23daVinci/CFPB_Complaints huggingface dataset:
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. 

Ally Financial ( Account # XXXX {$40000.00} ) 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 a account without my written instructions. 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 card or prepaid card

While flying Spirit, we were presented with the opportunity to get their XXXX which would give us XXXX bonus miles, they advertised as worth 2 round trip tickets. We applied and were approved. Since then we have accumulated more than XXXX miles and anytime we try to redeem our miles, the cost of using miles is monetarily MORE than just purchasing the tickets. A trip from XX/XX/XXXX-XX/XX/XXXX would cost XXXX miles + {$110.00} versus paying {$100.00} using NO miles. They claim it 's because of the Award Redemption Fee that applies between 21-180 days. I looked to book XX/XX/XXXX-XX/XX/XXXXand that would cost XXXX miles + XXXX versus {$110.00}. I feel this practice of soliciting card membership with the promise of reward miles that are useless is unfair and deceptive. We received and used their XXXX, which had a higher interest rate then our other cards, under the belief we were accumulating miles which would result in a benefit of at least 2 round trip flights.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 that a consumer reporting agency can not furnish an account without my written instruction These rights have been violated by the following accounts being listed on my credit reports : State of MI office of C. for over {$5000.00} and {$8000.00} US Bankruptcy CT GA XXXXXXXXXXXX which was discharged
Product: Credit reporting, credit repair services, or other personal consumer reports

It is fact that I, the affiant, have tried to resolve this matter on numerous occasions dating back to XX/XX/XXXX with XXXX XXXX XXXX. They have continued to violate my consumer rights using my consumer credit to harass me for a total of {$5900.00} as well as blackmailing me stating they would harm my reputation if I did not comply which is illegal under 15 USC 1691 ( A ) ( 2 ) ( B ), 15 USC 1692J, 15 USC 1602 ( P ), 15 USC 1692B ( 2 ), 18 USC 873, and 15 USC 1692d. I have also asked them to produce the original instrument in which I have signed for this alleged debt and they could not provide it. I was recently informed that they have closed and sold my account to another debt collector, XXXX XXXX, being in violation of 18 USC 798, 15 USC 1692c, 15 USC 1692D ( 4 ). I have tried to handle this with XXXX XXXX on the dates of XX/XX/XXXX and XX/XX/XXXX. They continue to violate me with their negligent and willful behavior which has not only damaged my reputation with loan balances and late payments, causing not only my credit to be denied, but also made me lose income, caused mental anguish, and XXXX inhibiting my ability to properly take care on my baby
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Credit Burea has taken more than seven ( 7 ) months to investigate reported information on my credit report. Items such as accounts not mine, inquiries not associated with an active account. 

2. Even after mailing notices and demand to delete/remove inaccurate and incorrect account informationn and inquiries, the bureau simple refuses to provide proof/evidence of it's investigation. 

3. I personally contacted the Bankruptcy Court Clerk in XXXX Texas who confirmed that it does not verify any bankruptcy filing with any third parties or credit bureaus. However, in their report regarding each my demands to delete the information, they state that the bankruptcy has been verified as accurate. This is a lie! It has been more than 15 days. It has been more than 30 days. It has been more than seven ( 7 ) months in the year of 2018.

4. I have personally given all three ( 3 ) bureaus my consent to delete/remove negative information by phone and in written form. 

5. As of today, I pay XXXX  and Transunion for credit monitoring. However, they will not provide me with any credit scores for their company or the two others. The reports have said " NO SCORE AVAILABLE '' for more than four ( 4 ) months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of the West is inaccurately reporting a balance. This mortgage was refinanced by XXXX XXXX Mortgage yet Bank of the West is still reporting a balance. Please correct and update the balance to zero with Bank of the West.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX 1904 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX AUTO XXXX XXXX Balance {$2600.00} XXXX XXXX Balance {$720.00} XXXX XXXX XXXX XXXX Balance {$930.00} XXXX XXXX XXXXXXXX Balance - XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX Balance {$470.00} XXXX XXXX XXXX XXXX Balance {$250.00} XXXX, XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Balance {$2100.00} XXXX : XXXX XXXX 1904 XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance {$200.00} XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Balance {$470.00} AD XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX Balance {$250.00} XXXX XXXX XXXXX Balance {$450.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX 1904 XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX LAKE XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$710.00} CAPITAL XXXX AXXXX XXXX  XXXXX Balance {$2600.00} XXXX XXXXXXXX  XXXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX XXXXX Balance {$600.00} XXXX XXXX XXXX XXXXX Balance {$2100.00} AD XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXXX Balance {$470.00} XXXX XXXX XXXX XXXXX Balance {$250.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2022 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER XXXX USC XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX -- {$4800.00}
Product: Credit reporting or other personal consumer reports

I have 3 inquires on my credit report that I do not recognize and that needs to be removed immediately as it is affecting my credit score and loan applications
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is a formal request for a re-investigation of the accounts listed below. The previous items were claimed to have been accurate or verified. The error on my credit report that was addressed is inaccurate and your refusal to comply with my dispute request is not acceptable. If I receive another response that stalls the correcting of the errors on my credit report, I will be forced to take additional actions to ensure my rights are honored. Please DELETE this account form my file : Original creditor : XXXX Date opened XX/XX/2021 XXXX $ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted XXXX dispute investigations to Transunion Credit Agency regarding my XXXX  XXXX Account and XXXX account and I request how the account was verified and i never get back the proof on how the account was verifiyed nor do I received a copy of my signature on the original document so I can confirm this account is infact mine. XXXX and XXXX both deleted the XXXX accounts as they said they were unable to produce what I requested and Transunioon no matter how many disputes I send I never receive the information I request nor does the account update on my credit report.
Product: Debt collection

There shouldn’t be anything on my credit as I have done bankruptcy years ago and mailed to all credit bureaus and most of things on my credit have been on there over 7 years but credit bureaus are so lazy to take them off, I have called, written letters and explanation of why my credit should not have anything on it. 
I even ordered my credit report from all 3 credit bureaus and they all have so many different names under my name that is not me as my identity has been stolen and I have mentioned to all credit bureaus but they don’t seem to care to even fix or take off the names that are not my name on my credit. I’m very disappointed with all the time I have wasted to communicate back and forth with credit bureaus with no respond or changes.
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NV XXXX Subject : Complaint against XXXX XXXX XXXX Dear Sir/Madam, I am writing to file a complaint against XXXX XXXX XXXX XXXX who I believe has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

The debt in question has not been properly verified by XXXX XXXX XXXX, despite my request for verification. The details about the original debt and the amount owed have not been clarified to me. 

On multiple occasions, the agents of XXXX XXXX XXXX have refused to send proof of the debt, stating they will not settle even though I have sent a letter to that effect. They have also disclosed information to a third party, which I believe is a violation of my rights under the FDCPA. 

Furthermore, once I had informed them about filing a complaint with the FDCPA, the agents stated they would no longer communicate with me. They refused to assist or accept payment and threatened to negatively impact my credit score.

I believe these actions are violations of the FDCPA, which requires debt collectors to provide verification of the debt, prohibits disclosure of debt-related information to third parties without the debtor 's consent, and outlines fair and respectful treatment of consumers. 

I respectfully request that the CFPB investigate this matter and take appropriate action. Please inform me of any steps I need to take to assist in this process. 

Thank you for your attention to this matter. 

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

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX XXXX XXXXXXXX ... XXXX XXXXXXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

The XXXX XXXX Firm sued me in which they told the judge that I was served. I never received the court papers I have no idea who they gave the papers to. I missed the court date.They won by default judgement. The complaint was supposed to have been mailed to me also, but who reads mail in which they have no knowledge of. My accounts was frozen, my only means of support for my son and myself. I was not on the look out for this company or the lawyers representing them because the debt was not my own. I myself and my son went without food and basic needs because of the frozen account. I had to file a response to have my accounts unfrozen. I explained my situation to the courts, because this debt had been so long ago I wasn't sure if it was mine. The debt was from 2001, so I filed an exemption but after careful research I found no record of myself applying for a Citi Platnum Select credit card. I filed a motion to set aside due to fraud, the law firm denied my claims. I then was told by the lawyer to file a identity theft claim. I did this and they denied my claims.
Product: Credit card or prepaid card

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 U.S.C 1681. 

Account number ending in XXXX 15 U.S.C 1692f unfair practices states that a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation.

15 U.S.C 1692c ( a ) communication in connection with debt collection states without the prior consent of the consumer given directly to the debt collector or the express permission of the court of competent jurisdiction a debt collector may not communicate with a consumer Capital One raised my spending limit without asking me the consumer if that's what I wanted and immediately closed my account after one late payment. I was sent a letter after I tried to make payments but they wouldn't post and my transactions wouldn't go through. How do I owe money to Capital One when it was my money going into the account. Capital one has violated my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the following account below and talked to them about the issue with my account as reported by the EQUIFAX. They have advised me that they will remove the late status on my account however, as I reviewed my recent report, the late status is still reported. I am not sure how the EQUIFAX came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment story that is being shown in my report. Please update the status of this account immediately. XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020, Synchrony Bank closed two of my Credit accounts based on a risk of non payment. I had never missed a payment nor was I given any warnings. 

On XX/XX/2020 I contacted Synchrony Bank who stated they closed my accounts due to having too many accounts with Synchrony Bank Synchrony Bank is adversely affecting my credit scores with the closing of my accounts. 

I can only surmise Synchrony Bank is discriminating against me due to either my race or the belief that I have been somehow affected by this Covid19 epidemic
Product: Debt collection

Capital Accounts has been trying to collect a debt from XXXX XXXX whom I never been too. I could only assume XXXX XXXX bought out my XXXX XXXX XXXX XXXX. In XX/XX/XXXX I went to XXXX XXXX XXXX XXXX to XXXX XXXX XXXX. They had difficulty matching the color after 3 trys they asked me to drive downtown to the XXXX XXXX in turn they offered a discount leaving my bill to {$390.00} which was paid via XXXX XXXX XX/XX/XXXX2011. I 've explained this to Capital Accounts numerous times. In the period they 've had this the balance owed has increased 3 times.
Product: Mortgage

On XX/XX/2020 I was quoted closing costs of {$8500.00}. Then my lender went silent. Communications from me were not returned, no one could explain what was happening and my closing date of XX/XX/2020 came and went without an update on why it was not met. On XX/XX/2020 I received loan disclosures citing my closing costs were now {$11000.00}. I attempted to call and ask why the price had increased {$3000.00} and no one was able to explain anything. Upon my own research, {$3000.00} had been added for mortgage points that had NEVER been discussed with me. Here we are on XX/XX/2020 and I still have not closed on my house, I have not received updates, and still do not know when I will close. This company has been unprofessional, unorganized, and this process has been a nightmare. I have had to provide copies of documents MULTIPLE times as it seems they are never given to the appropriate party. My appraisal wasn't even scheduled until XX/XX/2020.
Product: Debt collection

I tried to apply for an apartment and come to find out I was declined because they checked credit. I never was informed about credit or how important it was so I never took it seriously. Until the apartment told me I have a collection account that is in debt and tanked my credit score to XXXX. I never applied for any credit cards or anything that has to do with credit. I told my father and we went to the XXXX police station and filed an identity theft report with officer XXXX case number is XXXX I filed a ftc report and I did that too. I need this removed immediately so my life can be back to normal. I cant even find housing because of the thieves. I need this removed immediately I am also in the process of putting a freeze and if theft alert on all three credit bureaus!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX did not even reach out to me or offer me help with my payment after running behind this month, before they threw a 30 day late onto my credit reports on XX/XX/2021 which dropped my credit score XXXX pts and it was already low at XXXX not because I do not pay well, had excellent pay history but because of my student loan debt! I had a perfect pay history and work for the State of IL IDES!!! I want them to help me and remove that 30 day late!! I am a twice widowed mother doing all on my own and need some help!!!! I not only paid the past due amount but this months full payment as well on XX/XX/2021 which is when I got paid and the soonest I could yet they still turned around and ruined my credit score and I have two cards with them and always pay on time!!!! 

We have processed your request to schedule a payment for your XXXX XXXX account. If you did not make this request, please contact Customer Service immediately. 

You can confirm cancelled, scheduled or received payments by clicking here. 


Sincerely, XXXX XXXX  Customer Service Completed Transactions Filter Activity Since XXXX XXXX Statement Sort by : XX/XX/XXXX PAYMENT - THANK YOU $ XXXX XXXX XXXX 30 DAYS LATE Credit Cards {$1900.00} Status Date Reported XX/XX/2021 Payment Status 30 Days Late Amount Past Due {$150.00} Account Details Account Type Charge account Responsibility Individual Age Of Account 0 Years, 7 Months Credit Limit {$2000.00} Credit Used 98 % Available Credit {$45.00} Highest Balance {$2100.00} Payment Details Amount Past Due {$150.00} Date of Last Payment Dec 01, 2021 Monthly Payment {$100.00} Payment Frequency Not Reported On Time Payments 100 % Worst Pay Status Current Lender Info C/o XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX Payment History 2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX her doing all on my own and need some help!!!!
Product: Checking or savings account

JPMORGAN CHASE BANK, NA XXXX TX XXXX I was with CHASE Bank from XXXX XXXX with no complaints or issues until XXXX. That's when they suddenly closed my checking account without informing me. They accused me of committing wire fraud because people sent money to my account for a family member. After the money was transferred it made my account overdrawn and the bank locked my account. Started an investigation and then started keeping my direct deposit from my social security checks that were still coming through. They refused to give me my check. Saying I owed the money to the bank which I didn't. The bank is the one who made my account negative from the wire transfers.
Product: Mortgage

I am currently in a Chapter XXXX and whenever I am late paying my mortgage I have to pay the back payments and the Bank Attorney Fees. I have been denied loan modifications and I am consistently harassed via mailed by Pentagon Federal Credit Union and there Attorneys. I am having a hard time financially and filed chapter XXXX twice and I am working really hard to pay the back payments and need a modification and have been denied a modification twice. I think I am being treated this way because I am a minority and my house is in XXXX DC. I think its unfair that I am paying attorneys fees for the banking institution. My mortgage payment is {$1600.00} there attorney fees are {$510.00}. They have also scheduled court dates in addition to receiving payments. I really want to stay in my house and need help from the bank not be treated unfairly. Like the letter in this attachment I was late paying XXXX payment and now the Bank attorney wants an additional {$150.00} plus {$510.00} that I sent along with the mortgage payment of XXXX. I have all the documentation letters, payment receipts over the years were I have paid Pentagon Federal Credit Union Attorney Fees. I want it to stop!! For the record the house is contaminated, filled with mold, termites and water damage. I am taking all the extra money I have to repair and restore this home. I need help!!! I really need help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX XXXX - XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX