done upon my first a d second regular mail requests AS THE STATUS DATES WERE STILL THREE YEARS IN THE PAST! NOW they are still lying because I have a letter from XXXX that they DID NOT PROVIDE ANY VERIFICATION TO EXPERIAN AT ANY TIME as Experian claimed. 
These are repeated multiple violations and now these accounts must be deleted per the Rules.they
Product: Debt collection

I paid XXXX in full. I made XXXX payments : XX/XX/XXXX and XX/XX/XXXX. Each payment was in the amount of {$190.00} to cover the outstanding balance of {$390.00}. Also, I received a letter from XXXX dated XX/XX/XXXX acknowledging payment. This balance had already gone to AWA Collections. AWA has continued to negatively hit my credit report after XXXX was paid in full. I have contacted both parties and provided proof, but neither will remove from my credit report stating I still owe.
Product: Credit reporting or other personal consumer reports

I am looking at my credit report and I see that XXXX is reporting a closed account with XXXX. I have never opened a charge card with XXXX. 

I order from XXXX with my debit card or a 3rd party lease and I see they have orders from a XXXX  card and addresses that are not mine. XXXX is also reporting the same addresses. 

Customer service told me to file a report with the FTC to have it removed. 

Also, XXXX says the account is charged off. If that's the case, XXXX was supposed to send me a 1099. I never received that.

However, I have received debt collection calls about this and my family has as well recently and it's tied to an address that is not mine. That is harassment.
Product: Mortgage

i here by on such day of XX/XX/2024 i got in contact with a mortgage agent on M & T bank for a pre-approval for a mortgage loan and submit my personal infXXXX there for i have gotten denied by XXXX on the credit on XX/XX/20XXXX XXXX there for i would like to summit a complain defending my self with giving the fact that the entire consumer transaction is predicted on my UNLIMITED CREDIT and not a credit transactionXXXX 

TITLE 15 SUBSECTION 1611 false and misleading of my own credit XXXX 

i cant be denied credit due to credit score, credit history, or income... any adverse action is in cosumer credit transactions is ilegal TITLE 15 USC 1691, & 12 CFR1002 XXXX XXXX
Product: Debt collection

I had a pending balance with the apartment complex that I was renting and it was taken to court, a judgment was given for certain amount. I am willing to pay that amount but the collection agency which owns that debt are trying to collect an amount that almost doubles the judgment given by the court.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is being sold over and over again. Different collection companies that can not provide the original contract or correct information
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 consumers right to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX along with XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX along with XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX and XXXX along with XXXX XXXX XXXX Account Number : N/A Account Name : Student Loans XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Department of Education 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 ) Sections States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other items of adverse information, other than records of convictions of crime which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not 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 was the victim of identity theft in XXXX 2017. I have called Target, XXXX XXXX, XXXX and XXXX XXXX to let them know I did not apply for cards with them but it was identity theft. After 30 days of not hearing back I then mailed them letters stating that I did not try to open an account and I wanted them removed from my credit report. <P/>Sadly, I have not heard back from one of the companies above in reference to this or how they are going to remove from my credit report?