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

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S. 1681 SECTION 602 A. STATES 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

ON XX/XX/2022, XXXX AND EQUIFAX FALSELY REPORTED XXXX XXXX XXXX XXXX FOR {$340.00} WITH A 346 MONTH TERM AS A COLLECTIONS ACCOUNT ON MY CREDIT PROFILE. THIS WAS AN AUTO INSURANCE POLICY I SIMPLY CHOSE NOT TO RENEW. I HAVE CONTACTED ALL PARTIES VIA PHONE AND DIRECTLY THROUGH THE CREDIT BUREAUS WITH NO SUCCESS.
Product: Credit reporting or other personal consumer reports

I have called XXXX XXXX and XXXX XXXX XXXX several times to figure out what is going on regarding missed payments for a XXXX automobile. The only missed payment that should have been reported was for XX/XX/XXXX, which was then paid in XX/XX/XXXX. Around XX/XX/XXXX, missing payments from XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX  were reported to the 3 credit bureaus. Both XXXX XXXX and XXXX XXXX XXXX are saying they do not report missing payments to the credit bureaus, but neither will give me something in writing stating same. I have even asked for logs of the missing payments, but no one will respond. I can not get a copy of the signed lease agreement or financing documents. XXXX XXXX XXXX refuses to acknowledge in-writing that the vehicle 's whereabouts are known to them, they just refuse to get the vehicle. Overall, this is very fraudulent behavior- especially given that XXXX XXXX was willing to settle and close the lease agreement after the XX/XX/XXXXXXXX  payment was made.
Product: Credit reporting or other personal consumer reports

After viewing my credit reports through multiple avenues. I was made aware of a breach of information to the following ; -Social Security Number -Life Insurance Policies taken out in my name -Accounts Opened and Used without permission I have contacted a legal representative in regards to the above mentioned. I was told to contact the FTC and was re-routed to the Cfpb. 
I will also be making contact with the Social security Office in XXXX XXXX  to place a freeze on my social security number as well as my XXXX XXXX to safeguard all non-compromised accounts. Please contact me as soon as possible. 

Respectfully, 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 XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) -I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX XXXX XXXX Balance - $ XXXX Systems Balance - $ XXXX XXXX XXXX Systems Balance - $ XXXX XXXX Systems Balance - $ XXXX
Product: Checking or savings account

My social security and rent was paid in my bank of America checking account and bank of America took all my money from my social security which XXXX XXXX XXXX XXXX that left my rent money that was posted on XXXX XXXX {$870.00}, now bank of America stop payment of {$870.00} costing payment {$900.00}. XXXX and on XX/XX/year>, on bank of America account showing the {$870.00} credit pending process until XX/XX/XXXX at XXXXXXXX XXXX that bank of America representatives claim they said it is nothing they could do.
Product: Mortgage

The property in question was sold through a short sale in 2008. California has since outlawed the collection of a deficiency balance for a primary residence after conducting an approved short sale. Collection of this debt is illegal under California law and this company is now bringing it back and damaging my credit some 15 years after this transaction was completed. Unfortunately, given the age, I am no longer able to locate documents from the completed short sale though they have sufficient records to confirm the loan was closed and lien released based on an approved transaction.
Product: Debt collection

A debt was posted by XXXX XXXX XXXXXXXX XXXX also known as Mitchell D. Bluhm & Associates , LLC. This collection was posted on my credit score in XXXX for a bill that had been previously dropped by another creditor almost 5 years ago. This collection agency placed a brand new remark on my credit score without notifying me previously via any written communication. I had no idea the debt was still owed or my course of actions that needed to be taken to resolve the matter, no mail or email was sent or received by me which included this information along with the information about possibly disputing the debt itself.
Product: Debt collection

I received the letter sent by PORTFOLIO RECOVERY ASSOCIATES , LLC saying they were attempting to collect on a debt from XXXX Bank. However, I asked asked both companies via written correspondence ( XXXX XX/XX/XXXX & XX/XX/XXXX ) to provide proof ( validation and verification ) that I owe this dept. All I received was a screen shot of a bill with my name on it. I sent multiple letters to PORTFOLIO RECOVERY ASSOCIATES , LLC and received no resolution. Only received a screen shot of a bill with my name on it. XXXX Bank didn't respond at all. Filed a complaint with the XXXX XXXX XXXX this is currently in process. Complaint in court and was dismissed due to small claims court in Massachusetts not having jurisdiction. However, PORTFOLIO RECOVERY ASSOCIATES , LLC did not show for the court date and was served with notice. Also disputed via XXXX, XXXX, and XXXX and was told debt was valid with no explanation of how it was validated, and I specifically asked for this to be explained. I don't trust any of these methods of validation when I have documented proof of the same thing happening with 2 separate companies and I was told the debt was valid by the reporting agencies and the supposed debt collector couldn't & removed it. This is defamation of character and having a negative impact on my credit and my financial reputation. 
I sent multiple letters to PORTFOLIO RECOVERY ASSOCIATES , LLC and XXXX Bank, receiving no resolution. Only received a screen shot of a bill with my name on it from PORTFOLIO RECOVERY ASSOCIATES , LLC. I Filed a complaint with the XXXX XXXX XXXX this is currently in process. Complaint in court and was dismissed due to small claims court in Massachusetts not having jurisdiction. However, PORTFOLIO RECOVERY ASSOCIATES , LLC did not show for the court date and was served with notice. Also disputed via XXXX, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

Discover you are in violation of the Gramm Leach Bliley Act by law before sharing my information you must give me the opportunity to exercise my opt out notice You ( Discover ) did not disclose this information to me that is required by law. 
Discover knowing and willfully withheld information regarding the disclosure of my information to affiliated and non affiliated third parties. Discover knowingly and willfully withheld information that explain how I the consumer can exercise that non disclosure option You have 10 days to delete this account # XXXX from all credit reporting agencies and please be aware Under GLBA, penalties for non-compliance can include fines of up to {$100000.00} per violation, with fines for officers and directors of up to {$10000.00} per violation. 

Im not asking to provide me with a statement or terms and agreement Im asking to provide me with my opt out notice and private policy notice or delete this account immediately from my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a Capital One credit card on XX/XX/XXXX and have had exceptional payment history, except for three ( 3 ) late payments in a row - XXXX, XXXX, and XX/XX/XXXX. This was due to bank processing errors. I submitted a letter to Capital One from the bank confirming this and they have not removed these late payments from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

After entering all my correct identifying information ( DOB, SS #, address, Experian PIN, etc. ), the Experian unfreeze credit files web-page refused to unfreeze my credit files. 
I tried calling XXXX different Experian customer service phone numbers, entered all the same information, and got the same refusal.
Product: Credit reporting or other personal consumer reports

I am a victiom of fraud crime and most accounts reported to Equifax are fraudulent and needs to be deleted. police report was filed with a XXXX  police department XXXX XXXX.
Product: Student loan

Navient frequently locks me out of my account. On XX/XX/2017 -- I changed my password and stored it in my XXXX cloud keychain. When trying to log in later in the day, it promptly told me that my password was incorrect and locked me out of my account. This is at least the 3rd time it has happened. On top of that, when you change you password ... you 're not allowed to use any of your previous XXXX passwords. This password reset and change cycle makes it infinitely more complex to attempt to log on regularly to pay your student loans. 

In addition, they 've been allowing individuals other than myself to change account information such as contact and address information in order to collect money from family and relatives. I know this because I have seen my billing and contact information change to either my mother 's or brothers ' phones, addresses or email addresses -- this has caused considerable strain on our family relationship. This loan is not cosigned or any other way involved my relatives. 

In addition, their recurring payment option only works if your account is current ... meaning if you decide to use it while your account is overdue, it never processes a payment even if your automatic payments will meet or overpay the current balance due. With the problem of signing into your account as stated above, you can see how individuals will just end up failing to pay on time or to bring their accounts current. 

If you 'd actually like to pay your bill not online, it requires then calling them and setting up a phone payment which you are promptly charged a fee for. 

Currently have now waited over 19 minutes from when I was suppose to get a guaranteed call back from customer service regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX  this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Product: Debt collection

To whom it may concern, I am submitting this letter to dispute one ( 1 ) in proper XXXX XXXX that is appearing on my credit report. On XX/XX/2014 09 XXXX XXXX XXXX are stating that I owe a previous balance XXXX. I do not have any knowledge of the debt that the company is demanding, I would like a full investigation of this matter. 

With all the information that I have provided to you, I ask that my complaint be conspired as a dispute or considered as fraudulent charges made against me.
Product: Debt collection

Cancelled service with XXXX XXXX on last day of billing cycle XXXX. I called and they were having phone issues and couldn't get through so I emailed them at XXXX. I called back the next day to confirm it was cancelled on XXXX and they said they couldn't accept cancellation that they would cancel today but wanted to see what they could do to keep my business. They could have cancelled they just chose to bill me for another month when there system wasn't working on the last billing cycle day. I had spoke to them almost 3 days a week trying to fix constant issues with them prior to XXXX. I told them It has been the worst service I've ever had in the last year and I have purchase XXXX. I was paid up to XXXX because billing was month in advance. They sent me a new bill for XXXX XXXX XX/XX/XXXX XXXX. I did not have service nor had any equipment hooked up with them. I have disputed this multiple times with them and several collection companies where it was approved and removed from my credit. Then my file gets sold to other companies and it starts over again. I have reached out to them and XXXX XXXX again this year which XXXX XXXX was going to send out documents for me to fill out but I never received them nor understand what the lady was saying she was sending out. I should not have to continue to file something when I proved my case over and over and it was cleared off my credit report. I sent in all documents and verified that the amounts don't even add up correctly. I don't know where they get XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously opened a case regarding fraudulent credit inquiries appearing on my credit report from Capital One. The previous CFPB case was case # XXXX. Capital One promptly investigated my claim and found that these inquiries were in fact not authorized by me and requested that the credit bureaus remove them. XXXX and XXXX promptly removed the inquires. XXXX did not. I contacted XXXX directly through the CFPB and attached the letter from Capital One stating their intention to have the inquiries removed. XXXX responded to the CFPB and told the CFPB that they would investigate my claim. XXXX did not investigate the claim. XXXX opened a dispute which they close a few hours later and responded to the dispute stating that inquires were a matter of fact and that they would not remove them from my credit file. I am requesting that Capital One once again reach out to XXXX and request the removal of the fraudulent inquires. I have attached a copy of the letter from Capital One regarding the inquires which states the inquire ID and the date of each fraudulent inquiry to this complaint. I would also ask that the CFPB take action against XXXX for not following the request of Capital One and my request to investigate and remove the inquires. Capital One requested the inquires be removed in XXXX and it is now the end of XXXX and the inquiries remain on my credit report. I have copied Capital One and XXXX on this complaint. I have also attached screenshots of the inquires still showing on my credit report as well as screenshots from XXXX 's online dispute system showing that they opened and closed the investigation into these dispute within a few hours, did not actually open an investigation and denied me my rights under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, Account XXXX XXXX XXXX XXXX and Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and Account XXXX XXXX XXXX XXXX  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 account with my written instructions.

15 U.S.C 1681e ( b ) and 15 U.S. Code1681i ( 5 ) This account in violation is not reporting 100 % accurate it lists the child support court as the furnisher that is forgery and misleading when the courts do not report this type of account.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. section2 : States a consumer reporting agency can not furnish a account without my written consent XXXX TransUnion XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account Charge account Bureau Code : Individual Individual Individual Account Status : Closed Closed Closed Monthly Payment : {$100.00} {$100.00} {$100.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$3100.00} {$3100.00} {$3100.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$3300.00} {$3300.00} {$3100.00} Credit Limit : {$3100.00} {$3100.00} {$0.00} Past Due : {$380.00} {$380.00} {$380.00} Payment Status : Late 90 Days Late 90 Days Late 90 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Canceled by credit grantor Account has been closed due to inactivity.

Accounts closed by credit grantor Charge Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history
Product: Credit card

I applied for a Barclays XXXX XXXX credit card with the purpose of transferring {$12000.00} from my XXXX credit card to the Barclays card. I was only approved for a {$2000.00} credit line for the card. I was under the assumption that since I was not approved for the full {$12000.00} that I would have to worry about the transfer but unfortunately Barclay submitted a transfer of less than the requested amount with my knowledge or approval.
Product: Credit card or prepaid card

I have contact the bank and was expecting a call back when I called at 2 but never received one its past there closing hours. The wait time was XXXX hours and XXXX minutes. I have today the XX/XX/11 to pay my bill but the bank closed my account because of fraud and wont let me access my funds to pay the account until XXXX hours when they issue something that has to do with me picking up the money from a bank. I dont have any more money the only money was in my bank and if the bank cant offer me at least {$25.00} then how will I pay if they closed my account.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or
delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
DEPT OF EDXXXX XXXX Balance : {$47000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$30000.00}
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

Account Name : XXXX - LENDING USA Account Number : XXXX Monthly Payment : {$160.00} Date Opened : XX/XX/2016
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 U.S.C 1681. 

( XXXX ) Dept of educationXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Dept of educationXXXX # XXXX Dept of education/XXXX # XXXX Dept of education/XXXX  # XXXX Dept of education/XXXX # XXXX Dept of education/XXXX  # XXXX Dept of education/XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Equifax ) XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Dept of Ed/XXXX XXXX XXXX Dept of Ed/XXXX # XXXX Dept of EdXXXX # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A. State I have the right to privacy. 

15 U.S.C 1681 section 604 A. section 2 : Also states a consumer reporting agencies CAN NOT furnish an account without my written instruction and consent.

15 U.S.C 1681c. ( a ) ( 5 ) Section States that 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. 

15 U.S.C 1681b-2 States permissible purpose must be given to corporations to report any information on the consumer.

15 U.S.C 1681a-2 ( A ) ( 1 ) States that the transactions and experiences between the consumer and the person making the report is not to be included on the consumer report.