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

Report # XXXX I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify my accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, Under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information that can not be verified, that I have disputed, Please resolve this matter as soon as possible. 

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

XXXX is in violation of my Hippa rights reporting medical debt these accounts are also from collection company that I have no contract with.
Product: Consumer Loan

I received a letter in the mail from BIG PICTURE LOANS XXXX XXXX, XXXX, Mi. XXXX a pre-approval for up to XXXX I filled the information out and received a text message approval for XXXX and to call XXXX to receive money. I was talking to an agent from this company and she stated the interest rate would be 644.57 % I immediately stated absolutely not! I then stated I do not want this loan! Please do not move forward with this loan and I am rejecting this loan. I was informed the process had not been fully completed and would receive information that the loan was not completed, but I have not received any of this documentation. I then decided to do some research and found out about this scam.
Product: Student loan

After I cancelled my loan Navient sent another XXXX XXXX dollars to XXXX XXXX XXXX XXXX XXXX XXXX XXXX They will not remove this from my loan even though it was their error. I never attended this school.
Product: Debt collection

In attempts to get the deferral with my current loan figured out every time I called in to communicate with help in regards to my loan they would say if I didnt make a payment they would impact my credit. I did not make the mistake of doing the deferral wrong, I had one representative tell me that I was good till XXXX and the other representatives told me that I did not have a deferral for XXXX and that I had a past due that was going to impact my credit if I did not pay after I told them my financial circumstance. Also after I have been given false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 joint mortgage account with XXXX XXXX  was removed from my credit report due to issues with the loan reporting twice. Once as XXXX / XXXX and once as XXXX XXXX. The duplicate loan negatively affected my credit history due to increasing my debt to income ratio. Showing I was paying two loans on time instead of one. Upon contacting XXXX XXXX from the legal department XXXX XXXX, attached is a letter stating " XXXX has no control over the credit reporting bureaus and when they will update the borrower 's information. It can only note that the credit reporting bureaus commonly takes sixty ( 60 ) to ninety ( 90 ) days to update credit reporting, and that XXXX has, in fact, acted dilligently to clarify the borrower 's credit reporting, and has previously explained the time elements of that process. '' Please note that after numerous attempts to have this issue resolved, with the credit bureaus and XXXX, the time frame of 90 days has expired since this issue was first addressed in XX/XX/2019. Your response is misleading, and your business practices are unethical by nature. Attached is also my payment history and dispute of missing account information from the credit bureau. I would like proof this information was submitted in a timely manner. The removal of this loan from my credit report has negatively impacted my credit worthiness by over 30 points.
Product: Debt collection

RA Rogers reported a collection on XXXX credit report without following Fair Debt Collection Act.
Product: Checking or savings account

XX/XX/23 unauthroized withdraw of {$500.00} XX/XX/23 unauthroized withdraw of {$140.00} Bank name is Regions Bank and I am using the employee debit card and app called XXXX XXXX.
Product: Mortgage

In  XXXX , we refinanced our loan from  XXXX   XXXX  to  XXXX   XXXX , who went under. In  XXXX   XXXX  changed it 's name to  XXXX  and in  XXXX  it transferred servicing to  XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX   XXXX   XXXX  filed an unlawful detainer summons and complaint in  XX/XX/XXXX  and again o n  XX/XX/XXXX   .  XXXX    XXXX   transferred  servicing to American  Home Mortgage on   XXXX   but yet all the paper work that was filed in  XXXX   County Superior Court  was  done by   XXXX  &  XXXX   .  In  XXXX ,  XXXX  sent us a  XXXX  -abandoment, which  was not filed with the I.R.S. The parties above were represented by  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , which they made no appearance in court, they sent a  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX , who worked for  XXXX   XXXX   XXXX , real estate realtor, who  American Home M ortgage hired to evict us from our home with no documentation, which we know for a fact because we met with  XXXX   & American  at a Hope seminar at which time they had nothing pertaining to our loan & this was done  thru HUD.  XXXX   Dept of  Real Estate took  XXXX   XXXX  license for selling our property & dividing the money among them self 's. We have been trying to get help in  XXXX  County. We are asking for t he State & Federal to  oversee  XXXX  County as to why no help to consumer 's who lost their home thru wrongful foreclosure. We were escorted out of home by  XXXX   Sheriff Civil Unit without  a Writ issued by the court. This is our second complaint.
Product: Credit card

SPRING OAKS CAPITAL LLC a XXXX buyer bought a debt under my name from XXXX XXXX XXXX XXXX XXXX ( XXXX ). I contested the debt and was advised that XXXX had not guaranteed the validity of the debt they sold to SPRING OAKS.

I informed SPRING OAKS on several occasions beginning at least on XX/XX/2021 that I was contesting the debt and asked them for a copy of the PURCHASE agreement under which they allegedly purchased the debt under my name. They have a law firm - XXXX XXXX based in Ohio, that they have retained to collect on the debt. I contested the debt 's validity and requested a copy of the agreement from the law firm as well. They have REFUSED to give me a copy of the PURCHASE agreement and have now filed a case against me. I also want to emphasize that sending me a copy of the XXXX OF SALE will not suffice as the XXXX non-validation of debt clause is according to information given to me, contained in the PURCHASE agreement. 

The address of the XXXX buyer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Dispute of Incorrect Address on Credit Report Dear Transunion, I am writing to formally dispute the incorrect address listed on my credit report. Upon reviewing my report, I noticed that the following addresses are inaccurately associated with my credit file. This information is incorrect, and I request that it be removed or corrected immediately. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MI XXXX Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate information. Please investigate this matter and update my credit file accordingly. 

I appreciate your prompt attention to this request. Please confirm the correction in writing within XXXX  days. If further information is required, feel free to contact me at the details provided above. 

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

Every month I have disputed these accounts to no avail. I have not received any correspondence requesting my written consent. 

In accordance with the Fair Credit Reporting Act, the following companies : XXXX XXXX XXXX, account # XXXX, XXXX Acct # XXXX, XXXX XXXX OF XXXX XXXX accounts, and XXXX XXXX acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. State I have the right to privacy.

15. U.S.C 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without my written consent.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other upcoming deposits. Capital One has cited technical issue, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$580.00} XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX RE : Violations of Federally protected consumer rights In accordance with the Fair Credit Reporting Act. This List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX. Name : XXXX XXXXXXXX Account : XXXX  Date Opened : Balance : {$0.00} INCORRECT DATA REPORTED ON CREDIT REPORT. 
XXXX. NAME : XXXX XXXX  BANK OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX INCORRECT DATA REPORTED ON CREDIT REPORT 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 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN 7 YEARS.

15 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.

I WILL BE SUBMITTING A COMPLAINT TO : Consumer Financial Protection Bureau and Federal Trade Commission due to failure to comply with Protected Acts : 15 U.S.C. 1681s-2 ( A ) ( 1 ) PLEASE DELETE THESE ACCOUNTS AS SOON AS POSSIBLE
Product: Debt collection

I received a call from Southwest Credit Systems at XXXX XXXX, XXXX. The representative I spoke with did ID the company. The representative also provided the last 4 numbers of my Social Security Number and a mailing address of mine. No info was verified at that time. I advised the representative that this is a violation of FDCPA. I termed the call. Redialed the company at XXXX - asked the 2nd rep that the call be recorded - attempted to advise rep of the incident of the initial call, rep cut me off to verify info that I refused to provide due to initial incident, advised rep that I would like to finish what I was saying and rep continued to cut me off. I would like to submit a FDCPA violation on Southwest Credit Systems with the FTC/CFPB as the company provided sensitive information such as my social security number. This is information that I am to provide during a verification process -
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, I sent a letter to XXXX XXXX  opting out of two account reporting. They have not responded or complied.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am experiencing significant negative impacts on my credit score and financial stability due to numerous inaccuracies on my credit reports provided by Equifax, XXXX, and XXXX. These inaccuracies include discrepancies in account numbers, dates of activity, high credit limits, and account statuses for multiple accounts. Despite my attempts to dispute these inaccuracies directly with the credit reporting agencies, the erroneous information remains on my credit reports. 
Specifically, the disputed accounts and issues are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Discrepancies : High credit, credit limit, date of last activity, account numbers. 
- Details Requested : ** Correction of high credit values and confirmation of the date last active. 

Additional discrepancies include the dates of account openings and closings, reported balances, and payment histories. These inaccuracies are adversely affecting my credit score and financial standing.
Product: Checking or savings account

On XX/XX/XXXX, I went to the PNC bank in XXXX XXXX, XXXX XXXX XXXX at night. I went to deposit XXXX dollars in the ATM machine, the machine swallowed the money and only returned XXXX, leaving XXXX inside the machine. I called and they told me that because it was so late they couldn't do anything. I returned the next day in the morning to make the complaint and they told me that they were going to check the cameras but that it took a long time and in the meantime they would give me credit but if they saw that it was not true I had to pay the XXXX like to the 2 days later I received a credit for {$200.00}, I used it etcI thought everything was already solved. On XX/XX/XXXX, I realized that my account was at XXXX. I went to the bank and they told me that after checking the cameras they had realized that it was not true, to which I said that it couldn't be. They told me that I should decoction the XXXX and that's how it was. I called ATM customer service and the service was very bad, they hung up on me, they told me that they had checked the machine and there was nothing. So I got very angry and they told me that they could open the case again and that the investigation team was going to call me and ask me many things like the color of the car I was in, etc... to this day I'm still waiting and the only thing What the bank says is that it has nothing to do with them!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to show that I have a delinquent account. I have tried working with them through the XXXX, but they have not changed the information. I submitted a letter from the collection agency stating they were removing the information, because it could not be verified. They said it could take up to 60 days for equifax to remove this information. As of today this information is still showing on my credit report. I have been denied credit due to this inaccurate information. I also had two of my credit lines reduced based on this information. Here 's is the statement from the collection agency. 

We have attempted to contact the creditor to verify the balance and they have not responded. Therefore we are marking the accounts to be removed. This will go on our file this Friday, XX/XX/XXXX, but the credit bureaus may take up to 60 days to complete as we do not have any control over their process.
Product: Mortgage

Chase mortgage has committed multiple infractions of law while servicing my mortgage recently to include UDAAP violations, FCRA violations, violated bankruptcy laws, and FDCPA violations. Chase has re-analyzed my escrow account 3 times in XX/XX/XXXX which caused a 30 % increase in my payment in a 6 month period and did not provide at least XXXX notice of the payment change. The explanation given to me initially was that RESPA required Chase to perform the new analysis whenever the disbursed funds from my escrow account. It seems that Chase re-analyzes accounts whenever they disburse funds greater than projected to protect there pocketbook rather than consider the negative impact on the customer by constantly changing their payment with insufficient notice. Chase also reported my mortgage ( XXXX in Chapter XXXX bankruptcy in XX/XX/XXXX ) to the credit bureaus as an open personal obligation and has gone as far as to verbally confirm that same information to a credit company obtaining information in connection with financing I am trying to secure as well as stated directly to me that I owed a monthly payment on the loan. I have been harmed by these actions by being charged a higher interest rate and fees on a refinance I am trying to secure to escape the abusive practices of Chase which very easily could result in multiple class action lawsuits.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I were involved in a personal Chapter  XXXX  bankruptcy. The case ran from  XXXX  to  XXXX . On  XXXX   XXXX ,  XXXX , the case was successfully closed.   I sent a copy of the order closing the case from the  US Bankruptcy court to all of the credit bureaus.. XXXX ,  XXXX , Equifax and asked them to show the case as closed / discharged.      I worked with credit repair service and we got many of the individual records corrected.   I have worked diligently to improve my credit and my credit scores from all three bureaus show the improvement.     However they still show me as being involved in an open/active bankryptcy, and this is incorrect ... the was successfully closed, I am no longer in bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts that are listed on my credit report are fraudulent. I have tried to correct this issue multiple times with no success with the credit bureau. Collection account, XXXX XXXX XXXX, $XXXX, opened onXX/XX/2019.  Contact Information is XXXX XXXX XXXX XXXX MS  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF ED XXXX 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 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 informationisinaccurate.
Product: Credit reporting

XXXX XXXX shows as a collection against me but I 've never opened nor had a XXXX account.
Product: Vehicle loan or lease

I was informed by Credit Acceptance of a late payment being 30 days late, now past 60. I payed off my loan last month. They neglected to tell me, that a payment was returned in XXXX of 2015, until now. They now reported it to the credit bureaus with out ever letting me know, or giving me a chance to fix it. I called them to clear it up, but they wo n't take it off my credit report, nor help me in anyway. I also never missed any other payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. I have made a report to FTC and will attach it with my docmuments so that the three major credit bureaus will remove the fradulent accounts from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute XXXX XXXX Again I disputed this item XXXX XXXX XXXX said they reinvestigated and everything came back factual I submitted another dispute proving there was an accurate information sent a picture with my address I actually live at and I typed in my exact address XXXX XXXX XXXX then they said they would change it all they did was change one number and the address and it still shows up as XXXX XXXX XXXX XXXX Tennessee and they sent it back so now I'm disputing again which after the last time they've already made a violation against my rights for not doing the reinvestigation they said or they would have caught that my address was wrong then they said they would fix it and then put a different number so now I would like this removed no one has held them accountable for their violations I would also ask for their {$1000.00} fine as this has been holding me back from getting to my business that has been costing my family extra money and after months and months of trying to fix this I really hope someone can get this removed and protected the consumer rights like I was told was such a priority
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  this account 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 a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I answer call to keep them from annoying other references collected info they want to give me and date to pay. XXXX is in hospital and Ive told them Im making arrangements. Someone has called 5 times since then and say they can sue. Wont change situation but they are now blocked from texting bc they are abusing it
Product: Credit card or prepaid card

I'm not persuaded that you have accordingly fulfilled the principles of the Fair Credit Reporting Act in performing your examination. My research has shown me that below Section 1681 ( g ) it is essential to generate me along with an explanation in the process designed to authenticate that this account is at collections and write me the name and addresses of persons contacted per rules found in the FCRA.