23daVinci/CFPB_Complaints huggingface dataset:
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 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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: Credit reporting or other personal consumer reports

It is the XXXX XXXX XXXX XXXX which shows an account balance of XXXX when I paid the money XXXX month ago but is still showing on my credit report as not paid and because of that its still on my credit report and my score decreased significantly. I tried to contact them but they are not willing to respond. Their information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections XXXX ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I email a dispute to Portfolio Recovery It has now been over 30 days enought time to do what I requested { they have not complied to anything, Enclosed is the affidavit 's that was sent with proof it was sent under FCRA they had 30 days to reply I request that the credit reporting companies remove the account at once. XXXX still showing as XXXX XXXX/XXXX XXXX as owning account and PRA is under collections they can not report both a clear violation I leave this in the hands of the CFPB to investigate and any and all documents in this matter going or coming will be forward to the CFPB
Product: Debt collection

I used the lender EnerBank USA to cover the repair of a septic tank drain field on my property and was making steady payments since the repair in 2020. I came down with XXXX which lead to an extended absence from work, and attempted to keep up with the payments but the lender was difficult to work with. 

We finally reached an agreement allowing me to set the account straight by making on time payments again, but made a payment a day later than the cutoff. 

This lead to them sending the first of several letters with a payment amount that they were demanding to keep the account current with the wording that added additional penalties if the payment was not received in " ten days ''. There was no date on the letter and no date mentioned to start the " ten days '', and every time I have called or paid has not been within the ten day period leading to an almost constant compounding of fees.

The absence of the start of the ten day period in all of their correspondence seems like a deliberate ploy to keep the debt active and extort for the " late fees ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 16681. 

TransUnion is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have right to privacy and I did not give TransUnion written permission to furnish these accounts. 

Accounts Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account XXXX : XXXX Account name : XXXX. XXXX  XXXX. 

Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have always made my payments on time. For some reason. I have a loan with XXXX XXXX XXXX.I realized that there were 30 days late payments on my credit report and I do not believe I was late on the dates they are reporting. I contacted them 3 times now & they claim this information is been verified but they have failed to provide me with any proof. 
, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian 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 a my file at Experian is 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 ( 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 or creditor. Please investigate this matter & provide me with verifiable proof as I have seen none in the last 4 months of me disputing this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit card or prepaid card

Wells Fargo solicited me for a credit card ( by mail, I believe ). The offer was a {$200.00} reward if I made {$1000.00} in purchases within 3 months. I quickly fulfilled this requirement and called customer service after a reasonable amount of time to inquire when I would receive my {$200.00} bonus. On that call, I was simply told it takes awhile. 
On XX/XX/XXXX, I called again and was transferred several times to different departments ( I was on the phone for XXXX minutes without resolution of the issue ). The last person I spoke with said the matter would be escalated for research and I would receive a call back on XXXX. That never happened. 
I suffered a great deal of damage to my home during Hurricane Ian and I really could use the {$200.00} now more than ever in order to help meet my emergency expenses. Any assistance you can offer would be greatly appreciated. Thank you in advance.
Product: Debt collection

I am sending another complaint, no one seems to understand what happened to me .I Iost XXXX thru garnishment for a debt that is not mine. For XXXX XXXX finance agency has taken my money unlawfully because I did what they wanted. I did n't show for court .that should make me except this. If this is legitimate I should n't have to wait XXXX for verification. If this bill is mine I have no reason to persue like this, I really need someone help me. Thanks
Product: Credit card or prepaid card

On XX/XX/2018 I made a purchase for {$75.00}. On XX/XX/2018 I made a purchase of {$160.00} " No Interest if paid in full in 6 months ''. My account had been setup with autopay for the minimum balance. I did not realize the minimum balance would not cover my purchase for {$75.00}. On XX/XX/XXXX I incurred a {$2.00} minimum interest charge. I contacted XXXX customer service who refused to wave the {$2.00} interest as a courtesy.
Product: Credit reporting or other personal consumer reports

There are several accounts reporting on my credit report, that are a result of identity theft. I have filed a complaint with the Federal Trade Commission on or around XX/XX/year>. I have also mailed out dispute letters regarding the matter in early XXXX. I have not obtained the proper information verifying that these are my accounts, indeed. Since my information was impacted by the Equifax data breach and might have ended up in the wrong hands, I am unaware of these things or inaccurate information. I have strong evidence that these erroneous items on my report were caused by your breach. You are failing to comply with the FCRA by reporting carelessly and inaccurately. I demand that these items be updated and deleted right away. I also demand that you send me a credit report within 30 days that reflects the updated changes.
Product: Credit card or prepaid card

On XX/XX/16 I spoke with 3 representatives of Capital One. I would like to point out that the initial person was understanding until I didnt understand and she started using condescending phrases like sweetheart. I spoke with an account supervisor and a sr. Account manager. The Sr. Account Manager XXXX ( Employee ID : XXXX ) was extremely condescending. She would cut me off and say things like Im not going to go back and forth with you, implying that I was in a hostile state. Which I was not. I didnt understand. My account didnt draft for the month of XXXX at no fault of my own PER the first representative I spoke with and my minimum payment due had increased for the month of XXXX 3x the normal amount because of this error. While speaking with the representative I made the payment for the XXXX payment and she agreed the late fee should be waived HOWEVER my XXXX payment would still be double what it is normally. The Sr. Manager stated I cancelled it but was not able to tell me why or how I cancelled it and again became extremely RUDE during the call. This is the WORSE customer service Ive ever experienced. My issue is still not resolved and I still dont know why, how or when the auto pay was cancelled.
Product: Debt collection

I filed for Fraud Alert or Identity Theft last XX/XX/XXXX due to using of credit card services without my consent. I pulled my report last XX/XX/XXXX and found another fraudulent COLLECTION AGENCY account from JEFFERSON CAPITAL SYSTEM with account number XXXX. This is seriously fraudulent and extended credit without contacting me personally to verify my identity.
Product: Credit reporting or other personal consumer reports

I recently identified inaccuracies on my report as a result of identity theft. I reached out to Experian to notify them of the incident, and cited 605B of the Fair Credit Reporting Act about blocking the inaccurate information. They closed my dispute and re-entered the inaccurate information back onto my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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  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 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

There is a collection that is unknown listed on my credit file. I requested validation and nothing has been received.
Product: Credit reporting

My property was sold in XXXX with the assurance that because of the XXXX balance, XXXX XXXX XXXX would not place derogatory information on my credit report. It appears that information from XXXX and XXXX termed derogatory are on the credit reports of XXXX and Transunion. 
I would appreciate this derogatory information removed.
Product: Debt collection

Asset Acceptance has continued to report a debt which is not mine and which they have not previously validated as I had requested in 2011. I have attempted to correct the disputed information with my credit bureaus, and XXXX and XXXX have removed the account while XXXX has refused to review the investigation. Because of the continued reporting by Asset Acceptance and lack of review by XXXX it is causing significant hardship in obtaining a mortgage for a primary residence with which I am in contract for.
Product: Checking or savings account

So I filed a complaint with CFPB with Capital One due to my account being frozen and having had ZERO COMMUNICATION regarding why account was frozen, when I can get MY money released to me. 

FINALLY received a response after leaving SEVERAL messages to a " Hidden '' department who never wanted to pick up the phone. " XXXX '' authored a letter that was as vague as stereo instructions : : Quote from letter : : " Please know, we are unable to close your accounts until each deposit that was added to the account is recalled by the sender ( s ). Until that time, the restriction will remain in place. '' WHAT??!!!!!! 

The last deposit to MY account was posted XX/XX/XXXX ... ..ARE YOU KIDDING ME???!! 
I am not going to let CapOne hold my money indefinitely - really? 
Is this the " new '' scam? 

I am in no way contacting anyone to have them recall any deposits to my account ....! 

So I have left XXXX messages with " XXXX '' since I received CFPB notification on XX/XX/XXXX at XXXX PST. No response... surprise! 
My files, screenshots, recordings and now this letter, have been forwarded and NEW complaints to FDIC, OCC, and California State Attorney.
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 3 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. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened XX/XX/2014 Balance {$0.00}.
Product: Mortgage

XX/XX/XXXX, I received Notice of Cancellation from XXXX XXXX XXXX ( HO ) and contacted my agent to find out what 's going on. Agent reported that XXXX ( servicer ) had paid wrong HO insur co ( believed to be XXXX ). I  then learned XXXX had forced placed ins with a 3rd ins co ( XXXX ). XX/XX/XXXX, XXXX Escrow Statement XX/XX/XXXX reported an escrow shortage of {$4500.00}, and listed 3 separate payments for HO insur for  {$1600.00} each. XXXX increased my monthly payment to account for the escrow shortage. A copy will be uploaded. XX/XX/XXXX, XX/XX/XXXX, despite frequent multiple requests to XXXX to confirm the Escrow Account balance had been corrected by refund of excess payments and reduction of monthly payments because any Escrow Shortage was due to XXXX 's actions, XXXX never provided the requested information nor corrected the snowballing fees and overcharges directly related to XXXX 's errors. Then, without prior notice, and without correcting the errors in the account ( overcharges in monthly payment amount, late fees, increased interest from misapplication of payments, etc. ) servicing was transferred to Seterus, Inc. XX/XX/XXXX-XX/XX/XXXX, after receiving initial account information from Seterus , Inc. , and seeing that XXXX  had never corrected their errors and the fallout  from those errors, including payment by Seterus to XXXX of over {$400.00} in late fees I contested, I started my campaign of regular phone calls to Seterus explaining the XXXX escrow account mismanagement, over inflated principal amount, outstanding late fees, and newly revealed escrow shortage. All to no avail. Despite my persistent requests to Seterus to obtain the appropriate Escrow Reconciliation Report from XXXX, to this day Seterus never did. This is in addition to the multiple requests to XXXX. XX/XX/XXXX, I sent both a detailed Debt Validation Letter and a Letter of Explanation to Seterus by US Mail RRR, after learning from one of the putative specialists at Seterus that they only respond to written questions, concerns, and requests like mine. A copy each will be uploaded. XX/XX/XXXX, after being paid a visit by an agent for Seterus in violation of my written requests, I mailed a Supplemental Request to Seterus. A copy will be uploaded. XX/XX/XXXX-XX/XX/XXXX, continued efforts to follow up with Seterus to resolve. Made what I considered the correct monthly payments until locked out of the Seterus web site. In XX/XX/XXXX learned that my file had been sent to attorney for foreclosure. Initiated email and phone contact with Seterus attorneys. 
XX/XX/XXXX, participated in a conference call set up by a Seterus attorney including atty, me, and a Seterus executive who promised to get to the bottom of XXXX escrow account issues in order to assist in the resolution of pending issues between me and Seterus in order to avoid foreclosure. I never heard back from Seterus rep nor atty who set up conference call. A copy of emails will be uploaded. Instead, on XX/XX/XXXX, one week later, foreclosure civil action was filed against us. A copy of the Complaint will be uploaded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

In addition, I have my several complaints to the creditor and the credit Bureaus to report the account with XXXXXXXX XXXX has been closed as of XX/XX/2022. There have not been any changes to my report to update this. Per FCRA 15 USC 1681, after the required timeframe has passed and the information disputed showing inaccuracy has not been changed ; the account must be deleted within 30 days of not providing proof that the account is accurate. 

Account Name : XXXXXXXX XXXX  XXXX - Delete account due to multiple submissions of reporting account and non-responsive from creditor and credit bureau. 

As result, please remove XXXX Bank account addressed above per FCRA 15 USC 1681 by law, must be deleted from the credit report within 30 days of not providing proof that the account is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXX law ( which states ) ( a ) Block A consumer reporting agency should 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 receipt by such agency of- ( 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 bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as equifax 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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