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

This complaint is regarding Account # XXXX. I notified XXXX XXXX and All 3 Credit Bureaus of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) and the Fair Credit Reporting Act, along with the corresponding local state laws. I indicated to them that I was is disputing this account and I am requesting " validation '' ; that the Vehicle Purchased from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX NY was not sold to me as a lemon. I was in pursuit of filing a claim with the State of NY Lemon Law when the vehicle was towed. I have never fully utilized the vehicle while in my possession because it was in XXXX XXXX possession the majority of the time I was paying for it the vehicle was in the Mechanic shop. The vehicle had various electrical and mechanical issues from the day I bought it. It was purchased on XX/XX/2018 and two days later began the issues of fixing the issues. I have filed a complaint with the NY Dept of Motor Vehicles about the sale of vehicle Vin # XXXX. I asked that XXXX remove this account from all 3 credit Bureaus.
Product: Debt collection

XXXX XXXX of sonnenschein financial services contacted me regarding a outstanding debt for a traffic violation ( red light ticket ). XXXX XXXX stated I must pay the remainder in full or my credit and or driving record would be affected. I spoke wth representatives of this agency and explained in the past that I would have to make payment installments towards the debt, previous representatives where ok with this I made 2x installments already towards the debt. When XXXX XXXX threatened my credit and driving record I told him thats against FDCPA rules and he stated we ( sonnenschein financial services ) are not bound by that. This seems unlawful and concerning being a consumer especially over a redlight camera ticket.
Product: Credit reporting or other personal consumer reports

The account in question, which was previously removed, has recently reappeared on my credit report without any explanation or justification. This re-reporting has negatively impacted my creditworthiness and has caused undue stress. Despite my efforts to resolve the matter directly with TransUnion, they have failed to take appropriate action to remove the account permanently or provide me with any documentation verifying its validity. 
Details of the Account : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Date of Deletion : XX/XX/XXXX Timeline of Events : XXXX. On XX/XX/XXXX, this account was successfully removed from my credit report after a dispute. 
XXXX. On XX/XX/XXXX ], I noticed that the account had been reinserted without prior notification or proper documentation as required under Section 611 ( d ) of the FCRA. 
XXXX. I contacted TransUnion to dispute the reappearance, but the issue remains unresolved. 
Violations of the FCRA : XXXX actions appear to violate the following provisions of the FCRA : XXXX. Section 611 ( d ) : Failure to notify me within five business days of re-reporting the disputed account. 
XXXX. Section 611 ( a ) : Failure to conduct a proper reinvestigation of the account before re-reporting it. 
XXXX. Section 623 : Failure of the data furnisher to verify the accuracy of the information before reinsertion. 
Supporting Evidence : To support my complaint, I have included the following documents : A copy of my most recent credit report highlighting the disputed account. 
Documentation showing the accounts prior deletion. 
A copy of my correspondence with TransUnion regarding this issue. 
My identification ( drivers license ) and proof of address ( Credit Card Statement ). 
Requested Resolution : I am requesting the CFPB to investigate this matter and take the following actions : XXXX. Require TransUnion to remove the account permanently from my credit report. 
XXXX. Ensure compliance with FCRA requirements regarding proper notification and validation of reinsertion. 
XXXX. Hold TransUnion accountable for any negligence or non-compliance with federal laws. 
This situation has caused significant harm, including a drop in my credit score and XXXX related to correcting this issue. I kindly ask for your assistance in resolving this matter promptly. 
Thank you for your time and attention. Please feel free to contact me at XXXX or XXXX if further information or clarification is needed. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

In a previous complaint with CFPB ( complaint number XXXX-XXXX XXXX XXXX agreed to credit my account and remove the late reporting, well they never done it and still appearing on my credit report damaging my score for months. Because we have access to only one free annual credit report per year I only catch the problem now. 
The complaint was closed with the resolution they proposed but they never kept their word, this is causing me to pay a higher price for everything else because of a lower score and late payments marked on my credit very unfair.
Product: Checking or savings account

I have successfully opened an eligible account, signed up for the promotion offered by the bank, deposited and maintained $ XXXX, successfully meeting the requirements of the promotion for receiving {$3000.00} in reward. However, I did not receive the full amount of eligible bonus to my account and have not received resolution on escalation requests I made. Moreover, I did not get timely responses from my bankers after reaching out to them during the promotion period to ensure that I met all the requirements and to check on the progress of the qualification.
Product: Debt collection

XXXX XXXX has me in collections for XXXX dollars. I have requested verification of the debt and they have not given me anything. They also sold this debt to multiple collection agencies and continue to report to my credit report. Experian, XXXX and XXXX also have not investigated accordingly as when I dispute the collection with them they report it as correct in less than 24 hours of filing a dispute. I have also reported this account to federal trade commission.
Product: Credit card

Midland credit management company has agreed to dismiss and close the account and remove negative items on my credit reports. I have a letter of dismissal from Midland company
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX XXXX XXXXXXXX XXXX gave me a settlement amount on the credit card I had with them. I paid the settlement amount in full. They sent to Equifax that I still owe {$3600.00}. Just a few days ago they have now increased that amount by another {$23.00} ( which now totals {$3700.00} ). I sent a letter to Equifax stating this information and now they are showing that XXXX  XXXX XXXX has removed the verbiage of charged off account. How can they come up with the terms for the settlement, I paid them what they asked for in full and send a report to Equifax that I still owe them money and removed the remarks that it was charged off? And now add more money to the amount.
Product: Debt collection

The company claims : I owe, {$16000.00}. I do not agree with the claim in fact, I owe {$0.00}.
Product: Debt collection

OK here is the trouble : XXXX and XXXX subsidiaries trying to collect big bucks that were passed long ago of limitation back in XXXX when all collection attempts failed to collect because of no income in my part /unemployed /when the economy went under in YR XXXX. 
So why are they now trying to collect money a second time, that was way long past due and destroying my credit reputation as well. havent they ruin my life long enough, Then they decided to return and collect the fees a second time again and destroy my credit once more for something long ago! many years ago! ( XXXX ) and they're coming back to trouble me a second time they should be ashamed. 
I think this has been passed way its limitations in California regulation seven years I believe It's limitations to collect or report anything on your credit obviously they're probably breaking the law. I don't know that but obviously, they are abusing the system and it's not right. Shame on all three, XXXX XXXX and the third-party agency collecting. 
yeah, I read the disgusting letters when they arrive wanting to collect for a dept that was past its time many years ago! Then upon reading Increasing additional fees from original past due {$390.00} last I remember? to collection attempts in XXXX why! - Today it is increased by {$800.00} how can that be doubled the amount? then asking to settle the payment for {$440.00} and XXXX cents. we are in the year XXXX. 

We are living in critical times once more you're attempting to collect monies once more!!! when this should have fallen from its limitations years ago!! I am struggling to stay alive and make ends meet like so many Americans in dire times all over this pandemic you are a disgusting organization. sprint t-mobile ECR collection 's I believe this is already breaking the law attempts for money that was owed long ago! XXXX and XXXX you should be ashamed. Trying to ruin and tarnish my credit which took so many years to repair and recover after the economic smash in the yearXXXX when I was unable to establish or make my payment obligations. Now again they're attempting to come back and ruin and steal my life away once more. to attempt to collect something that was 16 years ago past its limitations for sure, this is wrong to ruin my credit status once more! and collecting! ( WTH ) by threatening to report to all three agencies is devasting to me! when it was due many years ago 16 years ago! CFBP please protect my rights, or advise.
Product: Mortgage

I have been getting charged {$240.00} XX/XX/22, for Insurance ( not mortgage insurance ) on my home, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, MN XXXX. 

I do carry insurance on my home and have since it was purchased ; XXXX XXXX XXXX  XXXX. This has been communicated, repeatedly, to Chase, yet I am still seeing charges for an additional insurance plan from Chase. 

I have communicated this to them multiple times yet continue to see this additional charge on my bill.
Product: Debt collection

Received an alert on my credit report from a collection agency. On XX/XX/21 I called the creditor ( XXXX  ) immediately regarding the bill. Being that I had automatic withdrawal with them I should not owe. XXXX didn't change my bank account information so they never took money out so I paid them directly and received an email it was paid in full on XX/XX/21. I then I called the collection agency and informed them that I paid XXXX  directly and I sent them confirmation of proof that XXXX  sent me. Collection agency said that wasn't good enough. On XX/XX/21 I called XXXX explained to them that collection agency did not except my proof of payment. So she sent me a paid invoice and we called on a conference call and spoke to XXXX XXXX and her supervisor XXXX XXXX, the Respresentive for XXXX gave supervisor ( XXXX ) all the information XXXX requested about payment and we sent over the paid invoice and XXXX said that wasn't excepted and they needed to call XXXX XXXX to confirm. We asked for the corporate number she gave us a number to her company which they do not answer. I am told by XXXX on XX/XX/21 a notification electronically was to the collection agency to remove/closeout because I paid in full to XXXX. Collection agency is reporting I still owe. I filed a dispute with XXXX and sent them proof of documents that it is paid and collection agency is sending an E-Oscar stating debt is still owed. On XX/XX/21 I called XXXX again they told me on XX/XX/21, XX/XX/21 and XXXX they sent Collection agency notification electronically that I paid bill to them directly. Collection agency said I have to pay them as of this date XX/XX/21. Collection agency is upset because I will not pay them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account # XXXX In accordance with the fair credit reporting act, XXXX XXXX Account # XXXX, has violated my rights.

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

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an 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: Credit reporting or other personal consumer reports

I mailed certified letters to XXXX, Equifax, and XXXX stating that the information that they are reporting is not accurate and the information that they are reporting is error. Like my Name, Address, Late Payments, and Closed accounts, the consumer reporting agencies said that the accounts were accurate. the law says 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.ALSO 15 U.S Code 1681a ( 5 ) ( A ) ( i ) ( ii ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Debt collection

The Bureau have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA where they are required to ... promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ).
Product: Credit card or prepaid card

I have been ongoing notifing XXXX XXXX XXXX since XX/XX/2017 of misconduct and mishandling of my XXXX credit card account to date. The random responses from Bank continue to be inappropriate to my clear and direct questions to date. 
Since it appears no one is available with the bank to assist me with my ongoing dispute balance AND mis- handling if my account, I am requesting that XXXX XXXX XXXX : 1 send me a copy of XXXX AND BANK agreement policy and step by step procedures on handling items returned thru XXXX , when And how credits are put back to Consumer accounts and when is bank notified by XXXX if returns. 

2. I am requesting that the bank send me XXXX and Banks agreement policy and step by step procedures for handling a consumer 's complaint, when consumer reports abuse and misconduct with XXXX credit card. This policy and procedures needs to include consumers timeline to report their issues when found, who works on compliants at bank and what is the wait time to hear from bank ( 30/60 days ....? ) This information will help me clearly understand the working relationship and agreements between XXXX and XXXX credit card XXXX XXXX XXXX. Hopefully this information will also give me some understanding as to where there could have been a disconnect with the charging of items and handling of my credit card, from my actual purchases through XXXX : per advertised prices of items and support services to consumers with purchases. 
* Bank response back needs to clearly report what complaint department handles this type of complaint from XXXX card consumers. I am seeking to understand who has been working on my complaint to date, as I have not heard back from them directly with any type of resolution with me acct. 

please send all information through the Consumer Finance website only. 


***I am not getting my answers from the bank about my account and the things that's going on with it, I also have not been getting items purchased as advertised through XXXX XXXX XXXX XXXX. I am trying to resolve where the disconnect has been ongoing taking place with my XXXX credit card and advertising practices for XXXX as the two businesses partner to provide consumers with services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the credit bureaus on XX/XX/XXXX, but didn't have any luck. I also filled out a Identity Theft Report ( FTC Report Number XXXX ) Delete Hard Inquiries XXXX XXXX from XX/XX/XXXX XXXX from XX/XX/XXXX Capital One Auto Finance from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX Capital One Auto Finance from XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize Barclays Bank Delaware ( BRCLYSBANKDE ) to run my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items will be deleted immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently denied a lease for an apartment I'm assuming for the following reason. 

Experian is currently reporting : XXXX/XXXX  XXXX  XXXX  account number # XXXX : Currently reports inaccurate balance or credit limit ; a violation ; as a result the entire account must be deleted immediately. 

: Currently reports a monthly payment amount after account has been closed. A violation : as a result the entire account must be deleted at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently pulled by credit report and notices credit inquires that i do not recognize, unauthorized and NOT mine. i must have been the victim in a cyber hack or identity theft.

these non-account holding inquires with : XXXX XXXX card, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX- XXXX XXXX-XXXX XXXX XXXX. Are NOT mine, i do not recognize and did not authorized. these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports and noticed that I had a late payment on XXXX accounts ( XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX ) that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact that I was never late. Thanks!
Product: Checking or savings account

On XX/XX/XXXX I ordered from XXXX  {$42.00} worth of products. They claim that they ship products within a week 's period of time so I gave them a whole week before reaching out to them with no status update on my package. Approximately XX/XX/XXXX or XXXX I decided to reach out to Chime which is how I paid for my items to dispute this purchase and request a refund but they have denied my dispute XXXX times thus far when I provided them proof that I never received my products nor my refund of {$42.00}. They originally claimed they were a bank and now they are saying they are a financial institution but either way they take too long to investigate disputes and they do not look at documented facts of a legitimate request of a refund that I rightfully deserve from the merchant. I am currently without any products that were canceled due to the dispute and I have not received my money back from the merchant nor this supposed financial institution that has been called a bank to get people to use their services with a checking account a savings account and a routing number that coexist with this so-called financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy 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 15 USC 1681 section 602 A states I have a right to privacy.

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

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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 reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The account that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint concerning the inaccurate reporting of multiple late payments by JPMCB Card Services to the credit bureaus. According to their records, several payments are falsely reported as late. These alleged late payments were made on time, yet this incorrect information remains on my credit report, causing harm to my credit score.
Product: Mortgage

On XX/XX/XXXX Penny Mac Holdings, LLC, And PennyMac loan services transferred my loan to XXXX XXXX XXXX WITHOUT LEGAL STANDING, BECAUSE ONXX/XX/XXXX, the Judge For the Ninth Judicial Court DENIED A ORDER SUBSTITUTING PARTY PLAINTIFF, AND THE COURT HAVING REVIEWED THE FILE AND BEING OTHERWISE DULY ADVISED IT IS THEREUPON, ORDERED AND ADJUDGED : THE PLAINTIFFS MOTION TO SUBSTITUTE PARTY PLAINTIFF IS HEREBY DENIED ( SEE ATTACHMENT ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act JPMCB Auto 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 an 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 my purpose.