23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The collection agency has no authority to furnish any accounts to any consumer reporting agencies without providing any and all disclosures required by law, and are in clear violation of 12 CFR 1006.34 ( c ) and 15 USC 1681-S 2 ( 7 ) ( A ). 
The collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ), but yet they placed a collection on my consumer credit report. I was not given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). The collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means.
Product: Debt collection

The debt collectors are calling back to back at least XXXX times a day
Product: Credit reporting, credit repair services, or other personal consumer reports

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 i have sent specific letters to XXXX XXXX XXXX  XXXX experian asking to them to verify all debts, they have wrong dates, wrong information to them as well. These items shall be removed expeditiously XXXX XXXXXXXX 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

I did not authorize these XXXX  and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Product: Money transfer, virtual currency, or money service

After agreeing to have my tax refund send to a Credit Karma account, I have been unable to link a bank account to withdraw the funds. CK forces users to use XXXX. I would prefer NOT to be forced into a situation where I am sharing financial data with a third party company just to access my funds. The option to manually input an account simply does not exist, which only makes sense if CK has a beneficial agreement to force consumers into a data harvesting scheme. 

Furthermore, while I would prefer not to use XXXX, I did attempt it. It simply reloads back onto the login screen of my bank. I attempted with two different banks. CK has an option to transfer funds via a linked debit card for a XXXX XXXX XXXX. It feels like this entire process has been to force that kind of transfer. 

Also, if you have recently opened an account and linked a card, you are not allowed to link a different card. At every possible step, CK makes getting your funds out of their institution a nearly impossible feat.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Base on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 3 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

List of FCRA CONSUMER RIGHTS VIOLATED 611. Procedure in case of disputed accuracy [ 15 U.S.C. 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 - 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 ; Violation 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information Account past due amount invalid, already paid and reporting well over amount in attempt to hurt credit. Transunion report has been modified with invalid data to punish and cohere consumer 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681 Violation 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate Collections account failed to identify itself properly, intentionally scribbled over name to make it so they can not be verified, signature is not legible for verification, letter does not provide all documents stated and letter is only a spreadsheet and does not validate debt When asked to Please provide the following : Agreement that grants the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor where I agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
I am also requesting Copy of original contract with my signature Copy of payment history Name and address of original creditor Proof of collection authorization The means of which this information was VERIFIED and VALIDATED No information was provided, instead company is requesting personal information they should already have if debt was validated correct. Debt has been false reported without proper verification.
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 Account Number : XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX and 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: Mortgage

Part of my home was damaged by a tornado XXXX XXXX, 2015. My insurance company was quick to give me a fair settlement. The money went to PNC Bank for them to hold as the mortgage company. 
PNC Mortgage makes me beg for week after week to be reimbursed for repairs I have sent them cancelled checks for. 

PNC Mortgage refuses to reimburse me on a timely manner, I have to pay for everything out of my pocket, then wait for them to pay me, ,which has caused great financial harm to me, along with the stress of dealing with them.
Product: Debt collection

XXXX XXXX is trying to claim money from an account that has been discharged they keep harassing me with phone calls they have harassed me and demanded payment I've never done business with them and I never gave them permission to handle any of my affairs.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention several issues I have encountered with the credit bureau. These concerns include incorrect account listings, inaccurate credit reports, inconsistent billing, and accounts that are not mine. 

Resolving these matters is crucial for my financial security, and I would greatly appreciate your assistance in addressing them.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Failure To Pay Was Incorrectly Placed On A Credit Card ( XXXX   XXXX ) Account On My Experian Credit Report. In Addition XXXX XXXX Repeatedly Places Varying Collection Dates On This Account In Order To Hurt My Credit Score. No Late Payments Or Failure To Pay Designations Can Be Placed On An Account After It Is Sold To Collections, And XXXX  XXXX Continually Harasses Me By Fraudulently Placing Incorrect Information On My Account. This Company Is Harassing Me By Attempting To Repeatedly Damage My Credit By Fraudulently Reporting False Information. XXXX XXXX Continually Places New, False Information On My Account Every Few Weeks In Regards To A Closed And Sold Account And Does Not Allow Me To Dispute Information
Product: Debt collection

Today, I received this response from the company : " STATUS Company responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response We dont up hold divorce decrees, no insurance information has been provided to my client. We have sent verification of debt as requested. Consumer called XXXX XXXX and was to call back and give the insurance info and as of today they have yet to get insurance information ''. 

Not only was my son 's insurance information provided to them but when I called XXXX XXXX, they were rude and told me that they could no longer charge TRICARE because they were no longer within the time that they had where they could charge TRICARE for the bill and were NOT interested in my son 's insurance information and did NOT ask me for my son 's insurance information so there is no way that I would have promised them that information because if they actually had asked for that information I would have willingly given it to them AGAIN because that is far better than having to write a complaint against them or having my credit report reflecting around a {$1500.00} debt that I do not owe to them. XXXX XXXX also insisted that their personnel are basically NOT required to take insurance information and that it was the responsibility of the patient to provide the information to the company. I asked if that was their policy and if they could send that to me in writing and they refused to send me anything in writing that stated it was not the responsibility of their personnel to not obtain a patient 's insurance information- of which I believed was absolutely ridiculous. The company insists that I did not give them my son 's insurance information but has yet to explain how they have mine and my son 's personal information. It's not like I would just give them my personal information and that of my son and not give them my son 's insurance information anymore than I would refuse to give them my son 's insurance information to ensure that a debt is removed from my credit report and responsibility which would have been far easier then filing a complaint with the CFPB with the disputed bill still appearing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see XXXX hard credit inquiries on my XXXX report that I absolutely did not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB - XXXX XXXX
Product: Student loan

I have contacted XXXX and XXXX and XXXX. XXXX corrected the error. XXXX transferred my loans of {$42000.00} to XXXX in XXXX of 2022 but XXXX is XXXX showing the account as open. I have asked XXXX and the credit bureaus to fix this issue. 

You can see the report on XXXX 's website : XXXX XXXX XXXX
Product: Debt collection

Contacted by company on several occasions. Ive responded to every letter with specifics regarding the Identity theft, fraud, and police reporting. Now they threaten to sue. We will personally visit their office in XXXX and talk to XXXX himself if need be.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 cash had saying sent a payment of XXXX to cash app that i never received. called back they advised me contact you due to it being a third party. i'm so confused cause there are no funds on my cash app card nor sent to my bank account.
Product: Student loan

When I attended this school, I was placed on a academic probation due to me failing classes. After I was placed on the probation they allowed me to choose my schedule and also choose my room and move in. I went and checked with the XXXX XXXX and they told me everything was fine and I should be receiving a refund. When it became closer to the time to receive a refund I received a email stating that I have to move out of my dorm and Im being kicked off campus. Further more once a week passed by my schedule dropped on its own and no one could give me an explanation. About a month later a couple of the workers inside of financial aid were fired due to stealing money from the school. So after that I had no one to talk to about the situation which is the reason why my life is in shambles now. Everything I have worked for in college all went to waste due to lack of service from XXXX XXXX.
Product: Debt collection

I am being charged {$260.00} from College of XXXX Nevada. This is reported on my credit and I've tried to resolve this matter in every way possible. I enrolled for 1 class, lower division and I was being over-charged for the non-resident tuition. I do live in Nevada however, I didn't realize that I needed to apply for the resident tuition. With that being said, I'm still being over charged, I had to drop the class because the tuition that I need to pay way extremely high. Once I dropped the class received a 50 % refund on tuition. After I dropped the class and all balances were updated, it showed that I had balance to pay of {$360.00}, then minus a pell grant of {$100.00} made the remanding balance of {$260.00}. The issue that I am is that from the beginning I was being over charged. I have filed an appeal with the College twice and never received a response back, I faxed and emailed it. I have email back in forth with the appeals & registrar office and have not been successful in resolving the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX,XXXX XXXX,XXXX,XXXX XXXX XXXX,XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IS REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT ON MY CREDIT ERC IS A FRAUDULENT ACCOUNT ON MY CREDIT I didnt open any of these accounts and I am a victim of ID Theft Please see the attached FTC report and remove these accounts from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint as a follow up to the previous Complaint I submitted requesting the removal of the fraudulent accounts and information off of my Credit File in accordance with the Fair Crediet Reporting Act section 605b. I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. I am requesting that you remove the following items off of my Credit file as soon as possible ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$1500.00} XXXX XX/XX/2022. These Items were the results of my identity being stolen. If you believe that these items belong to me, I required you to send me copies of proof of ownership or any documents you found during your investigation to support such claims.
Product: Credit card or prepaid card

I have a Bank of America Platinum Plus credit card. 

I set up automatic payments to pay the " amount due '' and delivery by " 1 day before due date '' For XXXX and XXXX of 2019 - the correct amount was paid. 

For the XX/XX/2019 payment - the amount due was {$64.00} but only the minimum payment amount was paid. This is resulting in interest charges that should not have been accrued. 

For XX/XX/2019 - the pending payment amount is again the minimum payment and not the full amount. 

Please make sure this is not a widespread occurrence for other customers
Product: Credit card

I applied for a business credit card on the promotional terms that if I spent XXXX XXXX within 90-days of account opening I would be credited with XXXX points good for a {$750.00} cash redemption. When I went to redeem the points I was given only two options, one was to receive travel credit for the highest point value equaling the {$750.00} or a cash redemption which was substantially less. When I went to redeem my points, I was only given the two options, but there was a third option available which was to transfer the points to my personal credit card with BofA to receive the full value of the points.
Product: Mortgage

My husband and I purchased a new mortgage from XXXX XXXX on XX/XX/2019. The mortgage was transferred to Round Point Servicing Mortgage company in XX/XX/2019. We have made two payments : XX/XX/XXXX and XX/XX/XXXX and are about to make the third payment in XX/XX/XXXX. We have  contacted them several times because they are not reporting the information to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I'm writing out of desperation. 

I'm a XXXX XXXX  XXXX customer, and have been using their credit card to pay off a balance transfer. I had set up automatic payment so that {$800.00} gets deducted every month. However, for whatever reason, this feature was turned off without my knowledge, and as a result my credit card balance went unpaid for one payment cycle. I didn't sign-in to my bank account because I assumed it was on auto pilot. 

It's weird thaXXXX XXXX XXXX XXXXXXXX didn't notify immediately but instead waited XXXX so that they can charge me late fees. It wasn't until a week ago that I received a notice from them about the outstanding balance. I immediately called XXXX and they re-set up automatic billing ( which still doesn't show up when I log into my online account ). However, the damage has been done as my credit score went from a 727 to a 620. If they had notified me immediately after the first payment was missed, this would never have happened. It is irresponsible of them to wait until late fees have been added and the late payment has been reported to the credit bureau to contact me, especially given that I have never in my 20 years of being a banking customer missed a payment. 

I've always had excellent credit, have NEVER missed a payment in my life, so this is truly a major blow for my financial situation as I'm about to look for an apartment in the XXXX area but with a 620 score, I won't qualify for housing and am looking at the possibility of being homeless. I'm trying to rectify this situation and would appreciate your help. XXXX XXXX XXXX needs to be held accountable for what they did. 

I would like your help in removing the late payment from my credit report. 

From what I can see, they purposefully disabled my auto-pay, did not notify me that the payment didn't go through so that they can charge me late fees. In my 20 years of being a bank customer with many different banks including XXXX, XXXX, XXXX, etc. I have never encountered anything like this. However, I suspect XXXX is doing this to a lot of customers to generate additional revenue in fees. They need to be investigated and stopped. This is how regular, financially responsible people like myself can go from financially stable to destitute and homeless. 

Thank you so much for taking the time to read this letter. I hope you can help me get this situation sorted out and hold XXXX XXXX XXXXXXXX accountable. 

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

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate items are constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX  XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX EMPLOYER : XXXXXXXX XXXX Date Updated : XX/XX/2020
Product: Vehicle loan or lease

I've deposited {$1000.00} for a new vehicle purchase at XXXX XXXX XXXX in XXXX, VA as the dealership doesn't have in stock vehicles for the model of the minivan that I was looking to buy. I've presented a {$1000.00} cash allowance bonus credit email offer received from Chrysler corporation, which did not mentioned in any of the terms and conditions that the cash allowance bonus credit needs to be used only for a XXXX model vehicle. The same was not validated by the sales person/manager when my vehicle order was confirmed in XX/XX/XXXX. At the time of my minivan delivery in XX/XX/XXXX, the dealership denied the cash allowance bonus credit as their internal system showed that it's valid only for XXXX model, which I was not informed earlier. The sales person told me they would contact Chrysler corporation and make sure the check is sent from Chrysler and they've charge me {$1000.00} more than I was told. I've emailed since then to the XXXX XXXX XXXX who have ignored the same. I've stopped by the dealership and asked the same sales person and they've now changed their words and told they can not help. Chrysler corporation customer service has also said they can't accept the credit voucher as it's for XXXX model even though no where is that mentioned in the offer. There were no XXXX model vehicles in XX/XX/XXXX and I had to order a XXXX model per dealership suggestion. 
My numerous attempts to get the offer accepted from both Chrysler corporation and XXXX XXXX XXXX have gone in vain.