23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX COUNTY REPORTING A FALSE DEBT COLLECTIONS THAT NEEDS TO BE REMOVED BY THE COURTS Texas ' four-year statute of limitations on debts works alongside the Texas Debt Collection Act. The limited time period means that debt collectors can not sue individuals in an attempt to collect debts that are more than four years past du FTC VIOLATIONS The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/1977 ( and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit  Reporting Act. [ 3 ] [ 4 ] COMPANIES INVOLVED : : : : UNIFUND CCR PARTNERS   XXXX XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

Tried Opening a checking account with Chase in XX/XX/2018. I was told that I have been banned from having any accounts with Chase by the loan officer, they gave me no reason as to why I was not allowed to open an account and why I was blacklisted. I have never had any type of accounts with Chase or have ever done business with Chase. The loan officer said my account was flagged in XX/XX/2011 but I was in high school at the time and did not have any history with chase at that time.
Product: Credit card or prepaid card

A few days ago I submitted a complaint about synchrony bank/care credit. Ive been having nothing but problems with this bank. Now I just received a letter stating they are decreasing my credit line. My credit line was originally {$4800.00} now they decreased it to {$1800.00} and the reasons they give for doing this are all untrue. The account is NOT late nor has it ever been late. I have highlighted all the reasons they gave for decreasing the credit line. I am uploading the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lack of charge and credits. This issue lies with the recent CFPB findings against XXXX XXXX for similar practices were transactions settled with insufficient balances, despite initially available funds, I believe these practices are unfair and request an investigation into my account Transactions.
Product: Debt collection

The account trying to collect a debt from me was involved in litigation and filed for bankruptcy under Chapter XXXX. I never took out a private loan with Career Point college or Under XXXX XXXX XXXX!! This has already previously been removed from my credit in the past but has somehow managed to pop up on my report again and has negatively impacted my hard earned credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in deference on my loan because I was n't work at the time and they reported late payment for 6 months.. I emailed them and called they keep saying they had the late payment removed but they are still on there ... I even sent a email again on  XXXX   XXXX   2017 a nd nothing has been done
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX when I was going through a nasty divorce my ex husband took out this account. He had all of my information and I knew nothing about this account. I have reached out to this company RealTime resolutions several times but they could care less about my issue. XXXX is the only credit reporting agency that want remove this account. It is now XXXX an in accordance with the fair credit reporting act this creditor has violated my rights under XXXX5 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 section XXXX it also states a consumer reporting agency can not furnish an account without my written instruction under 15 ISC 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I told them XX/XX/2020 to stop calling, per Goverment law, since then they have called everyday, just differant numbers, I told themI was going to bill them {$1000.00} every time they call
Product: Debt collection

As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX, XXXX dba XXXX XXXX on all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is XXXX  activity at the least and unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication without authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) XX/XX/2021 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. 18. Invasion of Individual and Family Privacy 19. Violated 15 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. You, RECEIVABLES MANAGEMENT and its representatives/agents is Civilly Liable for your transgression against me, a consumer, under XXXX. I take this lawful action ordering judgement against you. A court of competent jurisdiction can add additional damages if deems necessary.
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. 

XXXX XXXX XXXX XXXX XXXX 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: 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. 

XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX Amount : {$780.00} XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXX Amount : {$1000.00} XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX Amount : {$4400.00} XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX Amount : {$910.00} 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: Bank account or service

I applied online with XXXX bank and after applying was told I needed to take in or mail a deposit if I wished to continue with opening the account. I never paid a deposit to open account but they are reporting to chexsystems I owe XXXX on a account I never finished opening. I can not contact chexsystems online website has internal errors. I need to get my name and this account removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day I 've sent a letter regarding this matters and some of this has been handled however this is n't my problem. This issues are the duplication of pulled inquires on my credit report. I 've sent XXXX this information over numerous times but have not verified anything with me. I receive a letter from XXXX  stating they have verified everything but never sent me anything from the companies. I 'm extremely frustrated with this matter. This will be a on going process if XXXX does not handle things on their end. I 've submitted something on the XXXX XXXX, XXXX XXXX, XXXX XXXX and now XXXX XXXX. These are the companies : XXXX XXXX XXXX X/X/2016 and X/XX/2016 XXXX XXXX XXXX XXXX : X/XX/2016, X/XX/2016, X/XX/2016 XXXX XXXX : X/XX/2016, X/X/2016 XXXX XXXX : X/XX/2016, X/X/2016, X/XX/2016, X/XX/2016
Product: Credit card or prepaid card

On Thursday XX/XX/2020 at XXXX me and my freind XXXX XXXX both of XXXX  exchanged XXXX a piece In cash for two online ordered gift cards. Truth is we were scamed. We went to XXXX in early XXXX and there cash registers declined a purchase and the said with card wasn't activated or was invalid. We called my vanilla card customer services and they started a ticket in both both there getting errors and invalid on both cards we contacted ecpd In XXXX XXXX wi. There on there way to assist us in getting the cash back I'd it's not spent already. Wanted cfpd to be aware of this.
Product: Debt collection

On XX/XX/XXXX, I found out that there are 2 debt collections and credit card accounts under my credit report which are not mine. So I contacted all 3 credit bureaus ( XXXX, XXXX and XXXX ) and also all the credit card company and debt collections. The thief used my identity opened accounts : 1. Midland Credit Management : {$610.00}, date opened on XX/XX/XXXX. XXXX. Midland Credit Management : {$500.00}, date opened on XX/XX/XXXX. XXXX. XXXX 's : {$1300.00}, date opened on XX/XX/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
Product: Checking or savings account

I initiated an online bill pay in my Chime checking account which is sent by Chime in the form of a check for a XXXX XXXX XXXX policy premium. The Chime banking system indicated the check was sent on XX/XX/2021 to XXXX in the amount of {$120.00} at XXXX and indicated the check was SETTLED or paid to XXXX XXXX XXXX never received payment and my Life Insurance policy lapsed because of it. I reached out to Chime twice regarding the matter. I asked them to cancel the check and refund my account which they did. They had nothing to say regarding their actions cancelling of my insurance policy at 48 years of age. The main issue is the fact that they said the funds were paid and settled and they weren't which leads me to believe there has to be many other customers, as I would have never known the funds were not settled had my insurance policy not been cancelled. The attached snip of my bank account shows the cancelled check and the original check, and the original check STILL shows settled. If this isn't a CFBP problem, I don't what is.
Product: Vehicle loan or lease

Ally Financial continues to delay reporting updated balances and payment history to the credit bureaus. I have made repeated requests to fix this issue and nothing happens. I am constantly told it will take 30-45 days to be correct. 

However Ally Financial demands that I pay the account on time however does not honor there contractual obligations to report eh appropriate information to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW 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  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 : states a consumer reporting agency can not furnish an account without my written instruction.

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, 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 or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this agency a notarized, certified letter with return receipt about inaccurate, erroneous, and fraudulent accounts on my consumer report. I supplied valid proof of inaccuracies and fraudulent accounts and This agency has failed to act or update my account as in dispute. I provided proof that XXXX XXXX bank violated my federally protected consumer rights and committed identity theft against me. XXXX XXXX shared my personal information with XXXX without my consent. No consent is identity theft! On my consumer report there is an inquiry from XXXX which I did not approve or consent to and again no consent is identity theft. I have no contract with XXXX nor have I had any communication with them. I understand I am a consumer protected by federal law. By this agency reporting this information they are committing identity theft as well. It is to my understanding that all accounts deemed as identity theft be deleted from a consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im reaching out to address several concerns regarding my experience with the credit bureau. These issues include incorrect account listings, numerous unauthorized inquiries, inaccuracies in credit reporting, inconsistent billing details, and accounts that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is related to XXXX prior complaints : XXXX & XXXX. XXXX  claims that I owe them {$110.00} following cancellation of my service. I assert that XXXX charged me for a phone line that I did not request and that I did not use. XXXX  can verify this from their own records however, they refuse to refund all of the overcharges due to their internal policies. In addition, XXXX unilaterally changed the " cancellation '' terms that I had agreed to when I signed a contract with them. Nonetheless, XXXX and/or their collection agencies has reported their alleged debt of {$110.00} XXXX times to credit agencies, each time having a meaningful effect on my credit rating. The dates that they reported the alleged debt are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and most recently XX/XX/XXXX. Thge amount of this alleged debt doesn't warrant a legal proceeding however XXXX continues to use their ability to disparage my credit rating without apparent consequence. In my opinion, the harassment is quite egregious and unwarranted.
Product: Mortgage

I applied for a mortgage with New American funding and was set to close on a home in XXXX. I was pre approved then seven days before I was to go to settlement, and after putting out over XXXX dollars, I was contacted by the loan processor that they were not going to fund my mortgage due to me failing to disclose a foreclosure. The based their opinion on my divorce settlement agreement which in the state of NJ I had marital right to the property even though I was never on the note to pay. I tried to explain this to them and they would not let me explain. I lost out on that home and am still out XXXX to the seller. I am now in the process of obtaining an FHA mortgage on another property and was just informed by my new lender that New American Funding disclosed that information to FHA and it is now in their system that I had a foreclosure which I do not. The note was never in my name. My ex husband has tried to reach out to the title company and mortgage lender to obtain a copy of the note and neither companies are in business anymore and since the note is not a disclosable document I have no way of obtaining that information and am due to close on my new property next week. I emailed New American Funding to have them remove that note and they stated they would not and that " the note and the mortgage are one in the same ''. They have already cost me XXXX dollars that the original seller will not reimburse me and now my new property. I would like to know what can be done to rectify this issue so that I can obtain a home for my children and myself. I am currently homeless and living with a family member
Product: Credit card

While trying to get the Balance, Address and Phone number so that I can supply information to the collection agency servicing my XXXX smartconnect account, I was given a new number with every contact ( XXXX different numbers ). Each contact either refused to give or stated they did not have the information to give. When I finally got the collection agency 's name and number ( NCC Business Services XXXX XXXX ) their automated system discloses before verification that this is a debt they are trying to collect. When an agent answered the call she stated that she would be unable to help me because the case was in another office.
Product: Credit reporting or other personal consumer reports

I have diligently followed the necessary procedures to dispute the accounts in question. I have reached out to the bank regarding this issue, and they have assured me that it has been resolved. Additionally, I have contacted law enforcement and filed a report and affidavit, which they have confirmed as valid for identity theft. Lastly, I have contacted the credit reporting agency. I want to emphasize that I am the sole individual submitting this complaint. I have not enlisted the assistance of any third party. I request that this matter be addressed with utmost urgency. 
XXXXXXXX XXXX XXXX