23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ( Original Creditor : 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX this Quality Recovery services reached out on behalf of XXXX at XXXXXXXX XXXX that I had a balance of XXXX. The date open is not correct, date last active is not correct on XXXX credit reports, date of last payment is not correct on XXXX credit Report. 

Which is a violation. This is impacting me from moving forward to buying a house for my family. 

Im ready to buy a home for my children. Im a XXXX XXXX and this collection with false statements are holding me back.
Product: Student loan

A company called Equitable Acceptance is charging me {$39.00} a month to consolidate my student loans through XXXX. I was contacted by a company called XXXX in 2015 that told me they could consolidate my student loans. In order for them to complete the process I had to pay a monthly fee of {$39.00}. I filled out a income-based student loan form that I downloaded from XXXX and submitted. I was then contacted by XXXX, to confirm I wanted to apply for a income-based student loan program. For the past year I have been paying {$39.00} a month to a company called Equitable Acceptance, and I was under the impression that in order to get the income based payment, I had to continue to pay Equitable Acceptance. When it became time to renew my income-based program, Navient contacted me and asked if I wanted to reapply for the program, I told Navient that I was told by Student Advocates that the {$39.00} a month fee that I am paying, will automatically keep me in the income-based program. XXXX explained to me that XXXX and Equitable Acceptance are both scams and have nothing to do with the Department of Education or Student Loans.
Product: Vehicle loan or lease

I SPOKE THE COMPANY FRAUD DEPT! THE AGENT TOLD ME TO WRITE MY SIGNATURE 5x AND SEND IT BACK ON THE EMAIL ADDRESS AND DID NOT GET BACK TO THE COMSUMER! THEY NEVER FIXED ANY OF THE PROBLEM AND IF THEY DO NOT FIX IT I WILL SUE EXETER FINANCE LLC TERRRIBLE BANK LOAN
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit rating was XXXX in XX/XX/2018 per Transunion. 

Around that time, my motorcycle was stolen. The motorcycle had an open account with XXXX XXXX XXXX. Once my insurance company paid the claim, my open XXXX XXXX XXXX account was closed in good standing. Once everything settled, I made the decision to purchase a new motorcycle at the end of XX/XX/2018 and I financed the loan via XXXX XXXX XXXX. The amount of the loan and monthly payments were nominally higher, but otherwise in the same range. Both the XXXX and XXXX loans were paid on time and neither account was ever delinquent. Further, the accounts were never open simultaneously. In other words, the XXXX account was paid in full and closed ( in good standing ) prior to the opening of the XXXX account. 

Shortly thereafter, on or about XX/XX/2018, I noticed that my Transunion credit score dropped to XXXX. I called Transunion and they said that they would not my issue, but that they can't do anything since scores are computer generated and they have no way to adjust the score. Next, I called XXXX XXXX XXXX and they confirmed that my account was never delinquent, that the account was paid in full, and that my account was closed in good standing. Finally, I called XXXX XXXX XXXX, and they also confirmed that my account was never delinquent, that I never made any late payments, and that my account is currently in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted regarding MULTIPLE inquires that I am unaware of and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, you did not show my authorization as required by law authorization, written nor verbal I ask that you DELETE these non authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

Replying to my CONCERNS with a letter stating to contact the companies that are listed on inquiries is not legal. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 )  Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete
Product: Debt collection

PRA has not yet removed this old outdated account from my profile. There is no statement of activity and most recent date of XX/XX/2015 would make this account too old to even be on my profile. 

1. Provide validation of the debt, that is, the actual accounting.

2. Verification of their claim against you, that is, a signed Invoice.

3. A copy of the Contract binding both parties ( you and them ), and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists PRA is not licensed in my state and I demand removal or expect monetary damages in the amount of XXXX dollars for each month this has reported to my credit report
Product: Credit reporting or other personal consumer reports

XX/XX/year> I found a dispute on Account # XXXX XXXX XXXX XXXX XXXXXXXX denied following up with the investigation, I was recently informed that the CFPB has filed a lawsuit against XXXX. They alleged the company of accepting unreliable information, failure to notify consumer disputes results. This is my exact situation. XXXX has not attempted to remove, nor correct any information. I am requesting these derogatory marks to be removed or corrected immediately as it is affecting my chances getting a car. XXXX violated my rights as a consumer, as well as federal laws.
Product: Checking or savings account

I had an account thar I had with td bank for years. I received a fraud phone claiming it was td bank stating that I had 2 debit card transactions on the account and they said they will close the card and they did not. So I called the td bank fraud demand they restricted the account but on XX/XX/XXXX they wanted to end the relationship with me. So I opened a new account and the Manger at the XXXX XXXX branch said it was cleared and I opened a new account. The account today was restricted by the branch for no reason. The bank does not care. Now I have to go to the bank again and find out why they want to close it. I also get a direct deposit on Thursday and money tomorrow.
Product: Mortgage

My home loan was sold to loan care/Lakeview Loan Servicing. I did not originate the loan there, so I have had no specific contact with any customer service representative. I attempted to call 3 different times within the month of XXXX, all ended with me hanging up as I do not have more than an hour available to wait to speak with someone. So at the end of XXXX I put in an electronic letter/e-mail to the loan company asking my question with hopes to receive contact back. When I did not receive anything back by the end of XXXX I tried calling again, still not a practical wait time. I then submitted another e-mail at the beginning of XXXX. Both e-mails detailed what I was looking for and how to contact me and neither have resulted in any attempted contact back to me. I feel that due to the reason for me contacting them that they are avoiding me. This is an unfair practice as this has possibly resulted in me paying at least an additional {$170.00} that I possibly would not have had to pay. I was contacting the company about possibly getting my private mortgage insurance removed, or at least looking into the idea. I assume that they would require me to pay for a new appraisal, but I needed to know what other costs would be associated with this and what the process would be. I have felt through this process that this company does not wish to help me to possibly get this PMI removed and are therefor unfairly trying to continue to charge me more than I should be. I feel that at the current time I am at or below 80 % loan to value, which is would be determined through a new appraisal. I am also open to the idea of making a lump sum payment to bring this down to 80 % if the new appraisal does not come back high enough.
Product: Debt collection

The letter states that I had an ambulance ride on XX/XX/2013. I have never been in an ambulance in my entire life. I asked the company Phoenix Financial Services where this individual was taken from ( address ), where they were taken ( address ), what time of day, provide other information that was given to the individuals other than a name and date of birth ( such as social security number, race, age ... ) and other information which they could not provide. I feel as if this is a scam and they are just trying to get me to pay money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX Credit Unions XX/XX/XXXX Experian XXXX XXXX XXXX  Mortgage Companies XX/XX/XXXX Experian XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found two collection accounts and a auto loan that i am not familiar with and was open without my knowledge. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like for these accounts to be removed asap.
Product: Credit reporting

I am responding to a letter I received from Experian regarding a suspicious request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they believe the letter I wrote them was not sent by me. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my expressed and written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know specifically what made my letter " suspicious '' and why Experian thinks I did not write my letter to them since I have submitted similar disputes before. 
I would be very grateful for a step by step explanation from Experian detailing the specific information I may have missed. 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them?
Product: Credit card

LTD Financial Services ( the same company I filed a complaint against noted in complaint number XXXX ) continues to contact me. They responded to the former complaint and informed XXXX that they have stopped collection activity. LTD Financial Services has since sent me a letter dated XXXX XXXX, 2015 ( see attached ). As I 've noted in the prior complaint, I contacted XXXX and confirmed they are not pursuing recovery. In addition, the information provided in LTD 's former letters is not valid contact information for XXXX. I also note, the XXXX XXXX, 2015 letter has a different telephone number than their previous correspondence to me however the letterhead has the same address and fax number. When I called to inquire why is LTD contacting me. The representative ( XXXX ) attempted to collect verifying information such as my SSN and date of birth before she would proceed with the call. I advised I would not provide that information however she was persistent requesting the information and would not respond to my question, why were they contacting me. I advised I would be filing another complaint and terminated the call. 
LTD alleges to be collecting on behalf of XXXX. I previously spoke with XXXX and they have confirmed they are not collecting a debt. 
This appears to be a company phishing for information and they do not legitimately represent XXXX.
Product: Credit reporting or other personal consumer reports

I have filed multiple complaints through the CFPB over the last year plus and I have also mailed in complaints along with my documents : social security card, drivers license, proof of address. Even when providing all the documents XXXX and Equifax continue to send me stall letters requesting the same information that has been sent multiple times. When I have called both companies they have stated I have no alerts and no fraud alerts on my file and there is no block however through Annual Credit Report and even their own sites I have been unable to retrieve my reports after submitting documents over 5 times. I have recently requested full disclosure of my ENTIRE CONSUMER FILE. I did not receive my file as again I was sent yet another letter about my identity that documents have been provided over and over. This is causing harm to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working to raise my credit score for some time now and over the last 8 months the score has been going up steadily as i paid off more and more of my credit card balances. as of the XXXX of XXXX my score had been going up steadily, then on XX/XX/XXXX it suddenly dropped on equifax and XXXX. The notation on the XXXX  report said " no changes '' however, the equifax report said that the only thing that changed was that my XXXX XXXX XXXX   account had gone into forbearance. My wife and i had requested this due to her reduced hours and it had been requested specifically in reference to the CARES act and was requested on XX/XX/XXXX. The only thing that shows as a factor on my credit score drop is the XXXX XXXX forbearance and if that is the cause of the 33 point drop, that is illegal. The CARES act specifically says that forbearance initiated Due to COVID-19 can not be used negatively on credit reporting. I already spoke to XXXX XXXX  and they said we aren't the only ones reporting a drop in credit score when none should have happened. This is troubling because i need my credit score to be higher for the coming year for very specific reasons and we were told and i did the research that credit scores were not supposed to be affected by forbearance requests in relation to COVID-19. This is absolutely important that this get straightened out as soon as possible ... 

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting collections on the XXXX and XXXX XXXX XXXX partial account numbers ****XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 13 and 14 of the attached credit report. ) I never even qualified for these loans because I am a XXXX XXXX. ( Please see the attached court document. ) These accounts are being reported on my credit report in error. This incorrect reporting is harming my credit score and these line items needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

Chapter XXXX Bankruptcy Reference # : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX  violation of my consumer rights under the fair credit reporting act ( FCRA ). Specifically my complaint is regarding the unauthorized reporting of capital one account number XXXX and the XXXX  card XXXX on my consumer credit report and / or credit file, which I did not consent to nor was I properly notified about. 
This information is not only wrongful but was also reported without my explicit consent or prior notification. This action has significantly and negatively affected my credit score, making it difficult for me to obtain credit and it has caused me undue stress and financial hardship. 
I have previously attempted to resolve this matter, but to no avail the issue was not resolved despite my efforts, the issue remains unresolved, and this information is still present on my credit report. 
I respectfully request the removal of this information from my credit report maintained by XXXX. 
I hope XXXX  takes my complaint serious and rectifies this situation as swiftly as possible. 
I look foward to their response and am hopeful for a favorable resolution. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company - XXXX XX/XX/2017 received a bill for {$1.00} and XXXX   Contacted Chase Credit Card disputing charge and was refunded {$19.00}. Afterwards I have been billed 3 times for a service I did not request. I have no record of requesting this service from XXXX.

I have called a XXXX  XXXX  and they ask for information i.e : name, address and last 4 digits of social in order to find the account, however they continued to ask for more information. I became uncomfortable giving them more personal information and refused to provide the information to them. They then told me they needed more information to help me close the account.

I would like to have all the money refunded to me and stop payment to XXXX.

Please - HELP!
Product: Debt collection

ANFI, a third party debt collector has placed an account for collection on my credit report. They claim that the original creditor was XXXX XXXX XXXX. The amount of the debt is reported to be {$550.00}. I have contacted them but have yet to be given any record of where the debt is coming from. I am and have been a customer of XXXX XXXX XXXX since about 2003 and to my knowledge do not owe them for any outstanding balance. I would like to receive a copy of an invoice, statement or bill showing me as the original debtor and some indication as to what the bill was for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to have a have a collection company removed from my credit report which I am not responsible for this debt.
Product: Credit card

Barclay Card Arrival was XXXX of cards that our family use regularly to accumulate points for travelling. You can earn roughly XXXX cents per dollar spend to be used for travel expenses. We saved up to around XXXX points with roughly equal to {$1800.00} to be used to pay for a cruise with our XXXX young daughters in 2016. However, the card was closed by Barclay and the points were taken away without any warning. We did not get a chance to redeem our points. We called and they said there is no way for us to use the points that we have earned over the years. Closing the account is Barclay own decision but we should get a chance to use the points first.
Product: Money transfer, virtual currency, or money service

Unable to link my PNC accounts or transfer funds from my PNC accounts to my XXXX XXXX  XXXX  or XXXX XXXX  accounts. 

XXXX  said it is a problem with a change in the way that PNC is set up. 

Please fix this PNC issue so my money can go where it needs to go. 

Thank U.
Product: Credit card

Capital One advertises in their prospectus filing with SEC a firm offer of credit for note holders. I submitted an application regarding their prospectus, ultimately tendering an asset backed security. Capital one has been trading this security on the secondary market and promised me as the Investor a percentage of interest in the form of monthly dividend payments. Capital One never fully disclosed how I should properly redeem my payment and got mad at me for inquiring about my investment. Capital One proceeded to close my account. they states=d due to delinquency or " some other reason '' that they charged off this account. They stated that the account is permanently closed and the credit line is unavailable. they also stated that i wont accrue more interest or any past due fees and that i am still required to pay off outstanding balance. How do I owe a balance when Capital One promised me a percentage of interest from the trading of my note. Not only did they not fulfill their promised performance they also closed my account with no lawful explanation causing me grave damage and inconvenience. Furthermore, obligating the public to pay a debt of a bank or corporation is illegal and goes against public policy ( HJR 192 of June 5th, 1933 ( Public Law 73-10 HJR-198 48 stat ).
Product: Credit card

Received a letter that a online application was submitted on XX/XX/2023. I did not apply for any credit with Capital One or any other credit card company.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items appear on my credit report. Theses items were discharged in my bankruptcy years ago. These companies insist on trying to keep their information on my report. They are being spiteful.     ALL ITEMS WERE DISCHARGED IN Chapter  XXXX  Bankruptcy : INVESTMENT RETRIEVERS IN ( old car loa n ) IQ DATA INTERNATIONAL IN (  Illegal collection. We had military orders to move but they still sent us to collections and harassed us non-stop, called us liars even though we were stationed  XXXX  miles away )  XXXX   XXXX   XXXX   ( medical bill )  I filed for bankruptcy due to post divorce debt that I could not handle on my own. I did this to restart my financial situation and these collections agency are too vengeful and spiteful to take their garbage off my reports. I do n't care if these do not affect my score, they still show as  XXXX  OPEN collections when they are NOT OPEN and have/show a balance of {$0.00}.     Disputes through the credit agencies have done nothing.
Product: Money transfer, virtual currency, or money service

CoinbasePro account has been disabled since XX/XX/XXXX and I am unable to sell or transfer my funds. For some reason, my deposit of XXXX  did not go through with my bank and coinbase flagged my account. They froze everything and gave me a negative balance of {$1900.00}. After 5 days they automatically recover the {$1900.00}, but the rest of my crypto is still frozen and my account is still disabled.