23daVinci/CFPB_Complaints huggingface dataset:
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 : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX/DOFED : Account Number : XXXX Account Name : XXXX/DOFED : Account Number : XXXX Account Name : XXXX/DOFED : Account Number : XXXX Account Name : XXXX/DOFED : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX/1XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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

On XX/XX/XXXX I purchased 4 airline tickets for my self and family with XXXX XXXX for travel from XXXX XXXX to XXXX between XX/XX/XXXX & XX/XX/XXXX in the amount of XXXX. The purchase was made on my Chase credit card. Between the purchase and planned travel dates the global pandemic ( COVID 19 ) caused XXXX  ( and all other airlines XXXX to cancel non essential travel. At the time XXXX allowed passengers until XXXX or XXXX of XXXX to rebook the flights at no additional charge. As the pandemic continued non-essential flights between US & XXXX were still restricted by government and it was not possible to rebook by the fall of XXXX. At that time XXXX allowed travelers to convert the tickets to points that could be used in the future to rebook the flights. Then on XX/XX/XXXX XXXX announced they were canceling all US based flight & terminating transatlantic flights. With the cancelation of US based flights we now have unusable " points '', and opened a dispute with Chase on XX/XX/XXXX after becoming aware that it was now IMPOSSIBLE to use the service we paid for since XXXX  no longer flys out of the US & offered no alternative means of transportation between the US & XXXX. On XX/XX/XXXX Chase mailed a letter denying our dispute stating that " the charge took place too long ago ''. Leaving me and my family at a loss of several thousand dollars for travel arrangements that the original merchant ( by choice ) is not capable of honoring.
Product: Credit card or prepaid card

Due to a serious health issue, I fell behind on monthly payments. I am now in recovery and I am working with a debt consolidation company, XXXX XXXX XXXX. I have been working with this company since XX/XX/2018. Would this not help with credit repair?
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX inquired on XX/XX/XXXX and XXXX in quired on XX/XX/XXXXXXXX 
The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized.

Ddi not consent to unauthorized inquiry.
Product: Payday loan, title loan, or personal loan

After loan closed received instruction for monthly payment and set it up accordingly. In addition to the monthly payment I emailed the company to apply all additional payments to principle only. After making 8 additional payments on a weekly basis they called to notify me that they pushed all payments to XXXX as early payments because I should have called them and there is nothing I can do about paying early. They already applied my payments until next XXXX. 
No company should have the right to take all payments and apply them how they want to without customer notification and secondly call to tell you they were applied to the account differently than requested by customer
Product: Credit card

I applied the US Bank Skypass Visa card XXXX. XXXX, 2024. The terms and conditions says I can receive XXXX Korean Air mileage points if I spend more than {$5000.00} in 3 month after I applied the credit card. 
On XXXX. XXXX, 2024, US bank changed the terms and condition that the person who has this card in last 5 years can not receive the bonus points even if he or she spent more than {$5000.00} in 3 months. There was no terms and condition like this when I applied this card. 
After I spent more than {$5000.00} in 3 months, I called US bank but I was told I could not receive the bonus points because I had this card in last 5 years. 
Shouldn't this rule be applied to the people who applied this card after XXXX. XXXX 2024? How did I know if this rule would be changed 1 month later? 
I attached the terms and condition that I received when I applied this card. There is no rule that US bank added on XXXX. XXXX 2024.
Product: Mortgage

I have a loan with the lender, and I was attempting to pay the loan off early with their online services. I have had the loan on auto draft payments since the birth of the loan. The loan was acquired in XXXX through one mortgage company and then transferred to Carrington a few years ago. I have never had a late or missed payment until this alleged " missed '' payment. In early XXXX of XXXX, I made an additional payment on my loan and paid the max payment I was allowed to through their online portal. The payment was in the amount of {$9900.00}. Then on XX/XX/XXXX, I put in a request to increase my loan payment by {$1000.00} a month in order to pay the loan off faster. On XXXX, XXXX the auto draft payment was confirmed, and Carrington notified me that the new auto draft amount would start XX/XX/XXXX. I believe there must have been a glitch in their system, and the XX/XX/XXXX auto draft payment was cancelled. Between the {$9900.00} payment and the request to increase my monthly payment, the system suspended my auto draft payment for the month of XXXX. I did not suspend the payment. Carrington said they mailed me a letter on XX/XX/XXXX notifying me of the missed XXXX payment. I did not receive this letter. Since XXXX of XXXX, I have made additional extra payments on the loan. At some point, Carrington must have applied money from my additional payments to the " missed '' XXXX payment, therefore no other attempt was made to contact me regarding the missed XXXX payment. I was not made aware of this issue until last month when I was attempting to take out a loan. My loan officer notified me of an issue with my credit score, and this is how I found out about the issues with Carrington. I have attempted remediation with Carrington, and I have requested that they withdraw the negative report sent to the credit bureaus. They have refused to remove the negative information sent and claim that I am still at fault for the missed XXXX payment. I am distraught that my attempt to be financially responsible has resulted in a bad mark on my credit score that will haunt me for the next 7 years especially since this was no fault of my own.
Product: Debt collection

Midland funding has XXXX accounts on my credit reports and they constantly update these accounts as if they are valid and new every month they re-age these accounts I 've tried many times to dispute and delete to no avail. I 'm trying to buy a home and these are not valid or current items
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an dispute in regards to the incorrect items on my credit report. It has been well over 60 days and I have not received any investigation results. XXXX is reporting Midland credit as open account, collection and derogatory account at the same time which is in violation of the credit bureaus and my rights. XXXX  is also reporting XXXX and XXXX which has been deleted of XXXX  .I demand the credit bureaus take off everything I didn't authorize. The companies owe me {$3000.00} dollars for violation my rights. Thanks
Product: Mortgage

I have paid on this XXXX mortgage for 8 years and recently decided to pay it off. When I started looking into the payment history which is on line, I discovered that the payments have not been equitably allocated throughout the 8 years I have been paying on the loan. There is no consistency in the allocation of interest, amount toward principal, etc. There are also " fees '' listed with no explanation. I tried contacting the company and they would not give me any answers. I turned over the matter to an attorney and the company has not been responsive to the attorney 's attempts to obtain any information from them. My attorney suggested that I file a complaint with this agency in order to make the company respond to my request.
Product: Credit reporting or other personal consumer reports

I'm reaching out today to report that I've been a victim of identity theft. Please consider this letter as a formal dispute concerning the following accounts. I've already reached out directly to all the involved companies and followed the prescribed steps to address this issue. I've also filed an identity theft report with the FTC and have disputed the information with each company. I kindly request your assistance in resolving this matter. XXXX XXXX XXXXXXXX.
Product: Debt collection

relate to reference # XXXX false accusations due to I closed my checking and savings account with Wells Fargo in XX/XX/XXXX because my XXXX was decreased for moderate reasons, in XX/XX/XXXX during my divorce I found out XXXX had a Lien on my property, I called and asked XXXX the reason of the Lien, agent told me Wells Fargo sold my account to XXXX XXXX in XX/XX/XXXX and owe $ XXXX, I told the agent my account was close in XX/XX/XXXX, I ask for their documents and other questions, which he could n't give me an answer, agent then transfer me to another department. 
once connected I ask for their documents and was told I open my account Online which I never do, cause I do n't trust online banking, I asked what department I transfer to? she told me is Law office for XXXX and will look into it and call me back once she finds or dismiss the claim had against me. 
XX/XX/XXXX I received letter from XXXX, Attorneys at Law send me copies of alleged accusation from XX/XX/XXXX which I have no knowledge of, since then I been receiving numerous letters from XXXX AND XXXX stated false accusation from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX from both parties and different amounts which I have no knowledge of. the time I opened and closed my accounts with Wells Fargo in XX/XX/XXXX, same year Wells Fargo was under investigation by the FDIC with Fraud and embezzlement.
Product: Mortgage

Nationstar Mortgage has repeatedly failed to pay my homeowners insurance and when notified of the cancellation, tried to initiate a lender-placed policy on my home. I have repeatedly asked that the escrow be removed from the account and they refuse to do so, claiming that the escrow is a requirement, since this is a federally-backed loan.
Product: Debt collection

I have contacted the collectors several times in regards of a medical debt I have reporting on my credit. They are in violation of HIPPA which protects my information and details. They have sent me a breakdown of fees and patient report history which is a violation of HIPPA I did consent for a third party to have access to my medical records and personal health information they are in violation and need to remove this debt from all credit reporting agencies with a letter of deletion. Wakefield and associates ( XXXX   XXXX  XXXX for both accounts in XX/XX/2015 for XXXX and XX/XX/2015 for XXXX )
Product: Debt collection

I request the removal of the Jefferson Capital Systems account from my credit report, as the original creditor, XXXX XXXX, sold my account to Jefferson Capital Systems, a collection agency, without giving proper notice. This action constitutes a clear violation of my rights.
Product: Debt collection

On XXXX  XXXX  XXXX I received a letter from XXXX XXXX stating that a debt was sold to Portfilio Recovery Associates ( encl 1 ) I responded to Portfolio Recovery Associates LLC on XXXX XX/XX/2019, with 2 letters to 2 different locations with a request for validation of the debt, which included a full accounting of all charges ( encl 2 ). One letter was delivered onXX/XX/19 and the other XX/XX/19 Encl ( 3 ) and ( 4 ). Portfolio Recovery Associates did not respond until afterXX/XX/19 ( 35 days later ) with a cover letter dated XX/XX/19 ( encl 5 ), containing 3 statements with payment due dates of XX/XX/17, XX/XX/18 and XX/XX/18 ( encl 6 ) ( encl 7 ) and ( encl 8 ). The cover letter states that Date account opened provided by the seller wasXX/XX/17, yet none of the statement provided to me had charges from that date. The oldest statement was dated XX/XX/17 and shows a previous balance of XXXX ( encl 6 ). The most recent statement datedXX/XX/18 ( encl 8 ) had a commingled charge of XXXX which was said to be the value of the purchase of the debt. However, the charge appeared on a statement which was supposed to be proof of charges I had made and not a transaction between XXXX XXXX  and Portfolio Recovery. So far Portfolio Recovery Associates has responded beyond the 30 days allowed by law ( 15 USC 1692g 809 ( a ), When they did send documents, they were not a full or accurate accounting of the charges they allege I owe. Portfolio Recovery Associates had this debt put on my credit report undisputed and without proper verification which is a violation of 15 USC 1692g 809 ( b ) and ignoring my written request to have this alleged debt validated and continued collecting 15 USC 1692g 809 ( b ) .They also continued to collect after receiving a cease communication notice 15 USC 1692c 805 ( c ). The second letter I wrote to them is dated XX/XX/19 encl ( 9 ) and certified receipts encl ( 10 ) explaining to them that they had not provided me with the documents that would validate the debt accurately or in a timely manner, and that I insisted that they removed if from my credit report. They sent me a response with a cover letter dated XX/XX/19 encl ( 11 ) which included the same 3 statements encl ( 6 ) ( 7 ) and ( 8 ) stating that PRA LLC has obtained and reviewed the attached documents related to this account, which establish its validity.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Federal Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of spite outcomes. These failures align with my experience, where Experian has neither corrected nor removed spitted items despite the evidence I provided, causing ongoing harm to my credit standing. I'm requesting immediate corrective action to remove or amend the disputed accounts as Experian inaction violates federal law and my rights as a consumer.
Product: Debt collection

Midland Credit Management reports owning a debt for MCM # XXXX in the amount of {$360.00} This is inaccurate information being reported to credit bureaus for an alleged debt in addition to double reporting for a reported debt that is currently on my credit file from the ORIGINAL CREDITOR, additional the balance reported requesting collection of, is inaccurate and therefore being disputed. 


duplicate reporting to credit agencies, using deceptive practices and inaccuracies is a violation of FCRA 1681e ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT OR THIRD-PARTY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Texas XXXX ( since XX/XX/XXXX ) ( XXXX ) XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX On XX/XX/XXXX, I was targeted, and my car was broken into, my purse containing my social security card, drivers license, credit cards, debit cards, blank checks and account numbers were stolen as I took my XXXX  into daycare. Since then, XXXX XXXX has been convicted of Theft/Aggravated Robbery and XXXX XXXX has been convicted of theft of Identifying Information ( I dont know either person ) on my behalf. Both individuals have assumed my identity to open several fraudulent accounts, loans, enter into contracts and make payments using my stolen information. Many of the accounts have been open and maintained for over a year. For a period of time my personal checking account was taken over by fraud. For several years I was unable to access my credit reports due to not being able to identify myself to the bureaus as my information was mingled with the person who had assumed my identity. During that time in XXXX of XXXX, I contacted XXXX at the request of my student loan servicer and disputed the fraudulent credit card account but was told to dispute it with the credit bureaus as never late until their investigation was complete. It is my belief that I was told to do so to stall because in XXXX of XXXX I would be barred from having this account removed. Also during the time I couldnt access my credit report, student loans were opened in my name through a third-party student loan provider which blended in with my other federal loans but only appeared on my Experian file. I have been in school continuously on a part-time bases since XXXX of XXXX until I graduated XXXX XXXX in XXXX of XXXX and have NEVER made a student loan payment as they have always been on hold due to my enrollment. Although it seems I have made a payment on the XXXX XXXXXXXX XXXX XXXX accounts, I havent. I would like the following information blocked from my credit report as each account is a product of the Theft and/or Forgery : XXXX. XXXX Account XXXX : XXXX Amount : {$16000.00} XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX : XXXX Amount : {$4000.00} XXXX. XXXX  XXXX XXXX XXXX XXXX Account XXXX : XXXX Amount : {$10000.00} XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$9600.00} Police Reports : XXXX. Agency : XXXX Police Department Offense Report Title : Forgery/Fraud/Conterfeit Report Date : XX/XX/XXXX Report Number : XXXX Officers Name : XXXX XXXX Entered by XXXX XXXX XXXX XXXX. Agency : XXXX Police Department Offense Report Title : Burglary Motor Vehicle Report Date : XX/XX/XXXX Report Number : XXXX Officers Name : XXXX XXXX XXXXXXXX THE CREDIT BUREAUS ARE REFUSING TO REMOVE THE ACCOUNTS AS THEY ARE SAYING PAYMENTS HAVE BEEN MADE ON ALL FOR OVER A YEAR ( THEIR POLICY NOT TO REMOVE ). XXXX ADVISED ME TO DISPUTE THIS ACCOUNT AS NEVER BEEN LATE XX/XX/XXXX UNTIL THEIR INVESTIGATION WAS COMPLETE BECAUSE THEY KNEW IN XX/XX/XXXX I WOULD BE BARRED FROM HAVING IT REMOVED.
Product: Debt collection

A few weeks ago I received a summons from Outsource Receivables Management, a company I 've never head of. I tried contacting them but they never returned any of my calls. After doing some research I found they were trying to collect for XXXX XXXX Clinic. I contacted them directly and made a verbal agreement to make payments directly to them ( which I have been doing ) On XXXX XXXX, 2017 I received a notice of judgment for $ 1600+ from Outsource Receivables Management. My biggest complaint is that I never received any notice of collections from this company. This is not a legal practice. And I have made arrangements from with the original debtor and have paid half of the original balance of {$960.00} down to {$480.00}
Product: Debt collection

I RECEIVED THESE XXXX STATEMENTS, I DO N'T OWE ANY OF THESE, NEVER BOUGHT ANY XXXX PRODUCTS, I CONTACTED THEM AND THEY DO N'T FIND ANY OF THOSE ACCAUNTS, THIS COULD BE AN SCAM
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPBXXXXXXXX XXXX XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Debt collection

Dear CFPB, I really need help to address this inaccuracies on my credit report which is tarnishing my reputation and stopping me to establish a good credit. I have sent a dsipute to credit bureaus but I was not able to receive a good response. 


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

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

15 U.S.C 1681 section 602 A. States I have the rights 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.
Product: Debt collection

SEQUIUM ASSET SOLUTIONS has reported to the credit bureaus a debt due to identity theft. The police report REPORT NUMBER : XXXX XXXX  has been given to their original creditor twice and yet the reporting still exist on my credit reports.