23daVinci/CFPB_Complaints huggingface dataset:
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 with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$23000.00}. 

XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$13000.00}. 


XXXX XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$25000.00}. 


XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$790.00}. 

XXXX XXXX of credit with account # XXXX opened on XX/XX/XXXX and a balance of {$6.00}. 


XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$18000.00}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1400.00}. The original creditor is XXXX XXXX. 

XXXX account from Unknown with account # XXXX and a balance of {$49.00}. The original creditor is XXXX XXXX. 

I couldn't apply for a home loan because of all of these negative credit items on my credit report.
Product: Credit reporting or other personal consumer reports

They have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) Failure to validate this alleged debt. FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations
Product: Credit reporting, credit repair services, or other personal consumer reports

Proper investigation. I requested that they go off the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

This was not provided with the original signed contract, thus not aa proper investigation. Please assist with enforcing the company to properly investigate or remove the collection off my account.
Product: Debt collection

I get a medical bills on my credit report who was already paid by my insurance still showing due and I start received some calls from collection agency about this debt who made some treated about this issue. I do n't have any knowledge about this issue and never received any last invoice from the office.
Product: Payday loan, title loan, or personal loan

I received a personal loan through Town Financial in XXXX XXXX, IA in or around approximately XX/XX/XXXX, I paid each month, then qualified for another {$800.00} loan to extend original loan out, this was approximately around XX/XX/XXXX,  this was to extend out my loan and be paid off in 24 months. I have been paying $ XXXX {$140.00} each month and have had a couple of late payments. The loan should have been paid off entirely at least 6 months ago. XX/XX/XXXX I was told I had XXXX balance, I have paid over {$900.00} since then. Town Finance harasses me ( I have phone records, voicemails and bank receipts/statements ) at least 5 times per month by calling me for days on end consecutively leaving messages stating they need a payment. I have requested my original and 2nd loan original documents be mailed/emailed to me and was told they would be as well as documentation of each of my payments. Town Finance has never provided this documentation to me after more than 1 request to do so. This company is a complete scam and takes advantage of the working poor and middle class. After complaining most recently to the Iowa Attorney Generals Office regarding Town Finance, ironically, I received a notice in the mail from Town Finance stating that they did an internal audit and have found that I have a balance due of XXXX and if I feel it to be any different to contact them. I do not owe anything, and in fact, they owe me money for overpaying and for fraudulent loan/business practices. I really feel that this company is really misleading in loans offered, interests rates on loans, late payment fees, and have been paid 2 times the amount of my loans that I owed. I want copies of my loan documents and want XXXX back that they owe me. Please help me and others to eliminate Town Finance from being able to prey on people any longer. 
Thank you, XXXX XXXX XXXX
Product: Debt collection

XXXX sold my debt to AFNI. I asked Afni to pay to delete and they said XXXX would have to. I asked XXXX and got thee ok. Did the payment through AFNI like advised. They will not update credit report. I paid off debt on XX/XX/XXXX in full on XX/XX/2020. I had asked about a pay to delete and asked for it in writing, have not received, i asked then to update the balance on the credit report, and instead of charge off a t least to report it as paid. They have kept it the same with the old balance. I disputed through XXXX  and it still remains as is even though I provided proof.
Product: Debt collection

Repeated calls and voicemails, exceeding 7 calls in 7 days multiple times. On XX/XX/year>, I was 9 times by this collector. I spoke with a manager at the company on XX/XX/year> at XXXX XXXX  for 8 minutes, and asking for them to not contact me again. I informed the manager that the company has been harrassing me, and she said I would not hear from them again. They kept calling me, that very same day, and have not stopped since.On XX/XX/year>, I received three voicemails from this collector, at XXXX, XXXX, and again at XXXX from this debt collector.
Product: Credit reporting or other personal consumer reports

I filed a dispute regarding unlawful information on my credit report, it has been 60 days and I have not received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Inaccurate and incorrect information reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion states the sent a email on XX/XX/XXXX but no email was sent. They went over there 30-45 days and did not remove the inaccurate account. On XX/XX/XXXX the website on transunion stated in progress. I would like proof of the email they sent with a time stamp on it along with what email address it was sent from and what email it was sent to and what it said. Lastly why was the website not updated or status not updated on XX/XX/XXXX when the email was sent? Why would it get updated after XX/XX/XXXX when the complaint was on XX/XX/XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX. As I've gone through the accounts and collections listed on my credit I've noticed unusual activity and an ample amount of accounts that do not belong to me. Please remove this from my credit report immediately as this is poor judgement on my credit worthiness. 
Thank you
Product: Checking or savings account

MY COMPLAINT IS WITH DIRECTEXPRESS/COMERICA BANK . 
I originally reported 4 unauthorized transactions from XXXX on XXXX. XXXX. XXXX for {$9.00} and 4 transactions from XXXX XXXX XXXX on XXXX for {$9.00}... 
fraud report ID XXXX I reported them and was told by the agent that he had several reports from different customers filed that same day about the same perpetrators. I was then told the transactions were pending and had to go through before DIRECTEXPRESS/COMERICA BANK would investigate. I was told they would be sending out a questionnaire. They sent me a questionnaire dated for XXXX with a due back date within 10 days of XXXX. I received the questionnaire on XXXX and the dollar amount was not what I reported. I reported a total XXXX {$79.00} and they sent me {$97.00}. I called DirectExpress immediately and was sent from one department to another to another and then put on hold for over XXXX hours before the call was disconnected. I called back but the office was closed. I called back today, XXXX, and asked for a supervisor. I repeated the issue to her and then said I would be contacting the FDIC at which point she told me that due to DirectExpress policy she had to discontinue the call and promptly hung up. I've had problems with them once before over a dispute and because of the due dates they issue I lost that money even though they knew I was not at fault for the transaction. They also falsified the amount of the transactions by over {$16.00}. 
I have looked into the way the FDIC and other banks handle issues like this and they are quite different from the way the Comerica bank fraud investigations team does it. I also looked up DirectExpress/Comerica investigation team and found out they have been sued repeatedly for this exact same issue since XXXX. These are Federal funds issued to people on XXXX, SSA and SSI that are being misappropriated. My money included!
Product: Student loan

During the year of 2013, I called Sallie Mae customer service to ask for options about repayment. I do not make enough money to complete the $ XXXX monthly payment option, and at that time I was unemployed. I called Sallie Mae customer service about deferment, and they refused, stating that " due to the nature of the loan, your payments are due regardless of whether you have the ability to pay them or not, and will keep accruing interest. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 


15. USC 1681 section 602 A - states rights to privacy U.S.c 1681 Section 604 A section 2 - a consumer reporting Agency can not furnish a account without my written instructions U.s.c 1681c. ( A ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1692 Section 805 A states a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known Or which should be known to be inconvenient to the consumer.

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows it has reason to know that the consumers employer prohibits the consumer from receiving such communication 15 USC 1693 2 Section 806 section 5 causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the caller number.
Product: Credit card or prepaid card

In XX/XX/2018 I transfered a balance from a XXXX card ending in XXXX to a Barclay card ending in XXXX. I messed up putting the correct card number of the XXXX card, when transferring from XXXX   to Barclay. I called Barclay, they told me to file a claim. I did. A week later the balance showed up on the Barclay card, and was zeroed out on the XXXX card. Problem solved, Right? NO! 3 months later, this week in the middle of XX/XX/XXXX, Barclay apparently decides the appropriate response to the claim I filed is to return the balance transfer to XXXX, and now that balance is in limbo, because XXXX returned it to Barclay, BUT Barclay is refusing to do another balance transfer.I want this issue FIXED IMMEDIATELY! AND the $XXXX balance transfer fee paid back to me in full by check in mail SINCE YOU ARE REFUSING TO DO A BALANCE TRANSFER!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having a problem with XXXX, Experian, and XXXX. I found a mistake on my credit report and I submitted a disputes on XX/XX/2023 and XX/XX/2023. However, XXXX, Experian, and XXXX hasn't fixed the issue within the 30-day period which is a requirement by the Fair Credit Reporting Act ( FCRA ). 

Also, XXXX, Experian, and XXXX hasn't followed another rule under the FCRA. They kept using the information I disputed without showing it as 'disputed by the consumer ', which the law says they must do. 

On top of all that, XXXX, Experian, and XXXX hasn't done its job of making sure the info on my credit report is as accurate as possible, something they're supposed to do according to the law ( 15 U.S. Code 1681e ( b ) ). This means the wrong info is still there, which is hurting my credit score and my financial opportunities.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have not, nor have i ever worked with these companies. please remove fraudulent iniquiries Immediately. I have included all documentation and am working with FTC and CFPB to correct these inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd attempt with XXXX, XXXX, and Experian. All 3 Credit Bureaus are reporting incorrect information on ALL Positive and Negative accounts. I have sent 2 letters Certified Mail and these issues are still incorrect. The 3 Credit Bureaus responded the at the dispute has been verified. I had called the Positive and Negative accounts from my credit file, and actually received the CORRECT information. The 3 Credit Bureaus had lied and said they have all been verified.

I know my rights under : 15 U.S.C. 1681 Section 602 A. I have the right to Privacy 15 U.S.C. 1681 Section 604 A. A consumer reporting agency can not furnish an account without my written instructions.

The open dates are still inaccurate, the date last active is still inaccurate, and the date last reported is inaccurate. This is grounds for removal and the 3 Credit Bureaus violated my rights.
Product: Debt collection

Merchants credit has called me multiple times before XXXX and I know that is against the law. This company would harass me by calling back to back up to 6 or more time daily and even called me at work, which is also against the law. After I told them I am not allowed to accept calls at work they continue calling, they even spoke to my supervisor who told them that I am not allowed to accept calls at work. I eventually getting in trouble for them calling me so much on my work phone. I have requested several times that they send me information regarding what they say is owed and to which company and they never provided that information which is also against the law. They have threatened to take legal action several times against me. The way that they talk to customers is ridiculous and sometimes needs to be done with this company.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX - XXXX - XX/XX/XXXX - {$3800.00} XXXX XXXX XXXX - XX/XX/XXXX - {$3500.00} XXXX  - XXXX - XX/XX/XXXX - {$3300.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, I paid on my XX/XX/XXXX payment. 

The payment was made on the phone and through automation, which has and keep my payment information. The payment was made on the XXXX and there is an audit log from XXXX XXXX that also verifies that I paid on the XXXX. 

Caliber homes the mortgage company was closed on XX/XX/XXXX and there was no prior notification of this fact. I called in twice and in order to pay I made it through the automation in which I have done since having the loan for 3 + Years without a late. 

After paying I also did not receive a confirmation via email that is done and also as proof of payment. 


Caliber home was closed until XXXX the XXXX, or XXXX. They then processed my payment. 

They reported my payment 30 days late although I paid and have proof from XXXX XXXX, and also letters from them stating I paid on the XXXX, however, they continue to report me to the credit reporting agencies as late even after admitting they have knowledge that I paid on the XX/XX/XXXX ( please see attached documents ). I also demonstrated that I also had funds in the account. 

I am seeking relief from the CFPB to help resolve this issue as it is not a correct reporting. There are logs that show that I made the payment on the XXXX, the law does not stipulate it is when a company decides or available to process. As part of the fair credit reporting this is against the law and I am being treated unfairly and have taken a severe credit hit due to this issue that should have been resolved. 

I have disputed with the company multiple times and at the highest level and have been treated rudely and disrespectful in the process.
Product: Mortgage

i set up an automatic payment with uwm for my new mortgage, i got an email confirmation, the auto pay was successfully approved. 
i never got any other notification in this matter. 
i left for a 3 weeks vacation, when i came back i went over my account and noticed the mortgage was not deducted, i called uwm and told them that, they charged me the same say and told me not sure what happened in the auto pay but since it is less then 30 days its ok and will not affect my credit and i have nothing to worry about. a few weeks later my credit dropped 70 points.
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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

Due to Identity Theft, those account does not belong to me. Please block and remove the disputed items.
Product: Credit card or prepaid card

I had a promotional interest rate for XXXX  % with Capital One for XXXX year. I called them on XX/XX/XXXX and asked them when would be my promotional interest rate will be expired. They told me XX/XX/XXXX. I notice in XX/XX/XXXX that they charge me interest. I immediately paid off the balance. I called them and asked them to reverse the fee as it was their employee 's mistake. Although they checked my phone call scripts on XX/XX/XXXX and agreed that their employee made a mistake they refused to reverse the fees. I strongly believe that this credit companies taking advantage of consumers by not providing the promotions expiry dates on their monthly statements, not sending out proper notification and when we contact them providing incorrect info.
Product: Credit card

XXXX XXXX 2015 I saw that my State Farm credit card had expired XXXX 2015. I called to inquire where my updated card was and they informed me the card had been canceled. The customer service rep was n't able to tell me why, but said they would have someone call me the next business day. That call did happen and I was informed the card was closed XXXX 2015 due to inactivity. I had used the card XXXX 2015. I never received a letter stating that my card was going to be cancelled or had been cancelled. The woman I spoke with regarding why card was canceled told me they do n't mail letters-they just close out the card without informing the customer.
Product: Debt collection

National enterprise systems who is a third party creditor sent me a letter on XX/XX/XXXX stating I owed a debt. On XX/XX/XXXX I sent National enterprise systems a Debt validation letter, National Enterprise sent me a letter back on XX/XX/XXXX stating I owed a debt the company has not provided any contracts between me and the company and they have not sent anything back pertains to what I sent in the debt validation. National Enterprise Systems is in a total of XXXX violations. EXHIBIT A 15 USC1692B ( XXXX ) EXHIBIT B 15USC 1692 ( j ) EXHIBIT C 15USC 1692 ( j ) EXHIBIT D 15USC 1692 B ( XXXX ) EXHIBIT E15 USC 1692 ( A ) ( B ) EXHIBIT F 15USC 1692 B ( XXXX ) EXHIBIT G 15 USC 1692 XXXX EXHIBIT H 15 USC 1692 B ( XXXX ). 
I have explained over the phone to to XXXX different employees that I do not owe the debt. I sent the company a consumer affidavit of truth, Federal consumer violation invoice.