23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am choosing to settle this debt with original creditor XXXX XXXX XXXX, I know that its their obligation to assist me with this matter since they are a nonprofit organization they must help please cease and desist all collections activities and stop reporting this mess.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police XXXX need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting or other personal consumer reports

By Law, they need to provide proof that they either sent me an email or mailed out a letter 21 days prior to said due dates of missed payment. They also need to provide me the proof that they either sent or emailed me the option to opt out before they released this on my consumer report. The only thing they sent proof of were said dates of payments that were late.

Due to Laws, 15 U.S. Code 1666B, without that proof they are violating that law to put this on my consumer report.

with - 15 U.S. Code 1681a ( 2 ) ( I ) they may not report transactions or experiences between consumer and person making the report. - 15 U.S. Code 6802 - Obligations with respects to disclosures of personal information.

18 USC 1028A aggregated identity theft.

This company is breaking multiple consumer laws and if this is not reported and fixed on my consumer report I am asking they delete all the above late payments from my consumer report, and change them from late to PAANL ( Paid As Agreed, Never Late ). Failure to respond with correction of the account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for each law stated above.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXXXXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX  days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion XXXX XXXX, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureau are reporting inaccurate information on LVNV FUNDING ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Bank account or service

During the Rushcard glitch, I was without access to my funds for a week or more. I could not pay my bills on time which lead to me having to pay late fees. I could not withdraw money to eat, put gas in my car, pay a loan off, any many other things I needed to do. This ordeal caused a lot of hardship for me.
Product: Credit card or prepaid card

I have multiple comenity bank card accounts. None of the accounts are able to be used for purchasing and none of the accounts are available to make payments on. Online or by phone. The company is XXXX. There is absolutely no communication. This has been the case for over a week.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent my FTC report and license to Experian, XXXX, and XXXX. I have fraudulent accounts reporting on my consumer report. There is a {$1000.00} fee per violation for reporting inaccurate information on a consumer report. I will be filing a civil suit.
Product: Credit reporting or other personal consumer reports

Write this I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Product: Consumer Loan

currently refinace this accout with Conn 's .. I have been nonstop calls for collection. I have called back and spoke to a manager and was advised that the calls would stops. But I am still getting calls and this is outrages. I would like for the calls to stop since my bill is not even due until XXXX XXXX. Not only due i get calls I also get hang ups. Transfer to other CSR agents when advised I would like to talk to a manager then told I can be transfer to a manager. This is harrashment. I am looking into more legal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Inquiry from XX/XX/XXXX. I didnt give permission in this service. 

XXXX Inquiry from XX/XX/XXXX i never had contract with this company. 
Synchrony Inquiry from XX/XX/XXXX I receive an alert in my email and had communication but I didnt get resolution because I didnt summit any application. 
XXXX XXXX opened a extra account by error and closed my credit card without my permission. it was in good standing. 
I talked with XXXX  and XXXX  but they didnt remove those issues from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 XXXXXXXX, XXXX XXXX XXXX Balance Owed : {$1900.00}, XXXX XXXX Balance Owed : {$4500.00}, XXXX XXXX XXXX XXXX XXXX Owed : {$690.00}, XXXX XXXX XXXX Balance Owed : {$11000.00}, XXXX XXXX  XXXX XX/XX/2022
Product: Debt collection

I have disputed fraudulent transactions on the Discover account and disputed the inaccurate derogatory reporting to the credit bureaus for years, but none have done anything to correct the problem. Even now, 6 months after receiving an IRS Form -1099-C from Discover Bank in XX/XX/2022, they are still reporting monthly derogatory and harassing statements and data to credit reports and inaccurate account date with an outstanding balance and severe delinquencies. 
In their letter to me they stated they will continue to report the inaccurate information to credit Bureaus until I ask them to stop. This is unacceptable purposefully harmful behavior and harassment that they intend to continue until the 10 year data cutoff. 
Their harassment and behavior can only be to continue to inflict more harm and more damage to my personal and financial security. 
Ive requested they stop and correct the record and issue a statement to me and forward the details of their harassing behavior and steps they are taking to resolve the emotional, financial, punitive and pain and suffering they have caused and continue to cause me so can restore the damage they have inflicted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX XXXX XXXX XXXX XXXX with a limit of XXXX. I received a letter, email and text stating that the company would no longer be able to honor credit moving forward, but there would be no negative impact on credit as a result of their closing accounts with XXXX customers. 

My account has always been paid on time and was currently at a XXXX  balance owed status. I was disappointed that I would no longer be able to utilize the card, but understood that COVID-19 has caused many challenges for banks and businesses, so I accepted that the account would be closed shortly. 

Most recently, I looked at my credit report and noticed that they left a remark stating " suspended. '' My score dropped 34 points from " Good '' to " Fair! '' I immediately called them to inquire why the remark was left on my account, but they did not have a clear answer. They only stated that it was the standard remark placed on all the accounts before they close them permanently. 

I clearly understand that a bank or agency may no longer able to extend credit, but I don't understand how a stellar account holder in excellent standing is able to be penalized for their inability to continue business practices.
Product: Debt collection

I have phone logs dating back to XXXX of XXXX calling in an excess of 6 times a week, many before before XXXX. The representative for their collections have been told repeatedly not to call but they continue to call. I have sent a letter to their legal representatives XXXX, XXXX and XXXX to cease communication and collection activity until the debt is validated, yet they are still reporting the debt to the credit bureaus as an active collection without any notation of the debt being in dispute.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$380.00} XXXX XXXXL ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00}
Product: Checking or savings account

On Friday XX/XX/2020 at approximately XXXX XXXX, I went to Chase ATM ( XXXX XXXX XXXX XXXX, XXXX, OK ) and made a deposit of {$460.00}, once my deposit was complete, I received a printed receipt that stated To be sure your deposit went through, please call XXXX. I called that number and they transferred me to their claims department. There I gave them all the details they asked for only to be told that I would have to wait a MINIMUM of ten ( 10 ) days before I could receive a TEMPORARY credit. This was all the money that I had until I received my payroll check on XX/XX/XXXX! I was not given any further information and I still have her to hear any further actions taken. This is a trying time for everyone due to the situation relating to COVID-19 and has caused a great inconvenience.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I have found the following items listed below to be in direct violation of my consumer law under the provisions of the fair Credit Reporting Act. These accounts are listed with late or missed payments and should be listed as PAYS OR PAID AS AGREED Account Name XXXX XXXX XXXX Account number XXXX Late payment reported on ( XXXX XXXX ). Please update the account as XXXX XXXX. 
The late payments were reported during the COVID pandemic and congress passed a law on XX/XX/XXXX stating creditors should not report any late payments. The law says the following. 
The Coronavirus Aid, Relief, and Economic Security ( XXXX ) Act, passed by congress and signed into law on XX/XX/XXXX, contains a provision explicitly addressing the FCRA, Section 4021 of the Cares Act amends Section 623 ( a/ ( 1 ) of the FCRA ( 15 USC 1681 s-2 ( a ) ( 1 ) ). Now, a furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or makes other arrangements for its customers affected by COVID-19, should not report the account as delinquent,, but should continue reporting it as current, unless the account was delinquent before the COVID-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retroactive to XX/XX/XXXX and do not apply to charged-off accounts Please remove the late payments on XX/XX/XXXX as it's a direct violation of the Coronavirus Aid, Relief, and Economic Security Act.
Product: Credit card

Credit company Synchrony decreased my credit limit purely based on my credit score factor, not from the standing point of my credit with the bank or the usage. This not only hurt my credit score directly, but also forced other banks to limit my available credit because Synchrony decided to lower my credit limit from XXXX USD to XXXX USD. This also makes this account impossible to use.
Product: Mortgage

I applied for pre-approval of a mortgage in XX/XX/XXXXXXXX  with Royal United Mortgage. I provided all requested documents and discussed my employment and income during the pre-approval process, and I was pre-approved around XXXX XXXX, XXXX, though it's not clear as the point of contact at Royal United forgot to send the pre-approval and only provided upon my inquiry on XX/XX/XXXX. I went under contract on a home and had closing scheduled for XXXX XXXX, XXXX. Royal United was included in all relevant communication by my realtor and myself. On XX/XX/XXXX, one day before my closing, my realtor reached out to confirm the amount needed for down payment and closing costs. At this point, the point of contact at Royal United replied by email that the loan could not be written without my XXXX tax filing, which would be impossible at that time as XXXX had not concluded. At this point, no relevant information or employment status had changed from the information I had submitted previously. I repeatedly tried calling the point of contact at Royal United, and he did not answer his phone. I called Royal United 's phone tree and was able to reach the point of contact 's manager who told me he would investigate. I called the manager back after about an hour, and he told me that this should not have been pre-approved and I should not have found out about a problem with the loan the day before closing. I asked him if there was a way issue the loan, and he insisted I would need to submit a XXXX tax return before they could issue the loan. As a result of Royal United 's negligence, I asked him to have Royal United reimburse me the due diligence fee, earnest money, appraisal fee, and home inspection fee totaling approximately {$3000.00}, and he told me that I could just get the due diligence money and earnest money back, which I absolutely can not based on my contract. He also told me they would issue the loan once I submit my XXXX taxes, which is not valuable as the sellers were not willing to wait until XXXX to close the sale. I would like to be reimbursed for the approximately {$3000.00} I have lost due to Royal United 's negligence.
Product: Credit card

We signed up for an interest free account. RC Willey did not receive the automatic payments. When we were notified of delinquency, we went into office, paid the overdue amounts, and were told everything was fine, and made all payments as agreed. We recieved our first statement in XXXX and saw that the account was charging 21 % interest. This was for an {$18000.00} refrigerator so the interest charged was substantial. 

We were never notified, so never agreed, to this interest charge. RC Willey states that the dispute is too old to change or credit us.
Product: Debt or credit management

According to Kikoff Lendings contract this was an account for a secured credit card. But I have never obtained a credit card or secured card from Kikoff Lending nor any loans. Kickoff Lending has also failed to honor what they advertise online, which is an increase in credit report and a higher FICO score. I also called and asked for this account to be deactivated once I saw no results from their paid services, and their staff failed to do so. 

On XX/XX/year>, I made a call to Kikoff Lending asking for assistance in order to have this account deactivated as my online attempts were unsuccessful. I wanted the account deactivate because i was not satisfied with the service. The young lady that i spoke with was a extremely dismissive and kept repeating the process of how their service works over and over. I ultimately hung up the phone up on her because I was getting frustrated that she kept repeating herself to me after I made it clear I did not want the service. I opened this account because Kikoff promised to help increase my credit score and after several months I only noticed a decrease in my score due to Kikoffs hard inquiry. During my last conversation with a Kikoff rep he explained to me that other things on my credit report could be the reason that was preventing their reports to the credit bureaus from helping my score increase. The fact that this is not made clear to me on top of the fact that I made several attempts to deactivate this account is the reason why I don't feel I am responsible for this account and would like for it to be removed from my credit report. 

I've also reached out to Kikoff Lending several times in order to resolve this issue but they have never responded to my emails for a resolution. I think this company is not being reasonable as it was their responsibility to deactivate my account once I called their office and their staff failed to do so. For that reason and the fact that they failed to provide me with the services which i was paying for, which was a FICO score increase, I believe this account should be removed from my credit report.
Product: Credit card or prepaid card

While traveling two years ago a XXXX employee talked me and my wife into signing up for a XXXX credit card to earn fly miles. She told us we could cancel the card anytime. I made made a few major purchases to earn miles. I paid off the card to avoid interest, and the card has not been used since. I received a statement on XX/XX/2020, for {$95.00} for an annual fee, so did my wife.We had no idea what they had opened two accounts. We cancelled the cards immediately. They said we still had to pay the fee because we had to cancel the card by XX/XX/XXXX, We did not receive the statement until XX/XX/XXXX. How could we know?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX  XXXX XXXX Balance : {$2800.00}