23daVinci/CFPB_Complaints huggingface dataset:
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 protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

Lived at XXXX XXXX  Apartments from XX/XX/XXXX until XX/XX/XXXX as primary signer with my Grandfather being the cosigner -- In XX/XX/XXXX2020 i moved out and informed the office manager XXXX in XXXX XXXX 2020 i would no longer be on the lease but my Grandfather would remain a resident there and be the sole primary resident. 
Everything was approved and she said she would get a new lease to his apartment. 
Not to mentioned, he renewed by himself later that year -- -- Fast forward to XXXXXXXX XXXX  2021, my grandfather sadly passed away due to covid. 
When they were told, that is when i found out my name was never taken off the lease and i would be responsible for rent until XX/XX/XXXX 2022. 

I went around and around and around with XXXX over this. They simply did not care, did not care that he died and i know have {$4000.00} in collections on my record- the collection company XXXX  XXXX XXXX based in XXXX GA is even WORSE to deal with. Cruel, mean and cold -- -- -- I was able to get them rental assistance from XXXX to XXXX The last month of rent i was not, that last month they tacked on ridiculous charges as they said a door was missing, that they had to remove a WALL??? 

I offered to pay the {$4000.00} in payments how i could -- -- but they wanted almost {$600.00} a week -- - i could NOT afford that --- they wouldn't accept anything else -- and sent it to collections.
Product: Credit reporting or other personal consumer reports

After examining my credit report, I noticed numerous billing errors. The late payments recorded do not correspond with my usual payment history.
Product: Mortgage

A loan modification request XXXX HAMP was requested and submitted over XXXX year ago with all supporting documentation. My XXXX request showed sufficient income to not only qualify under HAMP program, but to repay my mortgage and start making mortgage payments. In XX/XX/2016, the lender OCWEN wrote a letter advising that the modification was being denied due to insufficient income. However, the income noted on the XXXX shows a surplus every month. The letter although authored o XX/XX/2016 did not get mailed till XX/XX/2016 a month later, without sufficient time to appeal the decision. An incorrect decision was made regarding this loan modification request on my primary residence since HAMP should have been awarded.
Product: Student loan

This company is harassing my family about my loans. They declined to work with me when I lost my job. I called in XXXX to try to make a plan to help pay for my loans while I was unemployed and they refused to help. Since they wouldn't work with me, I was unable to pay them for 3 months. Now they are harassing my sister with phone calls. I never gave them her phone number and I have no idea how they got it, and that is VERY disturbing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle through XXXX XXXX, the vehicle lights came on a hour after purchasing, upon inspection, the vehicle was deemed Un drivable, dangerous and extremely unsafe. In contacting the company, they refused to pick up the vehicle even though it shouldnt be driven..They promised to put me in another vehicleThey did but made me put down more money to get in another vehicle.Upon leaving this vehicle was squeaking, and shaking.. They told me to contact there repairs center, I did noone contacted me back.. I had to contact corporate for them to contact the repair center to contact me back.The repair center came out to repair the vehicle 3times and it still had issues. I spoke to XXXX XXXX, they made a contract stating I had till a stated date to turn in vehicle and receive my deposit back and that this wouldnt be placed on my credit as late or otherwise until after the date expired.This was done again and I was given a additional date. I became very Ill and was and still am in the XXXX.My sister reached out to XXXX and XXXX and was ignored.The date had been extended to XX/XX/XXXX, and nothing was to be placed on my credit until after this date. I received a donation and tried using my checking account to pay for the vehicle, the wrong account information was on file, upon telling them this, I was told to ho online., chose payment and when it says checking, update information.However when doing so, it made the payment, I immediately advised them.. I received no response from XXXX or customer service. I sent in a money order and my order disappeared, I did a loss money order dispute and again contacted XXXX, the ceo, the vp and several other executives..XXXX XXXX is owned by Carvana and I reached out to them also, the ceo at XXXX ( XXXX XXXX and not one return contact.Upon getting alerts on my credit, The company had been putting my payments as late on my credit, during the contract time, even though it was stipulated in the contract that it wouldnt be done. I have a copy of the contract and have now had to hire a attorney because of the knowingly breach of contract that XXXX, Carvana and XXXX XXXX have committed..
Product: Credit reporting or other personal consumer reports

My mortgage is with M & T Bank Mortgage out of XXXX, DE and according to XXXX, it is a XXXX XXXX affiliate. 

My mortgage amount is {$2500.00}. 

In XX/XX/XXXX, we received a letter from M & T stating that our account was past due. I was confused as I have not changed our auto pay feature from our bank. I went to M & T Banks, website and logged into my account. Nowhere did it say that an amount was past due, or that a double amount was due next period. It merely said that Autopay was ON and that the {$2500.00} was due next month. There was no inclination that anything was past due. With this, I thought maybe it was a timing issue of a day or so and the account was current. 

In XX/XX/XXXX, we received another letter from M & T Bank. This again said that the account was past due. I then went to the website and logged in. The account said that the Autopay was ON, nowhere did it say anything was past due, and said that the next payment due was {$2500.00}. I told my wife that everything looks find and must have been something wrong on their end because it shows account in good standing. 

In XX/XX/XXXX, we received a third letter. At this point, I need to confirm everything is fine. I called M & T Bank and explained the situation. The gentleman on the other side was very helpful and I told him the situation. He said that the account was indeed past due. I told him that nowhere on the site does it show that and that it only shows the next payment due, and he said " that is an issue with their website '' but that it is past due. I told him that was not acceptable from the site and I made payment right then to make the account current. 

Not knowing that anything is past due from the website is a lack of transparency from M & T Bank and need to show that the account is Past Due, by how much, and what is expected to be paid to make the account current. Their lack of website data and account information is not my fault. Should I have known or seen that there was a past due amount, I would have immediately paid the account at the time of first logging in. Their website showed no inclination of a past due amount and is misleading. 

Please research this feature or lack there of on their website. Others will or have had the same circumstances and is not fair to the Consumer, which is why I am getting you involved. 

I tried to resolve the issue with both M & T Bank and with XXXX Disputes and this still shows on my credit score as past due payments for 2 months. 

I am a small business owner and this directly impacted my XXXX XXXX XXXX line of credit and reduced it from a $ XXXX line of credit, to {$11000.00}. 

You will see that I am have not been late on any other accounts or vendors. 

Thank you for your itme.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several incorrect items on my report with the credit agency 's all three. I've proved my case of them being incorrect and they have been removed. Then they reappear/ show up on my credit report. Try disputing again and the credit agency 's dispute results say it remains. It's already been removed and now they tell me it remains.. what's really going on. XXXX and associates being one of them. This was a debt that was bought from XXXX XXXX, which is illegal. I paid that balance to XXXX XXXX, I don't owe XXXX anything, no charge off nothing. I demand it being removed cause it's false. The second XXXX XXXX XXXX. I had a XXXX financed back in XXXX. I went to prison on XX/XX/XXXX. Upon release I filed my divorce and the judge deemed this account and several others my ex wife 's responsibility. I emailed all credit agency 's the judgement, it was removed, but appears on XXXX and equifax. The third, XXXX XXXX They bought a debt from XXXX XXXX which is illegal. When a debt is purchased from the original person it's owed to, it a write off for that person it was owed. Anytime i have been seen by the hospital i have had and gave proof of my insurance. Therefore my Debt was paid!! I don't owe XXXX XXXX  Any money and with that being said, I demand all these accounts be removed from my credit report and stay off of it!! I have proved my innocence enough for it to be removed once. It shouldn't reappear!!!!! There is also alot of inquirys I have disputed that isn't legit/ or I haven't gave authorization for that hasn't been removed as well. I will state again, once a debt is purchased from the original creditor, it's paid as it then becomes a write of for the original creditor!!! It's illegal for that person/ company who purchased the debt to pursue me to pay, and/or put on my credit report!!! I don't owe that company proof that the debt was paid by insurance because I never owed these companies anything. When they purchased the debt they should have verified it was a legit debt, not purchase and pursue me to pay. It dont matter if/ what information that company has saying it's a valid debt!! It's illegal in the first place!! I tried calling all company 's to get this settled and I've been cussed at, hung up on, just down right rudeness from them!!! All these stayed need removed from my credit report and stay off of it, I owe these companys nothing.
Product: Vehicle loan or lease

I went and financed a new XXXX XXXX XXXX from XXXXXXXX XXXX in XXXX through XXXX XXXX XXXX on XX/XX/XXXX and I paid a down payment cash of XXXX and i also traded my old XXXX XXXX XXXX in and was told that it would be applied to the total amount of the auto loan However Ive recently went over my contract and discovered that was a lie. Which now Considers this contract null and void.
Product: Credit card or prepaid card

XX/XX/2020 Phone contact USAA Automated System Responds to my TV rerouting me to who knows where. And I am Not provided Access on Line. I eventually spoke with XXXX Requesting XXXX  XXXX payment info be removed from my profile as I would not be making payments anymore on this IDTheft. A PAYMENT UNAUTHORIZED BY ME WAS MADE. USAA claims I did it though voicemail. Anyone can contact voicemail as it DOES NOT HAVE ANY SECURITY SET UP. This overdrafted my social security for the next 3 MONTHS leaving me with overdraft fees. I HAVE NEVER HAD OVERDRAFT IN XXXX  YEARS. If ANYONE NOT SECURE CAN CALL VOICE LINE AND MAKE A PAYMENT UNAUTHORIZED BY ME I CALL SERIOUS FOUL.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 states : A consumer reporting agency can not furnish an account or account information without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by both a telephone operator and her supervisor the following : XXXX XXXX reported fraudulent account opened XX/XX/18. Account reported to creditor timely as fraud. Disputed validity if XXXX XXXX report that account is open active and no past due amounts. I was told that since they feel their investigation is complete it would now be another 30 days before they could review their error
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. # # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The follorwing inquiries were made without my authorization : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. Collection Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Checking or savings account

On XX/XX/XXXX I called the phone number on my PNC card to close my bank account as I got married and became a joint owner of my husbands bank account and no longer needed my own. The employee who picked up the phone was XXXX and she told me multiple times that my credit would get a hit specifically because I was closing my bank account. A quick XXXX search tells you that thats completely untrue, unless you have a negative balance, which I do not. In fact, my bank account was sitting at {$0.00} and was also frozen to make sure that nothing was charged to my account before I could officially close it. I asked her if it would be a hard or soft inquiry and she told me that I would get a soft inquiry on my credit because I was closing my bank account. I was able to close my bank account, but I need to make sure that someone at PNC knows that XXXX is flat out lying to consumers to try and get them to keep their bank account open. If you need any evidence that she lied to me I have her recorded saying everything, as well. She then went on to tell me about PNCs credit card which I declined and she asked why with a very annoyed tone, and I told her I didnt feel like being sold on anything today and I really just want to close my account. She went on to say that she wasnt trying to sell me on anything and was trying to help me save money, and I again told her no thank you. I understand that PNCs top priority is to keep as many customers as possible ( which is what all businesses strive to do naturally ), but your employees should not be using scare tactics and lying to consumers to keep them as customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I got your response to my complaint issued by XXXX XXXX. There are laws put in place and you do not get to say what " seems '' unauthentic when it comes to special victims. I am certain you are saying that because I am a XXXX man. That is out of your jurisdiction. I am refiling this claim and have attached my reports as well. Follow the law. TO file a claim the law does not say a police report is required. It is one of the 5 documents that can be provided. I will be using this correspondence to further litigate this if I have to. Both willful negligence and also a discrimination suit against Midland funding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter on XX/XX/XXXX through Certified Mail to Experian requesting a reinvestigation and the Method of Verification for an account on my credit profile through Experian. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). XXXX  has been non-compliant and didnt complete the dispute in 30 days. I further remind Equifax, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. Nov.14, 1995 ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. The public record is non compliant, inaccurate, and unverifiable.
Product: Credit card or prepaid card

Today XX/XX/2022 I was spoke with XXXX a Senior Account Manager at Capital One. Her ID # : XXXX, XXXX wouldn't give up her last name when I asked for it. We spoke about Capital One Agreement and Credit Reporting. When opening up both of my account I was told that I had to opt in credit reporting and that there is no option in opting out of credit reporting. Capital have violated 15 USC 6802 ( b ) Opt out ( 1 ) In general A 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 XXXX 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. 

Durin the phone conversation I kept asking why was I never informed on how to exercise this option and XXXX kept implying there is no option and that I was stuck with this and that I have no privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an investigation request to Equifax on XX/XX/XXXX. THey are supposed to respond within 30 days. But two months have past, and I have yet to get a response from them. I got responses back from XXXX XXXX and XXXX weeks ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions I submitted numerous of letters to experian, XXXX, and XXXX, stating that there are accounts on my credit report that doesnt belong to me and to verify that these accounts belong to me by sending original documents with my original signature but neither could verify that these accounts belong to me or send me documentation that these accounts were mine.
Product: Debt collection

I was billed on XXXX/XXXX/15 for the ER doc who saw my son XX/XX/XXXX. The initial insurance payment left me owing a balance of {$520.00}. After talking with the insurance carrier - XXXX at the end of XXXX, the insurance company reprocessed the bill, because it was initially coded wrong, and the entire bill should have been covered. I let the ER physicians billing office know and they said they would put a hold on the bill and indicate it was being reprocessed. I got a collection letter XX/XX/XXXX for the {$520.00}. After calling my insurance, I learned they paid the full amount on XX/XX/XXXX electronically and it cleared with bank on XX/XX/XXXX. The ER doc 's office ca n't find a record of this, but I have the EOB and the draft number of the cleared insurance payment. They wo n't communicate with the collection agency to let them know it is being researched. I 've called the collection agency. I 've been told that the {$520.00} was my " deductible ''. This is n't true. I have also provided them with a copy of the EOB. I continue to get calls from the collection agency, despite providing proof to payment to the ER physicians via the EOB.