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

The following accounts are fraudulent accounts ; XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. And these inquiries as well 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts and inquiries are hurting my credit and my ability to buy a home. 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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case,
Product: Credit reporting, credit repair services, or other personal consumer reports

YOUR COMPLAINT I have some fraud and derogatory accounts reporting on my credit report, I have contact the creditor directly by certify mail going back to XX/XX/2017. I also create a dispute with the three credit bureaus XXXX, XXXX, XXXX XXXX please help to get this out of my credit. I would like to have a right to sue civil please issue me a letter with a right to sue and collect damages. I will attach all the certify letter sent to the creditor. Thank you
Product: Credit card or prepaid card

Company closed my credit card account on XX/XX/22 without prior notice at all and they wont let me redeem my cash back reward points of {$310.00} that Ive earned with them, Ive called customer service on XX/XX/22 to discuss why theyve closed the account off and why theyve not called me or notified me before closing it so XXXX couldve redeemed my earned points with them But all they said is that once an account gets closed theres no reconsideration on reopening it & theres no way to redeem the points
Product: Credit reporting or other personal consumer reports

I have contacted all parties ( credit card and credit bureaus ) that these accounts are not mine multiple times. The XXXX accounts don't even have my correct address attached to them. These are fraudulent accounts and need to be removed IMMEDIATELY. The credit bureaus and credit card company is in violation of 15 US Code S 1681-c2. It has been more than XXXX  days and you are in violation of this law because I am a victim of identity theft. Please remove these accounts immediately from my report.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please Investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : 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 XXXX XXXX XXXX XXXX XXXX XXXX ( MRS BPO , LLC. ) XXXX XXXX XXXX XXXX : ( MRSBPO ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute Concerning XXXX XXXX XXXX XXXX Blackwell Recovery Reporting On My Credit Report There was a hostile management take-over at XXXX XXXX XXXX XXXX location in XXXX, TN. a couple of years ago. The new management company advised me and my family that the prior management company was not licensed to manage timeshare projects in the state of Tennessee. The new management company gave us the option to withdraw or opt out of our timeshare interval. We exercised our option and opted out. 
The prior management company later regained control of XXXX XXXX XXXX management and a class action suit was filed. We joined the class action lawsuit. A negative report was placed on my husbands credit report, which was later removed when we advised the reporting agency about the circumstances and the class action lawsuit. 
Now, several years later, a negative report has been placed on my credit report. We have paid in full for each timeshare interval we used at XXXX XXXX XXXX. We do not owe any additional money. XXXX XXXX XXXX has continued to charge our closed account for each interval since we opted out of the timeshare. 
This negative report needs to be removed from my credit report. I have filed a complaint through XXXX and Blackwell Recovery falsely indicates the report is accurate and refuses to remove the incorrect information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my consumer rights. XXXX XXXX XXXX XXXX has violated my consumer rights. XXXX XXXXXXXX XXXX has violated my consumer rightsXXXX XXXX XXXXXXXX XXXX has violated my consumer rights. * 15 U.S.C 1681 Sec 602 A : States I have the right to Privacy.

15 U.S.C 1681 Sec 604 A. Sec 2 : Also states a consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 166b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

15 U.S CODE 1692c ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

I have never given prior consent or had any contractual agreements with any of these creditors agreeing to report misleading representations of myself, the consumer. Please ensure the creditors and credit reporting agencies correct all errors relating to payment history, late payments, payment history etc. I have never consented to any such terms of agreement. Please ensure all investigations will be METRO2 COMPLIANT and resolve their reporting Innaccuracies.Thank you
Product: Credit card

I have a {$2000.00} Spark BUSINESS card with capiltal One for 3 years now. According to their internals, based on our phone conversations, I spend around {$3500.00} - {$6000.00} per month on that card. Yet they have REFUSED ( 3x ) to increase my limit, while continuing to NEGATIVELY report XXXX XXXX XXXX XXXX XXXX on my PERSONAL credit profile about said Business card. 
I've asked their representatives numerous times to get me in touch with a live person in their credit department in case thst was an algorithmic issue, they have categorically REFUSED to do so.
Product: Checking or savings account

I am writing to file a complaint against Navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issues aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

Dear Transunion, XXXX XX/XX/2020, I sent a CERTIFIED letter requesting that you reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. 

The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 

I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. 

The following negative account is listed below : XXXX XXXX  # XXXX {$2200.00}
Product: Vehicle loan or lease

I purchased the car in XX/XX/2020 first payment due in XXXX of 2020 However i never received any paperwork with an account number any way to make payment no statement book no monthly statement. I called several times and they could not find my account due to a clerical error in the social security number. I was finally able to get through to resolve the problem in XXXX after calling both the local offices in which they could not do anything as they could not do anything with car loans and the customer service number could not the account. The agent i spoke with in XXXX advise he would waive the XXXX late fees plural fees from my account due to not getting statements and not able to resolve this issue prior. The second late fee which was from XXXX was not waive. Now the company is saying they will not waive it even though their agent advise they would. I have spent many hours trying to resolve this and kinda feel now im owed more than the XXXX late fee to be waives as I make XXXX an hour and have spent hours in trying to get this back on track i pay every month and i pay more than what the amount is due. This fee resurfaces on my XXXX bill increasing my amount due. As i full understand it is just XXXX but for me it is principle of the matter that the agent advise they would waive the fees. I work for a bank and we would waive the fee due to our agent providing misleading information to the cardholder or customer.
Product: Credit card

After filing a complaint, they returned to stop charging fees on a closed account, so until they adjust the Balance I refuse to pay on this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to all the credit agencies wanting to receive proof of ORIGINAL documentation of accounts on my credit report and they have to yet do so.
Product: Debt collection

On XXXX XXXX I submitted a dispute through XXXX for this collection agency, I have no idea what this company is or why I have this collection account. In this dispute I asked for a contract with my signature or something form this company that they can send me to show I owe this alleged debt. As I can not verify this debt how do I know this isnt someone on the internet who has gotten my information and is trying to make me pay something I may or may not actually owe. This disputes was resolved on XXXX XXXX verifying this alleged debt the problem is I have still not received anything in email or in actual mail proving I owe this debt yet this company keeps saying the debt is verified but they will not prove me the contract that I signed that shows I owe this alleged debt and it is severely damaging to my credit report. Now on XXXX is shows I have this account in collections but when I now try to dispute this account it says I do not have anything in collections so Im not even sure why it showing it on my credit report yet I can not dispute it anymore.
Product: Student loan

I submitted a complaint to the CFPB in XX/XX/XXXX and Citizens/Charter which is coincidence because my aunt before her passing used to do business with Charter bank. XXXX XXXX XXXX and XXXX XXXX. I requested a total and permanent XXXX discharge and the company agreed. They were suppose to send a 1099 at the end of XXXX requested a XXXX in XX/XX/XXXX. In the complaint the company said it was a shiff in bank policy but did not indicate what the XXXX was. Id like to know my rights and get the debt discharged under total and permanent XXXX so It doesn't come back up. However she did indicate that they were in XXXX status but didn't elaborate what my options were. Old loan with previous lenders such as Chase bank have surfaced and their is a discrepency if they were federal loans or private. Gross privacy violations are associated with both.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appear to have what is known as a " mixed file '' I can not even attempt to access my credit report through a third party because I get locked out during the verification process.
Product: Credit reporting or other personal consumer reports

I am writing to officially dispute certain items on my consumer report, which were reported without my prior written consent. This matter is brought to your attention in accordance with the provisions outlined in 15 USC 1681b, which are designed to protect consumer privacy.

I have already filed a report with the Federal Trade Commission ( FTC ) concerning the unauthorized reporting of my personal information, which I believe amounts to identity theft. The FTC has provided me with a reference number for this report, which is [ XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report and I see that my credit score is very low. I have no idea why you put this information on my account. I'm shocked. I don't know what should I do with.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration regarding the unresolved issues surrounding my status as a victim of identity theft, as my previous correspondences with your bureau have not resulted in a satisfactory resolution. Once again, I am disputing the presence of fraudulent information that is negatively impacting my credit file Despite my submission of the necessary FTC complaint, your bureau continues to report this fraudulent account on my credit report. I want to stress that I have already contacted the banks associated with this account, provided the required documents, and successfully had the account promptly deleted from their records. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau : I would like to please have Transunion assist me with the reporting of a few accounts. I have contacted the furnishers and I am not getting responses and this can be damaging to my credit worthiness. I also would like them to remove any old address on my account and use only my current address of XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I would like to have the accounts that are reporting late off of my report. 

I have sent to them my DL License, FTC reports already and on file already.
Product: Debt collection

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b-2 company also has NO permission to report ANYTHING using my info pursuant 15 USC 1681 4. 

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

I reached out to Transunion to investigate XXXX XXXX # XXXX as I know there is incorrect information reported on my credit report. 

In accordance with the fair credit reporting everything has me be 100 % accurate on my credit report. 

The TransUnion stated my account was properly investigated, but how is that possible if the date opened is incorrect, last reported date incorrect, date last active also inaccurate. 
This is ground for removal, they also violated my rights under 15 U.S.C 1681 section 602 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 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting

On XXXX XXXX, 2016, after reviewing my credit report, I noticed accounts listed from XXXX ( XXXX ). I contacted the number listed on the report to be told they did n't have my account and gave me a number to contact which was XXXX XXXX XXXX XXXX XXXX XXXX. I contacted XXXX to pay off the account in exchange for deletion from my credit report. I was told by XXXX XXXX to dispute the account, ( which I did ), and it would be removed. The company that 's saying I owe them XXXX has since just decreased the balance owed on the account. I paid XXXX XXXX XXXX because I was forwarded to them from a representative of XXXX. I was told it would be removed after payment so that is what I expected. XXXX is illegally reporting these accounts ( with a balance ) and this is not only illegal, but inaccurate as well. I contacted Equifax on XXXX different occasions to be told " we are going to open a dispute ''. For the information to come back as " verified '' which is impossible because not only is it paid, but the reporting agency does n't even have the account. I spoke to a representative for the 4th time and was told the same thing about opening another dispute. I requested validation of debt from the creditor which I have yet to receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : 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 USC 1666B : 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
Product: Mortgage

Our mortgage company, Ditech has been sending letters stating that we are behind on our mortgage since XXXX XXXX and has sent a notice of default when in fact we are not behind on any payments. We have spoken with customer service and they verbally acknowledge receiving our payments but will not put in writing what has been stated verbally to us numerous times ( that payment was mis-allocated and pending re-allocation and that they are having problems with their system upgrades. We are in the middle of a refinance with Ditech and are concerned that we will lose our locked rated if the payments they have received are not posted properly to our account in a timely manner. We are also concerned that Ditech will try to foreclose on our home/current loan before correcting their internal problem. We are wondering if this is a predatory lending strategy.
Product: Debt collection

We received a letter from our Bank yesterday ( Friday ) saying that Performant Financial 's subsidiary, XXXX XXXX was going to take money from our bank account. We then tried to call XXXX ; but their offices were closed. The offices won't open again until Monday We have not been contacted by XXXX for anything ; and XXXX has provided not documents showing that any amounts are due that they are trying to collect. 

XXXX is claim that we owe the Indiana Department of Revenue ( " INDOR '' ) ; but we don't owe them anything, and INDOR also has not contacted us nor sent us anything, etc. We don't owe INDOR anything that we know. There is a break-down of due process. 

XXXX XXXX actions seem to violate the FDCPA, and other laws ; including Indiana laws. XXXX seems to be engaged in Unfair, deceptive and abusive business practices. As senior citizens ; we feel that XXXX to trying to pull one over on us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was provided with a police report regarding me being a victim of fraud. XXXX XXXX ( XXXX XXXX ) in the amount {$620.00} has continued to report this account disregarding my disputes. There was another account from XXXX XXXX XXXX, XXXX that was removed from my credit reports, however this account in dispute continues to be reported. If one account is deemed fraudulent and removed how is it that this account continues to be reported. XXXX and XXXX   removed both fraudulent accounts from my credit reports, however Equifax continues to report this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is a fraudulent account. 
XXXX XXXX is a fraudulent account XXXX XXXX is a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been denied credit several times. I received my credit report from the 3 credit  reporting agencies nothing negative on any report. I contacted XXXX XXXX they said TransUnion gave me a bad credit score. I contacted TransUnion by phone told to have XXXX XXXX call them. I wrote to TransUnion and XXXX XXXX several times. I only receive a copy of my credit report each time from Trans Union I also sent a copy of my credit score XXXX from credit wise. 
Know one will give me a reason why I can not get credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act Collections- Source XXXX XXXX 15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts.