23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Product: Credit reporting or other personal consumer reports

Still pending a deletion from my credit report. But something always pops up on my credit report from time to time that does not belong on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Concerning Accounts XXXX and Account XXXX, Capital One has violated my rights 15 USC 1681 Section 602 states, I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states, a consumer reporting agency can not furnish my account without my written instructions.

15 USC 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

Recently i did an investiation on my credit report and found sseveral items on there to be inaccurate. Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumerreporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the indivdual about whom the report relates. 

15 U.S Code 168i ( 5 ) Treatment of inaccurate or unverifable information ( A ) in general if after any investigation under pargraph ( XXXX ) of any information disputed by a consumer, an item of this information is found to be inaccurate or incomplete or can not be verified, the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher pf that information that the information has been modified or deleted from the file of the consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I had taken out an installment loan which was not paid directly to me all at once but would be once the payments were made. I cancelled the loan mid-contract and was owed a refund for some of the money which I had invested towards the account. I received an e-mail from XXXX that stated I had until XX/XX/2022 to pay the outstanding balance of {$390.00} and that XX/XX/2022 would be the last day to do so. 

I paid the outstanding balance and left XXXX with a {$0.00} balance on my account prior to the date which was set for the deadline to make said payment. However, in XX/XX/2022 I began receiving notifications from Experian, XXXX XXXX, XXXX XXXX that XXXX had reported my account as a " charge-off '' status, this was not the case as the letter I received from XXXX ( see attached document ) stated I had until XXXX. This was very unsettling and has been very unsettling with me for the past year. 

This account was paid off in full, & I also received a refund for the money I had invested in the account. 

I request the immediate removal of this XXXX account due to several inaccurate reporting including dates, amounts, and several inaccuracies which have affected my credit score among other things.
Product: Debt collection

The collector is harrassing me over a debt that is not mine, although I did recieve services from XXXX they did not send the bill to my insurance company within the alloted time frame and now are after me for collections.I have had the same employer for 17 years and before this dispute my insurance had paid for their services 4 times prior to this.I have a name of the person at XXXX who did not file the claim right.I contacted my insurance carrier and they said that they were never billed for the services at quest diagnostics on this occasion.I have tried numerous times to explain to these people but they will not listen to me, I even went as far as getting a rep from XXXX XXXX XXXX XXXX talk to quest and informed them that the statue of limitations ran out on their bill so because of XXXX diagnostics mistake they have messed my credit up and have really cost me as far as loans go, is there legal action that I can take against the collector? XXXX
Product: Checking or savings account

When I signed up for this account I realized I needed to remove money for a short time. I signed up knowing I would get a bonus and when I called the bank they said removing the money for a short period would be fine and I would still get the bonus. 

Now today they are saying that is not the case. They're saying whatever THEIR rep told me was wrong and that I won't be getting the bonus. Completely unhelpful over chat and refusing to help whatsoever. So not only are they not holding to what the rep told me but they are completely ignoring advertised sign up bonus. 

Please advise best way to proceed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Regardless, the requests I have sent out were consciously neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I went to the car dealership they ran me for financing without my consent multiple times! Listed below are all the times I'm aware that they ran my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 rest below were pulled off my XXXX XXXX credit report that I am unaware of. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

On XX/XX/XXXX I submitted a complaint on PROFESSIONAL BUREAU OF COLLECTIONS OF MARYLAND , INC . The complaint stressed out that the collection agency was using " scare tactics '' to try and collect the debt. I called the agency multiple times to try and resolve the matter and let me set up payment to try and get the account current. I was able to start making payment from that date and on XX/XX/XXXX i had a flat tire that put my account overdrawn and did not allow me to make a payment. I called the company on XX/XX/XXXX to try and arrange a payment on the phone but the collector advised me that they would only take the balance on the account. I told them about the situation and said i only had 2 hours to make the payment in full. I want to continue making the payments i have been making so my account can stay current.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to formally request the removal of an old account from my credit report that is over XXXX years old. According to the Fair Credit Reporting Act, accounts that are more than XXXX years old should no longer be included in credit reports. The account in question is [ Account Number or Description ], which was opened on [ Date ] and has been inactive since [ Date ]. I kindly ask that you investigate this matter and remove the account from my credit file at your earliest convenience. Thank you for your attention to this issue.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for failing to properly investigate and correct inaccurate late payments on my XXXX XXXX XXXX account ( ending in XXXX ). Despite providing evidence of discrepancies, Equifax verified the account as " 100 % correct, '' while XXXX and XXXX deleted the late payments after reviewing the same proof. 

Equifaxs actions violate the Fair Credit Reporting Act ( FCRA ), including : - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires a reasonable investigation of disputes.

- 15 U.S.C. 1681e ( b ) : Requires accurate reporting.

- 15 U.S.C. 1666b : Prohibits treating payments as late unless received after the due date.

Equifax has a history of improper investigations, as seen in the CFPBs recent {$15.00} XXXX enforcement action. I have suffered harm, including : - Denial of mortgage, auto, and credit card loans.

- Higher interest rates on approved loans.

- Emotional and financial distress.

I submitted my dispute to Equifax via certified mail ( Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX ), but they have not corrected the errors or provided adequate documentation.
Product: Mortgage

XX/XX/24 i received a delinquent notice from my XXXX XXXX  about the payment not being made for XXXX there is now an additional late fee of XXXX dollars added so it is now XXXX FAIRWAY INDEPENDENT MORTGAGE is supposed to pay the homeowners fee through escrow. They told me they were not involved and i had to settle it.
Product: Debt collection

On XX/XX/2021, I recieved a phone call from Portfolio Recovery Associates whom were attempting to collect debt. The lady I spoke with, XXXX ( refused to give last name ), refused to attempt to validate the debt over the phone. She then proceeded to state that " the debt belongs to you, don't play XXXX games '', when I asked her to send information in the mail to validate the debt. She also refused to verify any information at all to even verify that I was the right person. After this, I did not receive another call from anyone at Portfolio Recovery. 

On XX/XX/2021, I received a summons in the mail for a court case that was dated XX/XX/2021, regarding a garnishment for {$1200.00} from Portfolio Recovery Associates, LLC. The summons is dated as being issued on XX/XX/2021. According to the XXXX City Court, there is no court case with the number provided on the summons.
Product: Credit reporting or other personal consumer reports

Upon viewing my most recent consumer report, I saw a XXXX  account that shouldn't be shown there. I studied the consumer laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These XXXX claims that it shouldn't be on my credit report and that you released my personal information without my consent. This is unacceptable! I'm a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I will seek legal action against your company!
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX 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 reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft, I filed all the reports according to CFPB, Department of Consumer Affairs, the IRS and Police Departments. I sent the information to the Bureaus along with my ID, Credit and Police Reports, SS Card and other identifying information. I informed the Bureau of the Theft of Identify by mail and phone, I Disputed the Inquiries and requested they be removed immediately. I was impacted by the cyber breach and XXXX XXXX advised me some one was attempting to open an account & at XXXX they went into my checking acct. The Bureau has refused to delete information. I contacted the creditors and was advised, the Bureau is reporting the information NOT THEM, My job has become trying to block the thieves and fight the bureau to correct and update my information. To an end that now include my retaining an attorney. My occupation will not permit me to Freeze my account as Government and Private sectors must have access at any time. The Bureau has failed to safe guard my information and ignored all request.
Product: Credit reporting or other personal consumer reports

I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. 


To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law. 

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report. 
An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within XXXX  days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 
XXXX, XXXX, L, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX & XXXX XXXX XXXX XXXX XXXX, NM XXXX
Product: Credit reporting or other personal consumer reports

I want these inquiries to be deleted because I did not authorize these companies to run my credit. Ive attached the report with all companies names and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a XXXX notification that my SSN was associated with an address that was not familiar when I went to my XXXX alerts I noticed that the address was a location where I had reported fraudulent use of my credit cards that was stolen in 2021 and a compromised SSN. An account was opened under my name & was created fraudulently with my contact info. 

The account is with the XXXX XXXX XXXXL account number XXXX Another account was opened without my authorization XXXX XXXX XXXX that LENDER is : TRANSFORM CREDIT INC account opened & closed in the amount of {$220.00} on XX/XX/2021
Product: Credit reporting or other personal consumer reports

recently I locked at a copy of my credit report and noticed several inaccuracies on my account, this account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accurasy Here is the item I am asking you to verify as accurate : Account name : XXXX XXXX  Account number : XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Payday loan, title loan, or personal loan

I am currently stationed overseas and I was out with some friends when I misplaced my phone, I ended up finding it later that day and everything seemed fine with my phone. On XX/XX/2020, I noticed that there was a XXXX cash advancement pulled out on my credit card and the following day there was a loan taken out under my account. I myself did not take out this loan or request the cash advancement, so immediately after finding out I went into Navy Federal branch and started a Fraud claim process with them. I got all the help I needed to fill out what was needed and submitted the claim. I was told I would have to wait about 15 business day for the outcome of the claim. As the claim was going through, they removed the loan and reversed the XXXX cash advancement. As the 15 days came closer I realized that the loan and the XXXX was posted on my account again. So I took it upon myself to call Navy Federal and ask what the outcome of the claim was and the lady I spoke with said that my claim was denied. She informed me that I could do an appeal on the claim and sent me the form that I needed to fill out for the appeal. I was heading back home to the states for the holidays at this time, so when I got back to the states I went into a branch and got help with the appeal. The clerk helped me fill out the form and I submitted the appeal along with screenshots of the activity that was happening with my accounts. Whoever applied for this loan and requested the cash advancement, also hacked into my cash app, XXXX XXXX  and XXXX. They used those three applications to transfer the funds to other accounts. The names on those accounts I have never associated with before. I am appalled by the lack of security by Navy Federal, the loan should have never been approved because first there is no hand signature. Anyone can fake a digital signature, and two it should have been an in person process not an online process. I don't believe that Navy Federal did a thorough investigation of the activity. I would like to see all documentation and validation supporting this investigation on my account, in order to validate that my information was not compromised by staff or employees of this financial institute or any affiliated financial institute connected to these transactions. 


In the images attached, as you can see those names and phone numbers can be linked to someone. I don't know who those people are and have never sent money to them ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I reach out to CFPB a few weeks ago on this matter with ya 'll giving a complaint on XXXX, Equifax and XXXX. Their reaging false accounts on my credit report and have yet send any verified information with my signature on any of these accounts they literally deleted that you'll see in my upload files but then put accounts back on as a New Account. Which is a Violation of the FCRA Section 623 and Violation FDCPA 806B
Product: Credit reporting or other personal consumer reports

These companies broke the law and violated XXXX USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached EMPLOYMENT INFO : XXXX need to remove & updated ADDRESSES REPORTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX need to remove & updated Inquiry details XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( date last active ) reporting differently on each bureau ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, XXXX, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.