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

I sent my letter on XXXX XXXX. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. 
For XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also I have attached the letter sent out. According to the FCRA the term Investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing inaccuracies.
Product: Mortgage

1. I had a fire in my home. 
2. The insurance carrier issued a check to cover damage payable jointly to myself and the mortgage company. 
3. I endorsed the check and sent to the mortgage company. 
4. They deposited it and requested I send them numerous docs then more docs. I did but there is no end in sight.
Product: Credit card or prepaid card

I had a previous Discover Card credit card account. The previous account balance and debt I owed to Discover Card was discharged under Chapter XXXX Bankruptcy in the United States District Court-District of Minnesota Bankruptcy Court on XX/XX/XXXX. I applied for a Secured Discover Card credit card account and my credit card application was denied for approval and credit. Discover Card keeps denying my online applications for a Secured Discover Card credit card account due to me filing for bankruptcy and getting the previous Discover Card account discharged in bankruptcy court. Discover Financial Services is discriminating against me for filing bankruptcy and getting the previous Discover Card credit card account discharged in bankruptcy court, denying me credit and an opportunity to rebuild my credit. Discriminating against based on my race, me being XXXX American. Discover Financial Services is in complete violation of the 1974 Equal Credit Opportunity Act ( ECOA ) under federal law. I am sending a copy of this complaint to Minnesota U.S. Senator XXXX XXXX, Minnesota U.S. Senator XXXX XXXX, the Federal Trade Commission ( FTC ), the U.S. Department of Justice and Joe Biden, President of the United States to have my complaint and this matter throughly investigated and amicably resolved.
Product: Debt collection

My car was totaled and bridgecrest was notified on XXXX XXXX. The person who was at fault had their insurance call bridgecrest and say that I was delaying settlement so bridgecrest came and picked up the car on XXXX XXXX so the insurance could get the car. The insurance company lied but bridgecrest did not call me to verify. On the day bridgecrest picked up the car I called and was informed that my gap insurance would cover what the insurance did not so there would not be a balance left over. I waited for an update and I called XX/XX/2018 and spoke with XXXX after they had reported they would remove the line of credit and I advised that I did not agree to that as my gap insurance would pay the car off so I advised they needed to properly update the account as paid in full. XXXX said that the at fault insurance company still had not paid or picked up the car. I advised why not it had been 3 weeks and I asked why no one had contacted the at fault insurance company and I could not get a straight answer. So I called back on the XXXX and spoke with XXXX a supervisor and the at fault insurance company finally came and got the car but still had not paid their portion. XXXX then proceeded to advise me that the deletion of my credit report would not be changed and that bridgecrest had cancelled my gap insurance. She said that they were following procedure and I advised that only when it benefits bridgecrest do they follow procedure and I asked why when I called when the car was repossed and they know it had been totaled out did they not inform me of this and she could not answer that. Later that day again I received 2 calls with 2 voicemails from bridgecrest.  Bridgecrest states that they do not have an updated address but I recently came home to a notice for a letter from them that required a signature but due to daytime delivery I was not home and there were no instructions on how to retrieve what was sent. Bridgecrest picks and chooses when to follow their policies only when it is in their favor and once again have violated the calling procedures for collection attempts again for the third time. I also can not even access the account to retrieve any information.
Product: Credit reporting

I disputed the XXXX Bank account reporting in my credit report on XXXX XXXX, 2016 through XXXX XXXX. The 30 day period for investigation was over on XXXX XXXX, 2016 and I have received no verification of the account and it is still showing a investigation in progress report.
Product: Credit reporting or other personal consumer reports

CREDIT REPORTING AGNECY IS FURNISHING INACCURATE INFORMATION To the consumer reporting agencies The reporting of inaccurate information has affected my character, my reputation, livelihood, and ability to credit, car or a house and this moment I have been homeless for more then six months You and your company have affected my livelihood.

As defined by the IRS Even if you didnt receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly state charge off as income the reporting of this account is inaccurate. 

INCOME IS REPORTED ON MY A CONSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. 

By definition, the IRS clearly states, the charge off is income, reporting of this account as inaccurate THE LENDER MUST FILE A 1099-C AND SEND YOU A COPY ( I HAVE NOT RECIVED A COPY OR A 5 DAY NOTICE THAT THIS INFORMATION WILL BE REPORTING ) OF THE DEBT IMMEDIATELY. YOU HAVE 10 CALENDER DAYS TO REMOVE
Product: Debt collection

I canceled my cable with XXXX last year in 2014. They sent a representative to pick up the equipment we had. I was home at the time and personally saw them. A few months later they sent a bill for {$120.00} for not returning the equipment. I made several phone calls to them over a few months period. I offered them to return and check our home for what they may have left behind. Nothing would work. They finally sent a bill of {$120.00} to a collection agency. We contacted them to resolve the matter and they were not very helpful. We contacted XXXX once again and finally thought the matter was resolved. As a matter of fact they actually agreed with us and even went so far as to issue a refund check for {$42.00} XXXX 2014. We assumed with the refund and numerous conversations that this matter was resolved. Fast forward a year later after no longer receiving any correspondence from XXXX or the collection agency we applied for a new mortgage and found it has destroyed my credit rating. I have prided myself on having a perfect credit rating for over 30 years! I pay may bills on time and have no blemishes at all on my record except for this. This small amount of {$120.00} has destroyed my credit rating and I am getting a run around from both companies. 
Against my better judgement I paid the {$120.00} in order to restore my credit. I have yet to hear anything from them and need help. Because of this I am forced to pay a higher interest rate on my mortgage. This is so unfair and upsetting. Please let me know what my options are. 

Sincerely, XXXX
Product: Credit reporting

This Agency claims they investigated my dispute but yet they continue to report inaccurate balance on my report.I have contacted them on a number of occasions but they wont respond at all.
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 items XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

Good morning, I am contacting you once again because I have come across the same problem as before which includes Equifax dropping my score for no apparent reason. I have an email saying they made an error, so my score was corrected and then they did the same thing as before within a week. Please contact them because this is a recurring issue in which I thing they are targeting me now. My Name is XXXX XXXX XXXX and the last four of my social is XXXX. My birthday is XX/XX/XXXX. My score was corrected on XX/XX/XXXX and dropped on XX/XX/XXXX. I want to inform them that if this continues to happen then I will have to seek legal counsel.
Product: Debt collection

on XX/XX/2021, i sent CONTRACT CALLERS INC. a letter for a alleged debt of XXXX that i do not owe nor have any business contacts with him.I requested the validity of the debt on XX/XX/2021 and has not heard from them as of yet.
Product: Debt collection

I responded per the FDCP Act Validations of debts with a phone call. I attempted to advise the company that this is an open court case that has no decision for any debt owed. I was told I had no rights unless I was an attorney. When I read the Fair Credit Act I was told they would continue to collect in violation of my call. The letter is dated XXXX/XXXX/2016 and my call was placed XXXX/XXXX/2016 after receiving the mailing. The representative first did not identify herself then said her name was XXXX. When I told her she was violating the act and my rights as a consumer requesting to speak with a supervisor, she placed me on hold and then came back and hung up. When I called back the phone call was sent to voice mail and I did leave a message letting them again know this was an unlawful harassment and that I did not consent to third party involvement in an open court case and that it required settlement in court.
Product: Credit reporting or other personal consumer reports

This account, XXXX XXXX XXXX XXXX XXXX bank XXXX is fraudulent and inaccurate. I have attached a FTC report, also I have attached a 15U.S.C 605B letter. Also I have attachment 15U.S.C 1681i ( a ) 1 and 15U.S.C 1681i ( a ) 6 ( B ) 3. Please block or remove this fraudulent account form my consumer report.
Product: Credit reporting or other personal consumer reports

XXXX  Victims Letter to consumer reporting agencies XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arkansas XXXX Re : Trafficking block request- [ XXXX XXXX # XXXXXXXX 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 Dear sir/ Madam I am a victim of XXXX. The information listed above and below which appears on my credit report is the result of that 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  PLEASE BLOCK this information from my credit report within four ( 4 ) business days pursuant to 605c of the fair credit reporting act. As well as 12 CFR Part 1022 ( regulation V ) Please send me a notification of the actions taken. I appreciate the prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX [ XXXX XXXX Mailing address XXXX XXXX XXXX XXXX XXXX AR XXXX ]
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against AMERICOLLECT. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Credit card or prepaid card

I placed an order with an online merchant, XXXX XXXX ( XXXX ), through their website on XXXX XXXX, 2016. The merchant immediately charged my credit card in the amount of {$2100.00}. I have not received any good or services from the merchant, nor have I been contacted by them. I have attempted to contact the merchant via phone and email to inquire about the transaction and have not received any response. I have also contacted my credit card company, Chase Bank, and they refuse to dispute the transaction.
Product: Credit card

In XXXX, I deposited a Capital One check in the amount of {$210.00} for an automatic payment to clear on the XXXX. The check was a sent to me because Capital One had made two separate, automatic withdrawals from my financial accounts for payments made to my Capital One Credit Card. Two separate payments in the amount of {$210.00} was taken from two separate bank accounts that is in my name. This was the result after I had made several attempts in calling them to remove one of the bank accounts from my Capital One credit card account for two months. After calling into Capital One they agreed to send a check to me as a refund in the amount of {$210.00}. After waiting almost two weeks for the check, I received the check and decided to deposit the check to make the next monthly payment to my credit card account. Once my financial institution cleared the check, {$210.00} was paid to my Capital One Credit Card. On XXXX XXXX XXXX XXXX in the morning, I received an email stating, the {$210.00} will be available on XX/XX/year>, because there is a temporary hold on my account. The email also stated if I connect my other financial account to my Capital One account, the payment may get confirmed sooner. 
The email went on to say they have applied the amount toward my Capital One account balance but this was a one-time connection and they wont be able to access my account again. Im currently on a special payment plan program, and the payment was made on time due to the automatic payment to my Capital One account. The email was threatening and harassing. This is not the first time I have received threats from Capital One. Its possible this email is a scam. I verified all information such as the email address it was sent from, headers and footers, The email look legit. I will call Capital One to confirm receipt of this email on Monday. I want to report this because there is fraud associated with this Capital One account.
Product: Credit card or prepaid card

On XX/XX/2020, I went in to XXXX for a consultation. When I was there, XXXX had written up a Financial Agreement for XXXX to be performed. I was told to call XXXX XXXX, to see if I could increase my credit limit, so I could do this XXXX. 

However : a ) I was declined for a limit increase for XXXX XXXX ; b ) we had the coronavirus pandemic shortly afterwards, and the XXXX location was closed and may still be closed. I'm not sure. 

I didn't want to go thru with this procedure, not only due to the pandemic, which is the greater reason, but also because I didn't want to proceed with this procedure if I had to go thru a million hoops with financing this elective XXXX. 

On XX/XX/2020, I submitted a {$500.00} deposit. I was supposed to have a XXXX consultation on XX/XX/2020, which never happened, due to the pandemic. 

On XX/XX/2020, I both emailed AND mailed a letter to the Patient Care Consultant at XXXX who I had seen just a couple of days prior. I told her that I decided against the XXXX, and I asked for a refund on my credit card. 

I emailed the XXXX XXXX Consultant back and asked her to refund me my {$500.00}, or I was prepared to get a hold of Capital One. 

On XX/XX/2020, I get an email from the Patient Care Consultant, saying " Hi XXXX we been trying to get in touch with you to explain the process of the refund. 

I was working very long hours that day, so I just emailed her back to just email me information about the refund process, or leave me a voice mail regarding getting a refund. 

I have saved a voice mail on my phone from the XXXX XXXX XXXX basically saying that they can't give me a refund. Therefore, I contacted Capital One. 

Capital One assured me that this issue would be resolved, and that my account would be credited. However, on XX/XX/2020, they reversed the credit that they had originally given me and decided to reinstate that charge. 

This whole journey has left a VERY sour taste in my mouth regarding not only XXXX, but Capital One. 

Please note that as of a couple of weeks ago, I removed my name as an authorized user on this Capital One account, as my husband 's and my divorce has now been finalized. I still have the credit card number of MY previous Capital One card ; however, a credit would now need to be applied to my ex-husband 's account, because it is that account in which they reinstated that charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian congratulated XXXX XXXX on improving his credit. 
Effort after effort to find out -more finally lead to be advising that the score is XXXX According to expert the score was XXXX Requested whether or not the false claim ( s ) by XXXX XXXX XXXX was finally dropped was not answered. 

Just submitted medical reports that indicate : ALL MEDICAL RELATED BILLINGS MUST BE DROPPED. 

XXXX ON THE XXXX OF XXXX WAS DEMANDED BY CERTIFIED MAIL TO DROP THIS BILLINGS 1 ) NO XXXX BEFORE THE SURGERY @ XXXX XXXX ) THERE IS NO NEED FOR XXXX  THAT DOCTOR @ XXXX WAS TOLD BY XXXX XXXX ON THE XXXX DAY OF 3 VISITS THAT HE DID NOT WANT & NOW THESE TESTS PROVE IS NOT- REPEAT NOT NEEDED SAID DOCTOR BILLED MEDICARE FOR 3 UNNECESSARY VISITS THAT XXXX CHALLENGED TWICE BY CERTIFIED MAIL TO MEDICARE
Product: Debt collection

XX/XX/2021 Reference ID # : XXXX Dear CFPB, Portfolio Recovery Associates stated that PRA ceased all communication efforts in there reply to my compliant on XX/XX/2021, with the CFPB. However, that is untrue. PRA is in violation of FDCPA 15 USC 1692a ( 2 ) reporting on a consumer report without consent is indirect contact. As of XX/XX/2021, PRA continues to use indirect communications by reporting to the following consumer reporting agencies : XXXX, and XXXX. Therefore, PRA has not honored my request see Exhibit 1. I demand that PRA delete these entries from the consumer reporting agency and squash any future communications.

PRA also stated in their response to my compliant on the CFPB on XX/XX/2021, that PRA is a " Debt Buyer '' ; PRA purchases delinquent consumer debt from creditors to whom such debt is owed and seeks to collect such debt from consumers who owe such debt. Therefore, XXXX XXXX  has already been credited for this alleged debit ( see exhibit 2 ) PRA response. I did not give PRA or XXXX XXXX  direct or indirect consent to share or sale information that contains private information such as name, address, social security account number without my direct consent which is called Identity Theft according to the Fair Credit Reporting Act. I did not give XXXX XXXX consent to have PRA contact me or serve me this is a violation of 15 USC 1692c ( a ). There is no contract between PRA and XXXX XXXX that gives PRA permission to collect an alleged debt from CONSUMER XXXX. PRA produced old statements from XXXX XXXX  these statements are not a contract between Consumer XXXX and PRA but is proof of identity theft Exhibit 3 submitted to the CFPB on XX/XX/2021, from PRA. I am seeking the following remedy : *Deletion from all consumer reporting agencies ( XXXX XXXX XXXX XXXX XXXX ) Sincerely, Consumer XXXX
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX XXXX XXXX and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive XXXX  data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud.

Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data.

Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach.

Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.