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

I have been trying to log a dispute with Trans-Union for the past two months. The website has been reporting " Technical Difficulties '' for the entire duration. I have searched message boards regarding these " Technical Difficulties '' and it appears that this problem has been going on a lot longer than two months. It is my belief that Trans-Union has purposely disabled the credit dispute portion of their website.
Product: Debt collection

XXXX, I am enclosing a response from ABR Recovery Services LLC stating an Account # XXXX from XXXX that is allegedly owned by me. Please verify this account as belonging to me along with date opened, date closed/charged off, date of 1st delinquency and amount. I have no records of this account that they claim has a date of delinquency or charge off of XX/XX/XXXX. I maintain that I have not had an XXXX card since XXXX and this account does not belong to me. Please read the response below from ABR Recovery Services LLC and verify the accuracy. Thank you : To Whom It May Concern : Mr. XXXX is referring to a different account number. ABR Recovery Services, LLC account number for XXXX is XXXX the open account is XX/XX/XXXX, and charge off account is XX/XX/XXXX. Mr. XXXX tried to remove himself from XXXX two times. Thank you In response to ABR Recovery Services, I do not know what XXXX is and all I am trying to do is fix inaccurate information that may have been sold to you. XXXX is the original creditor and I will await their response to this matter. 
Thank you!
Product: Debt collection

Delete the late dates and update the statuses of the accounts now. I've disputed and sent letters, but the inaccurate information remains on my report. Take immediate action to comply with the law, delete the late dates, and ensure my credit report is accurate no more delays or excuses! If you don't, legal action will follow. XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX  Balance : {$3400.00}. Also, I talked to someone within the company to confirm the documents have been received andthey informed me that they never receive documents from the cfpb... Please investigate this matter quickly.
Product: Mortgage

We recently ( XX/XX/2021 ) re-financed our mortgage with XXXXennyMac Loan Services. During that process, we formally opted out of the sharing of our personal data with third-party marketers. However, we immediately began receiving solicitations from marketing firms possessing very precise information about our days-old loan. We called PennyMac 's office that ostensibly governs this activity ( XXXX ) but were told that PennyMac was not interested in ceasing the sale of our private information which PennyMac had legally committed to abstain from sharing.
Product: Money transfer, virtual currency, or money service

PNC Bank hasnt posted my XXXX yetThey are saying they cant find it I have been having issues with PNC Bank and Im tired of it I may file a Federal class action lawsuit this week or next weekIts getting to be a nuisance and Im tired of it ..Im sure other customers are tired too
Product: Credit card

Kohls ' closed my Capital One Kohl 's Credit Card in XX/XX/XXXX. I contacted them immediatly and found out they closed the card because it was discharged in bankruptcy. I explained to them I filled and was discharged in bankruptcy in XXXX and I did not discharge my Kohls charge. Infact, I was making all payments on my card and it was in good standing. This was an error on their part. I have contacted them numerous times and cant get a straight answer. Now they are telling me they can close the account because of my bankruptcy. This is illegal. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked and I just learned of the potential impact to my credit. I have worked very hard to build out my life and current situation to be where it is. They are only offering free enrollment for their monitoring program but I find their delay in delivering information unacceptable and also the way in which someone could have a field day being me. The potential impact is my detailed information which is enough for some hacker to steal my identity with my birthdate, ss number, drivers license number and then some. This is completely unacceptable. I want them to be formally investigated for failure to secure personal data. I work for a bank where we would be fined and written up for such an incident. I hope that your team does what it was designed to do and goes after this. UNACCEPTABLE breach and honestly if I am a victim I will sue them to no end. It is their job to secure and protect themselves from this type of incident. 143 million people may be a victim. I am a hardworking American and I would sincerely expect you do to something on this.
Product: Debt collection

Multiple phone numbers claiming I owe an old debt. Ask for my personal info. I requested a debt validation they asked for my address. This company is not reporting to the credit bureau and cant provide a debt validation with out me giving my personal info first. I requested they do not contact me several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX, I paid in person, my car bill as requested in my paper bill received for that month. Later, I was contacted by XXXX XXXX XXXX/ the auto lender, stating that I was more than 30 days late because I had only made a partial payment.
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I disputed that since I knew I had made my payment before being 30 days late and had paid more the amount due on the bill sent to me by the auto lender. The following month, I paid my bill before being 30 days late and for more than the bill amount due.
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Since then, my credit got seriously affected because they reported to the 3 credit bureaus that I paid 2 times 30 days late. I had never paid anything late and my report reflects this. My credit score was above XXXX and now is in the high XXXX 's! I have contacted the auto lender numerous times in an attempt to fix this matter and even asked for forgiveness if this was my honest mistake. Sadly, this was denied.
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Recently, I 've been keeping track of my auto loan monthly bills an de noticed that everyone of them shows a lesser amount due. Yesterday, XX/XX/XXXX, I contacted my auto lender and inquired about the difference in amounts due and long story LONG ... in speaking with XXXX at XXXX p/s/t, " I was NOT 30 days late in XX/XX/XXXX or XX/XX/XXXX. Nor did I make partial payments for either months. '' I asked to be kindly be mailed a letter reflecting this correction and she told me that she could not do this, but that instead I should reach all 3 bureaus and the bureaus would send paperwork to the auto lender and they would make the corrections at that time.
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Kindly assist me in doing this and advise me as to what I should do next.
Product: Debt collection

I don't know exact dates But there are two charges for {$1000.00} to anericollect I've disputed this over and over the other creditors removed it from my report. Experience is the only company that refuses to remove it Number one medical costs are not supposed to be added onto someone's credit for this is the law. Number two they are breaking their hipaa by disclosing my information to another consumer and number three I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v gravens ( mo ) 281 SW 715 719 I presume that no proof of the alleged debt nor therefor any such debt, in fact therefor exists as well as hipaa violation
Product: Debt collection

Collection of {$62.00} filed with XXXX  and posted XX/XX/XXXX : AGENCY CREDIT CONTROL XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, OK XXXX  ( XXXX  ) XXXX The claim challengedXX/XX/XXXX with documentation proving the claim was false and XXXX  removed the claim from my credit report ( XX/XX/XXXX. )
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system and leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX # XXXX XXXX XXXX XXXX On XX/XX/XXXX I asked you to investigate the inaccuracies on this account. You did not fix the inaccuracies in that investigation. So, on XX/XX/XXXX I asked you to re-investigate this account and fix the inaccuracies. After your re-investigation, you still failed to fix the inaccuracies on this account. I asked again to fix the inaccuracies on XX/XX/XXXX, and pointed out the precise inaccuracies, and you still failed to fix the inaccuracies. So, now after asking you to fix the inaccurate and fraudulent data on my credit report 3 times, it is still showing up inaccurately. You are showing that this account was charged off every single month from XX/XX/XXXX to XX/XX/XXXX. Obviously accounts can not be charged off 5 times. This is intentionally fraudulent and re-aging my account. This is highly injurious to my credit, it undermines the faith in the credit reporting system, is illegal, and against the FCRA statutes. I am demanding a deletion of this account. Failure to comply with this demand within the specified timeframe will leave me no choice but to pursue legal remedies, which may include filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as seeking damages through litigation. I look forward to your prompt response and resolution of this matter. Please confirm receipt of this letter and provide a written response outlining the steps you are taking to address this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX LATE PAYMENT XX/XX/23 It was claimed that I paid my account 30 days late, but with the statements I am about to show you proves other wise, please help me get them to rectify it.
Product: Credit reporting or other personal consumer reports

Re : Complaint Against XXXX XXXX  for Inaccurate Reporting During Arbitration Dear Sir/Madam, I am filing a formal complaint against XXXX XXXX  for unlawful reporting of inaccurate information to consumer reporting agencies while an arbitration proceeding is pending. XXXX XXXX actions are in violation of several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the AAA Consumer Arbitration Rules, and the Federal Arbitration Act ( FAA ). Inaccurate Reporting to Credit Agencies XXXX XXXX  has continued to report inaccurate information regarding my account to consumer reporting agencies while arbitration proceedings are ongoing. This action violates my rights under the FCRA ( 15 U.S.C. 1681s-2 ), which mandates that furnishers of information ensure the accuracy of reported data. Violation of AAA Consumer Arbitration Rules Under the AAA Consumer Arbitration Rules, XXXX XXXX  is prohibited from taking adverse actions such as reporting inaccurate information during arbitration. Specifically, Rule 9 ( Preservation of Status Quo ) and Rule 10 ( Interim Measures ) are clear that no actions should be taken that could undermine the fairness of the arbitration process. Violation of Federal Arbitration Act ( FAA ) Under 9 U.S.C. 2 and 3 of the Federal Arbitration Act, arbitration agreements are binding, and any actions, such as reporting inaccurate information, should be stayed until arbitration has been resolved. I am requesting that the CFPB investigate these violations and take appropriate enforcement actions against XXXX XXXX. I am also requesting that the reporting of inaccurate information to consumer reporting agencies be immediately halted while the arbitration process is pending. Thank you for your attention to this matter. I trust that the CFPB will take swift action to address these unlawful practices. Sincerely, By : /s/ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone open a XXXX XXXX XXXX account without my permission. I did not open or authorize this account, and I therefore request that it be REMOVED immediately. I am requesting that the items be blocked to correct my credit report. I also request that you absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Product: Credit reporting or other personal consumer reports

There was a billing error on CAPITAL ONE AUTO FINANC XXXX Balance : {$9300.00} Date Opened : XX/XX/year> which caused an incorrect late payment report. I had already paid the bill, but the payment was not correctly applied due to a processing error.
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 Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 card or prepaid card

After years of having my discover card they closed my account in XX/XX/2021. This was my oldest account and therefore it brought my credit scores down significantly. They stated that they had closed my account because 4 years ago I used XXXX XXXX XXXX to pay off some other creditors i owed when I was unemployed. They were not even included in the relief. 4 years later, out of the blue, they stated that was the reason and referred me to the complaint department if I had an issue with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, this is my second complaint with Portfolio Recovery Associates. I am wanting to know WHY theyre not providing a copy of the original signed contract between the original creditor & myself! I have requested numerous times & uploaded proof. They continue to send me copies of bills & statement. They have NO physical proof or can not even verify these accounts are in fact mine. Why are there federal laws in place if they arent held to meet them!!!!?????
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 purpose.
Product: Vehicle loan or lease

Capitol One Auto Finance paid XXXX XXXX XXXX XXXX located in XXXXXXXX XXXX to repossess my car in the early morning. After finally being able to get an appointment time, they purposely made me wait over 1 hr to receive only HALF of my property. During the phone call when I was trying to get an appointment, the Supervisor XXXX who thought she had the phone on mute called me the XXXXXXXX lady and then the person who checks you in when you arrive named XXXX found that funny and laughed at her calling me XXXX when I arrived. After they purposely made me wait 1 hr, they asked for the key to get in my trunk, but my trunk is jammed so they told me to contact my finance company regarding the rest of my belongings stuff in the trunk. When I called Capitol One, the rep told me that I should file a police report and I was finally able to speak with a resolution personnel who spoke to my mom because the phone call became too overwhelming for me and she wasn't helping me. 

I am worried because I have paperwork and work uniforms in my car and I don't want those items to get in someone hands who will use my information/belongings in the wrong way.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX Mountain America Credit Union notified me that the person I co-signed was in default on the signature loan. I told them I no longer had any type of communication with that person. They let me know options and I asked them to report that to him instead of me. I asked to pay it off but if I could apply for it on my own so he would not get the credit they said they could not do that so I did not do anything. 

XX/XX/XXXX my husband and I went to buy a truck but noticed the XXXX collection was the only negative so I asked to do a settlement for {$400.00} when the total owed was {$440.00}. I never received notice they got my offer through email and no one followed up. I had to call each day for two weeks to see where it was and what was happening. Finally a lady called and threatened me and was telling me if I did not pay in full they would charge off immediately ( still wasn't 180 days late ) and they were pulling my credit ( without authorization ) and could see I was delinquent on things. I explained this was the only account I've been delinquent on in almost 10 years, I was only a co-signer and my auto and credit card through them has never been late. I spoke to her manager and he said they could not accept the offer as they'd be losing too much money, I asked {$44.00} was a lot of money? He then went on to say to just pay on it normally. I told him I've never seen the bill since they took it off my account because I was just a co-signer, never received any type of bill from them so how would I know how to pay it. 

I still have not received the bill that he said he would send on XX/XX/XXXX but called in and made a payment by phone after being transferred to various people who had no clue what was happening and come to find out XX/XX/XXXX that they froze all my accounts because of this {$380.00} collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is currently a collection account on my report. Please remove : XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I wrote to XXXX XXXX XXXX in regards to them saying I owe them {$400.00}. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And on XX/XX/2018 I received a itemized bill instead of evidence bearing my signature. So onXX/XX/2018 I  wrote XXXX, XXXX. Experian informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I asked them to provide the name, address, and telephone number, of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. And on XX/XX/2018 they sent another itemized bill stating this account in questioned has been " verified ' with no viable evidence bearing my signature showing the account is reporting accurately. I also wrote XXXX XXXX XXXX on XX/XX/2018 in regards to them saying I owe them {$260.00}. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them.And on XX/XX/2018 I received a itemized bill instead of evidence bearing my signature. So on 08/08/2018 I wrote XXXX, XXXX. Experian informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I also wrote XXXX on XXXX XXXX in regards to them saying I owe them {$40.00}. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And on XX/XX/2018 I received a itemized bill instead of evidence bearing my signature. So on XX/XX/2018I wrote XXXX, XXXX. Experian informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I also wrote XXXX XXXX on XX/XX/2018 in regards to them saying I owe them {$980.00}. I requested " validation '' that is  competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And I haven't received any information. I recently checked my credit report and I see they our reporting this debt from XXXX in the amount of {$450.00}. These accounts are not mine and I would like it removed.So on XX/XX/2018 I wrote XXXX, XXXX. Experian informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I ALSO WROTE THEM ABOUT XXXX XXXX AND XXXX XXXX IN WHICH I HAVENT RECEIVED NO UDPDATE! I WROTE TO XXXX, XXXX, AND EXPERIAN ABOUT THESE UNAUTHORIZED INQUIRIES REPORTING ON MY CREDIT REPORT. I WOULD LIKE ALL THIS INACCUARATE INFORMATION DELETED OFF MY CREDIT REPORT IMMEDIATELY!
Product: Mortgage

I just received a phone call from XXXX XXXX, XXXX  the party hired by JP Morgan Chase Bank, NA to illegally foreclose on my home on XXXX XXXX, XXXX in violation of federal laws of reporting debt 15 U.S. Code Section 1681. See Attached credit report showing that the obsolete mortgage " debt '' no longer exists and yet Chase is still trying to illegally take my home from me when there is no debt to be foreclosed on. Also, I am XXXX yrs old, indigent, XXXX recently having had XXXX XXXX doctor recommended to avoid stress or face XXXX XXXX or death from these stresses. 

This is Senior Abuse which is in itself a crime. please look into : On XX/XX/XXXX. XXXX, President Trump signed into law the Elder Abuse Prevention and Prosecution Act of 2017 ( P.L. 11570 ), identifying the need for data on elder abuse. ... The law also enhances the Elder Justice Act and ensures that Adult Protective Services can be used to protect the safety and dignity of all seniors. I am asking the CFPB to step in and stop these Federal crimes and illegal acts against this XXXX, senior whom just had XXXX XXXX. THIS IS NOT IN LITIGATION!!! 

THIS IS NOT A DUPLICATE COMPLAINT!!!!!!!
Product: Credit reporting or other personal consumer reports

I have two unauthorized credit pulls for a VA loan on XX/XX/XXXX and XX/XX/XXXX. I was looking at homes online and ended up getting a hard credit pull for a pre approval when I was trying to ask questions about a home.