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

I am XXXX XXXX XXXX, and I am writing this for myself and there is no third party involved over a few months ago I sent in my dispute letters and I have yet to hear anything from them. I understand that by law they were given 60 days to respond and I have yet to her anything from them and in return I need those items deleted because I never gave anyone the consent to procure any report pursuant to 15 USC 1681b ( 2 ) which is a violation of my consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I filed a dispute with equifax stating 2 items were being reported incorrectly. One I tem was XXXX XXXX XXXX in which they never investigated and I continued to send in requesting new investigations and still nothing they totally ignnore. at the end of the year XXXX I get item investigated.and remains. Thats 360 days it took to investigate this item has 30 days but they kept ignoring. Now they say was investigating but no information is available on this account buy account holder so how investigation was done is beyond me. Equifax violated federal law as it has 30 days to respond not one year and is and should be fine. I sent them a new letter in which they signed for on XX/XX/XXXX telling them od the fraud they have committed and to remove the account its now XX/XX/XXXX and they have ignored and have not responded back. This item goes why beyond fed limits and they should be fined which is my next step as it has cause great distress. Next at the same time account XXXX XXXX XXXX was also received on XX/XX/XXXX by Equifax. This item was previously removed in XX/XX/XXXX then put back on after removed and disputed for a year not 30 days then they after a one year investigation which is illegal come back and add time on to a loan that was paid off XX/XX/XXXX and show it being paid all the way though XXXX and marked status 120 late. Now they ignored my request that they received on XX/XX/XXXX to remove and havent responded and its now XX/XX/XXXX. This is also a serious violation of federal law. How can a loan paid off in XX/XX/XXXX show late 120 days a year after account was closed.. They flat out ignored both my requests not only in XXXX but now XXXX. This has cost much damages to my credit score as well as taken much of my time to write letters to try and correct and only to be ignored. Such failure of federal law should entitle me to 1000s of dollars..This is total neglect of their responsiblities. I dont wish for a new investigation as they have botched up and ignored 1 plus years of request. I want these items totally removed as well as some kind of compensation for there neglect of duty.
Product: Debt collection

Premier Portfolio Group has left several voice mails indictating that they have mailed documents to me ( nothing has ever been received ) and that I have a " pending complaint '' in their office. They have stated on my voice mail that they will garnish my wages if I do not call them back to make arrangements. At other times, they have stated that they have a bad check I attempted to pass along with my name, social security number, and routing number. I believe this is in reference to a payday loan that I paid back in full and then closed the checking account directly after the final payment as the collection practices of the original company were illegal.
Product: Checking or savings account

I have been trying since XXXX/XXXXXXXX21 to get the funds from my IRA account at Capital One. On XX/XX/21, I called Capital One to ask how do I go about getting my IRA funds withdrawn so I can roll it over to another bank with higher interest rate. The lady said I would have to fill out an IRA withdrawal form. She sent me form by email. I filled it out and sent it back on XX/XX/21. Received email on XX/XX/21 from Capital One saying they received the form. I waited for money to be mailed to me. On XX/XX/21 via email I received a message for me to call them about IRA. So I called them that day. I was told I needed to check boxes on form as to whether I wanted federal or state taxes withheld and resend form back to them. So I did resend corrected form same day. Received email from Capital One on XX/XX/21 confirming receipt of withdrawal form. Waited for check, and as of XX/XX/21 still no check, so I sent an email to them requesting check and threatened to make complaint. On XX/XX/21, I called them again about IRA and spoke to XXXX, he said he would refer it to his manager, either XXXX or XXXX and have it expedited. On XX/XX/21 received email from Capital One confirming receipt of form and I should call them. I emailed and said I just talked to someone the previous day. On XX/XX/21, I called again and spoke to XXXX. He asked me to get the IRA form I submitted and then he asked what was my SS # and I told him, then realized the first 3 numbers were incorrect. I asked him why didn't anyone mention this to me before? He didn't know but he told me to fix SS # on form and resubmit it to them. He told me to call after I submitted the form. So I did. I think I spoke to XXXX and she said they did received form and that they would accept my updated form even though I hand wrote changes and did not initial. XXXX spoke to a manager and manager said check would be expedited. Probably mailed out Tuesday or Wednesday. I checked online and on Wednesday the IRA on my online account was still open and not closed. So I called again, on either XX/XX/21 or XX/XX/21. The person I spoke to said the check would be issued Friday, XX/XX/21 and mailed. The account was closed on XX/XX/21. Received letter in mail on XX/XX/21 that account was closed. But still have not received check as of XX/XX/21!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to TransUnion on XX/XX/XXXX. It was received on XX/XX/XXXX ( as shown on certified receipt ). While they did remove some of the accounts with violations, TransUnion blatantly ignored several of the inaccuracies and violations which were pointed out to them in said letter. They continued to report the exact same inaccuracies and violations on my subsequent credit reports ( XX/XX/XXXX and XX/XX/XXXX ). Their failure to remove inaccurate information is severely impeding my ability to repair my credit. My credit report is riddled with inaccurate information which they are purposely reporting! I will attach a copy of said letter as proof.
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 : Account NumberXXXX Account Name : XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  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, credit repair services, or other personal consumer reports

In XX/XX/2022 I noticed that my credit score had dropped, which is unusual because I've had a perfect credit report for more than 7 years. I looked further into this to see that an unauthorized charge went unpaid on my Citibank credit card that I don't use. Because it was a late payment, I had late fees roll over and Citibank reported this to the 3 credit agencies. I called Citibank to dispute the charges, and they agreed to remove the charges and late fees ( see attached credit statement showing my balance return to {$0.00} ). However, Citibank is still reporting to the 3 credit agencies that I have a 60-day late payment, which has negatively affected my credit almost by XXXX points. I have tried to dispute this with Citibank and all 3 credit agencies two times, but this is remaining on my credit report, which has an incredibly negative impact on my financial life. Citibank is claiming the information is correct, even though they already refunded me the unauthorized charges and late fees. Because these unauthorized charges and late fees were refunded by Citibank, this should also be removed from credit reporting and return my credit to its previously excellent standing.
Product: Credit reporting or other personal consumer reports

This account is reporting late when it was paid as agreed please update or delete this account asap. Remove 30 day late that was reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

WHICH BEST DESCRIBES YOUR ISSUES - none of the options apply but I was forced to choose one. They did not attempt to collect the wrong amount but they have continued to give me the run around and provide me with false information or they do not follow through with what they say they will do. 

I contacted Portfolio Recovery Associates to negotiate settlements on accounts that were reporting to the credit bureaus. The XXXX account I paid was on XX/XX/2017 and I asked for a letter to memorialize the settlement. I was told I would receive by e-mail in 24 hours but never received it. I called on XX/XX/2017 to payoff other accounts and came to an agreement to settle XXXX more accounts. I asked for an arrangement letter for these accounts as well as for the account paid on XX/XX/2017 that I did not receive. I waited 24 hours and called again asking about these letters always being told I would receive in 24 hours. I explained that I am under a deadline and could lose housing opportunities if I do not have these letters. I called every day, sometime 2x a day. Finally on XX/XX/2017 I called again and reached an associate who put me through to another supervisor ( XXXX XXXX in XXXX ) who just kept giving me bad information and would contradict himself. He said that they were not able to provide a letter through e-mail, that I could not have an arrangement letter until 48 hours after payment was received, could not have a {$0.00} balance letter for 10 days, and they could not use my husbands e-mail address for communication to me. When I tried to tell him we were accommodated when we paid off my husbands collections he was not interested. I asked again for arrangement letters and provided my personal e-mail. XXXX XXXX told me I would not get any letters until my e-mail address was verified and that he would need to send me a disclosure e-mail to respond to - again this could take up to XXXX hours. I finally received some letters through my husbands e-mail address but 1 of the letters was from an older account that I did not ask for and 1 of the other 4 letters I was expecting was not provided. The 3 letters received were poorly written, included the wrong dates, did not include the original balance so the balance could be matched to the credit report, and showed a current balance of {$0.00} with a payment due. I contacted the Ombudsman office in an attempt to resolve and I was sent the same poorly written letters in addition to the letter I was missing but now this also was poorly written and included incorrect information ( reports that I still owe money ). I called the rental relations company I am working with to see if they would call Portfolio Recovery and verify the accounts have been paid and when the rental relations company called Portfolio Recovery Portfolio Recovery would not verify any information. I am not sure why it is so difficult to get a letter from this company acknowledging the settlements they have agreed to. Every time I call I am connected to a different person and receive different information. I do not know what to do next.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late f purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX Account Number XXXXXXXX XXXX  Account XXXXXXXX XXXX Account Number XXXX, XXXX Account Partial Account Number XXXX, Has violated my rights. 15 U.S.C 1681 section 602 A Section 1 : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 U.S.C 1681 Section 623 B Section 2 : The Information is, in fact, still inaccurate.15 U.S.C 1681 section 609 A : Every Consumer reporting agency shall, upon request, clearly and accurately disclose to consumer :
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my credit report this account was opened on XX/XX/XXXX the company name is Franklin Collection SV took over for XXXX XXXX. The amount on my credit report is XXXX. I haven't had XXXX XXXX   since XX/XX/XXXX or XX/XX/XXXX this is NOT my account. I attempted to remove it from my credit report and it's been rejected twice. I called XXXX XXXX last year when I got a bill for this to tell them that I haven't had service with them in years and the representative told me to disregard it because they couldn't find it in their system. I even went to a XXXX branch in my area they also couldn't find it and told me to disregard this and it was an error on their part.
Product: Credit card or prepaid card

The store card administered by TD Bank offers a deferred interest period of either 6 or 12 months depending on your purchase amount. They encourage you to sign up for electronic statements and billing, but their online payment system is designed to make you underpay during your promotional period so that you will be walloped with a massive amount of accumulated interest at an incredibly high rate. They have the online payment system rigged so that you CAN NOT pay any more than the minimum payment due each month on auto pay. Of course, if that's all you are allowed to pay through the system each month, then you will be far short of the total due during the promotional interest-free period. It is obvious that they have set their system up to increase the likelihood that consumers will either ( 1 ) have to make individual monthly payments, which increases the likelihood of missed or late payments, which will in turn incur late payment fees and it will be considered a default on the interest-free terms of agreement and they can start charging interest immediately ; or ( 2 ) they will only pay the minimum monthly payment since that is all that the online auto pay system will allow and then they will be be far short of having paid off the balance during the promotional period and will incur accrued interest at a whopping 29.99 %. 

This is THE ONLY online system I have ever used that prohibits consumers from making automatic monthly payments larger than the minimum payment due. It is down right fraudulent in their attempt to force consumers into defaulting on their interest free period. 

I called them on XX/XX/18 and they confirmed they will not allow automatic monthly payments larger than the minimum amount due.
Product: Vehicle loan or lease

I was financing the car but the dealership sold the car to me XXXX but when I looked on the blue value book the the car was XXXX and gap didnt pay the full amount they was supposed to pay for the sensors
Product: Debt collection

[ Your Full Name ] [ Your Address ] [ City, State, Zip Code ] [ Date ] [ Debt Collectors Name ] [ Debt Collectors Address ] [ City, State, Zip Code ] Subject : Request for Debt Validation Account Number : [ Debt Account Number, if available ] Dear [ Debt Collectors Name ], I am writing regarding a notice I received about a debt you claim I owe. Under the Fair Debt Collection Practices Act, I am requesting that you provide validation of the debt, including the details necessary to substantiate the amount, origin, and ownership of the debt.

Please provide the following information : The name and address of the original creditor.

A detailed statement of the amount owed, including interest, fees, and any other charges.

Proof that I am responsible for this debt, such as a signed contract or other documentation.

The date of the last payment made on this account.

Documentation showing that you are legally authorized to collect on this debt in my state.

Until you provide the requested information, I ask that you cease all collection activities related to this account. Furthermore, please note that any attempt to report this debt to credit reporting agencies before validating it would be in violation of the Fair Debt Collection Practices Act. 

Please send all requested information to the address above. 

Thank you for your attention to this matter. 

Sincerely, [ Your Signature ] ( if sending a hard copy ) [ Your Printed Name ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing Equifax that I was a victim of identity theft. Equifax is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Equifax has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : 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
Product: Debt collection

According to FCRA section 605B it is illegal to report anything on my credit report without my permission please remove this negative item, also see 18 USC 1028A, 15 USC 1681B
Product: Mortgage

Freedom Mortgage Corporation charged me {$110.00} in late fees when I have not missed any payments. They did not provide me with any late fee notifications or let me know they were charging me fees. My loan payment was paid regularly on the XXXX and XXXX each month as was set up by their auto pay system that they strongly encouraged. I filed a form and an online request that Freedom Mortgage picked the dates of the XXXX and the XXXX for payments. Now, they are stating my payment of the XXXX is late but I was only notified today on XX/XX/2023 rather than months ago when the auto pay was set up in XXXX. I can not believe they will not waive the fees as they never sent me any correspondence or statements showing a late fee until today I was sent a vague email to log on. In talking to customer service they said they would escalate it and never did. They never sent me any information or provided any reasoning of why their auto pay was causing me late fees. There are not late fees shown in my history attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE HAVE EXPERIAN XXXX XXXX XXXX TO REVIEW THIS COMPLAINT. 
Experian is obligated by the FCRA to report accurate accounting.Consumer has advised ALL INQUIRIES AND ACCOUNTS reported was fraud. Said company had 4 days According to law to remove Such items. FTC fraud report was filed on behalf of the consumer, Consumer now is requesting Experian to provide documentation used to determine the inquiries and accounts was indeed authorized by the the consumer. EXPERIAN has 7 days to provide with names to persons spoken to, documentation used signed applications with consumer wet ink signature. Consumer is not asking for E-Oscar report. If EXPERIAN does not have documentation to show that these accounts and inquiries was in fact authorized by the consumer they must be removed ASAP. SAID company is liable the SEC to follow certain rules. EXPERIAN commission number is XXXX XXXX XXXX XXXX XXXX XXXX AS TRUSTEE XXXX XXXX as trustee XXXX XXXX XXXX XXXX SECURITY INTERMEDIARY THEY ARE ALSO THE DEPOSITARY BANK ADDRESS XXXX XXXX XXXX XXXX XXXX, Delaware XXXX. EXPERIAN IS SECURITIZING CONSUMER DATA WHICH IS DEFINITELY NOT EQUIBLE TO THE CONSUMER AND ALSO REFUSING TO GIVE CONSUMER THEIR CREDIT FILE Experian is under fire for failure to remove consumer inaccurate information that's causing them financial injuries I have tried twice this year to remove Such items but Experian deliberately do not remove my request items nor do they summit to documentation requested for on behalf of their dispute
Product: Credit reporting or other personal consumer reports

Experian These collections were illegally obtained in my name and nonetheless inaccurate and illegal. I have already disputed these items. Please remove these collections and inquiries listed below as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Santander is indeed a 3rd party to this transaction. They do not have first hand knowledge of what actually took place or what was said at the dealership, I wan na start this complaint by stating i never received my right to rescind as federal law states i have the right to. 15 USC 1635 " the DELIVERY of the information and rescission forms required under this section together with a statement containing the MATERIAL DISCLOSURES required under this subchapter, I never got told i had a right to rescind let alone material disclosures on how to exercise those rights, a cooling off period is not a RIGHT TO RESCIND. FEDERAL LAW NEVER STATES ANYTHING ON COOLING OFF PERIODS. 
I also received a NOTICE OF INTENTION TO DISPOSE OF MOTOR VEHICLE, that is also a violation of 15 USC 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 4 ) The advertisement for sale of any debt to coerce payment of the debt.