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

1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. 
As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX  Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

2. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. 
As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

3. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. 
As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

4. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. 
As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

5. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX 7. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. 
As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

8. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. 
As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX  Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

I request the immediate removal of this account from my credit report. Despite efforts to resolve this with the involved parties, I am prepared to take legal action if necessary.

According to the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), you have 30 days to investigate this matter. I do not agree to automated verification methods and expect a manual review
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed in the FTC aren't mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor is reporting inaccurate and fraudulent information on my XXXX credit report. Account was closed on XX/XX/XXXX and listed as a charge-off. Creditor has been reporting before and after reported closure date of late payments. Creditor reporting to credit bureau XXXX of satisfactory payment history on my behalf for months stating from XX/XX/XXXX through XX/XX/XXXX to which this information is inaccurate and fraudulent I have not made any monetary payments on this account since creditor has taken possession of the proposed vehicle of the loan I would like this information corrected and creditor remove this account from the Credit reporting bureau XXXX promptly.
Product: Credit reporting

I sent a dispute to Equifax electronically about the validation of my student loan with XXXX. I have yet to receive a response electronically or by mail to verify the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX -- -- NAMES are NOT MINE. FCRA violation. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NC XXXX < -- - ADDRESSES are NOT MINE. FCRA violation -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ( XXXX ) XXXX ( XXXX ) XXXX < -- - PHONE are NOT MINE. FCRA violation -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX  XXXX XXXX Potentially Negative Status Paid, Closed. 
Account Type Auto Loan Balance - Date Opened XX/XX/2018 < -- - ACCOUNTS are NOT MINE.
Product: Debt collection

This is a debt I have disputed for multiple reason : No notice of court, letter sent to my current location was already a levy letter that I was put through without me even knowing the debt I disputed indicating this is not my debt, requested documentation that I asked to verify proof of this debt which never received just a letter in XXXX saying settle for a set amount which is when I contacted by mail MIDLAND FUNDING LLC, requesting the attached information. I attempted to fax the documentation letter again on the XXXX of XXXX after I received the letter on the XXXX of XXXX, XXXX, which returned busy. They are saying the card is a XXXX card which on the letter attached I previous explained that and once again will be sending it out again.
Product: Debt collection

WAKEFIELD AND ASSOCIATES, LLC are using name, address and Social Security number for ordering money fraudulently, and has taken the signature and the instrument like it belongs to them and trying to collect. I do not know who this company is I have not authorized any use of this information for order of money and they're causing defamation of character, they are continuously doing this action every other month or more. However, they continue to do the same thing over and over. HIPAA stands for the Health Insurance Portability and Accountability Act, and it is a law that was enacted in 1996 that protects patient confidentiality, makes it easier for individuals to keep health insurance and provides security measures for confidential health care information, according to the state of Tennessees Department of Health. HIPAA also helps to control administrative costs within the health care sector.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The equifax credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

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 DELETE from erroneous reporting in my file are listed on my credit report : DEPT OF ED/XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXXLate/Closed-V/N DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX XXXX Balance XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed some accounts that I havent been aware of and would like them off of my credit report. I will attach the document with all of the companies and the information needed. Thank you in advance!
Product: Checking or savings account

My husband and I had been sent numerous offers to set up a checking and savings account with CHASE bank. We decided to take them up on their ( bonus ) offer. We deposited the amount required for savings the day we opened the new savings and checking accounts. We updated checking auto-deposits to fulfil the checking account requirements. On the night the first payment was set to go in to the new checking account we found that it had been closed.

My husband went to the branch the next morning and they refused to reopen the account and apply the auto-deposit. We then had to change the routing information on that payment -- which has delayed receipt of money we use to pay our monthly bills. We are still in process of getting the others rerouted.

Based on the offer, we would have received a {$XXXX} bonus to set up the checking and savings account and deposit funds accordingly ( note we have this in writing ). The savings account was funded the day we opened the accounts and we were pending checking auto-deposits. We had until XX/XX/year> to meet the deadline- which we would have done, had the checking account not be closed.
Product: Credit reporting or other personal consumer reports

Dear XXXX & equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy- bank name or routing not charges that doesnt verify my identity 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 



XXXX XXXX XXXX : These accounts on XXXX have not updated last reported day & 120 + 120 with both bureaus supposed to add 150 days instead of 120. This is inaccurate & last payment date can they send a payment from that date not charges & update the comment section on XXXX. Or delete & i have 2 different payment received on XX/XX/year> & XX/XX/year> PLEASE SEND DOCUMENTS OF BANK STATEMENTS STATING YOU FURNISHED FUNDS PLEASE PROVIDE BANK FURNISHED STATING MY NAME OR ROUTING NUMBER. No any charges that doesnt verify. PROOF IN PDF KIKOFF LENDING LLC : there are no negatives in payment history so there inaccurate & how im late on XXXX  90 days & late on EQ 60 days theres no update in comments section & these accounts on XXXX  HAVE NO UPDATE SUCH AS LAST DATE REPORTED. PLEASE PROVIDE BANK FURNISHED STATING MY NAME OR ROUTING NUMBER. No any charges that doesnt verify. PROOF IN PDF 15 U.S. Code 1681i - Procedure in case of disputed accuracy- bank name or routing not charges that doesnt verify my identity 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
Product: Debt collection

I got a loan from XXXX XXXX for the amount of {$800.00}. I attempted to pay them the money and thought I would pay them back with just a few dollars for interest. They ended up restructuring the loan of {$800.00} saying that I owed {$2000.00}. The company is engaging in predatory lending practices on its loans to the consumer. The balance owed is more than 3 times what was borrowed. Trueaccord is engaging in assisting XXXX XXXX in predatory lending services working hand in hand.
Product: Checking or savings account

I returned some items that I purchased but the merchant didnt return my money its been going on a month so I dispute the transactions along with proof that the merchant has received the items but yet my money wasnt returned back to my chime account after I disputed the transaction my account was close for what every reason along with money still being in my account the bank is still refusing to release my funds
Product: Credit card or prepaid card

I had a credit card with Belk for some time and recently I checked my credit balance and my credit limit was lowered for some unknown reason. I have not filed Debtors Court or Bankruptcy and the account has always been paid in a timely manner so now out of the blue they decide to lower my credit limit. This is a hit on my credit history because now it looks like I have maxed my credit out and it shows that I have little available credit. This is an unethical practice that I suspect is based on their customers race because I would be willing to bet they are not doing this practice across the board. This is a very discriminating practice that they should not be allowed, and I am asking that someone will look into this new practice that they have put in place.
Product: Credit card or prepaid card

I applied for a Venture Rewards Card with Capital One on XX/XX/19 ... I have excellent credit, above 800 according to my credit reports. Capital One promptly denied my application. I do not have any other cards with Capital One. Today, XX/XX/19, I received their stated reason for my credit denial - that I have too many cards opened within the last 24 months according to a XXXX Report. I then checked my XXXX report ( through XXXX XXXX ) and it only listed me as having 2 credit accounts listed as opened within the last 24 months. I then called Capital One for them to explain to me the reasons of the denial. They tried to tell me to contact the Credit agency - when I said I already reviewed my XXXX  report, they told me to contact all agencies. It seemed like they were trying to make up excuses for not approving the application. Then they said they were going to transfer me to a credit specialist and kept me on hold for 40 minutes and then hung up on me. I believe that Captial One targets people with lower credit scores so that they can make money on the accounts and doesn't want me as a customer because they are unlikely to exploit me due to my high credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681-2 : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; 15 U.S.C 1681 : ( c ) The term consumer means an individual.

( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

XXXX, XXXX, & Equifax have violated my rights to privacy and have shown a disregard for my credit file. I have never given written permission to have anything placed on my credit reports, such as UTILIZATION of Credit, and TRANSACTIONS published on my credit reports. 
15 U.S.C. Section 604 ( A ) ( 2 ) A consumer reporting agency can not Furnish an account without my written permission 15 U.S.C 1681 ( A ) ( 4 ) Here is a need to insure that Consumer Reporting Agencies Exercise their grave responsibilities with fairness, impartiality And a respect for the consumers rights to privacy.

In addition, it is also my understanding that Under the FCRA 15 U.S.C 1681 ( i ), every single one even each any or all the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirely or the alleged accounts are to be completely deleted
Product: Credit card or prepaid card

I have been a customer with CASH App for several years. I reserved a XXXX for my birthday event last night, XX/XX/24, at XXXX XXXX. I received an alert that my card was declined. So I tried again. No luck. I then logged into my CASH App account, and then I was made aware the account had been closed and the steps that I need to take to retrieve my funds. Meanwhile, my birthday event is going on and I was unable to attend. There was no way to contact anyone, other than clicking the Support button, which is only by email. I STILL have not heard from this company, and I have over {$2500.00} in that account. The app will not allow me to transfer, withdraw, or anything. I have XXXX small children, the holidays coming up, and no access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several disputes over and over again and every time I do they drop my credit score and make it worse
Product: Mortgage

I purchaed my home in XXXX. Since that time my lender has been Suntust Bank. Late XXXX I was notified, that Truist Bank would be taking over my mortgage account. Which was fine until XX/XX/XXXX when I received a letter from Truist stating that they would be changing the date of escrow analysis from XXXX to the month of closing. In my case that is XXXX. They also informed me in that letter that I would be responsible for paying any deficieny of the escrow account at that time. 
My escrow analysis is in XXXX, so of course there will be a shortage as now they are analyzing 8 months in advance. 
This is a way to make sure homeowners like me are forced to either come up with additional money or have their mortgage amount increase significantly due to the bank changing the rules to fit their needs. 
I called Truist two times and both times I was hung up on my the service representative and was told that the escrow department does not speak to customers.

I asked that I pay my taxes and insurance myself and they stated since I had an FHA loan this was not allowed and that I could refinance. AGAIN not an acceptable for financially beneficial decision to make.

The rep stated " I should have known the terms of my FHA loan when I bought the house '' I am fully aware of the terms! What was not in the terms is that if a financial institution takes over your loan that they can basically strongarm you into the rules they make up as they go.

This change will not only effect me, but I am sure thousands of other Suntrust customers. This seems like a great way for a bank to inflate a mortgage payment to an amount that a family has worked hard for will no longer be able to afford. Therefore leading to forclosure on a property the bank can now take over with a market vaule 10Xs what they bought the mortgage for. This is unacceptable.
Product: Credit reporting or other personal consumer reports

This is the second time that I am reaching out to XXXX XXXX and Experian about fixing my personal information because this information was an accurate it is affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX UNIVERSITY Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX Account # 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

One of the phone calls the guy got ignorant and loud. Then stated that they wil have to use force and escalade the situation.
Product: Student loan

I have been making as high of payments as I can on my Sallie Mae loans. Because I am not paying the full amount they are calling me multiple times a day, yesterday I received 5 calls. They are also sending emailed every single day of the week. I believe this would be considered harassment as I am making payments from every paycheck. I have replied to an email stating they can not continue to harass me regarding my loans as I am making payments. Please let me know if there is anything I can do to stop these phone calls.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

- XXXX XXXX XXXX XXXX XXXX XXXX il XXXX - XX/XX/XXXX I have recently been informed that there is negative information reported by XXXX XXXX XXXX In the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing as an active account and that the balance I owe is {$1000.00} reported XX/XX/XXXX. XXXX I challenge the accuracy, compliance and reportability of this account. 

Please validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature.In the absence of any such documentation Bearing my signature, I 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 this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your action, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX