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

In accordance with FCRA all the following accounts has violated my rights. XXXX XXXX XXXX # XXXXXXXX XXXXXXXX  XXXX XXXX. XXXX XXXXXXXX XXXX  XXXX XXXX XXXX. 
15 USC 1681 section 602A. My rights to privacy 15 USC 1681 section 604 A section 2. Consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1681a ( 2 ) ( a ) ( i ). EXCLUSION consumer reports does not include information solely as to transactions or experiences between consumer and the person making the report. I sent a written request for the credit bureau to address the violations.
Product: Debt collection

Please forgive me but I want to make a disclosure to you because I don't want to come off as deceptive. I attempted to make a complaint in XXXX but your website would only allow me to make a complaint in English. To this end, I am using a translator who is filing this complaint on my behalf while I am present to convey my words to him. I hope this is enough. The nature of this complaint is that I am tired of fighting an account with XXXX. For years I have been contacting XXXX  because I keep receiving collections notices from various different collectors saying I owe XXXX  money. for years the collectors have removed the account from collections only for the account to reappear with a different collection agency. Every time it does, I call XXXX and they swear I do not owe them money nor do they have any records of me owing them money. In the end I still have the account appearing on my credit report and hurting my credit. What am I supposed to do? I'm not familiar with procedures to go after the companies who are trying to mess with me and I'm not a person who likes to run to the courts for something which to me seems so simple. Can you please stop XXXX  from either lying to me or to get them to call the collection agencies who are reporting XXXX  collections and stop them from pursuing something I don't owe. If I really don't owe these bills, which I know I don't, then they shouldn't have a problem contacting people committing fraud in XXXX 's name.
Product: Debt collection

Jefferson Capital Systems LLC illegal acquired my private consumer credit report information. This company was not authorized to report on my behalf to the credit bureau. I did not give them written consent to report and/or acquire my personal information. I do not owe Jefferson Capital Systems LLC any money.
Product: Credit card or prepaid card

I have been with Wells Fargo for more XXXX  years and I have not ever been allowed to get a credit card with poor or good credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the course of 30 days. I have filed a dispute in regards to inaccurate and false information on my credit report. My first dispute was XX/XX/XXXX. Experian, is still reporting these incorrect items. According to the fair credit ACT, section 609 ( a ) ( 1 ) ( A ) they are required by Federal Law to only report Accurate information and the have not done so. They have not provided me with any proof i.e. and original consumer contract with my signature on it proving that this is my account. Further more Ive provided an FTC report showing this account is opened without my consent, proof that XXXX has removed this fraudulent account on XX/XX/XXXX, and a credit report that shows only Experian Credit Bureau reporting this fraudulent account.
Product: Consumer Loan

The company that I have my vehicle financed with will call my house, my work & my cell every 30-45 mins & when the answering machine picks up or voice mail starts, they hang up without leaving a message or call back number or anything. This is very annoying, harassing & downright unprofessional to say the least. All of our payments are made online & on time. I do n't know what their problem is but it needs to stop. They 're XXXX companies that I have this problem out of. They are Exeter Finance & XXXX XXXX. I will not recommend these companies to family or friends due to the fact this harrassment is constant, daily & lots of times late into the night whenever they call.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Accurate Background Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX Subject : Formal Notice of Intent to Sue for Violations of the Fair Credit Reporting Act ( FCRA ) and State Background Check Laws To Whom It May Concern, This letter serves as a Formal Notice of Intent to Sue due to multiple violations of federal and state background check laws committed by Accurate Background in relation to a background screening report provided to a prospective employer. These violations directly infringe upon my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and applicable Texas background check laws regarding reporting limitations and consumer protections.

Violations Identified Unlawful Inclusion of Outdated Adverse Information The background check report included negative information that exceeds the seven-year reporting limitation outlined in 15 U.S.C. 1681c ( a ), which prohibits consumer reporting agencies from disclosing adverse information older than seven years for positions with a salary below {$75000.00} per year.

Failure to Maintain Maximum Possible Accuracy Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy. The report contained erroneous and outdated public record information, demonstrating negligence in verifying data before dissemination.

Failure to Provide Full Disclosure Upon Request Pursuant to 15 U.S.C. 1681g ( a ), I am entitled to a full disclosure of the information in my file, yet Accurate Background failed to provide me with a complete and accurate copy of the report when requested.

Violation of My Right to Fair Hiring Consideration The erroneous background check has resulted in irreparable reputational harm, loss of income, and denial of employment opportunities, constituting willful noncompliance under 15 U.S.C. 1681n.

Legal and Regulatory Consequences If this matter is not immediately corrected, I will initiate the following actions : File a formal complaint with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) to request an investigation into your companys non-compliance with federal background screening regulations.

Pursue legal action in a court of law for statutory and punitive damages under 15 U.S.C. 1681n for willful noncompliance or 15 U.S.C. 1681o for negligent noncompliance, including recovery of attorneys fees and court costs.

Seek relief under Texas consumer protection laws, including those under the Texas Business and Commerce Code, for deceptive trade practices related to background screening services.
Product: Credit card

My ex husband XXXX XXXX has horrible credit, when I left him in XXXX he used my information to open up a business credit card using my information and his business. XXXX XXXX he got incarcerated and I started getting calls from debt collectors at capital one for this credit card. The limit I believe is {$3000.00}. Now this is on my credit as a collection. I reported the card as fraud with Capital One. The response was that since my social security number was correct in the application, then it is not a fraudulent account.
Product: Credit reporting or other personal consumer reports

This is my numerous requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4900.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

My paycheck is typically directly deposited on Wednesday which would have been XX/XX/XXXX. It is now XX/XX/XXXX, and I have no received my pay.
Product: Vehicle loan or lease

XX/XX/XXXX I loaned a vehicle from Honda Financial Services. 
In XX/XX/XXXX I became homeless and job less but was able to make my payments until XX/XX/XXXX. 
I spoke to HFS about it and they told me my repercussions but that it was better to pay something than nothing. 
XX/XX/XXXX I recieved a large lump sum payment and called to pay off XXXX. They refused the payment and said it was seriously delinquent which is why my online portal was shut down. I also updated them with my new address. 
XX/XX/XXXX They had repossessed my vehicle XX/XX/XXXX I called the company to make a payment or find out whats next and the person I spoke to refused to give any info, they said whatever I would need to be done on my part I would receive in the mail. I made sure they had my updated address again. 
In XXXX or XXXX I called again because I was going to file bankruptcy over this situation alone and they had told me the vehicle was sold. They gave no info including the date of auction, where, how much the amount owed or anything. 

I have disputed this on my credit report several times due to the it is showing different dates, one month it will say I made payments on these months, the next time some of those months are labeled as 30/60 days late. I never made a late payment until XXXX of XXXX. 

After calling and calling I finally sent two certified letters in the summer of XXXX, they did not respond to the first but had responded to the second, with backdated paperwork via mail with all the information that should had been given 5 and 10 days after reposession. It also states an address Ive never lived at XXXX XXXX now has been added to my credit report. 
The certified letter had stated about the deficiency in the state of Ohio and the time frame they have regarding a repossession. 

I again disputed it recently, to which they had updated every month from XXXX until XXXX of XXXX as being late and charged off. This has caused my credit score to drop and the negative item has stopped me from purchasing a home. 

To summarize, not only did they refuse my payment pleas, they violated Ohio State law and reported inaccurate information on my credit report as they did with several others in a lawsuit in Massachusetts.
Product: Debt collection

XXXX companies put me in collection when I did n't owe them. 
I had surgery while in the military and had an XXXX surgery at a XXXX hospital a few days later when I was XXXX. 
The hospital messed up paperwork and I never got any bills then months later I was put into collection. After finding out I got my insurance to pay which they had no issue. The collection company has really impacted my credit score and I want them removed my my name! What can be done to resolve the last part of this. They made my credit go down almost XXXX points!!!! 

The XXXX companies are XXXX and XXXX, they were affiliated with a terrible hospital in XXXX XXXX Texas called XXXX. This hospital was horrible and as I was was XXXX, they never gave me an XXXX till XXXX hrs later just before surgery! And my wife was cleaning up the XXXX and taking care of me as the nurses and doctors did nothing!
Product: Credit reporting or other personal consumer reports

IC SYSTEMS began to contact me about an XXXX account in XXXX. At that time I informed them that I did not have an XXXX account and I do not have a signed contract from IC systems. I have requested statements and documents to validate the account and I have not received anything. IC systems placed this collection account on my credit report in XXXX after I informed them that this account didnt belong to me.The account is not mine and I am requesting that it be removed from all credit bureau reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for more than 4 months writing to them concerning the improper reporting of items on my credit report. I fully plan to pursue litigation in accordance with the FCRA to implement my rights, seek relief, and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous written requests, the unverified entries still remain on my credit report in violation of Federal Law. they stated in their response to my dispute letter that they have verified accurate accounts which is a lie.They failed to send me copies of the proof that these accounts belong to me as per my request. they are required under the FCRA to have properly verified that an entry listed on my credit file is mine by having a copy of the original credit application on file proving that the entry is mine. It is obvious that they dont have any proof on file that the items are mine. When I go to litigation they will be required to produce said documents through the discovery process, and since they dont have the said documents in their files then that will be proof that they did not properly verify the items and they will have to be wiped clear. 

they have NOT provided me with a copy of ANY original documentation ( a credit application with my signature on it ) as required under Section 609 & Section 611 ( a ) ( 1 ) ( A ).

Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). You say that you have reinvestigated these accounts but it is obvious that all they have done is parroted information given to them by other sources and shifted the burden back to me to prove the accounts are not mine which is clearly in violation of 1681 ( a ) ( 4 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to ... promptly REMOVE all information which can not provide proof of verification.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all of the financial institutions above all violated15 U.S. Code 1681c - Requirements relating to information contained in consumer reports also15 usc 6802 a financial institution which has been listed above may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; the consumer is given an explanation of how the consumer can exercise that nondisclosure option. If XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not affiliated with EQUIFAX they can not disclose any nonpublic information to EQUIFAX without my consent which I have not given any consent. Also have violated 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. Also15 U.S. Code 1691 - Scope of prohibition.
Product: Consumer Loan

XXXX - On XX/XX/2016, I made an online payment of {$2900.00} to pay my account off. CreditShop 's web site did not show a pending payment and still shows a balance on XX/XX/2016 so I scheduled another {$2900.00} payment. However, went I left the web page and went back in, there was still no schduled payment. I called CreditShop and they confirmed that they were having problems with their online bill pay system. I offered my debit card to make the {$2900.00} payment, they refused as they can only use the bank routing and account number, which I did not have on me. On XX/XX/2016, I called to make the {$2900.00} payment and I was advised that the shows the payment of {$2900.00} pending and that it would be taken that night and the account paid in full. On XX/XX/2016, I called again as there was still a balance and the payment had not posted. Once again I was told that the payment would be posetd that night and account paid off. 

As of today, XX/XX/2016 the accoutn is still not paid off and the {$2900.00} from XX/XX/2016 has still not be applied to my account. My min payment is due on XX/XX/2016.
Product: Checking or savings account

we sent a wire transfer to a client to the XXXXXXXX XXXX XXXX 

we gave them all the info and confirmation on the wire, but the bank claims they did not get anything
Product: Debt collection

On XX/XX/year> XXXX XXXX send Rausch Sturm a Check For the Amount of {$1600.00}. Todays date is the XX/XX/year>. Is being 11 Days and this Issue is still not fix. My File Number is XXXX. My Name Is XXXX XXXX. I have spoken with Rausch Sturm on XX/XX/year> and they told me to call back on XX/XX/year>. I dont have time to be calling all the time. I being trying to Fix This Issue for Over a Months. I am Refinancing My Home at this moment and because of this all my paperwork is Stop. I need this Fix Immediately. Rausch Sturm should have the Check Already. XXXX XXXX Confirmed that the Check was send to Rausch Sturm on XX/XX/year>. Please look for the Check and Clean My Name. Please.!!!!
Product: Credit card

Paperwork is being sent to me via US Mail.

I believe XXXX of XXXX  has overcharged me by approximately {$1000.00} for XXXX, 2024, when I add up my purchases vs the total owed claimed by XXXX. 

XX/XX/XXXX -- I talked by phone to representatives who gave me confusing explanations. 

PREVIOUSLY -- I payed-off my credit card on XX/XX/XXXX by phone, based on what the comnputerized system told me I owed at that moment. The amount I payed was actually {$180.00} OVER that XX/XX/XXXX balance. 

According to the info the representatives gave me, there are around {$1900.00} of transactions in XXXX after that date, but XXXX claims I owe over {$2800.00}. 

The explanations seemed vague and unclear. 

I still believe XXXX is overcharging me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Almost 7 years ago I voluntarily gave back my car to XXXX XXXX XXXX Since then they sold the vehicle and never disclosed info with me. So instead of taking off sale of car off loan they have been charging me late fees. I am working with XXXX XXXX  and for the last three months they have been reporting missed payments to a closed case. I have tried reaching out however I never get the same person and the 2 times I gave them my debit card number to try and make small payments they were trying to take more than allowed. Any help is appreciated as it will be 7 years in XXXX.
Product: Credit card or prepaid card

I've seen no changes for the accounts that I have filed last month, I still see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Checking or savings account

I had a chase business account opened XX/XX/XXXX used up until XXXX when it was closed cause of a XXXX charge off account when I was XXXX XXXX XXXX, I asked what does a personal account have to do with a business and only received robotic answers.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Equifax, Experian & Transunion for improper and inaccurate reporting of a charged-off account on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, negative accounts must be reported accurately, and charge-offs can not be re-aged or repeatedly reported each month as a new delinquency. However, Equifax, Experian & Transunion has continued to report this charge-off incorrectly, damaging my credit standing.

I have attached details.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting fraudulent information regarding a dismissed chapter XXXX bankruptcy. The information has been disputed multiple times over the course of several years in attempts to have the information removed. Experian states the information is verified by XXXX. XXXX states otherwise, they do not have any information regarding a chapter XXXX bankruptcy being reported by them in the VERIFIED department of their data base. XXXX did state they do have information in their UNVERIFIED department which from their statement, " Under the FCRA, can not be used for credit decisions, personal information, job placements etc. '' If Experian is using unverified public records from XXXX they are violating this act and my right as a consumer. Attached is XXXX report stating they do not contain the information Experian is stating they provided.
Product: Debt collection

Original Creditor XXXX, XXXX XXXX XXXX, XXXX, GA, XXXX Filed judgment Case # XXXX XXXX XXXX XXXX XXXX XXXX, the judgment was paid in full for the amount of {$2700.00} and I have a copy of the judgment being satisfied dated XXXX/XXXX/2014 from the creditor and the court. After the judgment was satisfied the account was also turned to a collection agency National Credit Systems , Inc., XXXX XXXX XXXX, XXXX, GA, XXXX for the EXACT SAME ACCOUNT, EXACT SAME ACCOUNT NUMBER THAT I HAVE ALREADY PAID AND SATISIFED IN THE XXXX XXXX COURT. They continue to call and harass me ( which I have blocked their number ) they refuse to listen when I have tried to talk to them and they are violating collection law and my rights by continuing to try and collect on a debt that 's been satisfied. They are also duplicate reporting the debt on my credit records as a collection that I owe. I would sue if I could but would not know where to start.
Product: Checking or savings account

I was told over the phone with XXXX XXXX XXXX by XXXX in XX/XX/XXXX that my  accounts were closed. His company lied to me about services that would be available to me repeatedly in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Rather than close my accounts they quietly collected all of my remaining funds ( FRAUDULENTLY ) and then charged for 3 months more " service '' in the accounts. Now they have HARASSED me repeatedly, REFUSED TO ANSWER MY COMPLAINTS, and FRAUDULENTLY STOLEN MY FUNDS SINCE XX/XX/XXXX. The company allegedly records all phone calls and will not allow you to record them, but can not disprove my consistent and documented story. They have not responded satisfactorily to my complaints and are rude and unintelligent ( or perhaps poorly trained ) in my communications with them. This CORPORATE ENTITY is taking advantage of me, A HUMAN, AMERICAN, CITIZEN, and I demand that they and the CFPB resolve this issue promptly by immediately returning all funds in my account as of XXXX XXXX, and ceasing and desisting any and all attempts to collect the fraudulent {$60.00}. CHASE LIED AND NEEDS TO BE HELD ACCOUNTABLE!
Product: Credit reporting or other personal consumer reports

I have not supplied under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX