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

Have history of loans from financial institutes that show all are in good standing ( paid off with no issues ) but will not show or release credit score. I have contacted trans-union regarding this issue. They say they do have a credit score on my credit report, Won't tell me what it is, unless i pay for it and won't send me a credit report unless I pay for it. Even though I have been denied credit as a result of there report. When I asked why it shows a credit score on there end but not at the bank, which has turned me down for a loan as a result of that error, she said the bank was doing it wrong. I asked? so you are telling me three different loan officers at 2 different financial institutions are doing it wrong. She again went back to me paying for this information. Then told me credit report sent to me does not and will not include credit score. She then told me to go online and I could see credit report for myself. I responded I just saw my credit report at the last financial Institution and it does not have a credit score on it, but does list at least 4 loans that have been paid off in good standing. There IS NO DEROGATORY info on credit report. 
TRANS UNION REFUSES TO CORRECT THERE ERROR
Product: Debt collection

I recieved a collection notice in the mail from a Capital Management Services claiming I owed a debt. The debt is unfiiar to me. I followed the dispute process and mailed a written letter of dispute asking for verification or judgement that the debt is valid. After 30 days I have not heard back from them, so I assumed that the debt was found to be invalid. Suddenly, without verification of the debt, I started receiving phone calls about the debt. 2 of my family members received calls from the same company trying to get information about me and my address, but this is illegal because they 1 ) already have my information in full and 2 ) have not provided written verification that the debit is valid. When I called to discuss this nefarious activity, XXXX the supervisor at capital management services claims that they never received my letter.. OF COURSE THEY WONT ADMIT ITS IN DISPUTE. 

But suddenly now it is in dispute and they promise not to call without verification of the debt in my hands. 

Capital Management Services knows their behavior is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chime/XXXX Bank XXXX Opened a fraudulent account on XX/XX/21 for over XXXX. Reported to XXXX on XX/XX/21. 
XXXX Bank representative stated there are many fraudulent accounts opened through Chime and the this type incident happens often. 
Company allowed fraudulent account to be opened, then reported to XXXX 
I Called Customer Support to fix identity theft XXXX.They report no account with my Social Security number and/or my name. 
They refused to write a letter to state that fact and-asked me to email to fix it myself. 
Taking 0 responsibility for opening a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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
Product: Payday loan, title loan, personal loan, or advance loan

Someone used my information to make purchases with after pay. I never used after pay and now there is a restriction against me.from any buy now pay later vendor. I'm asking for a full I investigation and unflag my name in your system or any system that suggests to other companies I owe you. This is fraud.
Product: Debt collection

I called the company " Global Lending Services '' on XX/XX/20 at XXXX to inquire about the debt i owed on my car loan.. I have suffered greatly from covid as i know many others have and they offer ZERO assistance for those suffering.. Once i had read the reviews i saw where the deferred some payments for the people who called attorneys but offered me and some others ZERO HELP. They told me my car would be repossessed and that i needed to get all valuables out. The fact that a company has NO ASSISTANCE for something like this is appalling and they should be shut down.
Product: Credit card or prepaid card

I received an ach transfer with my business name instead of my full name I tried to disclose this to the bank and find a resolution and they would not comply I asked if they can just close my account and send me a check they wont tell me what I can do or how to resolve this issue they have my account locked
Product: Credit reporting or other personal consumer reports

, I am deeply concerned that I have not received the required Personal Financial Privacy Policy Notices and annual opt-out statements under the GLB ACT & NEW JERSEY DATA PRIVACY NOTICE under the NJDPA in WRITING as mandated by the GLBA & NJDPA.These notices are crucial to ensuring that consumers like myself are informed about how our financial information is shared and processed, as well as providing us with the opportunity to opt-out of such disclosures. The failure to provide these notices is a serious violation of both federal and state laws and raises concerns about the protection of my personal financial information.is shared and processed, as well as providing us with the opportunity to opt-out of such disclosures. The failure to provide these notices is a serious violation of both federal and state laws and raises concerns about the protection of my personal financial information.

I Request for Compliance and Remedial Action : I demand that these CONSUMER REPORTING AGENCIES take the following actions : 1.Provide me with the PROOF Personal Financial Privacy Policy Notices and annual opt-out statements & NEW JERSEY DATA PRIVACY NOTICES was mailed or delivered as required under the GLBA and NJDPA.

2.Conduct an immediate review of your privacy notice dissemination practices to ensure full compliance with federal and state laws moving forward.

Violation of the New Jersey Data Privacy Act ( NJDPA ) : In addition to the GLBA violation, These CONSUMER REPORTING AGENCIES has failed to comply with several provisions under the NJDPA, which grants consumers specific rights to their personal data, including : .The right to confirm whether personal data is processed. 

.The right to access, correct inaccuracies, and delete personal data. 

.The right to opt-out of the processing of personal data for targeted advertising or sale. 

These CONSUMER REPORTING AGENCIES failure to provide these rights and the required privacy data notices constitutes a violation of the NJDPA. Furthermore, XXXX EQUIFAX XXXX has allowed unauthorized third-party financial institutions access to my personal and financial information, including sharing details from my consumer report without my consent, in direct violation of the NJDPAs prohibition on processing sensitive data, such as financial accounts information including my Aidvantage student loan account without consent, If this matter is not promptly resolved, I will have no choice but to escalate this dispute by filing a formal complaint with the appropriate regulatory authorities and pursuing legal action if necessary.
Product: Credit reporting or other personal consumer reports

These accounts should not be furnished in my consumer report, as they are in violation under, 15 U.S Code 1681b ( a ), ( c ) ( 2 ). 
XX/XX/23 placed theft alerts w/all three reporting agencies. Contacted agencies to inform of theft alert. 
Filed a theft report w/ FTC on XX/XX/23 Unrecognizable accounts with excessive amounts : {$18000.00} - {$3000.00}. 
Unauthorized use of information.
Product: Credit reporting, credit repair services, or other personal consumer reports

State Farm reported a 30 day late in XX/XX/XXXX. I made a online payment for this account on XX/XX/XXXX and XX/XX/XXXX. The XX/XX/XXXX payment State Farm never withdrew due to " technical error it appeared '' I was told. I then paid the vehicle off since they refused to remove the late payment. I was going through the purchase of a vehicle at the same time and was NEVER notified of any late payments. The first notice I received was after the fact dated XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am addressing several violations of the Fair Credit Reporting Act ( FCRA ) by a credit reporting agency or other entity that has mishandled my personal information. I am asserting that they failed to comply with various provisions of the FCRA, which has negatively impacted my credit report. Specifically, I am alleging the following violations : Willful Noncompliance ( Section 616 ) : The agency accepted credit information about me without verifying its accuracy, which is a willful violation punishable by civil liability of up to {$1000.00} per violation. 

Failure to Disclose Opt-Out Rights ( Section 603 ( d ) ( 2 ) ( A ) ) : The agency did not inform me of my right to opt out of sharing my personal information, which is a deceptive violation of my rights. 

Furnishing Inaccurate Information ( Section 623 ( a ) ( 3 ) ) : The agency reported inaccurate inquiries and accounts without proper validation, potentially violating Generally Accepted Accounting Principles ( GAAP ), which makes this deceptive. 

Debt Collection Violations : I allege that the agency engaged in unfair debt collection practices by reporting inaccurate debts and accounts without my consent, causing distress and harassment.

Improper Disclosure of Debt Information : Debt collectors allegedly contacted third parties about my debt without my permission, violating regulations on disclosing debt information.

Late Payment Reporting Issues : I claim that the agency reported late payments on my credit report without explaining what constitutes a late payment, which is deceptive. 

Incorrect Finance Charges : The agency reportedly failed to accurately determine the finance charges on my credit report, which is their responsibility. 

Unauthorized Reporting : The agency reported information about me without obtaining my written consent, violating the permissible purposes outlined in the FCRA. 

As a result of these violations, I am requesting that the following actions be taken : Immediate removal of inaccurate personal information associated with my addresses in XXXX, SC, and XXXX, GA. 
Correction of the payment history for my XXXX account to reflect " Never late '' as per XXXX instructions. 
Validation of the XXXX XXXX debt, as it was reported without proper validation or evidence of my liability. 
Deletion of accounts reported by XXXX, XXXX, and XXXX XXXX which were reported without a permissible purpose. 
I am demanding prompt resolution to these issues, and I expect a response soon. If these violations are not addressed, I will pursue legal action under the FCRA to seek remedies for these violations.
Product: Credit reporting or other personal consumer reports

There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer.

Provide accurate information about accounts or other interactions you have with customers.

C - Look at consumer complaints in a reasonable manner According to CRRG, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report.

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation.

I'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became a of victim of Identify Theft on XX/XX/XXXX. 

I filed a police report with XXXX XXXX Sheriff 's Deputy XXXX on XX/XX/XXXX. 
I mailed Experian ( along with the other two agencies ) a form letter with detailed information containing my date of birth and social security number, my current address of over 30 years, along with copy of recent utility bill, copy of my driver 's license and a copy of the Police Report that was given to me by Deputy XXXX. My letter requested a permanent security freeze be placed on my credit account. With the letter was the police report stating the file number, classification of incident, date of incident, deputy 's name and badge number, along with XXXX XXXX County Sheriff 's Station contact information. 

I sent these documents via USPS certified with a return signature form, which shows Experian received the documents on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Experian stating their refusal to place a security freeze on my account due to my police report not meeting their criteria for security freeze. Their letter stated that I should pay them {$10.00} to place a freeze instead. The sheriff deputy report clearly states the incident of the crime as a 530.5pc, which is an identify theft incident. They are refusing to acknowledge my police report in order to extort {$10.00} from me. 

I phoned Experian on XX/XX/XXXX and was directed to an over seas staff person that refused to acknowledge my claim of Identify Theft. They stated the only way I could get a security freeze was to pay Experian the {$10.00}. 

I'm left feeling like another victim of crime from Experian for their refusal to abide by California Civil Code 1785.11.2-1785.11.6 and 1785.15. and whatever Federal Laws they violated too.

I also sent same letter and documents to XXXX and XXXX, to which they initially refused to grant a security freeze, but with follow up phone calls and requesting speaking to multiple supervisors several times on same phone call, I was finally transferred to a USA based employee and able to get the security freeze placed on my account from both of them ( XXXX, XXXX ).
Product: Debt collection

I get calls everyday and sometimes several times a day and when i spoke to them that i wanted to see what we spoke and agreed on over the phone in writing she said i would get an email and it would state that. I also wanted it to say that it would be removed from the credit report and she insisted i would get this email. Then she wanted to take my payment over the phone while i was driving and i told her i couldnt and that i still wanted to see this email and she insisted i pay and look at the email she never sent and i explained i wasnt going to put my life in danger just to read an email and i would read it when i got to my destination and she got upset and told me the deal was off and that it would go back to the original debt.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

They literally told you guys I'm marked as no contact and they continue contact, which is a direct violation of the fair debt collection practice act
Product: Student loan

1. XXXX XXXX has deferred my XXXX  school loans on four separate occasions without my permission because I was in school at XXXX University part-time, taking one course at a time. Doing so has raised my student loan interest rate by .25 percent. Prior to the faulty deferment I had a .25 reduction in my interest rate for using their direct debit service, and deferring my loans without my permission raises my interest rate again back up .25 percent. They claim that the Department of Education automatically defers my loans. I don't see how this is right or fair. 

Additionally, there is a form that I can fill out according to XXXX XXXX which will prevent this from happening. They said it would be available to my XXXX account last week so I can prevent future deferrals without my permission. I had to call about it and write to them multiple times since XX/XX/XXXX and I have still not received the form. On the latest call, they said that someone had made a mistake and asked me what my favorite color was to distract me. They eventually told me that in 24 -48 hours, after three weeks of calling, that my form would then be available. So I am still waiting. Meanwhile, my interest is higher and I am out of the direct debit option to reduce my payments. 

Lastly, I was not informed of this " form '' until the 4th time this automatic deferral has happened. 

I see this as a way XXXX XXXX can collect more money from borrowers unlawfully. 

2. A prior problem : I was on the Income Driven Repayment plan and the Public Service Loan Forgiveness Plan for the first two years of my repayment for my XXXX degree, and I can say the XXXX XXXX always took a very long time to process any paperwork, meaning my Income Driving Replayment plan status, etc., was not put in place when I requested it due to their lengthy processing time. 

I have since opted out of the Public Service Loan Forgiveness Plan due to the possibility of legislators getting rid of it, which would mean my payments would be even greater. My experience with this loan servicing provider has been terrible. I feel their negligence has cost me more money. 

Thank you for your time in reading my complaint. 

Kind regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX : - Bankruptcy XXXX  XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : XXXX XXXX XXXX  Balance : XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I do not have a contract with this collection agency.
Product: Debt collection

Portfolio recovery is attempting to illegally collect debt. They purchased years ago. They continue to reset debt from years ago, which is highly illegal. The statute of limitations for debt in XXXX  is XXXX years. The debt they state is owed has exceeded XXXX years. They need to stop contacting me and dismiss this debt that they are illegally attempting to collect. They are breaking the law in Texas and I will proceed with legal action if they do not dismiss this within a timely manner. They are negatively impacting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO:
FCRA 15 USC -
1681b(a)(2)
1681d(a)(1)(A)(B)
1681e(a)(b)(c)(e)
FDCPA 15 USC-
1692e(a)(b)

ACCOUNT#XXXX***
Product: Credit card

I missed 3 monthly payments on my bank of america credit card. Just negligence on my part, i was switching checking accounts, and just did n't update my payment information, etc. 
Anyway, bank of america canceled my credit card account because of it, without notifying me, and in the process deleted XXXX rewards points ( cash value of USD {$1500.00} ) I had spent XXXX dollars a year on this credit card every year since 2005. 
I had an outstanding balance of XXXX dollars when this happened, and I paid it off down to XXXX after they closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a freeze on my credit and am still getting notifications of my credit being pulled for different companies and offers. I have tried to get inaccurate information removed to no avail. I have tried to get all inaccurate data removed from the bureaus such as negative items and all previous debt that has been paid.
Product: Credit reporting or other personal consumer reports

Information listed in the credit report is inaccurate accounts that are open and being paid on time are listed as delinquent. Accounts with balance are XXXX. Several discrepancies need help updating with the correct information.