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

In attendance 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. 
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  I looked at my TransUnion report on XXXX XXXX XXXX and noticed that some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to the 15 USC 1681 i 5 they are suppose to ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681S-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently received my credit report and noticed violations under the 15 US Code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( 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 instructions of the consumer to whom it relates. Meaning that if you do not have or have gotten any instructions from me ( THE CONSUMER ) to furnish an account on my report, it should not be there. That is a violation.I never gave written instruction to furnish any of these accounts. Secondly, according to 15 USC 1681. The law clearly states : 1. Accuracy and fairness of credit reporting.

2. There is a need to ensure that consumer credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy ( ME ).

The following accounts are inaccurate and in clear violation of my privacy which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As a consumer, I want the following accounts to be DELETED from my credit report IMMEDIATELY : XXXX. XXXX - Account # XXXX XXXX. XXXX XXXX XXXX - Account # XXXX XXXX. XXXX XXXX - Account # XXXX I DID NOT GIVE WRITTEN INSTRUCTIONS TO REPORT ANY OF THESE ACCOUNTS TO MY CREDIT REPORT. 
These offenses add up to Aggravated Identity Theft and Reporting Outdated and Inaccurate Information, also lying about debt validation. Pursuant to 18 U.S.C. 1028a You have knowingly possessed, used, and transferred my personal information without my permission this is a felony punishable by two years imprisonment in addition to civil liability.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding Fair Collection & Outsourcing collection agency 's violation of my rights as a consumer. Despite my repeated requests for validation of the debt in question, the agency has failed to provide any satisfactory proof.

The debt in question has been contested by me, and I have provided ample evidence to support my claim. However, Fair Collection & Outsourcing has continued their collection efforts without providing the required validation. This disregard for my rights as a consumer is unacceptable and constitutes a violation of the Fair Debt Collection Practices Act.

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Fair Collection & Outsourcing for their failure to validate the debt and their continued harassment in violation of my rights.

Enclosed with this letter are copies of all correspondence between myself and Fair Collection & Outsourcing, as well as any evidence I have provided to support my dispute.

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to rectify this situation.
Product: Credit reporting or other personal consumer reports

Last month, I sent XXXX a formal letter exercising my right to opt out under 15 U.S.C. 6802 and 16 CFR 313.7. The company has not responded or confirmed compliance with my request. I have attached the letter for reference. 

I request the CFPBs assistance to ensure the company processes my opt-out request as required by law.
Product: Mortgage

My mortgage company is reporting that I have late payments during the time they were processing my modification. ( XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014 ). I did not make late payments, I made all payments before they were due. Please see my attached supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit file has been really compromised. I have been submitting multiple written appeals to Experian regarding the fraudulent account being reported on my file. The last letter I sent to Experian was XX/XX/2022, with complete attachments of my Personal information, but despite all my efforts, Experian seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. I've been asking for a remedy about this matter but I guess Experian is oblivious for they have again neglected my concern. You asked for Documentation and I have given it. What else should I provide? Did I miss something? Again, I am a victim of IDENTITY THEFT and I do not remember having this account with this company so please DELETE this damaging account from my file IMMEDIATELY! 

XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a checking account with Chime and funded it with a transfer from my hometown bank of {$1500.00} on XX/XX/XXXX. 
Immediately my account was locked, and I was unable to use my money from the account. 
Chime requested information from me verifying my identity and the origin of the {$1500.00}. 
I opted to close the account and requested my money be returned and received a conformation email from Chime on XX/XX/XXXX. 
Since that time, I have received multiple emails asking for conformation of my identity. I have submitted pictures of my driver 's license and passport as well as copies of my bank statement showing the transfer to Chime of the {$1500.00}. 
I have spoken to Chime 's customer services several times and I am told that the security department only communicates via email and have not resolved anything.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account # 1234, 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 reporting

I NEVER lived in California. I have demanded for them to remove the CA. listed. They will not do anything
Product: Bank account or service

In general, I have been erroneously charged nearly {$500.00} in fees since year 2010 by the Branch Banking and Trust Company ( BB & T ) ( hereinafter " the bank '' ) I have reported this to them, and they have responded inadequately, and continue to deny to me in an unethically and likely illegal fashion reimbursement of these funds.
Product: Vehicle loan or lease

The car has a balance to be paid on it after repossession then auction. 
there is a co signor that is not on XXXX. Per the collection agency they can not legally go after the person on XXXX to pay back the loan ( in NY state ). 
why is the co signor solely responsible to pay back the debt and there is no financial obligation on the person on XXXX?
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Debt collection

Company would call and threaten daily to send someone to arrest me if some debt was not paid. Would notail me detailed info in the mail after several request
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, my score has been docked by XXXX points. This time last month my score was docked XXXX points NO CHANGES! 

In fact the ONLY change is decreased debt. I paid off XXXX of my credit cards today just to see what it would do to my credit score and my score goes down XXXX points for nothing. 

I want this issue corrected. Im also reporting these issues to the FTC for further investigation. If its not corrected then we are going to end up in court. This is really my last warning about this
Product: Student loan

Autopay for my accounts was handled incorrectly, and it is nearly impossible to track amount due through their website interface. I had set up autopay to pay each of my loans, and to add an additional amount each month. This additional amount was supposed to go to the loan with the highest interest rate. 

Because there is only one place on their website to view amount due, but multiple loans that are being handled by them separately with different due dates, it is not possible to view amount due each month for each loan, only the next amount due for the next upcoming loan payment date. 

Instead of getting one automatic debit taken from my account to cover the amounts due for each of my loans plus one additional lump sum ( that I indicated ), I had multiple automatic debits taken in the same month. I can find no indication of why the amount that was taken was taken in my account, but I can only guess that each of the multiple autodebits taken were an amount due for one of my multiple loans, plus the additional amount I indicated taken EACH TIME in the same month. This resulted in me being significantly overcharged each month for my loans compared to the amount due. 
Further, the excess I was paying was going to my highest interest loan, but then was pushing out the payment date such that autodebits were not being placed for that account in subsequent months. There was no direct communication about this to me through my account, nor any indication in my autodebit preferences that this would be the case. 

Nelnet 's website and the way in which they handle payments for each account is nearly criminal, and in order to avoid this in the future I will have to rely on manual payments that I make each month. But, I have only come to the conclusion of this after many months of overpaying my student loans and not understanding why I was getting such large autodebits. I didn't want to cancel autopay for fear of missing a payment on one of my accounts, because there is so little transparency from Nelnet about where payments go and how much is due for each account when.

I feel like the well-being of my finances is being held hostage by Nelnet and their poor management of my loans and payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX received complaint XXXX on XX/XX/XXXX. It is now XX/XX/XXXX ; more than 30 days have expired. All information regarding this account shall be deleted from all consumer reporting agencies including XXXX, XXXX AND EXPERIAN immediately.
Product: Credit card or prepaid card

I applied for a credit Ca rd at Chase and got declined. I have a credit score  above  XXXX  and was told that I had opened too many credit cards. I asked if that was their policy "  XXXX  at lending '' stated that it was CHASE policy and there was nothing I could do about it. I asked for a copy of the policy or if she can tell what the policy was. In essence I wanted to know how  many ( a number ) credit card s were too many. She stated that she could not disclose that. I mentioned that I needed to know so that I do not go through this problem ever again. I asked if this was an industry wide thing or just a CHASE thing, again she stated that she could not disclose that either. For a publicly traded company all policies when it relates to consumers and their credit should be disclosed. If I had been told that if you open " too many credit cards '' you will be declined i Would not have applied. It is imperative to know how many is too many as a decline shows as a derogatory on y our credit score affec ting my ability to get better terms with creditors.
Product: Mortgage

I applied for a {$300000.00} mortgage for a purchase of $ XXXX primary residence, with a $ XXXX down payment. I have a credit score of XXXX, I have been on my job for 20 years with the same employer and I have earned income of {$330000.00} per year and social security income of {$2800.00} per month and rental income. I have cash reserves of more than {$1.00} XXXX after close of escrow. I have proven I have sufficient earned income, credit and down payment and reserves to qualify for the mortgage. I provided all documentation to the lender immediately, tax returns, pay stubs, verification of deposit and letters of explanation. the last letter of explanation their underwriter wanted from me is to certify that I do not plan to retire. I feel this is age discrimination as I am XXXX years old and still working full time. They do not ask a younger borrower whether they plan to quit their job or to certify they will not be laid off why would they ask me to write this letter. I wrote this letter and the loan has still not been approved. The lender tells me that I had to write this letter as I am currently collecting social security. I explained that I started drawing social security two years ago and continued to work full time and collecting social security is not an indication of retirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for 7 months now. EQUIFAX has Failed to Remove and BLOCK the fraudulent information included in my identity theft report from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and I also have enclosed copies of the Federal Trade Commissions ifentity theft affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, US Dept. of EducationXXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Prepaid card

On XX/XX/2023 at approximately XXXX, I was discriminated against by Bank of America. They refused to let me get my money off my EDD card which is a Bank of America card allegedly because my middle initial wasnt on my bank card. I do not get to choose whether my middle initial comes on the card, the card is automatically issued by CA EDD. My ID matches the name and address on my card, and I know my PIN. I spoke with the manager who also denied me access to my money allegedly because my initial wasnt on my card and stated that was Bank of America policy, even though I had no issue 2 weeks ago with a different bank teller doing the same transaction. I left and went to the next local branch and completed my transaction without any issue. I asked if there a policy that states that I have to have my middle initial on my card to which they stated no such policy exists and gave me my money. There was no reason for the initial transaction to be denied and asking me to leave other than discriminatory practices at the first banking location and the first bank teller involved
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Name : XXXX XXXX XXXX Birthday : XX/XX/XXXX Ssn : XXXX My address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX To Whom This May Concern, I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : XXXX XXXX XXXX Account number XXXX XXXX  XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Original creditor CONSUMERS ENERGY THIS ARE NOT MY ACCOUNTS AND I HAVE NO KNOWLEDGE OF THIS WHATSOEVER XXXX unaware of the above listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTINGACT section 623 ( a ) ( 3 ), and Iam keeping CAREFULrecord of your actions. Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. Iwill be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, Imay be detailing any potential issues with your company via the better business bureau along with an online public press release, including documentation of any potential small claims action.

*Please remove all non-account holding inquiries over 30 days old.

Thank you for your cooperation in this matter, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is a corrupt collection agency. They reported a claim that was billed by a doctor with errors in 2015. They refuse to refill or erase. They're rude and crooks. Amount is not owed. They are collecting to collect without proof of ownership.
Product: Debt collection

I paid this guy from Lexington law To clear up debt, your promise that I only be charged for the download of the credit report, one monthly payment Of XXXX, but yet there's no credit change in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA requires investigations to be completed in 30 days. Trans Union and XXXX has gone over 30 days according to the law. I did not consent to XXXX and Transunion to add to my credit report. There was no investigation be either. I will be filing for a {$1000.00} in court. I will also be writing FTC that my rights were violated. Due to the XXXX, XXXX breach. I am demanding one last time that the bankruptcies be removed and sent an updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Last 4 of XXXX RE : XXXX XXXX Dear TO WHOM IT MAY CONCERN XXXX XXXX XXXX : XXXX am responding to your contact about a debt you are trying to collect. You contacted me by phone on XX/XX/2023 and identified this alleged debt. PLEASE PROVIDE PROOF OF CHARGE OFF/ The following account was charged off as of ( XXXX ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 



I am demanding a deletion of the following account. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.