23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

The federal student loan servicer is reporting my account as late to the credit bureaus. The loan servicer incorrectly reported that I was late on XXXX, XXXX and XX/XX/2017. I was not late and paid on time. The incorrect credit reporting is causing negative credit markings, and negatively impacts by ability to obtain credit and loans.
Product: Mortgage

XXXX  XXXX filed to include past due mortgage arrears. During the bankruptcy received ERMA funds ( assistance due to the COVID ). Judge approved funds and mortgage company was supposed to file order resolving claim. the account should now be current. It is not reflected as current and payments are being held ( unapplied ). The account has also been removed from my credit report. I have contacted the company several times and my bankruptcy attorney has as well. This is absurd as they are violating the fair credit reporting act. We are desperately trying to repair our credit and get back on our feet financially however, SPS is making this extremely difficult. I need this reported accurately and funds applied.
Product: Checking or savings account

I had a checking account with PNC bank, but it got closed on XX/XX/XXXX. They did not give me a specific reason for the closure even when I asked for the information. The only reason I could think of is that I got scammed by a fake check on XX/XX/XXXX. I notified the bank about it before they approved the check, yet it caused my account to Low Cash Mode multiple times as they tried to confirm the check. I went to their branch at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX to check if my account was ok XX/XX/XXXX. Then they told me that everything is fine as I communicated the possible fake check scam. However, they closed by account and sent me a check of remaining money in my account. This caused me unable to open another bank account in other banks as Involuntary account closure is now on my report.
Product: Debt collection

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). 


( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act.

Collection agency has not provided validation information under 12CFR 1006.34 ( b ) ( 5 ) but yet they placed a collections on my credit report.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A )
Product: Bank account or service

My account with American Express Serve has been locked and is " going to be closed ''. I called to inquire on the issue and they say that one of the transfers made to my account was fraudulent, I ask why they will be closing the account because one transfer was reported as fraudulent and they just say " because of our terms of service '', so I go on and ask how they will be returning my remaining funds to me and they say that all of my funds will be returned where they came from. My account was funded by account transfers from other people and they want to return the funds to those accounts even if they where NOT fraudulent in nature. The account transfers where made as payment to me and none of them where fraudulent in nature to my knowledge, even if one where they are saying that ALL of them will be returned even ones that are not reported as fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally consumer right to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX Bankruptcy XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Bankruptcy XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C. 1681c. ( e ) ( 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: Credit card

When I received my pay check on XX/XX/XXXX there was a garnishment so I called my payroll department to find out where it came from and how much it was for and the only information they could provide me with was to contact the general session court and provided me with a phone number to call. I called and was told it was from XX/XX/XXXX and was told I could contact Cavalry Portfolio so I called Cavalry Portfolio and the rep stated she could not help me and I needed to contact XXXX so I called XXXX and spoke with someone name XXXX and I asked her what this was pertaining to and at first she stated it was XXXX and XXXX and XXXX and that there was several things on there and I told her there was no way that XXXX and XXXX could be on there as I currently have XXXX and my vehicle is paid for that was financed through XXXX and she then asked if she place me on hold while she researched the account and then she stated it was for XXXX/XXXX. I asked her what was the original amount of this so called loan/credit card as I have never taken out a loan with this bank and said she did not know what the original amount was but stated they received a judgement in the amount of {$12000.00} back in XX/XX/XXXX. She went on to tell me that they had re-filled the garnishment 6 months later as they had not received a payment but stated that they received a garnishment in the amount of {$87.00} on XX/XX/XXXX, she stated that I made two {$50.00} payments via money orders in XX/XX/XXXX and that I had paid a total of {$3200.00} and I asked her how could that be if I only made 2 {$50.00} payments plus the one garnishment for {$87.00} plus the one the just took for {$330.00} clearly that does n't equal out to be {$3200.00}. XXXX stated that I had faxed them a copy of my pay stub and car payment and a medical bill as well as my cable bill back in XX/XX/XXXX and had agreed to pay {$50.00} a month. I think that something needs to be done about all of these debt collection agency 's that go around buying up old debts and harassing consumers over time barred debts and on top of it can not even provide you with the original amount needless to say I thought you can not be sued on a time barred debt. Something needs to be done to protect the consumer especially when they go in and obtain a garnishment on a time barred debt. I would like my money returned and the garnishment STOPPED!! Otherwise I will have to seek the advise of an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$1200.00} XXXX XXXX XXXXXXXX Balance {$1000.00} XXXX XXXX XXXXXXXX Balance {$510.00} XXXX XXXX XXXX Balance {$480.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance {$420.00} XXXX XXXX XXXX  ( Original creditor : XXXX  ) XXXX Balance {$4500.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX Balance {$410.00} XXXX XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXX Balance {$830.00} XXXXXXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$480.00} XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$79.00} XXXX XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance {$1200.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC XXXX XXXX report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an XXXX XXXX  report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of XXXX XXXX  and should be blocked : 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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX All these creditors are in violation of my consumers rights. 
XXXX XXXX XXXX to remove an account that was opened in XXXX which is past the XXXX years required by consumer law to remove. I have no knowledge of that old account and they reporting inaccurate address and personal information about me. I asked for them to remove due to reporting inaccurate account and its XXXX years old. They sold the debt to a third party and now deragatory remarks are being reported. The last date reported on my credit was XX/XX/XXXX. 

Capital XXXX is reporting a closed account with a XXXX balance and reporting inaccurate information on my credit report. The account is paid and closed and I asked them several times to provide proper documentation and remove the unauthorized reporting off my credit report. They last reported on XX/XX/XXXX. 

XXXX XXXX, I have no clue who that company is or who they bought a debt from without my consent is now reporting on my credit. It is affecting me negayand violating my consumer rights. 

XXXXXXXX XXXX XXXXXXXX reported {$260.00} on my credit on XX/XX/XXXX. I have no clue who they obtained that debt from and I asked them to remove the inaccurate information off my report. They never supplied me with an original contract. 

XXXX XXXX reported inaccurate payment dates and amount due on XX/XX/XXXX in the amount of {$990.00} and is a third party company that Ive never have permission to report on my credit. I asked them to please remove the inaccurate account from my credit but they never responded. This is effecting me negatively. 

XXXX is also reporting a paid and closed account with a XXXX balance. I spoke with a rep of they company and was promised a removal off my credit report but they are still reporting on my credit, XXXX XXXX XXXX  reported inaccurate information on my credit report im not sure who the company is and I disputed this account several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX Account # 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

On XX/XX/XXXX, I checked my email and saw that I had been sent Fast Pass tickets from XXXX XXXX  XXXX XXXX. I immediately called Wells Fargo to report the fraud. They closed out my card and sent me a new one. In XXXX ( I don't remember the date ), the charges of nearly {$780.00} were added back to my card. When I called to see why, I was told that they were added back because I had authorized the charges. I emailed XXXXXXXX XXXX  XXXX XXXX and was told that they felt like my email account was hacked and that they did not check that the person who purchased the tickets had my card or an ID even though their printed policy specifically states that they do that. I faxed this information over to Wells Fargo and had to do so twice because the first was " lost. '' I sent another fax in XXXX and was told that this one was also not received until I mentioned that I sent it from a branch. They were able to find it then. Despite XXXX XXXX saying that they did not verify the identity of the person who made the purchase and despite XXXX 's agreeing with me that email account had been hacked and despite the fact that the tickets were purchased from a computer that is in a completely different city from where I live, Wells Fargo still concluded that I authorized the transactions because XXXXXXXX XXXX XXXXXXXX XXXX said I did. Once my direct deposit from my job hits at the end of the month, I will be finding a new place to do my banking.
Product: Checking or savings account

CITIBANK CHECKING XXXX BREAKS LAW BY REFUSING TO ELIMINATE ALL SHARING TO EVERYONE OF XXXX XXXX 'S INFORMATION. SEE ATTACHMENT.
Product: Credit reporting or other personal consumer reports

Debt versus XXXX, misclassification of accounts. Wrong information, not up to date information
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am Sending this complaint to request that the listed accounts below which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my files coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Its not allowing me to use this app because I have a PNC checking account
Product: Debt collection

The company Ability Recovery Services , LLC picked up an old bill of mine with XXXX University one that I had already discussed with XXXX University as inaccurate. They then reported it on my credit report which was inaccurate and aged out due to fair credit reporting act. I sent an email to Ability Recovery Services notifying them of this matter and requested a validation letter of this account and I didn't hear back from them. I made them aware that this was affecting my credit and got no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting on my credit report that I had an account in collection on XX/XX/XXXX. I have attempted to file a dispute with Experian but they are reporting that the information is accurate. The account was paid off in XX/XX/XXXX. Although I was making payments directly to XXXX, they still reporting me to collection agencies, which neither reflect on my credit report. The payment history is incorrect and Experian nor XXXX will correct the issue.
Product: Vehicle loan or lease

As evident in the attached agreement, in which I was under much duress at the time of signing on ( XX/XX/XXXX ), the alleged creditor, Exeter Finance, denied me of my right to rescind as pursuant to XXXX XXXX XXXX, considering that this was a consumer credit transaction. This is shown under the section titled No cooling off period. 

I as the consumer am also being charged outside of the finances charge which is presumed to be the SUM OF ALL CHARGES. To charge me anything other than the finance charge ( e.i. Interest ) is a violation of XXXX XXXX XXXX. The finance charge is also to include an insurance premium which I was not given full disclosures of or offer. If having comprehensive and collection is a requirement for Exeter Finance, then it makes sense as to why it is supposed to be included in the finance charge. 
The agreement is very false and misleading ( XXXX XXXX XXXX ) as the alleged amount of the final sale is in a positive balance. If I am in debt to another, I would better make this assumption if a negative balance were shown. It is also false and misleading as Exeter Finance is not listed on the agreement as the seller or buyer. XXXX XXXX XXXX XXXX is listed as the seller/creditor on the agreement. If I didnt know any better I would assume I am in an agreement with XXXX XXXX XXXX XXXX and not Exeter Finance just by looking at the signed agreement. 

I spoke with a representative of Exeter Finance for almost 2 hours trying to resolve the matter on XX/XX/XXXX. The representative agreed with my arguments but the only resolution offered was to surrender the automobile. 

I also have a copy of a XXXX Certified Search Report from the Georgias Secretary of State. This XXXX is proof that I am not legally obligated to this debt. In order for an alleged debt to be valid it must be recorded with the XXXX of State.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX personal information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries that appear on my credit report. Upon reviewing my credit file, I noticed multiple inquiries listed under my name, which I did not authorize. 
I would like to clarify that I did not give permission for any of these inquiries to be made, and I am requesting that they be thoroughly investigated and removed from my credit report. These unauthorized inquiries are negatively impacting my credit history and score, and I am seeking your assistance in correcting this matter as soon as possible. 
Please find attached a copy of my credit reports with the fraudulent inquires listed as well as the report that I have filed with the FTC. I would appreciate your prompt attention to this issue, and I kindly request that you remove these unauthorized inquiries from my credit file to reflect accurate and fair information. 
If you require any additional documentation or further details, please feel free to contact me at the phone number or email address provided above. 
Thank you for your time and prompt attention to this matter. I look forward to your response and the swift resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in a auto accident in XXXX of XXXX I was rushed to the XXXX XXXX XXXX anyhow the car was deemed a total loss. My insurance company took time paying off the balance of the loan plus I had XXXX and, Did make payments. I filed a complaint on XX/XX/XXXX with CFPB XXXX Bridgecrest sent a letter and, attached that same letter to complaint XXXX stating they were going to report to all major credit bureaus with 0 30 0 60 0 90 paid and, closed, and they did due that for one month only and, as, soon as the CFPB complaint was closed bam they reported same negative that they removed to my credit report