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

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to TransUnion, XXXX and XXXX. The CFPB complaint numbers were XXXX ( TransUnion ), XXXX ( XXXX ) and XXXX ( XXXX ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by TransUnion, XXXX or XXXX to resolve anything. I also know that there was data released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. TransUnion, XXXX and XXXX must be held accountable and to the standards clearly outlined in the FCRA.
Product: Debt collection

ACCOUNT WAS PAID OFF AND I WAS TOLD THAT IT WOULD BE DELETED! PLEASE HELP! - I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX   for code of ethics violations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection

I made some arrangements with the company before, they first made me numerous calls, they always said if I dont pay they will take legally actions, they told me what was about, but never send me the receipt or prove of my payments or the balance of the debt. I stopped working, I wasnt able to pay the debt, they started calling me, when I wanted to confirm the company of debt, this guy named XXXX XXXX talked to me very rude, he gets angry very quick and doesnt care about your situation, he asked me to shut up and let him talk. This is one of the voice mail that he left : Yep, my final call for XXXX XXXX XXXX XXXX was unfortunately chosen to ignore your obligations to my client XXXX XXXX. You broke the terms of your payment aquarium and you don't return phone calls you don't respond invoices. Full-time job babysitting you Obviously born XXXX XXXX you should need a babysitter this point this is your obligation you got a resolve for years ago Yeah, we know that So we're moving forward legally I'm done with this game XXXX XXXX hours once I don't hear back from you or your attorney by tomorrow the XXXX He is been calling with private numbers, sending emails and I had a report in my credit with this company
Product: Student loan

On XXXX XXXX I had a report that my loan increased over XXXX around the time that my loans were transferred from XXXX XXXX to Ed financial, I can not obtain prior history of transactions from XXXX XXXX as their website is no longer working, when loans resumed, Ed financial wasnt able to provide information of how much Iv paid towards principal and to interest. They also reported that I had capitalized on my loans, although I believe this to be an error, during Covid they should not have been charging interest and I continued paying on loans during this time anyways and I resumed payment on time. I have called XXXX time to Ed financial they have limited information and informed me today that it will take XXXX business days before I can receive payment history information. They also referred me to finaid and it just sent me back over to edfinacial. I feel that there must be an error on the amount transferred that I made target payment to principal and on specific loans, I have receipts of payments that were made to XXXX XXXX that Ed financial doesnt have record of. I have requested an appeal although I am getting nowhere and they are just sending me payment history which will take 40 business day which would be approximately 2 month, im concerned that this isnt readily accessible online and I can not see where money is being applied to loans specifically principals or interest.
Product: Money transfer, virtual currency, or money service

We are the victim of a compromised email, ( XXXX ) where our hacked account was used to request payment to an account at Truist bank on XX/XX/XXXX & XX/XX/XXXX Routing : XXXX Acct : XXXX Upon realizing the fraud, we contacted our bank, XXXX XXXX ( before noon on XX/XX/XXXX ) to try to have Our payment cancelled or returned. XXXX XXXX says it could not be stopped. 


I had contacted Truist bank by phone on XX/XX/XXXX and did not hear anything back.
Product: Credit reporting or other personal consumer reports

I am writing to challenge and request a correction of incorrect information on my credit report. After reviewing it, I found account that is inaccurately reporting late payments. I have contacted the companies associated with this account, and they confirmed the late payment was mistakes. I would like to convey to your attention that other credit bureaus have already corrected this account on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. They have agreed to update my account and remove the late payments. 

ACCOUNT : XXXX XXXX.
Product: Debt collection

My name is XXXX XXXX, a mother, XXXX of over fifteen years, and honest citizen. This is an URGENT Mississippi action where a company is trying to collect on a six year old alleged judgment that was never agreed to or filed in court. 

In XXXX XXXX, XXXX XXXX, XXXX attempted to collect on a credit card debt by suing me. The case was released. However, the company, or their lawyers, NEVER got the judge to sign a judgment, nor was a judgment ever filed in the court. I called the court for copies of the documents several times to see if I had a judgment ; there is still no filed judgment! Because the judgment was never filed, I did not make any payments to the XXXX. This company, then, fell under scrutiny and was sued by multiple persons - I was asked to join the suit, but declined. The company immediately fell under and was dismantled. As such, I definitely made no payments. 

On XXXX XXXX, XXXX, Singletary & Thrash contacted me and my job alleging I owed a balance and they were going to execute a garnishment. I researched the issue and verified that in Mississippi debts must be collected within three years. I had not been in contact with the company since XXXX XXXX. So, I responded in accordance with the Fair Debt Collection Act. In that response I neither acknowledged or affirmed the debt. I asked them to stop writing me and my job because they lost their chance to collect because it had been over six years. 

They continue to write me and my employer. The company continues to threaten me, and recently they have " found '' a signed document that was still never filed. I am afraid and embarrassed by their illegal attempts. My employers are afraid and contemplating releasing me. I have been a XXXX for over fifteen years, and I am a pretty great XXXX. I also love my job. I am a single mother of XXXX, and I acted responsibly in handling this matter.
Product: Vehicle loan or lease

I have an account with Honda Financial Services. During my time with Honda I have been enrolled in XXXX XXXX. On three occasions I failed to transfer funds to my checking account the payments were coming from. The payments were late by a couple days - once I realized the issue I transferred the funds to the account and ensured payment. Yes, I can do better, but I have a lot on my plate. After the last time this happened I tried to make a payment via the Honda payment portal but I was unable to do so. I then called Honda and I was unable to use the automatic payment system. Once I talked to a rep she informed me that I was locked out of the system because of three reverse payments and that I would need to call and make a payment directly with a rep for the next 12-months before I am able to setup automatic payments, pay online or use the automatic phone payment system. Honda never made me aware of this policy. It is drastic, unfair, and definitely a policy that does not reflect a concern for their customers. When I asked to speak to a supervisor the phone rep told me that my request was denied because I could not talk to a supervisor about a policy. I have never experienced this with a financial institution. If a policy is as drastic as this one, Honda should let their customers know upfront or at least provide a warning. No warning, no transparency. It is unfair and adds an undo burden on customers and only makes it more difficult to make payments on-time. In addition, there is a fee when using a debt or credit card. This is not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize a credit pull on XX/XX/2021 from XXXX XXXX XXXX XXXX. They pulled my credit without my consent.
Product: Debt collection

On XX/XX/XXXX I opened an account with XXXX for wireless cell phone service. I was informed I had 14 days to cancel service and return the phone I purchased and I would only pay for minutes or data used during the time I had the phone. I cancelled service on XX/XX/XXXX and returned the phone to the store where I purchased it. I subsequently received some erratic bills, and they ended up reversing most charges. They left me with a final bill of {$120.00}, but I had paid when I returned the phone. The store clerk told me what the amount was due for minutes and data usage, and I can't recall the exact amount but it was around {$60.00}. I know that I thought even that was too much, but I paid it so I could take care of it and switch to a different company. So I never knew what the {$120.00} was for and did not receive any notice of a debt collection, just XXXX bills. I attempted to dispute this with them over the phone around XX/XX/XXXX and XX/XX/XXXX but nothing was ever resolved. I don't like for this to still be on my credit report because I don't believe it is a fair charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

thes accounts are not mine. please remove it. 



1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

". Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Debt collection

waypoint resource group has been reporting to the credit bureaus and when i asked for validation of the debt they did not provide it to me. i then told them i wanted to acquire a lawyer to help me through the process of getting this deleted from my credit report they proceeded to remove it from my XXXX credit report and then it showed up on my XXXX credit report. I have disputed it several times with XXXX and they will not remove it. I then decide to call waypoint resource group which are the creditors that have the debt they " claim '' i owe for {$1300.00} for a XXXX account i have never had. when i did speak to someone she was very rude when i tried to explain to her they have been reporting a debt to XXXX and XXXX, she told me they did not have any information for me on file even after i provided her with the information she needed to search up any account they might have had in my name. i find it quite disturbing how they are saying i don't have any information on file for them but yet they are reporting to the credit bureaus. i have emailed them over and over and eventually they have stopped replying to me. i called back and was told they did not have any information once again and was hung up on. so why is it still on my credit report?
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XX/XX/XXXX'' savings accounts. Capital one misrepresented the XXXX savings account as having XXXX of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX XXXX account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a living human being, I have rights under 15 USC 1681. 

XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts below be removed because According to 15 USC 1681 : I have the right privacy and I did not give XXXX written permission to furnish these accounts : XXXX XXXX XXXX 
Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

XX/XX/XXXX my husband XXXX XXXX bought Our family a new home address XXXX XXXX XXXX XXXX GA. He met all of the requirements for the mortgage, however after his death in XX/XX/XXXX I found out that our home was not inspected and did not have a certificate of occupancy. This information was not disclosed to us from our realtors, sellers realtors, XXXX XXXX who sold us the house nor our mortgage company Silverton Mortgage who financed this property for us. Silverton Mortgage ordered an inspection however after my inspection with an engineer in XXXX, our home was not built up to code to obtain a certificate of occupancy.
Product: Vehicle loan or lease

My account was 35 day pass due and they repossessed my car without notice. I went up to the office to get explanation as to why my car was towed. They began to curse me out XXXX the XXXX called me a liar and told me I didnt have money made my cry and embarrassed my in front of the whole company
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been making payments to XXXX XXXX XXXX for years. I recently settled with them using XXXX debt restructuring and have not missed a payment. For the last three months they have reported to the credit bureau that I am not making payments and its killing my credit score. They are unorganized, sloppy and their mistakes are affecting me.
Product: Credit reporting or other personal consumer reports

Mortgage Research Center LLC has fraudulently reported and sold my personal information to Credit reporting agencies and XXXX XXXX XXXX XXXX and failed to discharge the debt in accordance with the Law. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 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 an account without my written instructions. By law its my understanding I was suppose to recieve a Cash Advance at the start of our contract I never did. I also sent over registered securities as tender with special endorsements for the principle account for satisfaction and discharge as well as cancellation pursuant to article X1 in the base Indenture of trust Indenture for the issuer and registrar. Securities fraud braking of the Trust Indenture Act of 1939 and The Securities Act of 1933.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit file and there are many mistakes in my report
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

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

The credit bureaus are reporting a XXXX late payment on XX/XX/2022 with the Office of the Atty Gen which is inconsistent with the other credit bureaus.
Product: Checking or savings account

The chase bank deposit my money with my Prison I'd and ss # card then each time I use card they locked my card .Then had me go into bank with two firms of Id I took my Prison Id and bank card, social security card and 2 addressed letters from county and state.where as the bank won't except prison Id to verify that I was me .So they said they were closing my account and I asked them what happened on 2 payments they were supposed to have paid which they hadn't.The cancelled the electric bill payment for {$1000.00} The another {$1000.00} that was supposed to be cleared on XX/XX/22 which never showed up on card yet was took from account on both cases.Now they said they would close my account and I would receive a check in the mail with in 5 business days XXXX my account was closed but here it is XX/XX/22 and I've not received my money.Chase Bank has caused me a large problem, with electric company and landlord and my mom passed away in AK.last week and I couldn't get there dew to the bank locking me out .Now my landlord is ready to evict me and power company is turning off my power.Food going to go bad I'm going to be homeless but the bank doesn't care about that .I 'm stressed out and it's causing me illness 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  Account # 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 XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans where opened in 2006. The debt was old and all credit report agencies removed them from my credit report. Now the debt is showing up as newly issued. This is not right and not fair. I want this debt removed from my credit reports. Its past XXXX years old.