23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I requested Experian and XXXX to properly conduct an investigation on a XXXX XXXX XXXX account reporting on my credit. Experian and XXXX are claiming that this account is Verified. This account has not been properly " verified '' without sending me a copy of my HIPAA authorization form. 

This account in question is a MEDICAL ACCOUNT, that is protected under the Health Insurance Portability and Accountability Act of 1996 Section 1173. By improperly verifying this account, Experian and XXXX are compliant in violating my rights and will be held accountable if legal action does persist. 

ADDITIONALLY According to Cushman v Transunion 1997, Experian and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). 

XXXX XXXX XXXX has been reporting inconsistent balances across bureaus : XXXX Removed for inaccuracy EXPERIAN- XXXX {$6000.00} XXXX XXXX- {$5900.00}
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES : purchasers of XXXX 

Original creditor : XXXX XXXX XXXX. No official paper trail provided of account ownership by Portfolio, only the typical " The original amount of this account was {$590.00} '' without any reference to what date that was, what was purchased, or last date of payment activity. Only item provided was a number : pay me. Lack of proof of account ownership, and XXXX XXXX record keeping as to the last date of activity. Portfolio claims account was opened XX/XX/2017. Where is the XXXX XXXX statement for that time period?
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX as I was on a business trip in XXXX, XXXX, my phone was comprised and two {$150000.00} XXXX  money transfers were transferred from my account to a XXXX XXXX at the following number XXXX XXXX. Per the news, she is known for frauds similar to this in XXXX. Please review as I did not authorize these charges which are clearly out of line.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has not done a proper investigation according to the standards of the FCRA. 

I have been disputing this account and Transunion keeps saying they updated the information but the account still remains inaccurate and incomplete. In accordance with the Fair Credit Reporting Act Everything has to be 100 % Accurate on my consumer report. 

Transunion says they have updated the account however there are still inaccurate information reporting. 

However, XXXX and XXXX already removed this account from my consumer profile due to inaccuracy reporting. 

How is it possible the account is accurate and there was a proper investigation if the reported information does not meet Metro 2 Compliance standards. 


Transunion is in violation of USC 1681i ( 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 ; Transunion is in violation of USC 1681 s-2 ( 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. 

USPS Certified Mail Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX This is ground for removal from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mines these accounts are due to identity theft and has not only affected my credit file but mentally drained me. I've also been victim of the XXXX  data breach. I'm demanding that the following accounts be removed from my credit file immediately. Please remove the following. 

1 ) XXXX XXXX 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX {$550.00}
Product: Vehicle loan or lease

I entered a consumer credit transaction with Bridgecrest/XXXX on XX/XX/2017 which involved a finance charge along with a down payment of { {$1600.00} } cash. Pursuant to 15 U.S. Code 1605 ( a ) finance is charge is the sum of all charges in a consumer credit transaction and does not include cash. Bridgecrest/XXXX  is in violation of the 15 USC 1605 Truth In Lending Act. Bridgecrest/XXXX  didn't offer any insurance, they failed to disclose to me my right of recession, and failed to provide me with the appropriate forms to exercise my right which is a violation of 15 U.S. Code 1635. As a federally protected consumer under Title 15 Chapter 41, my rights have been violated and Bridgecrest/XXXX  is XXXX  liable, pursuant to 15 U.S. Code 1611, and also civilly liable, pursuant to 15 U.S. Code 1640 and 15 U.S. Code 1692K. Please find attached proof via an Affidavit of Truth and Exhibits which have already been sent to the company and in return I only received back a generic customer service response which I will also attach. I appreciate your help in solving this matter. Thank you.
Product: Debt collection

Portfolio recovery calls every other day saying I owe a debt. They threaten to sue and they call my siblings asking about me.
Product: Credit reporting

To Whom It May Concern : THIS IS a request to have invalid address 's and different variations pf my name deleted from my consumer file. I request Early Warning to remove inaccurate information that they and or the Banks that they service has put on my consumer report. These following addresses I am here and now disputing as addresses that I AM NOT associated with and I DO NOT LIVE AT NOR HAVE I EVER LIVED XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( WHICH IS MY EX-HUSBAND 'S RESIDENCE NOT MINE ) XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( THIS IS MY PARENT 'S HOME NOT MINE PLEASE DELETE ) 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 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 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AGAIN ASK YOU TO DELETE TO DRIVERS LICENSE INFORMATION ON MY CONSUMER REPORT : DRIVERS LICENSE NUMBER : XXXXSTATE OF ISSUANCE : XXXXFINANCIAL INSTITUTIONS : XXXX XXXX XXXX XXXXI have also attached the police Report that I have filed here is XXXX, XXXX I have filed for ID Theft protection because there is no way I can leave in XXXX different states a one time and then XXXX different cities and all these different address. Please remove this address 's and the financial institutions that are connected to them because these are not mine it is fraud. 


Thank you, XXXX XXXX
Product: Credit card

CC Issuer : JPMorgan Chase Bank. 
On XX/XX/XXXX l created my first pay over time plan for a transaction amount of XXXX based on an offer that said no plan fees on your first plan if created before XX/XX/XXXX. The terms of the offer was the transaction amount would be paid over 12 months without interest and with a monthly fee. Since this was my first plan No plan fees should have been applied. I had confirmed with a CSR before creating one, and took a screenshot of the offer displayed on my account home. However a plan fee of {$40.00} were charged on my XXXX statement. I contacted customer care and was told after 10 days that the offer did not apply to my account. This is what I call bait and switch. The offer was displayed on my account home page where it displays consolidated accounts and when you chose a specific account, account related offers are displayed. Now that they are not honoring the offer, I paid the remaining balance fully, to avoid future monthly fees. Attached the screenshot of the offer.
Product: Student loan

I have been in dispute with Sallie Mae for many years now and they are pretty much fraudsters and criminals. I had sent them proof and letters over the past XXXX or 7 years showing where my ex-wife forged my co-sign. I had fraud reports, and I also asked them if I could testify under oath or give a written statement the agent laughed and said no, they do not provide a way to dispute the co-sign once their internal fraud department says it was not fraud. Yet Sallie Mae provides no proof on the co-sign. Also, there is no transparency in this process and XXXX communication from them. The only reason I am currently paying it is they forced me to under threat of wage garnishment, asset seizure etc. From the day I found out about my co-sign I have said I didn't not sign anything, and this is not my loan. I have taken my ex-wife to court where she admitted that she forged it. 

Sallie Mae has caused me so much harm in my life and continue to do so with no end in sight. Sallie Mae knows I can't do anything to them without help from someone. They have also changed the interest rates ( of course higher ) and again there is nothing I can do. I am just hoping if i keep trying someone might take to time to listen and actually care what has/is happen to me unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not access my report through TransUnion. I am having problems with receiving my credit score. I believe its due to misreporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo worked out a payment arrangement when they added deferred interest on a charge account for a furniture store. They agreed to waive interest and allowed us to pay the XX/XX/XXXX payment by XX/XX/XXXX. They assured there wouldnt be any late payment reported on credit report. However they did report report after the account was paid in full the first week of XX/XX/XXXX prior to the date they set. My wife and I called them several times with assurances they would take care of it removed from all three credit bureaus. Each time we received a letter stating they must report to credit bureaus due to being compliant. No one would get us in contact with the department that will remove it. They only would say they would have it removed by the department. We have submitted disputes with all three bureaus with no luck several times. I know its our word against theirs but I assure you the truth is they are in the wrong. We are trying to get a house for our family and when this first hit my credit report it dropped me just shy of 100 points. Im told that once the 30 day late is removed it will jump my score 60-80 points and will allow for the lowest rate possible. Im pleading for you to step in and have this 30 day late removed from my report on all 3 bureaus. Thank you.
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or 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: Debt collection

On XX/XX/ 2019, XXXX, agent of XXXX XXXX, XXXX, contacted my tenant via telephone and discussed a debt I allegedly owe American Express, sharing non-public person information about this matter with the third party, including balance they assert I owe. I have since communicated with XXXX XXXX to discuss the matter and requested that they cease calling about this matter and rectify the breach of privacy. 

I filed a separate complaint earlier today against XXXX XXXX, but subsequently learned that the company that actually made the calls and breached my right of privacy is XXXX XXXX. As such, the complaint against XXXX may be withdrawn.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Late Payment Records Due to COVID-19 and Unforeseen Hardships Dear Chase Bank Customer Service , I hope this message finds you well. I am writing to discuss my credit card accounts [ Account Numbers : XXXX and XXXX ], which I have held with Chase Bank for an extended period. Throughout our relationship, I have consistently managed my accounts responsibly and made timely payments. 

Unfortunately, unforeseen circumstances led to two instances of late payments : 1. Automobile Accident : I was struck by a drunk driver in XXXX of XXXX, resulting in the total loss of my vehicle. This incident caused significant disruptions, including missed work and exceeding financial strain.

2. COVID-19 Pandemic : The global health crisis led to unexpected unemployment, further impacting my financial stability in XXXX. 

Despite these challenges, I took prompt action to settle both accounts in full and subsequently closed them during the XXXX period. 

I am committed to maintaining a positive relationship with Chase Bank and have always strived to uphold my financial obligations. In light of the exceptional circumstances and my otherwise positive payment history, I kindly request the removal of the late payment records associated with these accounts from my credit reports. 

I can provide documentation of the automobile accident and any other necessary information to support my request. 

I appreciate your understanding and consideration. Please let me know if there are any forms or additional information required to process this request. I look forward to your favorable response. 

Sincerely, XXXX XXXX
Product: Debt collection

On XXXX XXXX, 2015, I received an original notice from XXXX XXXX XXXX ( XXXX ) that it was seeking to collect a debt on behalf of HARVEST CREDIT MANAGEMENT ( HARVEST ). XXXX alleges the original creditor was XXXX XXXX BANK ( XXXX ). The amount sought by XXXX was {$13000.00}, and the XXXX account number was XXXX ( see attached ). 

In response I sent a certified letter to XXXX advising that I do not recall owing such a debt, there was no validation of debt received, furthermore, any statute of limitations, if owed, would have expired ( see attachment for further explanation ). 

XXXX did respond advising that it would not seek further recovery and returned the matter to HARVEST. I thought that was the end of an alleged debt where no supporting information was received, or where it had been proven that the statute of limitations had not expired. 

Now, not even a month later, I received another demand for payment, of the same alleged debt, from XXXX ( XXXX ). XXXX alleges its client is HARVEST, and it is seeking {$13000.00} under account XXXX. It is also alleged that XXXX is the original creditor. I allege I do not owe a debt to XXXX, and that HARVEST and XXXX have no right to seek collection from me. If at any point I did have a XXXX credit card it would have been approximately 10 years ago, while living in California, which means any statute of limitations is long expired. I have not had a credit card, with any sort of large spending limit in years. Furthermore, XXXX chose not to send any sort of information backing its position including when the alleged debt was incurred with XXXX or HARVEST, there was no validation of debt. 

It appears HARVEST, XXXX, and XXXX are basically conspiring to collect an alleged old debt, that I believe is not owed. It appears HARVEST and XXXX are " Zombie Debt Collectors ''. As indicated above, this can be confirmed by the fact another company, XXXX, just tried to collect the same just months ago. Finally, I believe Dynamic is attempting to harass me as I had reported XXXX to the CFPB previously.
Product: Debt collection

I disputed this account i saw on my credit report. The credit bureaus said it came back accurate and that this company certified this collection debt was in fact correct with out providing me the proof requested. At this point im being taken advantage of because i do not know who these people are, i never dealt with them and know they are demanding i pay for something i have no knowledge of.
Product: Debt collection

Repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone They call at all hours, including early morning and late at night. This debt is over XXXX years old and no longer reported to consumer credit. I also received a notice from the debt collection company saying they would continue to try to collect the debt even though they could not sue me. The original debt was {$500.00}. With all of the fees it is now up to {$1600.00}. I am currently on unemployment, live in a rural area and am unable to pay this debt. The debt was incurred when my husband was passing of XXXX XXXX and it was used to help with expenses. In 2008 I lost my teaching position due to cut backs and have had a difficult time financially since.
Product: Checking or savings account

Im a XXXX worker and I had a direct deposit scheduled for XX/XX/year>. The morning of the direct deposit my accounts were closed. I called stating a reason why and the chase representative just told I can no longer access my account because its closed. I have no way of accessing my funds and I feel left stranded with no way to pay immediate bills. The only resolution they have is to mail a check to me after they close my account in XXXX business days. Im left waiting until I figure out if my direct deposit has been posted or not. If it goes through Im at risk of not having access to those funds aswell. ( XXXX )
Product: Credit card or prepaid card

I have tried calling XXXX XXXX XXXX Card customer service multiple times to tell them I have not received a statement this month and to ask about other issues. No one answers the phone, the automated system goes nowhere. I am on hold for hours after which it hangs up on me. I have called at different times of day and night, same issue, on hold. No one answers. I expect to be able to talk to a human when I have issues about my card.This is not right. Customer service is non existent. 
I called the customer service number and the technical assistance number, same result, on hold, no answer from a human. 
Also, last month when I made a payment the agent wrote the wrong account number on my payment and they classified my account as past due but did not notify me for almost a month, when I got a call from collections dept. about " past due '' payment. I ALWAYS pay on time, have not been late in 26 years.I asked for a letter saying it was not my fault and only got a form letter which stated payment amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting that I am ( 30 - 60 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see pages attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to proceed with investigating this complaint. ) Also, XXXX is reporting this account in duplicate. These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates, as well as a duplicate account, is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my Mortgage Lender drew a Credit Report on my application for a Home Mortgage ( Att. p. 1-2 ). Contained in that report were 9 account that I Disputed with Experian ( XP ) and dated XX/XX/XXXX ( p. 3 ). I then received the Dispute Results Report # XXXX for XX/XX/XXXX from XP Stating : XXXX XXXX PLEASE CONTACT CREDIT GRANTER AT - XXXX - DISPUTED ITEM NOT LISTED ON CREDIT REPORT. ( p. 4 ) On reading this I sent a second letter to XP on XX/XX/XXXX where I demonstrated that in fact this account was reporting on XX/XX/XXXX ( p. 5 ). Where I wrote : Experians statement of it was either not appearing in your credit file or it already reflected the requested status is clearly False. Which clearly demonstrates that no Reinvestigation was completed within the 30 days provided for in 15 U.S. Code 1681i. Therefore, I Demand that both accounts listed here be permanently Deleted from your files with prejudice. With a copy of the original Mortgage Credit Report demonstrating that XP was in fact reporting the account on XX/XX/XXXX ( p. 6 ). 

In response XP then sent me yet another : Dispute Results Report # XXXX for XX/XX/XXXX. Where on pages 3 & 4 XP now clearly demonstrates XXXX Partial Acct # XXXX Before dispute - After dispute. Indicating that in fact the account does exist in their file. Also demonstrating that they are in clear violation of, 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information, by failing to Investigate the account prior to Dispute Results Report # XXXX for XX/XX/XXXX. 
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in aconsumersfileat aconsumer reporting agencyis disputed by theconsumerand theconsumernotifies the agency directly, or indirectly through areseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate andrecordthe current status of the disputed information, or delete the item from thefilein accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from theconsumerorreseller.

Which is also demonstrated by : CFPB Consumer Reporting Examination Procedures Larger Participants 4. Systems and Procedures Review. ( p. 7 ) Which grants the CFPB both the Authority and Responsibility for the Examination, Review and Regulation of XPs failure to follow, 15 U.S. Code 1681i - Procedure in case of disputed accuracy.