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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claims the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXXXXXX 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

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. 

XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, and XXXX XXXX acct # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I was trying to understand what fees I would pay with my AmEx Blue Preferred Cash Back card if I used their new Plan It feature. I contacted them via their support messaging feature on their XXXX App, asking how much in fees I would pay if I used their Plan It feature for a {$390.00} purchase. I was told there was no way to know how much I would pay in fees if I used the feature until after I made the purchase. I asked what mathematical formula and criteria they used to decide how much a cardholder would pay in fees if they used the Plan It feature. I was given a vague description with only some of the criteria listed, including " creditworthiness, the purchase amount, and ( my ) Account history. '' They also said the " System check ( s ) real-time balance at that date, account history, charge selected for plan and offers the duration. '' I then proceeded to ask again for the mathematical breakdown of how they decide what my fees should be using the new feature and was told to call their XXXX. 

I called the number and spoke with two different representatives. The second one talked me through downloading the service agreement associated with the card. The service agreement does not cover the entirety of the criteria, and how it is used to decide what fees are associated with a purchase if the cardholder was to use their Plan It feature. The second associate that guided me through downloading the service agreement told me multiple times that the document did say the exact criteria and mathematical formula they use to assign Plan It fees. At one point, I had to start reading the service agreement out loud so she could understand the difference between what I was asking for and what the document described. Afterward, she put me on hold for a while and came back saying that I could make a formal request by sending a letter to their XXXX XXXX in Texas. Multiple times, I asked for an email contact and was told she could only give me the XXXX XXXX XXXX She was lovely and very apologetic about the situation, but she was not going to point me in the direction of someone who could answer this question about fees. 

I've included my card 's service agreement. I can also send over a screen recording of my conversation with their support staff via their XXXX App.
Product: Debt collection

Letter was sent to the credit bureaus and the collection agency on XX/XX/2021 asking to verify the debt ... Letter sent on XX/XX/2021 to the credit bureaus and collection agency asking to verify the debt. Letter sent on XX/XX/2021 to the collection company asking to Cease and Desist. After this I notice the collection agency and bureaus report that all was verified and updated, but I have not received any documents or statements showing me how or why this is verified or how this is my debt. I have not received any correspondence showing me this is my debt or how this debt was verified from neither party, but yet, my credit reports were updated with information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CAPITAL ONE BANK USA N, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CAPITAL ONE BANK USA N and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX  and CAPITAL ONE BANK USA N with no successful resolution.XXXX  reporting me having late payments. There was an error on their part. I was never late.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX.
Product: Debt collection

In XX/XX/XXXX, I signed an agreement to pay an attorney 's office ( XXXX, XXXX, XXXX and XXXX ) for the amount owed to the original creditor XXXX XXXX XXXX XXXX XXXX XXXX, {$100.00} each month, due on the XXXX of each month. I have made satisfactory payments and am in good standing with this company. However, several months ago I noticed another company, Transworld Systems , Inc., was reporting this debt in collections. I have never received any communication from this company, including voice calls or written notification via email or mail, that I had outstanding debt with this company. When I tried to contact this company in the past ( the most recent phone call was XX/XX/XXXX ), the person I spoke with at Transworld stated he could not locate an account under my name or social security number. When I explained the situation he stated he was not sure how to help me. I asked him to please transfer me to a manager. He transferred me to a woman who was not a manager and again, was unsure how to help me. She placed me on hold several times before transferring me to the attorney 's office ( XXXX, XXXX, XXXX and XXXX ) without my knowledge. I had no idea I was speaking with their office. The attorney was not able to help me as they state they do not report to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

My most recent request to Experian and the other bureaus on XX/XX/2020 is being ignored. I had specific questions about the accuracy of the items on my credit report and I am not getting an adequate response. I spoke with a representative at XXXX  on XX/XX/2020 and they stated they received my letter but they want me to open a new dispute. I dont want to open a new dispute. I am asking for the specific questions I asked in my letter on XX/XX/2020 be investigated properly. This situation is causing me distress and affecting my ability to get credit.
Product: Debt collection

About three years ago I was going to switch to open a XXXX XXXX account for my business. This was all done over the phone with XXXX XXXX. We agreed on a package and they were going to send me phones so I can activate the account. Before that I received an email to make a payment to activate the account and it wasnt what we spoke about so I cancelled it never activated the phone and sent it all back. Now three years later this came up on my XXXX credit report. I am being billed for {$840.00} from XXXX XXXX A collections is on my credit report. I disputed it twice and I am being told it is accurate. I also called the collection agency and they were not helpful at all. Just said to dispute it on my credit report. Please assist on this
Product: Consumer Loan

Acura Financial Services sends me bills with little time before due date every month, just today XXXX/XXXX/2015 I received a bill which due date is XXXX XXXX, 2015 ; the are not complying with all financial institutions regulations to provide bills with XXXX weeks prior to due date.
Product: Debt collection

We ( XXXX XXXX & XXXX XXXX ) are frequently receiving email and text messages from COLUMBIA DEBT RECOVERY LLC DBA GENESIS, XXXX XXXX XXXX XXXX, XXXX XXXX that we have some past due balance {$210.00} and the original creditor is XXXX XXXX XXXX XXXX  which is placed for collection on XX/XX/XXXX latest. 
# XXXX. We have been in XXXX XXXX XXXX XXXX XXXX XXXX XXXX for over XXXX years as a tenant from XXXX XXXX XXXX When we formally left we paid all of our dues except 2 months of water bill that was pending. We didn't receive any breakdown of exactly what is this bill for. And it is quite impossible that 2 months water bill {$210.00}!!!! 
The water bill should not be more than {$120.00} or {$140.00} for 2 months for XXXX one-bedroom apartment and XXXX numbers of households. 
# XXXX. However, we deposited a Security Deposit of {$300.00} in XX/XX/XXXX before leasing our apartment at XXXX XXXX XXXX XXXX, XXXX, TX XXXX and any security deposit is refundable. 
The XXXX XXXX should be calculated from the Existing XXXX. We called to XXXX XXXX XXXX office, and they referred us to XXXX, and finally, XXXX referred us to GENESIS. We didn't get any satisfactory answer about my utility bill not even about the security deposit from any of them. Nobody knows what the XXXX bill is for or about security deposit. 
Though we spoke with XXXX XXXX ( COLUMBIA DEBT RECOVERY LLC DBA GENESIS, XXXX XXXX XXXX XXXX XXXX XXXX ) yesterday regarding the above-mentioned issues to figure out. But very unfortunately he emailed again the same email with the same amount due without figuring out the any issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX  this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX, XXXX XXXX BANK, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Federal Student Loan Balance under {$4000.00}. I submitted applications for federal student loan forgiveness as well as, public service student loan forgiveness. While the Biden Administration works out those details, student loan payments and interest have been paused. Navient has harassed me with phone calls and reported my account 90 days delinquent to the credit bureaus. This has dropped my credit score over XXXX points. I am in the middle of a home repair. This fraudulent behavior is costing me and my family money.
Product: Mortgage

On XX/XX/XXXX, we refinanced for {$45000.00} for a term of 20 years. The total amount of {$45000.00} was transferred from XXXX to XXXX XXXX XXXX in XX/XX/XXXX for this full amount when it should have been satisfied on XX/XX/XXXX. Since XXXX and now, I have dealt with two other the mortgage companies which are XXXX XXXX and currently Fay Servicing. 

In XX/XX/XXXX, I received an Annual Escrow Account Disclosure Statement dated XX/XX/XXXX from Fay Servicing, stating that my mortgage was changing from {$480.00} to {$880.00} beginning XX/XX/XXXX. I called Fay Servicing about the letter, and they explained that my mortgage matured on XX/XX/XXXX, they also stated that I had to pay the remaining balance of approximately {$32000.00}. In XX/XX/XXXX, my automatic monthly payment was not deducted from my bank account, so I mailed in a money order. A week later I received a letter from Fay Servicing along with a personal that belonged to another client by the name of XXXX XXXX. I contacted Fay Servicing to let them know I received someone elses check. A week after that I received a letter with my money order enclosed. I called Fay Servicing, and I was told that my mortgage was going into foreclosure because I did not pay the remaining balance of approximately {$32000.00}. I was also told that the mortgage payments for XXXX and XX/XX/XXXX were put into an expense account. In XX/XX/XXXX, I requested copies of my Disclosure Statement Note and Security Agreement as well as my payment history. They sent me an XXXX to Note for another client by the name of XXXX XXXX XXXX XXXX. I called again and they sent me a Disclosure Statement Note and Security Agreement from a second mortgage I took out on XX/XX/XXXX with XXXX XXXX XXXX and a payment history from when Fay Servicing acquired the loan in XX/XX/XXXX. In XX/XX/XXXX, I applied for a loan modification. I received a letter dated XX/XX/XXXX stating that I was not hardship, you do not qualify for any available loss mitigation options. 

My daughter ordered a copy of our title report, and it showed that the loan was assigned to several mortgage companies after it was to be satisfied on XX/XX/XXXX. Also, XXXX obtained the loan on XX/XX/XXXX and in XXXX the Consumer Financial Protection Bureau ordered them to pay {$28.00} XXXX for giving borrowers the runaround when trying to save their homes. Ironically, none of these mortgagors from XXXX until today has been reported on my credit report. My daughter is handling everything for me and she discovered all of the information about some of the lenders that my loan was assigned. My sister has also been victimized by some of these lenders as well. Me and my husband are elderly and thought we were just paying on our loan and then my daughter discovered all of this when I received the escrow letter from Fay Servicing.
Product: Debt collection

They have sued me in Washington Superior Court with out notifying me first of who the Original Creditor was. I am disputing the validity of this debt and request that all activity cease and desist. They never represented themselves to me. And they also have a class action lawsuit against them and I believe I am a part of this lawsuit because this loan was in XXXX and they are trying to collect on something that is not owed to them. They are violating 15 U.S. Code 1692f - Unfair practices Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) They have no legal right to collect on this debt since it was purchased between them and the creditor. I did not engage with this firm nor did I sign a contract to do business with this firm. They are not representing themselves truthfully and are extremely deceptive in their business practices.
Product: Debt collection

I was recently surprised to learn that Radius Global Solutions reported a {$61.00} medcial bill on my credit report. Prior to reporting this debt on my credit file, I did not receive my 30-day notice to dispute. Failure to produce this notice is a violation of my rights under federal collection law.
Product: Checking or savings account

I live in XXXX and XXXX. The furthest XXXX I have ever been is XXXX. Which still isn't close to XXXX. It says the transactions were made at a XXXX ATM. There is no way this could have been authorized by me. I have my card on me 24/7 but I was told that a card was present. I recieved a false phone call with someone claiming to be Wells Fargo. I feel this is true because as soon as I got off that phone call, I recieved 400+ spam emails. Somebody must have gotten my information, made a fake card. Then used it to remove money from an ATM. I have anything and everything to prove that this was fraudulent. Case number : XXXX {$690.00} was taken from ATM
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX