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

I am simply asking you who gave you permission to report on my credit profile. Also, who gave you permission to furnish a debt without me knowing to a credit reporting agency? A credit reporting agency is a third party they do not work for you. You can simply remove the account from my credit report for you are violating my rights to privacy according to the Gramm Leech Bliley Act. Also, since you did furnish this account without my consent and reported on it every month without me knowing that is identity theft which is a felony. According to the law, it states in 18 USC 1028A ( Aggravated Identity Theft ) that whoever knowingly possess, transfer, or uses another person 's identification without their knowledge shall be sentenced to a term of imprisonment of 2 years. I am pretty sure you do not want a huge lawsuit on your hand for furnishing this debt without the two most known forms that all companies must have for a consumer to consent to XXXX or XXXX form Authorization to Disclose Information. Those are the only two forms that must be sent to me to even furnish this debt with my permission. You never offered those forms to me. Also, since you are still reporting the information without me knowing you are literally damaging my consumer report without me knowing. My consumer report took a hit because you do not care, and this caused me to miss the job that I initially had high hopes for. 

You are in violation of 15 USC 1692c ( b ) Which states that without prior consent to a consumer, you can not report to a consumer reporting agency. You have been doing that all along which is a felony, and that also results in identity theft. I did not give you consent, and you are still doing what you want. I demand you to remove this account from my consumer report immediately and if not then pursuant to 15 USC 1681n ( Civil liability for Willful non-compliance ) you will pay me { {$1000.00} } per damages to my consumer profile and { {$1000.00} } per violation. So, tell me who gave you the consent to report on my consumer report because it wasn't me?
Product: Debt collection

While checking my current claims listing I noticed a listing from Portfolio Reccovery Associates in the amount of XXXX. An unveriffied debt they purchased from XXXX XXXX XXXX. This debt does not belong to me, it belongs to a family member. 

XXXX of this debt has been paid through my XXXX  XXXX case with a remaining balance owed of XXXX. They added themselves to my case. 

I was never notified of this debt by Portfolio or given a chance to dispute the debt directly to them. No mail or phone communication was attempted by Portfolio to give me a chance to dispute this unverified account.
Product: Debt collection

ACEI has falsely reported debt that I do not owe to the three major CRAs as recently as late XXXX, although all of this debt was paid to the original creditor on or before XX/XX/XXXX and the original creditor notified ACEI. I am including supporting documentation from the original creditor showing that the debt that ACEI claims I owe was paid. I have called ACEI several times to ask for resolution of this issue and also to get knowledge of an anticipated timeframe for removing this false information from my credit reports with all the major CRAs. ACEI has been completely unwilling to provide any information on the following : 1. Providing accurate updated information on the resolution of the debt 2. Report the debt as resolved to the CRAs 3. Provide me with accurate validation of the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with a Fair credit reporting act [ CAPIO ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX  ACCOUNT # XXXX has violated my rights. 
[ XXXX XXXX ACCOUNT # XXXX has violated my rights. 
Under 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 has violated my rights. 

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
Product: Credit card or prepaid card

I pay my Huntington credit card through XXXX XXXX XXXX XXXX every month. The payments have been submitted to the same address Huntington provided us for the past five years without issue until XX/XX/XXXX. My payments are auto withdrawal from my account via XXXX XXXX each month and they sent the XXXX and XXXX payments as normal however Huntington never credited my credit card account. I initially called XXXX XXXX to inquire about this in XXXX and left a message for someone to call me. I was not able to talk to them the day they called back and due to a family situation I did not get back in contact with them until XXXX. I received another late notice from Huntington and called XXXX XXXX. XX/XX/XXXX we finally were able to speak to XXXX with Huntington and explained the situation, 2 case numbers were opened for each missing payment. XXXX stated that my payments were going to wrong address and provided corrected address. Asked why after 5 years of sending to address provided initially and no issues that all of a sudden my last two payments werent posted even though they cashed the checks ; she couldnt explain. XXXX XXXX sent Huntington copies of the cashed checks and was told it would be resolved in a few days. On XX/XX/XXXX nothing had been resolved yet and on the XXXX called again ; they said they were still reviewing the informationwe provided the proof of the received checks and them being cashed but they didnt post payment to my account. They turned my account into collections which dropped my credit scores by over XXXX points. On XX/XX/XXXX, we called again because I received another late payment notice. We spoke to XXXX and she said both case numbers are closed and payments posted as of XX/XX/XXXX and XX/XX/XXXX ; only one payment shows posted and not per dates they stated. She stated that my account was current and I need to contact collections to clear things up. I explained they need to do this because this was their error not mine. As of XX/XX/XXXX, second payment they claimed was resolved is still not posted and now Ive received notifications from other creditors that they have decreased my credit limits because of this situation and the whole collection thing. Their error is ruining my credit with other creditors and not by any error on my part and Huntington said its not their responsibility to fix it.
Product: Credit card or prepaid card

The American Express platinum credit card charges and annual fee. You receive certain benefits as part of the fee. One of them is access to the XXXX XXXX at airports. Until XXXX, they never charged a fee for a guest. Now they do. However, there was no mention of a new fee when they charged me in XXXX for my annual fee. This is misleading, deceitful and had I known, I would not have tripped for this year. 
They will not refund my fees nor will they answer my discussions via chat, despite listing it as a customer contact channel.
Product: Mortgage

My wife has been very ill after getting the covid vaccine. We fell behind in mortgage and trying to catch up. We filed for help in loan modification back in XXXX we are still waiting to get any kind of help. Or clear response on what kind of modification we can have.
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 

XXXX  XXXX XXXX Balance : {$3900.00}
Product: Debt collection

I am filing this complaint because I have received constant automated text messages from a debt collection company called True Accord. These constant messages are inconvenient to me and is embarrassing. I have suffered emotional distress due to the inconvenience and inconsideration of the incoming text messages from True Accord debt collection company. They have violated my rights under the Fair Debt Collection Practices Act ( " FDCPA '' ) through harassment 15 USC 1692d ( 5 ) - ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number, my rights under the FDCPA 15 USC 1692c ( a ) ( 1 ) - ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location, and the Telephone Consumer Protection Act ( " TCPA '' ) because they do not have written consent to autonomously text me via robo text. I did not subscribe to such a thing because I have never heard of this company.
Product: Debt collection

XXXX XXXX  XXXX are trying to collect on an invalid debt from XXXX XXXX. XXXX XXXX was paid in Full. I have submitted a separate complaint about XXXX XXXX and the incorrect balance due.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX Texas XXXX Email : XXXX Phone : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website.

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : [ XXXX XXXX XXXX XXXX XXXX XXXX, Texas ] [ XXXX XXXX XXXX XXXX XXXX XXXX Texas ] There should only be one address in my report, which is : XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling.

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX ] Additionally, I request the removal of the incorrect employers listed below : [ XXXX XXXX ] [ XXXX ] The only job I need listed is : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ] Therefore, I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : Photo ID Proof of current address
Product: Credit reporting or other personal consumer reports

XX/XX/year> - 1st notice of inaccuracies including FCRA violations via Certified return receipt number : XXXX. And also filed complaint with CFPB. XX/XX/year>, well beyond the 30-day period mandated by the Fair Credit Reporting Act for resolving such disputes, a notarized affidavit of truth was sent to Experian via certified mail receipt number : XXXX giving Experian 5 days to comply. Five days has passed. I am prepared to initiate legal proceedings against all agencies involved for damages resulting from these approximate 180 FCRA violations and inaccuracies.
Product: Mortgage

This is an ardent plea for Consumer Protection Financial Bureau to assist us in this dishonest company.. We are seek and tired to dealing with this issue month after month this scrupulous company yet again. 
As usual this fraudulent and dishonest company has failed to proper apply our invoice payments for XX/XX/XXXX and XX/XX/XXXX thereby creating an over stated invoice amount of {$3000.00} for XX/XX/XXXX. Let the attached documents confirm that invoices for XX/XX/XXXX and XX/XX/XXXX were timely and completely paid which should not have resulted in late fees and additional interest charges. 

Let the attached bank records show that Exhibit 1 is for XX/XX/XXXX payment made on XX/XX/2019 for $ XXXXvia Chase Bank  XXXX and on XX/XX/2019 for {$600.00} via XXXX XXXX XXXX TOTALLING {$1800.00}. Exhibit 2 shows XX/XX/XXXX Payment was made on XX/XX/2019 for {$1200.00} via XXXX XXXX and on XX/XX/2019 for {$600.00} via XXXX XXXX XXXX XXXX TOTALLING - {$1800.00}. This information was communicated to your office on my letter dated XX/XX/XXXX and you still failed to properly apply the payments. 

In light of the above information and attached bank statements this confirms complete proof of payment for XX/XX/XXXX and XX/XX/XXXX invoices. Mr. Cooper needs to update their records and remove all illegal late fees and illegal additional interest fees immediately. The account needs to be adjusted instantly to show that payments are current and no fees are owed on this account. 
In the meantime, please be informed that XX/XX/XXXX payments will be made on XX/XX/2019. We await your prompt attention to this vexing matter so that it could be resolved once and for all..
Product: Credit reporting or other personal consumer reports

I recently disputed multiple collections on my credit with the collection company and XXXX/TransUnion for validation of debt. I asked for proof of signed contract between company and I and wasnt provided with one. I sent a request via mail to XXXX/TransUnion requesting information on how accounts were verified. I have collections account showing as open with a past due balance. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the fol- lowing findings : ( 1 ) The banking system is dependent upon fair and accurate credit report- ing. I am requesting that these accounts be deleted from my credit immediately.
Product: Checking or savings account

On XX/XX/2023, I received two checks from XXXX XXXX in the amount of {$5000.00} and {$500.00} which I deposited into my checking account. The rent was to cover 2 months. On XX/XX/2023 the bank send me a " Notice of Delayed Funds Availability '' for {$5500.00}. The reason was they stated that they believe the funds would not be received by me, as the check information was inconsistent. On XXXX XXXX XXXX I received another notice that the information was inconsistent, and they would hold the funds 90 BUSINESS DAYS until XXXX XXXX XXXX  I reached out to several branches in person and over the phone, and was told they could not speak to me. In the meantime, I reached out to potential XXXX  and provided them copy of the letters. They discussed with their bank, and their bank Said Citizens did cash the checks and were in possession of the funds. Yesterday, XX/XX/XXXX, the XXXX came to the house. We were forced to cancel the XXXX as I was not in possession of the funds. This will result in me loosing {$2500.00} in XXXX income. At that time, we reached out to their Bank, XXXX XXXX, and was advised by their branch manager, that to date ( 40 DAYS ) that the Branch nor back office of bank has ever had any communications via phone or in writing from Citizens trying to verify the authenticity of the check. My complaint is, is it legal for a bank to hijack funds and sit on it for 90 Business Days? Aren't they under some type of obligation or regulation to resolve the issue right away? Why did they cash the check if they questioned it? Why haven't they reached out to XXXX XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX OF XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXXXX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I have been fighting with BestBuy since at least XX/XX/2021. My card expired, I never received the new card. The new card was apparently accessed by someone else, has been flagged by BestBuy as fraudulent and I have a letter of recognition of this. Yet I am continuously getting calls and letters from various debt collectors over this account that BestBuy itself recognized was done fraudulently.
Product: Consumer Loan

I financed a care XX/XX/XXXX for a little over XXXX. It is XX/XX/XXXX and the amount owed on my car is XXXX. I also put down XXXX when I purchased my car. I made payments on time for a year like I was told and that Santander Consumer would report every 27 days and I would then be able to get out of my car which held a high interest rate within a year. That did not happen. I dont understand whats going on. Although I made payments on time for over a year I am not stuck in my car paying money towards a loan that is ultimately not decreasing.
Product: Checking or savings account

Description of Complaint : Impacting Credit Score ( Caused by M & T Bank ) XXXX XXXX reported I had a late payment in XX/XX/2022 due to an error by M & T Bank. 

My online payment did not process due to my bank after People 's United Bank was bought out by M & T Bank and a processing error occurred from M & T Bank 's end. 

XXXXXXXX XXXX  then reported a late in XXXX XXXX XXXX to Credit Agencies. 

The processing error was completely outrageous because M & T Bank said in writing they would honor the old account number from People 's United Bank and did not honor this. They have had tons of trouble with their online banking and this bank under current lawsuits in the state of Massachusetts. 

This bank should be held accountable for these types of errors.
Product: Debt collection

ACCT # XXXX This item was paid through their 3rd party collector XXXX. The confirmation number for this payment/settlement is XXXX. 

They have yet to cease collection efforts and still list these tradelines on XXXX, XXXX  and XXXX. This is despite statements from them at the time of payment that collections would cease and that the tradelines would be removed.
Product: Credit card

Please response to these Laws and Regulations since American Express follow 's all laws 15 USC 1691 ( c ) 15 USC 1692 ( k ) 15 USC 1642, 15 USC 1681 ( m ), 12 CFR 1002 I the consumer made an application in good faith but credit was not issued. 15 USC 1602 ( i ) mY SOCIAL SECURITY NUMBER WHICH ACCORDING TO 15 USC 1602 ( i ) is defined as a credit card was used and i received no benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) 15 USC 1681 ( n ) 15 USC 1681 ( O ). You responded with the same answer. American Express is clearly not following laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between the time of XX/XX/XXXX and XX/XX/XXXX my mortgage was sold to another company ( XXXX sold to PennyMac ). During this same period I was in the hospital with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ( due to damage from XXXX treatment ). I was XXXX XXXX XXXX XXXX XXXXXXXX transplant and in and out of consciousness. During this time my wife began taking over all bills and gaining power of attorney. Unbeknownst to her as well; was the fact that the mortgage had been sold. At some point in XXXX she realized she had not received a statement/bill. She called XXXX XXXX XXXX and found it had been sold to PennyMac. She called PennyMac and found our mortgage was in arrears because the bills had been sent to the wrong address ( not our address of XXXX years but the address of the new mortgage where she was not residing. ) She immediately contacted our XXXX XXXX XXXX XXXX and XXXX XXXX at ( XXXX XXXX ) and initiated a wire transfer to put the account up to date, at the same time spending at least XXXX hours on XXXX different days Between XXXX XXXX on the phone with a gentleman named XXXX from PennyMac who was initiating foreclosure. I continuously asked him to look at the wire transfer number and he made no attempt. Finally, I asked him to allow a XXXX way conference call with our advisor ( XXXX XXXX ) from XXXX XXXX, and when the finance XXXX asked him to look at the transfer number, he found the XXXX had been put into the wrong account. They finally corrected the matter a few days later. Since then ( over a year and a half ) we have received calls daily from debt relief robo calls, and they do not stop, even though we are actually ahead on our payments by several months. We have called several times including today ( XX/XX/XXXX ). and asked that they update/correct the information on the credit report and they said they would have to send it to their research department and they would not update it. This is affecting our credit score. We would just like them to update and correct the information they have.
Product: Debt collection

Received notice for payment that went to collections. Didnt know I owed money.
Product: Mortgage

They make me look like if I was behind on my Mortgage on the month of XX/XX/2018 & XX/XX/XXXX when I was not and never was, when I was even giving extra money to the Principal. The Money Source Web site and the managers started a problem, when my wife was trying to increase the payment, so more money went to the Principal and two payments came out that month and because I reverse one of them thru my Bank as Fraud they took revenge and committed slander against me by reporting me late at the Credit Bureaus, for 45 and 60 days, when it was not thru. Told them to correct that and the accounting department or the company revert that letter from going to the Credit Bureaus to correct their injustice. The manager by the name XXXX requested this for the second time and nothing yet. I am a Senior of XXXX years old and a Retired XXXX Veteran and is a disgraced that Americans treat us that way and do not want to admit their injustice and lies to the Credit Bureau.