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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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, have 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 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.

The Credit bureaus stated my accounts were properly investigated, but how is that possible if the open dates are inaccurate, account numbers are inaccurate, the date last active is inaccurate, and reported balances are inaccurate.

The Credit bureaus claimed accounts have been verified, but have not provided proof or sent me the original documentation with my signature on it. According to the FCRA, any information that can not be 100 % verified, must be removed.

The bureaus have violented cease and assist, and have also infringed on my right of primacy on multiple occasions, as well as taking more than 30 days to complete my investigations.

This ground for removal, they also violated my rights under : 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.
Product: Debt collection

Today I received an alert that shows an account that is well over seven years old it shows that the account was open on XX/XX/2020 which is incorrect. This account shows 12 months of no payment history which is also incorrect I was never contacted on behalf of this account for resolving or making payments. The account was so old I didnt know that it would make a new mark and move my credit score down 18 points. I called to dispute this because the dates are incorrect and I was not contacted. The debt collector purchased this account and added new dates. Im in the process of purchasing a home and this doesnt look good especially not being correct
Product: Debt collection

On XXXX at XXXX, A phone number registered to Portfolio Recovery ( XXXX ) called me multiple times. They call several times a day from different phone numbers and area codes. The debt is legitimate, but I have sent them correspondence to stop calling and send written correspondence instead, but they have not.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in to be removed. 

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

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

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

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

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

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

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, US BANK CONSOLIDATED add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit card

I opened a discover credit card five years ago. During these five years, I used this card for a lot of things they promise to give cash back to : food, gas, clothing. I have earned XXXX dollars of cashback and have never redeemed them. I have been paying my bills every month on time. In XXXX 2014, they suddenly closed my card said it 's some kind of business decision. Then I called them to ask for my cash back, that 's XXXX dollars cash back .They first told me that they are going to send the cashback in check to me. I waited and waited but never received it. I called again, they said they are going to send it, then I waited for another two months. But no check came. Then they told me that they decide to forfeit my cashback since my card is closed already. I earned these cash back XXXX dollar by XXXX dollar for about five years and planed to use this money for my travel plan this year. Discover just do n't want to give my money back.
Product: Credit reporting or other personal consumer reports

I received an alert on XX/XX/year> that there was a new inquiry on my credit report. Company : CB INDIGO Reported by : XXXX I did not try to get a credit card through CB INDIGO. When I contacted XXXX, I was told I needed to dispute this through the FTC. To be clear, I did not request this credit inquiry.
Product: Mortgage

{$20000.00} theft at the closing table on XXXX XXXX on a home re-fi by XXXX/agent of XXXX, with an inflated appraisal of $ XXXX for a $ XXXX note, then GMAC took over and raised my payments from {$1800.00} to {$2700.00} BASED ON THE FALSE APPRAISAL. 
Filed lawsuit XXXX in the corrupt XXXX XXXX XXXX, they got a summary judgment XX/XX/XXXX, AFTER THE CFPB-OCWEN CONSENT ORDER in XXXX XXXX. I am still in my home as the note was paid off by XXXX, XXXX and my tender.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, There were two instances where USAA has completely dropped the ball when I attempted to set up an automatic payment on my car note and credit card. The goal was to never be late on a payment but they had ongoing technological difficulties that caused my account to be late two times : Once in XXXX of XXXX and once in XX/XX/XXXX. My checking account wasn't debited automatically which was the reason the payment was missed. 

The only excuse I got from the USAA customer service representative was that, " It's a much bigger company now. '' As if to say, 'yeah, it was our fault but what do you want me to do about it? ' Needless to say he wasn't much help getting my credit report fixed.
Product: Checking or savings account

called Capital One with a conference call including CompleteID representative. 
Was able to convince Capital One To Close Fraudulent Account, But Master Card subsequently issued a Capital One MasterCard Debit Card. Master Card Claims they can only deal with Fraudulent accounts when their Security Department is open for business. and have done nothing to remove the Fraudulent Master Card Account. 
Also XXXX has sent me a text thanking me for checking out with XXXX, I do not have an account With XXXX, nor Capital One Nor Master Card, all Three are fraudulent. 
XXXX is Phishing for my Email or Telephone Number and sign up as a condition of contacting them through their resolution website. I do not want to give my Number or email and create an account with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up complaint regarding the items that are reported in my credit report that are erroneous. In my previous complaint dated XX/XX/2023, I disputed these Items : XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX ... Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$360.00} Please Block them because the listed addresses are not my correct address, The accounts are inaccurate and fraudulent. Im seeking Litigation. Please delete them at once.
Product: Bank account or service

Requested balances as of XXXX/XXXX/2014 approx. 1 month ago. I have not heard back from the branch or corporate regarding my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled my account with Conns. Its two months later and they are still reporting late payments to the credit bureaus. I disputed the information with Conns and they removed the marks from XXXX  but they still reported another late payment to XXXX  and XXXX. It is my understanding that Conns is required to submit corrected information to all XXXX credit bureaus.
Product: Debt collection

I am the private student loan holder, XXXX XXXX and my dad is XXXX XXXX. He cosigned about 23 years ago and since then I've graduated with a bachelor 's and have made consecutive payments for over a year. 

Furthermore, my father filed for bankruptcy and they are suppose to leave him alone. The reason I'm filing a complaint is because I lost my job in XX/XX/2023 but still carried on paying the {$100.00} a month. It became too much to pay by XX/XX/2023 soni called Navient customer service at the end of XXXX requesting a temporary forbearance. The agent I spoke with told me that I'm not required to make payments on that loan right now due to a legal issue going on. They didn't tell me much but I assumed it was due to my dad 's bankruptcy. So I didn't make my XXXX payment under the assumption that I was not required to. 

My dad calls me yesterday to let me know that Navient has been hassling him with robocalls several times a day. Unless Navient lied to me, then I'm not liable and I'd like them to stop calling my dad 's house ASAP. 

I'm not able to call them at the moment but I did email them to let them know with no response.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:1XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. I would like this item immediately re-investigated. XXXX XXXX XXXX XXXXXXXX.The following inquire was not authorized and should not be reported XXXX XXXXXX/XX/XXXX. The following inquire was not authorized and should not be reported XXXX XXXX.The following inquire was not authorized and should not be reported. XXXX XXXX XXXX XXXXXX/XX/XXXX. 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) 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 am writing to formally dispute the following inaccurate information contained in my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( a ). Upon reviewing my credit report, I found inaccurate information that is both incomplete under the standards set by the FCRA. Additionally, the account ( s ) in question are not reported in accordance with Metro 2 guidelines, which are essential to maintaining accuracy and compliance across all credit reporting agencies. 
# # # Disputed Information : - *Creditor Name : '' ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : '' XXXX BALANCE : {$520000.00} - *Nature of Dispute : ** incorrect payment history. 
inaccurate balance and Non-Compliant The Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ), requires credit reporting agencies to " follow reasonable procedures to assure maximum possible accuracy of the information '' they include in a credit report. The disputed information mentioned above does not meet the standard of " maximum possible accuracy. '' Furthermore, please ensure that the creditor in question complies with 15 U.S.C. 1681s-2 ( b ), which obligates them to report accurate information to the credit reporting agencies and correct any error i found.
Product: Credit reporting or other personal consumer reports

in accordance with the fair reporting act list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.account name XXXX account XXXX  XXXX account name XXXX XXXX account XXXX XXXXXXXX account name XXXX XXXX account XXXX XXXXXXXXXXXX account name XXXX account XXXX XXXXXXXX i looked at my transunion credit report and noticed somethings are incorrect and incomplete and not accurate.and according to the fair credit reporting act.whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about the report relates according to 15 USC 1681EB and according to 1681 I ( 5 ) they are supposed to do this 5 treatment of inaccurate or unverifiable information ( A ) in generallf after any investigation under paragraph one ( 1 ) of any information disputed by a consumer any item of information is found to be inaccurate or incomplete or can not be verified the consumer agency shall ( I ) promptly delete that item of information from the file. and according to15 USC 1681 S-2 they are not supposed to 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

On around XX/XX/year> my card was fraudelent used put it over the limit I paid for several months my monthly payments on time waiting for a resolution however wells fargo want to force me to pay a charge that was not mine.
Product: Debt collection

I had an account with XXXX XXXX XXXX that was charged off due to financial hardship and in XXXX XXXX 2017 I paid the debt collector XXXX who has failed to notify the original creditor ( XXXX XXXX XXXX ) that the account was paid in full. I have tried to reapply for a XXXX XXXX XXXX card as I need to rebuild my credit and now XXXX XXXX XXXX advises me that they ca n't remove the mark that my account has been charged off even though I have paid the account off. I have sent XXXX XXXX XXXX notification that the account has been paid in full and they said they have no record of the account being paid off.
Product: Checking or savings account

On Friday XX/XX/2023, I attempted to use my account at Chase Bank, only to see my card was not working. Once I noticed this odd action, I immediately gave them a call. They informed me that my account was restricted and they have chosen to close the account. Chase would not provide me a reason as to why this was happening. I asked why can I not know and they stated that I will be receiving a letter via mail in 10 business days. They also stated that I would receive my funds in approximately 2 weeks. So I asked, it would have take me this long to even know what was going on with my account if I did not call. 

On Saturday XX/XX/XXXX, I was told by a service rep that I would be able to go into the branch and have my funds made out in form of a cashier check. Moving forward on Tuesday XX/XX/XXXX, I went inside of a branch only to find out that I could not even do that. They were still " under review '', but still no explanation of said review. 

On Wednesday XX/XX/XXXX, I see that I no longer even have online access to review my account nor see the amount of funds I have in the account. When I called in they did not state why I could not see my account. Although the warning told me to give Chase a call to have viewing access back, they still refused to do so. 


I have an ACH incoming into the account and I am not even able to see if the funds hit or not. They will not provide me an answer and says I should just check in daily with the sender to see if they had some sort of return. 

I have several bills coming up or now past due thanks to chase. Which will include me in late fees and no reasonable explanation to the companies as to why I am late. This has been the most unprofessional and untrustworthy process from a bank.
Product: Credit reporting or other personal consumer reports

XX/XX/24 XXXX XXXX from Shellpoint said that Im not authorized to speak with Shellpoint about the mortgage. However. The firm claims that I am on mortgage and sent paperwork in the mail stating that I was authorized to speak about this mortgage. Its impacted my credit score negatively and I am not on the note. Shellpoint is attempting to foreclose on my property.
Product: Credit reporting or other personal consumer reports

The company has repeatedly violated my rights under the FCRA and will not respond to correspondence. 

According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.
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 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  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 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

XXXX XXXX  furniture has been reporting inaccurate information on my credit report. I under the FDCPA and FCRA 50the information is reporting g inaccurate. This information is harming me and my family and I will be forced to seek legal counsel. All information is supposed to be reporting accurate and attached I uploaded my report to show they are violating by not reporting accurate
Product: Debt collection

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  CA  XXXX  Calvary Portfolio Services    XXXX   XXXX     XXXX   XXXX , AZ  XXXX  Acct Dear CFPB  I a m writing this letter to file complaint against  Calvary Porfolio Services,  They have made wrong report to my credit report. My original credit is  XXXX   XXXX  account  XXXX . I was behind on payment since  XXXX   XXXX . As of credit report on  XXXX / XXXX / XXXX . It was charged off and Calvary Portfolio recently contacted me and told me that I owed the amount of {$3500.00}. I have attached my credit report in  XXXX  and currently for your review.   In addition, they have told me that they will lien the debt that I owed to my wife house which I dont have name on it. They keep harassing me by calling me and said that.   There is two reason that I want to dispute which is first, they reported wrong to my credit report without disclosed where the original creditor and debt from with validate amount. They never sent me any letter to validate the debt and I dont receive that. Second, they can not call me by harassing that putting the lien in my wife house which I dont have name on it.   It is my personal debt and issues and I dont want they involve it to my family member. I urge that they need to remove it from my credit report since the debt original have passed statute of limitation and they have been harassed me for itself.
Product: Credit card

I recently received an incorrect XXXX listing an ( improper year - XX/XX/XXXX ) from Midland Funding, LLC. Their XXXX should have been listed for the ( prior year - XX/XX/XXXX ), due to the fact that the settlement was made and completed and also reported on my XX/XX/XXXX income tax return. I contacted Midland Funding, LLC on XX/XX/XXXX regarding this error and they are refusing to issue me a corrected XXXX for the proper year of XX/XX/XXXX and I do n't know what to do. I 'm hoping you can help me with resolving this matter. Attached are scanned documents verfiying my information relating to this matter. Thank you.