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

I am Filing a complaint on XXXX for not properly investigating the dispute that is reporting inaccurate Bankruptcy information on my consumer report. I sent XXXX a dispute that they are reporting a Bankruptcy that is reporting inaccurate on my consumer report from case number XXXX. I disputed the address that they are reporting on the bankruptcy and the name on the bankruptcy. What was alarming is that XXXX deleted the address that is listed on the Bankruptcy but, not the bankruptcy. XXXX didn't verify the name on the Bankruptcy. By the letter, XXXX sent to me. XXXX is claiming they verified the case number By the FCRA all information will be 100 % accurate information or MUST be deleted. I understand XXXX is governed by the FCRA. 

They failed to do so, and has also, cause XXXX and Equifax to report inaccurate information about this Bankruptcy Both XXXX and Equifax have returned my disputes letters claiming the information is accurate. In XXXX and Equifax response letters they have stated that verified the information with XXXX as accurate when I have disputed the Bankruptcy with both reporting Agencies. I sent XXXX a letter asking for Method of verification and has not received a response which is a violation Per the FCRA. I will attach the letter from the Southern District Bankruptcy Court XXXX TX. I sent the Southern District Bankruptcy Court a letter asking their verification procedures and they responded with a letter stating the DO NOT VERIFY ANY INFORMATION with the Credit Bureaus. SO why are they Not going to the original furnisher so they will report accurate information? On XX/XX/2011, The office of the Attorney General of the state of New York conducted an investigation of these same issues. Credit reporting agencies using third-party reporting agencies like XXXX who is reporting inaccurate information. Please help in this Matter. I have attached the letter from XXXX and both XXXX and Equifax that claim they verified their information with XXXX and not the original furnisher. I have filed a totaled of 5 disputes with XXXX and 5 with eEquifax and 5 with XXXX. XXXX  claim they have verified with the Southern District Court but, I have a letter from the court stating they do not report to reporting agencies.
Product: Vehicle loan or lease

I made a payment of {$300.00} on XXXX XXXX through the Allly Auto App. The goal of this payment was to decrease my principal amount. Instead the amount was applied to the monthly payment amount {$650.00} due on XXXX XXXX. I called customer service to inquire as to why my payment was not applied to my principal and was informed the app does not give you the option of making additional payments toward principal only unless it is more than the amount of the payment due. I have my regular payments set to auto pay and believe that this practice is unfair to those who do not have than the monthly payment amount available to make toward an auto account. The customer service manager informed me that in order to have a payment applied to the principal of my account balance that is less than the monthly payment. I would have to call the customer service center. It is a great inconvenience to have to call to make an additional payment because Ally does not consider a small payment toward my debt worth calculating through the Ally App.
Product: Credit reporting, credit repair services, or other personal consumer reports

My initial complaint to Ecperian in regards to my CFPB dispute # XXXX was not handled in accordance to the FCRA nor CFPB 's investigation deadline of 60 days. 

This is a blatant disregard of the seriousness of this to consumers as myself.
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. 
Account name : XXXX XXXX XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX XXXX, Account # XXXX, Account name : XXXX, Account # XXXX, Account name : XXXX XXXX, Account # XXXX, Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account 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 card

in XXXX My Chase Freedom Credit card was compromised and some unauthorized purchases were made. I contacted the company immediately disputing these transactions to no avail. I then filed a complaint with the XXXX and someone from Chase contacted me assuring me that i would not be liable for those charges. However, as of today XX/XX/XXXX the transactions are still showing on my credit card. How can Chase market a XXXX liability campaign and not honor it themselves? This hurts the little people with no voice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting late payments on my credit reports. 
According to the FCRA reporting of my payment history is illegal. This company is also in violation of GLBA because my consent is needed in order to share my non public information with nonaffiliate company such as XXXX, XXXX and XXXX. Below are 2 of the federal laws that this company is violating.

1 ) 15usc6802 : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

2 ) 15usc1681A ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Maybe this is an honest mistake and this company is not aware of all the federal mandates that were put in place by congress
Product: Credit card

The enclosed retailer ( s ) have issued hundreds in refunds that U.S. Bank refuses to issue. U.S. Bank keeps claiming they removed my dashboard access due to my account being closed. This is not true, it remained accessible for months as all other banking dashboards do when accounts close. It was removed in direct response to me being able to use it to prove refunds that retailers continually claimed were issued and U.S. Bank refused to dispute were in fact not.
Product: Student loan

This creditor has violated my rights. 15USC1681 section 602 states I have the right to privacy. 15USC1681 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card and or account under an open consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I've tried multiple times to address fraudulent, inaccurate, and misleading information on my consumer report, but the issue persists. These items have severely affected my life, causing considerable stress and XXXX. I want to emphasize that I never authorized or consented to this information being associated with my name, as I'm a victim of identity theft.
Product: Student loan

Mohela, my federal student loan servicer, has repeated ignored my Income Driven Repayment Plan ( Save ) eligibility of {$0.00} monthly payment, based on my current income and family size set by the Federal government and the Federal Student Aid Office of the U.S. Department of Education. They have admitted that " they are working on my account to correct this error '', but with success and my account is in delinquent status at this time. Also, I am on the Public Service Loan Forgiveness ( PSLF ) Program and I believe that I now am eligible and qualify for loan forgiveness, since I have been employed by eligible PSLF employers ( non for-profit hospitals ) for 13 years and 3 months as a XXXX XXXX XXXXXXXX XXXX XXXX Mohela 's, customer service representatives has continuously made mistakes with reviewing and processing my PSLF Forms by reporting they have been processed already or they are duplicate forms, specifically XXXX XXXX XXXX, which I have worked for as an XXXX XXXXXXXX XXXX XXXX for 5 years ( XX/XX/XXXX to XX/XX/XXXX ) ; XXXX XXXX XXXX XXXX for 2 years ( XX/XX/XXXX to XX/XX/XXXX ) ; XXXX XXXX XXXX for 4 years ( XX/XX/XXXX to XX/XX/XXXX, XXXX ; various hospitals during the height of Covid-19 for 2 years ( XX/XX/XXXX to XX/XX/XXXX ) ; and XXXX XXXX for 3 months ( XX/XX/XXXX to Present ). Overall, based on my 13 years and 3 months Public Service work history with eligible PSLF employers, I have gain enough qualifying payments for loan forgiveness, which Mohela is overlooking and delaying at this time. Furthermore, time is of an essence before they cause me financial ruining and a potential negative credit rating with all credit bureaus right now due to their errors.
Product: Checking or savings account

I was scammed out of {$600.00}, and Wells Fargo did absolutely nothing to help me to obtained my returned funds. I am on XXXX, and those scammers really put a hurting to me, and my pocket book. I got really sad and depressed, when I found out Wells Fargo did not have my better interest at heart. It has been two years, and I have been waiting to hear something about my stolen money, but to no avail. Please assist me in order for my stolen money, to be refunded to my Wells Fargo account. Thanks for your kind consideration. Anticipating a favorable response for me. Thanks in advance
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed hard inquiries that I did not make nor did I approve anyone to pull my credit report.
Product: Debt collection

In regards to CREDIT ACCEPTANCE CORP ( XXXX ) XXXX-XXXX  XXXX  XXXX XXXX, MI XXXX Everything here is false and misleading pursuant to 15 USC 1692e.

The information is violation of 15 USC 1692d
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several auto loan inquiries and credit XXXX credit report that were not done by me. And have significantly drop my credit score and have been reason for me being denied credit because of to many inquiries. Please help me remove these from my report. 
I have tried reaching out to the companies with no resolve. They told me to dispute it. XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX  Requested On XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested On XX/XX/ Phone ( XXXX ) XXXX Thank you
Product: Credit card

On XXXX XXXX, XXXXThe Office of the Comptroller of the Currency ( OCC ) today announced an enforcement action against JPMorgan Chase Bank, N.A., XXXX, Ohio, JPMorgan Bank and Trust Company, N.A., XXXX XXXX, California, and Chase Bank USA, N.A., XXXX, Delaware ( collectively, the bank ), for unsafe or unsound practices in connection with the bank 's non-home loan debt collection litigation practices and the bank 's non-home loan compliance with the Servicemembers Civil Relief Act ( SCRA ). The enforcement action requires the bank to provide remediation to affected consumers and to correct deficiencies in the bank 's practices and procedures related to the preparation and notarization of affidavits and other sworn documents used in the bank 's debt collection litigation and its SCRA compliance program. The OCC 's action also directs the bank to improve its debt collection litigation policies, procedures and practices to ensure that affidavits and other sworn documents used in connection with non-home loan debt collection litigation are accurate, based on the personal knowledge of the bank employee signing the documents, or other applicable standard, and are notarized in accordance with all applicable legal requirements. The OCC 's action also directs the bank to conduct a review of all non-home lending debt collection litigation at the bank from XXXX XXXX, XXXX until present, and all non-home lending SCRA accounts at the bank from XXXX XXXX until present, to identify consumers eligible for remediation as a result of the deficiencies and unsafe or unsound practices cited by the OCC. Furthermore JPMORGAN and it 's collectors filed lawsuits and obtained judgments against consumers using false and deceptive affidavits and other documents that were prepared without following required procedures, a practice commonly referred to as " robo-signing. '' These practices misled consumers and courts and caused consumers to pay false or incorrect debt and incur legal expenses and court fees to defend against invalid or excessive claims. The agreement also ensures that Chase will fulfill {$50.00} XXXX in consumer restitution through a separate XXXX consent order reached with the Office of the Comptroller of the Currency. I believe I fall under this criteria being my account was absorbed by JPMORGAN from WAMU during XXXX. And the premium I paid for my card at the time, that had a hardship relief clause for an emergency that if you lost your job. Which was not honored, once the account was taken over. Once it was taken over it was put into collections. And my account was sold and handled by at least three different companies. I know the amount I owed to wamu, was far less than that which I paid in court. By about XXXX dollars. Prior to the lost of my job my account was at XXXX and in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been informed that there is negative information reported by Sequoia Financial Svcs in  the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I have a collection of {$1700.00}. 

On XX/XX/2018, I wrote Sequoia Financial Svcs requesting documentation and record dispute while they have the opportunity to respond. I also wrote Sequoia Financial Svcs a second final goodwill attempt request for verification documentation on XX/XX/2018. Sequoia Financial Svcs has not replied with any documentation as requested for 1st request or 2nd last goodwill attempt request. I challenge the accuracy, compliance and reportability of this listing. 

They did not respond with any evidence requested verifying any documentation associated with this account, bearing my signature. They continue to report it to the Credit Bureaus and it is not my account. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file and all credit bureaus you maintain under my Social Security number. 

Please note that Sequoia Financial Services had 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and an additional 30 days from my 2nd goodwill attempt. I have kept record of their actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 

They have failed to comply with the law and as such Failure to respond satisfactorily within 30 days of receipt of the letters sent may result in a small claims action against Sequoia Financial Svcs, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act
Product: Debt collection

This is the first I've heard from you, or any other company on this matter therefore, in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, the following What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) ; Show me that you are licensed in my state, and provide me with your license numbers ( if applicable ). 

Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : You can not add interest or fees except those allowed by the original contract and state law. 
You do not have to respond to this dispute except to tell me that you either intend to cease your collection efforts or to pursue other legal means of collecting this debt. 
Should you pursue a judgment without validating this debt, I will inform the judge and your case will be dismissed based on your failure to follow the FDCPA. 
Any attempt to collect this debt without validating it, violates the FDCPA. Be advised that I intend to record all phone calls, keep all correspondence and will not hesitate to report violations to my State Attorney General, the Federal Trade Commission and the XX/XX/XXXX 

I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them this debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. 

If you do NOT own the rights to collect this debt, I demand that you immediately send a copy of this dispute letter to the original creditor that you say I owe money too so they are also aware of my dispute with this debt. 

Finally, in accordance with section 805 ( c ) - Ceasing Collections, of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law. 

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

I have no knowledge of this account I am not liable for any debt with Portfolio Recovery Associates LLC Collection system I do not have a contract with this company they did not provide me with the original contract as requested they continue to report negative and in accurate information on my credit report which violates the FCRA
Product: Debt collection

I am part of a XXXX consolidation program. And this debt keeps calling my house and my references I had on the loan application.
Product: Debt collection

1. Received a phone call in which First Federal Credit Control advised that they were attempting to collect a bill for Dr XXXX. They also assumed that I was XXXX XXXX though they did not confirm my identity before disclosing that I had a medical bill. 
2. I advised First Federal that I did not know who Dr XXXX was 3. First Federal reported this bill on my credit report First Federal was clearly made aware that I disputed this bill and they failed to provide supporting documentation as required of a data furnisher. They have not supplied the date of service, service received or any information about who Dr XXXX is or how XXXX XXXX intends to support this bill. First Federal reported this bill to my credit report without conducting a reasonable  investigation or supplying the results of a reasonable investigation. Furthermore, in their telephone communication First Federal both communicated the existence of a debt to a party without verifying that person 's identity, as well as disclosing protected health information. 

In summary, there are issues with FDCPA, FCRA and HIPPA in this one incident.If First Federal wants to claim that they did not know they were communicating with the consumer, they are guilty of disclosing both the existence of a debt and protected health information to an unidentified third party. If they want to claim that they were communicating with the right party, they are guilty of failing to conduct a reasonable investigation and supply validation of the debt prior to reporting to that consumer 's credit report.
Product: Credit reporting or other personal consumer reports

As per guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from the advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you block this information from my consumer report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all the listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts within 4 days : Account XXXX : XXXX XXXX XXXX XXXX. Account # XXXX Account XXXX : XXXX XXXX  in Account # XXXX
Product: Student loan

In 2020 my ex-partner used my information for a quote for a private student loan from College Ave Student Loans. I saw how high the interest rate was and the loam amount and decided that I did not want to be the cosigner for this loan. Despite my clear dis-interest and rejection for cosigning this loan the she used my information anyways and took out not only one, but two loans. Last year I talked to College Ave Student Loans about removing me as a cosigner but this was never resolved and they would not remove me as a cosigner. Now the account has gone into delinquency and it is hurting my credit and my financial future. My information was used without my permission, I was not present for cosigning for this loan, and I made it clear that I did not want to be the cosigner. 

XX/XX/2020 second loan of {$10000.00} XX/XX/2020 first loan of {$83000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX Owed {$540.00} ; XXXX XXXX XXXX  XXXX Balance Owed {$150.00} ; XXXX XXXXXXXX Balance Owed {$0.00} ; XXXX XXXX XXXX XXXX Owed {$110.00} ; XXXX XXXX  XXXX Balance Owed {$380.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed {$690.00}.
Product: Credit reporting or other personal consumer reports

Multiple accounts, threatening behavior, calls at all times.