23daVinci/CFPB_Complaints huggingface dataset:
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 USC 1681. XXXX 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 an 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$710.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I checked my credit report and it shows a collection account of over {$1400.00}. I never received a letter from the collection agency stating that they owe my debt. They must removed this from my credit reports due to this error in their collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached documents show contradictory explanations for unverifiable/inaccurate information for my XXXX ( XXXX ) student loan accounts with XXXX XXXX XXXX It is clear that XXXX has no intention of correcting the erroneous information and has sought instead to delay and dance around their responsibilities as a data-furnisher under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Under the doctrine of contributory negligence, XXXX is marking these accounts as CO because they failed to provide timely information for the accounts as required under TILARegulation Z and failed to conduct themselves under section E.1 ( b ) of the MPN ( p. 16 ). They do not even deny stopping statement generation ( ie. no paper statements and no electronic statements ). However their justifications vary grealy from changing an alleged status from " deferment '' to " forbearance '' to get around the provisions of XXXX ( b ) of the MPN, claiming XXXX knowledge of my XXXX and my alleged failure to request copies of my statements as a reasonable accommodation under XXXX for documents and access to electronic documents TILA/ XXXX XXXX and 12 U.S.C. 5533 make clear XXXX is required to provide to EVERY consumer. Their latest reasoning ( p. XXXX ) for these violations of law is allegedly due to returned mail from my address the CRAs can verify I continued to reside well after te alleged returned mail. Moreover, their latest reasoning claims they only began generating statements again once I " confirmed my mailing '' address. Not only is this non-sensical, but their own statement from XXXX XX/XX/XXXX ( p. XXXX ) makes clear that they allegedly had XXXX ( XXXX ) contact with me between XXXX XX/XX/XXXX through XXXX XX/XX/XXXX. It is based upon this justification XXXX purports the derogatory information furnished to the CRAs is " valid '' The full scope of the erroneous/contradictory/unverifiable information is attached. If XXXX is supply responses to the CFPB that contradict its prior responses for issues that should have been resolved within the past XXXX ( XXXX ) years, then it is clear they are not verifying the accuracy/integrity of the data they are supply for these accounts in my credit files. At least XXXX ( XXXX ) of the CRAs has reached the same conclusion and removed the derogatory information from my credit files. XXXX claims ignorance and has sought to blame the CRAs for the inconsistencies. All of the erroneous information needs to go.
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 ( Transunion ) Dept of educationXXXX # XXXX Dept of education/XXXX  # XXXX Dept of education/XXXX XXXX XXXX Dept of education/XXXX  # XXXX Dept of education/XXXX XXXX XXXX Dept of education/XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/XXXX I was notify by credit reporting services that I was 30 days late on my mortgage for the month of XXXX. When I contacted the creditor Home Financing Center about this error and how am I 30 days late when we ae only 8 day into the month I was told that this would be correct. As of today the manager XXXX XXXX and Customer Service Rep XXXX that I've been speaking to has been ignoring my call.
Product: Checking or savings account

Chase is refusing to process a rightful chargeback despite providing all necessary evidence that the merchant ( XXXX XXXX ) is fraudulent and unresponsive. 

I disputed a transaction with Chase because the merchant failed to deliver the promised product/service and refuses to provide a refund. 
I provided all required evidence, including my attempts to contact the merchant and proof that the product/service was not as described.

Chase is refusing to issue a temporary credit, which other banks provide immediately while disputes are investigated.

Chases actions violate consumer protection laws, as they are delaying and obstructing a valid chargeback request under Visa/Mastercard policies.

What I Want : Chase to immediately issue a full refund for this fraudulent transaction.

Chase to follow proper chargeback procedures and provide a temporary credit. 
CFPB to investigate Chases mishandling of chargebacks and lack of consumer protection. 

This is an urgent matter, and I expect a swift resolution.
Product: Debt collection

The company United Collections Bureau on behalf of XXXX XXXX   contacted me about a collection on a debt. They stated I owed {$4900.00} and that they were willing to settle for an amount close to {$2500.00}. I sent a certified letter to UCB asking them to stop contacting me and that I wanted more proof that they are legally allowed to collect on this debt. I later received a response from XXXX on XX/XX/XXXX stating that I would no longer be contacted. On XX/XX/XXXX I received mail from XXXX consisting of printouts of my last three statements ending in XXXX/XXXX with XXXX before the account was closed with a statement saying " we've sent you these because youve requested it ''. I then mailed a 2nd dispute letter certified mail to UCB on XX/XX/XXXX as well as a 2nd dispute letter to XXXX on XX/XX/XXXX. 

Then on XX/XX/XXXX I received letter from the sender " XXXX XXXX '' which consisted of a copy of some type of card member agreement ( the type that has fine print, interest rate information etc '' ) which was from XXXX and labeled with the XXXX  XXXX name. ( attached below ) I opened this credit card account way back in XXXX in California with XXXX   XXXX before XXXX acquired them. 

It is now XX/XX/XXXX and I have yet to receive any other type of sufficient proof ( such as a signature ) that UCB is allowed to collect on this debt. It's also strange to me that I only received correspondence from XXXX after my first dispute letter. If they sold the debt shouldn't UCB be conducting this correspondence? 

I just want them to provide sufficient proof, and they have yet to. 

I don't know where to go from here but the account is labeled as closed on my credit and my credit is suffering because of it. 

I appreciate all your help Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 and 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 a account without my written instructions 15 U.S.C 1692C 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
Product: Mortgage

I applied with Navy Federal Credit Union for a new home loan XXXX  back in XXXX and I was denied I went to another Mortgage lender and was approved this is clearly XXXX discrimination and they need to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send TransUnion a total of 3 letters regarding inquiries that they are reporting on my credit report. The last letter I send with tracking number XXXX. They are reporting not yet proven compliant information. TransUnion has detailed on my credit report and reporting several allegations of inquiries that have not been adequately verified in a compliant manner as mandated per the FCRA Metro 2 reporting regulations, namely that do not have verifiable proof of permissible purpose and the chicanery led to subterfuge is UNLAWFULLY injurious to my credit and reputation which is clear infringement of my consumer and civil rights. Instead of making a dispute on these errors after sending 3 dispute letters instead TransUnion ignored my letter not once, not twice, but yet 3 times all they send me was a letter stating inquiries are factual and also they did not even mark these inquries as disputed. I informed them that I did not authorize anyone employed by the companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681 b ( c ) and a serious breach of my privacy rights. I requested that they remove the fraudulent inquiries from my credit report immediately that is maintained under my social security number.
Product: Debt collection

This has been ongoing since XX/XX/XXXX ( four years ) now. I had forgotten about some of the hassles and attempts, but a quick search on my computer refreshed my memory. I had an account with QVC, someone fraudulently purchased items ( sent to Virginia - i live in Oregon ) QVC called to see if i had moved to Virginia. I did not order these items. They corrected it ( see copy of statement from XX/XX/XXXX with the charges and reversal indicated as 'merchandise returned ' - -- - - however, QVC kept harassing me saying i owed them for XXXX XXXX. I kept explaining - re-explaining i never ordered them. they'd say 'oh, yeah. i see that now, so sorry. '' then they would start harassing me again! I closed my account with them in XXXX XXXX. ( see letter indicating it was closed with XXXX  balance due ) about a year later i started getting calls from a collection agency about it. I provided copies of stuff and wrote them about it. they never contacted me again. NOW, a new collection agency " XXXX '' is starting in about it. this was never my debt ... but it just won't go away! I never bought the silly XXXX XXXX speakers and never got received them, but QVC just keeps harassing me it's been YEARS of periodic harassment. I want it to STOP for good.
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. Just thinking of the days, weeks, and months that Ive been struggling to make you understand that the accounts are not mine makes me insane. Really?! Ive been doing this for months now but I got no answer from you there at Transunion. I already contacted the banks one by one and they agreed to remove the accounts from my file but here you are continuing to report these fraudulent accounts on my credit file. But you there at Transunion has some internal block that you claim you can use to not block the accounts. Dont you feel bothered by what youre doing? You are damaging my credit file for this! Again, I am attaching my FTC along with the recent dispute letter I sent for you to review and to finally consider deleting this damaging information from my file. 

XXXXXXXX XXXX XXXXXXXX, XXXX XXXX
Product: Debt collection

I am getting calls from this company, I am not the party they are trying to reach. They keep calling even though I have asked to be removed from their call list.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Autopay about refinancing my car loan. After talking with XXXX XXXX I decided not to move forward with their company. I clearly explained that I did not want a hard pull on my credit report. He explained he could not give me an accurate quote which I was fine with. The next day I got a text from XXXX saying that my application is at the lender. I will attach the text conversation. After those messages I called Autopay and got to an supervisor named XXXX. He heard me out and said they would not be able to remove the inquiry they did and he would look into the recording to be sure I didn't confirm the inquiry. I was not satisfied of this since I know it can be disputed and removed. I left it at that and come to you about the situation to see if anything can be done for me to remove the hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

I pulled my credit reports from XXXX and became aware of inaccurate and incomplete account information being furnished by your company to each of the consumer reporting agencies : including XXXX, XXXX and XXXX. This incomplete, inaccurate and erroneous information is hindering my ability to obtain/extend my credit ; it is also causing me to be denied credit. I have previously disputed this information with the CRA 's and it has come back verified. Upon review of each of my reports, I have determined that you are furnishing different information to each agency. There should be no variations or inaccuracies being furnished. I am requesting the information you are actively furnishing to each of the credit reporting agencies that assisted them with determining that this account has in fact been verified by you. As a furnisher, you are governed by 15 USC 1681 ( s ) ( 2 ) to provide accurate information. I am asking you to permanently cease and desist from reporting the inaccuracies below : XXXX XXXX Dispute 1 : XXXX : Upgrade - Account details section, date opened, high balance, last payment and date last active Dispute 2 : XXXX : - Account details section, date opened, high balance, last payment date and date last active Dispute 3 : XXXX : account details section, date opened, high balance, last payment date and date last active.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$7400.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2800.00} XXXXXXXX XXXX XXXX  Balance Owed : {$370.00} XXXX XXXX XXXX  Balance Owed : {$730.00} XXXX XXXX XXXXXX/XX/year>
Product: Credit card

Comenity bank, XXXX is charging {$41.00} late fees. 
As of XXXX XXXX new fees should be {$8.00} per your ruling.
Product: Credit reporting or other personal consumer reports

I have been trying to get my report fixed for months with all 3 agencies XXXX, Experian, XXXX. I have several credit cards missing from my reports. I have written letters and called, and I keep getting the run around to contact the credit card company. I know the are reporting because its shows on other reports. 

Transunion- is missing XXXX XXXX. XXXX  XXXX and XXXX XXXX. The XXXX XXXX was showing but they recently removed it and my score dropped XXXX points. 

XXXX is missing my student loans, XXXX XXXX, XXXX XXXX. 

Experian is mussing XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX, and XXXX  XXXX. They recently removed XXXX XXXX and it dropped my score XXXX points. All of these accounts are open with XXXX balances. I only have a balance with XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX requested my credit score through factual data. They received an equifax score of XXXX. When I log into my equifax account I have a credit score of XXXX. Called Equifax they said that I would have to talk to XXXX XXXX. XXXX XXXX said they use the XXXX XXXX model to get score. They could not tell me why the credit score was so different. They said I needed to call myfico. Called them they said that they are credit subscription service. Because XXXX XXXX reported a XXXX credit score I am unable to get the home loan that would be afforded to me for having a XXXX credit score. There is no one that will take responsibility or explain why this big of a difference could occur.
Product: Checking or savings account

My checking account was constantly being charged over draft fees during crisis an still to today, I would call an ask for refund if the charged XXXX to XXXX or more a month they would say well last month we gave you back XXXX dollars when last month there would be XXXX overdraft XXXX several others, they would just taking a small overdraft fee an then I would call next month an they would say we already gave back XXXX last month so your not eligible, I never got a letter from them saying you have to call for help with overdraft fees but they didnt help me anyway, they took thousands from me an still are, I called several branches to ask question an was told that manager is working as teller XXXX XXXX because ppl arent showing up because of virus, I was told same thing in XXXX XXXX short handed ppl dont wan na come in cause virus, cant get works always short handed, took me 4 hrs yesterday to clear a check because no one would help finally after calling corporate 6 times the XXXX nj helped me, how can I get all my overdraft fees returned Im talking thousands of dollars, this is all in New Jersey XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a certified letter to Wakefield & Associates for a Debt Validation Request Pursuant to 15 U.S.C. 1692g for an alleged debt owed of {$640.00}. On XX/XX/XXXX, the mail was successfully delivered to Wakefield & Associates by USPS. Instead of addressing my primary request, Wakefield & Associates decreased the total amount of the alleged debt by {$32.00}. As of today, my credit report is showing a total balance owed of {$610.00}. I did not receive any information validating the debt, nor did I receive information regarding the reason the debt was deceased by {$32.00}.