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

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
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

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} 15 U.S.C 1681 section 602 A. States I have 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: Debt collection

This issue was resolved almost a year ago and here I am again being harassed by Portfolio recovery. They are again attacking my credit with debt that is not mine and I feel they should be suede for harassment.
Product: Debt collection

I sold a car that was later impounded from the new owner. The tow bill has been reported to my credit.Since I realize the negative item on my report I contacted XXXX XXXX and the reporting agency. I 've forward the name and address of the new owner to XXXX towing and they simply refer me to Dataline CR, the company they sold the debt to. Dataline CR does n't want to hear anything I have to say and keeps referring me to XXXX 's towing
Product: Student loan

I was mislead by XXXX XXXX and was under the impression that they were helping me to reduce my monthly payments on my federal student loans. Instead, they were charging me for services that I was unaware of, leading me to believe that my monthly payments of {$100.00} were going towards my federal student loans. I have been under this deception since XX/XX/2017 and I am in the process of requesting a full refund and cancellation of my membership with XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These Accounts must be removed immediately. I am not aware of their origin, and I do not remember any such accounts belonging to me. I demand that if you do not provide proof these accounts be removed within 7 days from the receipt of this notice. By law, and according to the FCRA I have the right to know what information you are using to report this information on my report. The following accounts must be removed NOW!!! 1. XXXX  XXXX XXXX  XXXX  2. XXXX XXXX XXXX  XXXX XXXX 3. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUDULENT INQUIRIES CONTINUE TO APPEAR ON MY CREDIT. THE FRAUDULENT INQUIRES ARE AS FOLLOWS : XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX
Product: Vehicle loan or lease

I leased a new XXXX XXXX in XXXX of XXXX. With my lease I also purchased a Dent and Wheel protection plan through XXXX. My original monthly lease amount was going to be {$120.00}, but the protection plan fee was added to my lease, so my monthly lease payment became {$150.00}. A few months later, I found out that I was originally sold the wrong plan ( due to the type of wheel ). XXXX resolved the issue by cancelling the plan and giving me a {$500.00} refund. Meaning, I kept paying the XXXX till the end of the lease. I accepted the {$500.00} settlement. So far so good. 
The problems started afterwards. At the end of the lease, in XXXX of XXXX, I requested an extension on the lease from Kia Finance, and I received it. At that time, I was told by a Kia Finance agent on the phone, that due to their computer system, they can not change my payment to {$120.00}, and I would have to keep pyaing the XXXX, eventhough I did not have the Dent and Wheel protection plan anymore. They told me on two separate occasions, by two different agents, that I would get a refund of {$180.00} for the overpayment at the end of the 6 months extension period. One of these agent 's name was XXXX. 
XXXX months of {$30.00} overpayment results in about {$180.00}, Therefore, I kept paying {$150.00} monthly for 6 months, and requested the {$180.00} refund at the end of the lease. I called several times and talked with different people about my refund. My call was always transferred from ane person to the next, I was put on hold for long periods of time, such as XXXX minutes, but no one seemed to know who was responsible for refunds. Eventually, I spoke with XXXX, back in XXXX, who told me that I would not get a refund. When I asked why, she put me on hold for a long time, for doing research, and eventually she coud n't give an explanation. Just said that my account was not due for a refund. I asked to speak with a supervisor. She said she was the superviror and that her supervisor was not available. I also mentioned that I wanted to write to Customer Service. She told me that even if I contacted Customer Service by writing, the letter would come to her and she would deny my request.

Kia Finance Attn : Care Department XXXX XXXX XXXX XXXX XXXX, CA XXXX Even though, this is about a {$180.00} refund, I feel that I received an unfair treatment from Kia Finance . Also, the same problem could happen to someone else, who might lease an expensive car, therefore lose more money in the process, than I did.
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 any purpose
Product: Mortgage

Hello- Apparently you ran an escrow analysis on XX/XX/XXXX but a copy has not been received by me via mail or email. I logged into my online account today, XX/XX/XXXX, and only see the XXXX XXXX available. 

I then called on XX/XX/XXXX and the 1st female agent was unhelpful and said it was " provided to me on XX/XX/XXXX '' but not mailed until XX/XX/XXXX. I advised her that made no sense bc nothing was provided on XX/XX/XXXX, and if it was mailed on XX/XX/XXXX, I havent received it yet. She then acted like I was putting her out by requesting it, and said she would email it to me. I said okay.. and hung up. a few mins later I received her email and it only included the XXXX XXXX in error, and not the XXXX XXXX. 

I called back and spoke with a male agent on XX/XX/XXXX, and he said he would email it to me.. same thing.. he emailed the XXXX XXXX, not the XXXX XXXX. I made him stay on the line, and then he told me that actually the XXXX XXXX had not generated and it wouldnt generate until XX/XX/XXXX. 

If an XXXX was ran on XX/XX/XXXX, why would it take until XX/XX/XXXX to generate? Why isnt the XXXX XXXX uploaded online as of XX/XX/XXXX for viewing to support the new monthly payment amount I'm being charged? 

PLEASE PROVIDE A COPY OF THE XXXX XXXX, and mark the errors against yourselves for all concerns mentioned above ... misinfo, delay in providing statements etc.. Please pull and review the calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX  report I have an item being listed as : Collection Agency : FIRST FEDERAL CREDIT CONTROL  Original Creditor Name : XXXX XXXX Date Assigned : XX/XX/2017 Original Amount Owed : {$300.00} This item is NOT mine. I have provided my social and DOB to the collection agency and they determined it was an error and that the item belongs to someone else with the same name. 

First Federal Credit Control ( FFCC ) provided a letter saying they have removed that item and I have included this letter in a dispute to XXXX  on three separate occasions. On each dispute XXXX  wrongfully determines the item does belong to me. 

XXXX  claims they are waiting on FFCC to remove the item ; FFCC claims they have removed it and it us up to XXXX to delete it from my credit report. I have contacted each agency on several occasions and none of them seem to be able to take any further action to remove the item.
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 XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number:XXXX has violated my rights. Or a 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: Checking or savings account

Ive resent a XXXX XXXX from XXXX the people who issued my check the lady who keeps responding is lying saying she never received it this bank needs to be investigated as soon as possible I have proof of the XXXX XXXX letter this has been since XX/XX/year> I lost slot behind this late on bills and I want their matter to be known I even filed better business complaints also
Product: Credit card or prepaid card

Billing Dispute XXXX Citicards, XXXX XXXX XXXX XXXX XX/XX/2021 I filed a dispute for a charge of {$200.00} that XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 that I did not authorize. The merchant refused to reschedule my appointment and unilaterally charged me {$200.00} in a day when New York XXXX authorities had banned all transportation due to a declared state of emergency provoked by a violent tropical storm. On XX/XX/XXXX I received a letter from the Dispute Center at Citicards asking me to submit additional information and to sign a legal document stating that I did not authorize the charge. I did so in an email containing additional information and also attached the form with my signature, sent on XX/XX/XXXX. I am attaching that email too. They acknowledged receipt of my email and the signed form on XX/XX/XXXX. 
On XX/XX/XXXX I received another email from the Dispute Center stating that they submitted the information to the merchant and would get back to me within XXXX business days. That was the last time I heard from them. 
Since then, I have called to the Citicards Dispute Center several times. I only received vague responses about the investigation process. The merchant supposedly had until XX/XX/XXXX to respond. I was eventually told that the merchant never responded to the additional information I provided. I called XXXX times in the last XXXX weeks and the staff at the Dispute Center never offered an answer so as to why they have not resolved the dispute yet and could not even confirm if they had processed my email from XX/XX/XXXX and the signed form I sent. Needless to say, the time limits and deadlines to resolve the dispute have long passed. Please let me know if you can help me to get my credit card to respect my rights as a consumer and finally resolve this dispute.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a complaint against XXXX, XXXX and Equifax for furnishing transactions on my credit report that is excluded by law as per the FCRA 15 USC 1681a 2Ai. ( The following account reporting ) : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX They are reporting these transaction as Late, ( 2 ) Exclusions.

Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My Transactions or experiences with those company by law are excluded from my consumer I need this transaction or experience deleted from my consumer report. The only way a corporation can possibly report a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I am concerned that these negative reporting are impacting my ability to obtain credit, rent an apartment and find employment
Product: Debt collection

I am writing to dispute the validity of the collection account associated with [ Account Number ] on my credit report. I recently obtained a copy of my credit report and noticed the presence of this account, which I believe has inaccuracies.

Upon reviewing the details of the account, I have identified discrepancies in the information provided. I request that you investigate and verify the accuracy of the following points : 1. **Validation of Debt : ** Please provide detailed documentation verifying the legitimacy of the debt, including the original creditor 's name, the original account number, and the complete chain of ownership.

2. **Statute of Limitations : ** Verify and confirm whether the debt falls within the statute of limitations for collections in [ State ]. If the statute of limitations has expired, the debt should no longer be legally collectible.

3. **Reporting Dates : ** Ensure that the reporting dates on my credit report align accurately with the actual timeline of this debt. Any inaccuracies in reporting dates may be grounds for removal.

I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to dispute this information. I kindly request that you provide a written response within 30 days of receiving this letter.

If you can not validate the debt or if any inaccuracies are found, I request the immediate removal of this collection account from my credit report. Additionally, please provide written confirmation of the resolution and any actions taken. 

Thank you for your prompt attention to this matter. I look forward to a timely and positive resolution.
Product: Checking or savings account

Hello, On XXXX I opened my Kabbage Checking Account ( Sole Prop. ) XXXX. This was opened under XXXX XXXX under my Name and SSN. At the time there was a Bonus of {$300.00} for making 5 debit purchases within 45 days. Five Debit purchases was completed XXXX. My account balance was {$27.00} on XXXX. 

Then sometime between then and XXXX my account was locked Pending additional documents for verification. I provided My Drivers License, Tax Returns, and a Bank Statements. 

However My account is still locked after sending emails and talking to representatives over the phone. No one has been able to unlock it. I am requesting my All my money including the {$300.00} Bonus and my account to be unlocked. I have given enough time to figure out what to do. I have supplied all of the required documents. I have attached an email I sent and the Bonus Disclosures along with the proof that my account is locked. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a letter in the mail ( XXXX ) from the XXXX XXXX XXXX saying that a tax return was filed in my name and with my Social Security Card. I then ran a credit report with all 3 accounts. On two of the three credit reports, there was a Discover card opened in XXXX with my name and Social Security card as well. As of XXXX, I was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report identity theft again, they applied for a credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and this is affecting my Credit in a negative way, I have already reported this situation and I have not received any solution since it keeps happening, I already reported it to RobodeIdentidad.gov, to social security to report the fraud with my identity and social security number, to XXXX but it keeps happening and affecting my credit report. I called XXXX and they didn't give me a solution either. I appreciate your help as it negatively affects my credit report. The last credit application was for a vehicle Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX 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 reportinq 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 the information is inaccurate.
Product: Student loan

My XXXX account says I owe {$35000.00} in principal for my student loans. Mohela 's website agreed with that amount on XX/XX/2023 when I paid that amount in full to them. 

Now they are saying that I owe them $ XXXX more than that in principal plus some interest that was added on to my account during the payment/interest pause. 

I want my account on Mohela to line up correctly with what is on XXXX and reflect that I paid the full amount of principal that I owed and then I want the interest that was added to my account removed because I do not owe that.
Product: Credit reporting

Based off the fact that Experian has yet to forward any documents to me, show me any proof the fact that I have reached out to them on several occasions with proof from the creditor they are clearly in violation of Section 611 ( 5 ) ( A ). 
I have contacted Experian and spoke with XXXX and she stated that they are unable to use the information that clearly show XXXX investigated my dispute and is unable to substantiate - show to be true, give substance to, support, uphold, bear out, justify the debt. She also, stated that they reached out to XXXX and they just stated that it should remain. This is not an investigation on Experian part. 
The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That 's all Experian has been doing the past couple of months and it is against the law and clearly in violation of XXXX 

Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

enhanced recovery system corp is reporting on my credit without validation i call them and asked for validation which they could not proved
Product: Mortgage

We bought our home in 2016 and financed with Nations Lending. On average we get about 2-3 letters a week from our mortgage company threatening us with foreclosure. 
Our mortgage payments are automatically deducted from my husband 's account. He is paid bi-weekly and may or may not have the entire payment in his account on the XXXX of the month, but always has it shortly there after. Basically, the mortgage payment is always made within 10 days of it being due. However, the letters keep coming. The mortgage company also sends someone to our home once a month to " survey our property ''. They always leave notes on the door that they have been there. We are never home because they come during the day while we are at work. 
This will be the 3rd home that I have purchased and I have never been treated this way by a mortgage company. 
The constant letters have caused problems between my husband and I. Whey they first began, I assumed he wasn't making our house payments. That created trust issues between us. Once I called the mortgage company and questioned them about this practice, I realized what they were doing. They were completely unapologetic and refused to refrain from sending the threatening letters to our home. Some times they even send them certified mail. I would go as far to say that what they are doing is harassment. To come onto my property and invade my privacy on a monthly basis should be illegal. What if I was in my backyard sun bathing in the XXXX by our pool? They should not be allowed to come onto our property without permission. And they should NOT be permitted to continue harassing us with threatening letters. I could understand if were several months behind on our mortgage, but we are never behind more than 10-15 days. I have tried to work this out with the mortgage company, but they refuse. They even tried to insinuate that we needed assistance paying our mortgage payments and suggested we apply for help. I no longer trust them and I don't believe anything that they tell me. The complaints against this company online are numerous. Apparently they do this to a lot of people. It should not be allowed.
Product: Debt collection

This company is calling my phone with XXXX different call now numbers. After I ask for the information to this false account. I told the collection agent that I told the company The XXXX XXXX to court on XXXX XXXX. I judgement was for me. This collection agency stay call my phone and harass, call me names.
Product: Debt collection

Requested debt validation from collector. They have not made any attempts to validate date and under the Fair Credit Reporting Act it states that collectors have 30 days to validate date after the request have been made and if debt can not be validated they are to remove from credit report. Fair Credit Reporting Act Also states that collectors have to stop collection acts until debt is validated. Collector has not send validation nor stopped attempting to collect debt