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

to whom this may concern, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681c ( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting ( 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.
Product: Credit reporting or other personal consumer reports

First of all, this investigation with Equifax for XXXX XXXX XXXX has been going on for more than 30 days and Equifax is still investigating this fraudulent account on my credit report. By law, Equifax is required to delete and remove this fraudulent account immediately. My rights have been violated by Equifax. I started this investigation on XXXX Confirmation number : XXXX and it is still under investigation through Equifax. Why is this fraudulent account still on my credit report? Please delete and remove immediately. I have included a copy of my police report supporting that this account is fraudulent. Please delete and remove immediately. 

XXXX. XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/2021 BALANCE : {$55000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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: Debt collection

In XXXX, XXXX, and XX/XX/XXXX  I contacted AAMS XXXX by certified mail USPS and have not received any proof of this debt, from a hospital located somewhere in Iowa or Wisconsin based on my research. 

I have not visited, resided, or have any ties to XXXX XXXX XXXX. This has negatively impacted my credit bureau ratings. They are threatening that I owe {$3400.00} immediately with no explanation given! 

My insurance is through XXXXMEDICAID State of Arizona, which suggested I file a complaint with the CFPB after I had made every attempt to contact this debt collection company with no resolution. 

I need help from CFBP with this.
Product: Credit reporting or other personal consumer reports

I have tried to apply to refinance my existing car loan. I have been declined for credit due to an excessive DTI ratio. I was declined for credit all together or given less favorable and affordable options. The reason for the excessive DTI ratio is due to the error of M & T Bank. My conventional mortgage was originally issued as a joint mortgage with my spouse. It is currently listed with only myself as the borrower. This removal of my spouse has created a problem for me based upon what is being reported to the credit bureaus. I would like to be able to follow through with being able to receive credit without being discriminated against due to an error in reporting from the existing mortgage lender, M & T Bank. My inability to refinance my car is now causing an issue for me to not be able to get a good rate and lower payment. This has caused a financial hardship for me.
Product: Debt collection

On XX/XX/2022 global payments sent notice that they were reversing a previous decision to refund my money, and took the money back, XXXX out of my checking account. previously we had messed up a repair on a customers vehicle, that customer took his vehicle to the dealer had it repaired at the cost of XXXX so global payments went ahead and took XXXX out of my checking account. after numerous attempts to fix this called global payments one last time, no one will call back, after sending me on a goose chase with XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Equifax and XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for a grain account. The app crashed and wouldnt allow my payment to process. Tech support abandoned the support and stopped aiding me in fixing the app. The account was charged off XX/XX/XXXX. 

However, grain has reported this charge off inaccurately on my credit report deliberately harming my credit score. Experian and XXXX has conspired to allow this error to harm my credit score.

The account was suppose to be charged off XX/XX/XXXX. However, they have consistently updated my credit report as an open account. Then charged it off XX/XX/XXXX. This was a clear violation. 

XXXX XXXX violated the following laws. 

FCRA 602 ( a ) ( 1 ) ; Internal Revenue Code 166 FCRA 605 ( a ) ( 4 ) & 605 ( C ) These laws in combine states that a company can not furnish inaccurate information. They must ensure that they are in financial compliance and furthermore, charge an account ( revolving ) in 180 days and must not use any deception to harm a consumer.
Product: Credit reporting

all late payments and inquiry and other negative info on my report and filled complaintwith all XXXX credit bureau and never got any response in timely manner
Product: Credit reporting or other personal consumer reports

I have discovered this Company XXXX XXXX XXXX have been involved in fraudulent practices. Not only is XXXX XXXX XXXX involved in fraud but they are reporting incomplete and inaccurate information on my consumer report this is a violation of the fcra. This have damaged my credit report immediately be rejected from getting loans and getting transportation for my family.
Product: Checking or savings account

On XX/XX/XXXX I filled a dispute with current bank to tell them that my card and phone was stolen and other items and my card was used without my permission I stated in the dispute that I was in the XXXX  from XX/XX/XXXX till XX/XX/year> and all the transactions were fraudulent but I had to send them every single receipt because they don't want to do there job and maybe I missed a few but I stated in my ftc report police Affidavit which was notarized and a XXXX  release form but my dispute was denied and the violated XXXX XXXX and XXXX XXXX because none of my disputes where investigated all transactions between those dates are fraudulent I changed my number on the account so I could use my account because I had money send there please reinvesting my claim and reopen my disputes
Product: Credit card or prepaid card

I paid my credit card balance of {$16.00} balance with Bank of America by the due date. However after i was charged a {$1.00}. With no explanation as to why i was charged this by the bank. I paid the full balance by the due date. According to FCRA the law states interest shall be imposed on the remaining balance after the due date.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, OH XXXX XXXX XXXX Social Security Number : XXXX TransUnion XXXX XXXX 2000, XXXX XXXX PA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX Subject : Request for Removal of Unauthorized I identity theft Late Payment Account Dear, Transunion, XXXX XXXX XXXX I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several open accountsthat I did not authorize, and these are negatively impacting my XXXX XXXX. 

The unauthorized Identity theft late payment accountare as follows : Please Remove Fraudulent Account immediately : XXXX XXXX XXXX credit card Account number : XXXX Date reported XXXX Under the Fair Credit Reporting Act ( FCRA ), ' have the right to dispute any information that I believe is inaccurate. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and a copy of my credit report with the inquiries highlighted. 

I have a FTC REPORT Submitted to the CFPB Please investigate these inquiries and remove them from my credit report as soon as possible. I would appreciate a confirmation once the removal is completed or any further steps I need to take to resolve this matter. 
Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Product: Debt collection

Paypal is telling me that I have a debt of {$32.00}. They never sent me any emails about this. They simply said that they sent an email that my bank account was not going through. I never received a single noticed that I had a debt. I thought that I updated my account. I called in today. They said they sent it to a debt collection agency. I never received notice from paypal that I had a debt in the first place. No way I could have paid a debt I didn't know I had.
Product: Debt collection

I called arstrat phone # XXXX because I got a bill from them in my name as the responsible party for another person. I have no children. They advised I had to pay it because was my insurance I advised party involved is not a minor and is an adult the amount owed would be collected from responsible parties being the persons name, not I. The stated that I would have to pay because they have me listed as so. I explained again I am not responsible for that other parties debt. They advised that I go and get the monies from them to pay the bill. This is not my job and I am not going to do that I do not want this company sending me any more letters or calling my phone. I am not the responsible party!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, I received a letter confirming my credit freeze after the security breaches that occurred during that time. I have tried to unfreeze my account via their website and they are assuming or claiming that the same information that was provided to them almost three years ago is incorrect and I have to send them " identity information. '' I engaged in the same process with XXXX and XXXX and was able to successfully lift my credit freeze for both institutions in less than 10 minutes. When I tried calling the number to speak to a representative, all I received was a robot that either ( 1 ) gave me no option to speak to a representative ; or ( 2 ) simply hung up on me. 

Now, due to this freeze, I am unable to consolidate my student loans via a private service provider and in a perilous position due to negligence. Since the information provided in XX/XX/2017 is still valid, why do I, the customer, have the burden to prove my identity since they already have all that information on record? Furthermore, why is Experian the only of the three credit bureaus that is unable to complete this task? Even if i proceeded with said lengthy process that is imposed on me, I would probably have to default on my loans since the freeze is the only obstacle between my loan consolidation ( and default ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting an account that I have with XXXX XXXX. I never signed a contract authorizing XXXX XXXX to report this account to my credit report. Neither XXXX XXXX or Transunion has the authorization to report this account to my credit report and until a signed contract is provided.
Product: Credit card

I canceled my account, they sent me proof, but now are sending me bills. The account is effectively still open. They have never once helped me with any problems most of those they have caused directly. This is after they failed to honor the return protection, and failed to report positively to the credit bureau even after a complaint to CFPB. They no longer should be getting any patience they should be getting sued. XXXX XXXX should not be trusted with the time of day or a stick you find in the woods, they're looking to hurt someone with those things.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX , XXXX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being ignored of my disputes. Section 611 ( a ) it is a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802. 

Per the Privacy Act of 1974 as a federally protected consumer, it is my right to privacy. 

Stating the consumer owes a debt that the financial institution agreed to discharge is a violation of oath by the trustee and their fiduciary duties. 

Per the XXXX XXXX XXXX of 1974 educational institutions are not allowed to share our information. My student loan information is private. 

I have been denied credit and been humiliated for years due to my nonpublic financial information being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XX/XX/2020
Product: Credit card or prepaid card

-On XX/XX/XXXX ( XXXX XXXX Evening ) I made two payments to XXXX XXXX amount to {$310.00} and {$94.00} from my TD Bank XXXX Credit Card for a canopy bed ( brand : XXXX XXXX ) at their outlet. - Despite several reminders they did not deliver the goods on stipulated time. - XX/XX/XXXX ( evening ) they delivered the bed broken with a promise to fix it next day. - They refused answering my calls and on XX/XX/XXXX I filed a dispute with my credit card company- TD Bank . - Before dispute and after filing dispute I had informed XXXX XXXX to remove the damaged bed from my home as it can be hazardous and can cause an accident in case of malfunction. And that I am no longer interested in it. They refused to even acknowledge or respond to my concern. - On XX/XX/XXXX my transaction my dispute ( case number : XXXX ) was resolved and TD Bank reversed my transaction. - While on XX/XX/XXXX without my consent and informing me- the same transaction was reversed in favor of the merchant- without my knowledge. - On XX/XX/XXXX I immediately took the notice and called the dispute department. - I was told that since the furniture was still with me, and there was clause on the receipt ( that I had originally provided ) that says if I did not inform the merchant- the furniture will not be returned. - After I was asked for a rebuttal I faxed all the evidence of the calls I made within the clauses mentioned on the receipt. - Also I provided the necessary detail that it was not a portable merchandise as it require experts to dismantle and transport it back to XXXX XXXX XXXX. - Additionally I also agreed to pay for the re-transportation back to XXXX XXXX. - Finally I also asked TD Bank to provide me the supporting documents that XXXX XXXX had given them to justify my negligence of fault in the dispute. - TD Bank dispute assured me that I will get all the documents and supporting papers within a week. - After 15 days I called TD dispute department again and I was told that the documents will be sent. - Throughout XXXX and now towards the end of XXXX- I still haven't received these documents. - I also contacted online secured servers messages but to no avail. - Hereby I conclude that TD Bank has violated my consumer rights but misusing my credit line by providing undue favor to the merchant- XXXX XXXX XXXX. I entrusted my credit with this Bank through XXXX but as a matter of formality they did reverse my transaction only to pay it back to Merchant. - There was no additional evidence given by the Merchant except from what I had submitted, furthermore TD Bank failed in providing me the documents that the merchant had submitted- despite repeated reminders. Primarily, because they didn't want me to get in possession of this mishandling as I had informed them of my reporting to CFPB in case they abuse my credit line.
Product: Debt collection

This company for which I paid off XX/XX/XXXX is reporting as of XX/XX/XXXX that I owe the amount of XXXX. They should not still be reporting this since this account was paid and the amount should be XXXX. 

STANISCCONTR COLLECTION/CHARGEOFF Other {$730.00} Lender Info XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Student loan

My student loans are serviced through XXXX XXXX. I needed to recalculate my Income Based Repayment amount because I changed jobs, and I now make significantly less than I was making before. I applied online to have my payments recalculated on XX/XX/2018. I needed to mail a copy of my paystub as supporting documentation, which I mailed on XX/XX/2018. I called XXXX XXXX on XX/XX/2018 to inquire about the status of my request, and I spoke with XXXX ( employee id XXXX ). He informed me that my application was considered complete on XX/XX/XXXX because XXXX XXXX received my supporting documentation. However, on XX/XX/XXXX XXXX  XXXX  issued my bill for XXXX, which is due on XX/XX/XXXX and is for the higher amount based on my previous salary. I asked him why that bill was issued even though my application was complete beforehand, but he responded that it takes 2 to 3 weeks to process the application. I then spoke with XXXX ( employee id XXXX ) and another employee named XXXX ( employee id XXXX ) who confirmed that it takes 7 to 10 business days to process an application to recalculate IBR payments, and bills are issued 20 days before they are due. Therefore, it is IMPOSSIBLE to apply for a recalculation in IBR payments without also entering into at least a one month forbearance, and likely two months will be needed. During this time, interest continues to accrue and is capitalized. In other words, XXXX  XXXX is extorting students with accrued interest as a penalty for its delays in processing an application for IBR. This can not be supported by the regulation. If any forbearance is needed for XXXX XXXX to process an application, the forbearance should be interest-free because the delay is due solely to XXXX  XXXX XXXX own inability to process applications in a timely manner.
Product: Debt collection

Prestige Financial S Account # : XXXX Date Opened : XX/XX/2016 No Knowledge of this account. 
I have sent several letters I have asked the company to provide me with copies of the original contract. 

This is the final follow up to resolve this matter. It has been over 30 days since I have heard a response to my 3 attempted letters that has been sent along with a online complaint commission. 

This account needs further investigation and Original Signed Contract needs to be provided as requested.