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 number:XXXX Account name : XXXX XXXX Account number:XXXX 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, credit repair services, or other personal consumer reports

I believe the 30 day late payment marker on my credit report by Roundpoint should be removed. XXXX made an error where they stopped my auto pay, never notified me that auto pay had stopped, allowed a missed payment to happen, did not send out my statement on time, and never contacted me regarding the missed payment. 

I have had auto pay set up with my roundpoint mortgage from the XXXX time I started payment. Sometime between XXXX XXXX and XXXX XXXX the auto payment stopped. I did not realized it had ended and thus missed a payment. There was never any communication from roundpoint that my autopay had stopped and a payment was not made. No phone call, email, or letter. I did not notice the missed payment until I received my follow on bill. In the attached statement you can see where the statement was sent 1 day prior to the payment being due. 

Once I realized the payment had been missed I immediately paid both the missed and current statements. I also reenrolled in auto pay. No reason was ever given as to why auto pay stopped or why the statement was late. 

I find it disingenuous that roundpoint has dinged my credit even though I have never missed a payment and was relying on their auto payment system. Further I was told it was my responsibility to check my statements but even in that case roundpoint did not get my statement out to me on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX account for months. XXXX  and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

2017 I opened 3 Amex cards that were all paid off on time in full and Amex stopped reporting the trade lines to all credit reporting agencies.
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 confidentially under 15 USC 1681. 

Dept of Ed/XXXX Account XXXX HAS VIOLATED MY RIGHTS. 

Dept of EdXXXX Account XXXX HAS VIOLATED MY RIGHTS. 

Dept of EdXXXXXXXX  Account XXXX HAS VIOLATED MY RIGHTS. 

Dept of EdXXXXXXXX Account XXXX HAS VIOLATED MY RIGHTS. 

Preferred Lease Account # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C section 602 A. States i have the right to privacy.

15 U.S.C section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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: Debt collection

I've contacted this Collection Agency 3 times now and have not had a response back. I've waited the recommended time ( 30 days ) per letter and I've sent every letter Certified Mail with no response back from them. I'd like to get this debt they say I owe, validated to ensure this is my debt and they have not provided the original signed document with my signature on it as proof of debt. 

I have contacted the 3 credit bureaus ( XXXX, XXXX, & XXXX ) and they have stated that they were able to validate and verify this debt by the collection agency but did not state HOW it was validated and I would like the proof of my owing this debt because otherwise it is hurting my ability to purchase a house and enjoy a life of good credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I never authorized any transactions or any account to be reported on my credit file. 
According to the Fair Credit Reporting Act, legally these unauthorized items must be removed and immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have reached out to XXXX XXXX several times to understand the calculation that created my monthly payment. I have completed several calculations myself to understand where my monthly payment comes from, as well as checked my math with professionals. No one is able to determine the same monthly payment that XXXX provided me for my XXXX loan. XXXX XXXX will only provide loan document information and an amortization plan to me, without explaining how my monthly payment came to be. I feel as though my loan is being charged incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit score of 815 or better. A charge to a forgotten XXXX credit card was never billed for 3 months. My husband found the charge while making payments on another account. We were never notified about the original charge of {$10.00}, that ballooned to {$23.00} in 3 months. The charges were eventually dropped with XXXX, but the damage is done with my credit. 
I now have a XXXX score. That is not fair. I've worked very hard to maintain any and all of my accounts.
Product: Credit reporting or other personal consumer reports

I am formally disputing the accounts refleted on my credit file, which were added without my consent. pursuant to section 604 of FAIR CREDIT REPORTING act 15 U.S.C 1681b, there are specific permissible purposes required to report an account on my credit file. I did not authorize theses accounts and I do not find any permissible purpose under this section that justifies their presence on my report. PLEASE DELETE ACCOUNTS XXXX XXXXXXXX ACCOUNTS NUMBER XXXX AND XXXX ACCOUNT NUMBER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent account from TD Bank account number XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a 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 any purpose. I would like the late payment reported to the credit buraus to be changed to paid as agreed on time.
Product: Checking or savings account

I have a personal checking account at Wells Fargo. 
I am not able to access my statements for these eight months : XX/XX/XXXX though XX/XX/XXXX. I have asked for them several times at my local branch. I believe that money has been taken from my account without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

Beginning in XX/XX/2018 I requested validation of debt showing on my credit report from Calvary Portfolio Services ( see attach letter. ) I never received any validation of the debt from this collection ageny but it continues to report to my credit report which is a violation of the Fair Debt Collections Practices Act. I have written to Calvary three times subsequent to my first letter and they continue to ignore my requests to prove up the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 an account without my written instructions.

15 u.s.c 1681c ( a ) ( 5 ) Section states : no 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 thw report by mre than seven years.

15U.s.c 1681s-2 ( A0 ( 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

On XX/XX/year> I sent a certified debt validation letter to Mobiloans with a return receipt and on XX/XX/year> I received a letter stating that Mobiloans did not have to validate the debt. Additionally, the letter that was provided had inconsistent information and dates.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX % XXXX XXXX XXXX XXXX Amount : {$82.00} Opened : XX/XX/year> Re : Fraud/Aggravated Identity Theft I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you, XXXX XXXX XXXX XXXX XXXX attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733.

XXXX XXXX Corporation is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you XXXX XXXX XXXX, is furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. 

This is a notice to CEASE and DESIST of illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX XXXX for the accounts opened XX/XX/year>. 

Failure to remove account in XXXX  days from my consumer report as requested will result in legal matters being taken and me turning you, XXXX XXXX XXXX, into the ( FTC XXXX Federal Trade Commission for aggravated identity theft and Fraud. 

If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply. 

Warm Regards, XXXX XXXX XXXX Without Prejudice All Natural Rights Reserved
Product: Debt collection

I am writing to formally complain about and dispute the accounts that NCB Management has reported to my consumer report. These accounts are the result of identity theft and should be immediately removed from my credit report. 
I have recently discovered that I am a victim of identity theft. The accounts you are reporting under my name were fraudulently opened by someone else using my personal information without my knowledge or consent. 
To support my claim, I am enclosing the following documents : An Identity Theft Affidavit A copy of the police report filed regarding this identity theft
Product: Money transfer, virtual currency, or money service

So I have used cashapp for nearly 7 years now and have never ever had any issue with them until 6 months ago. They started frauding and canceling all my payments out or in out of no where. 1 month ago cashapp emailed me saying they are permanently banning my cashapp for breaking there TOS, and when I asked for proof or to appeal my ban they said I did not qualify to appeal. I have done nothing wrong at all. This was completely unfair and I have never had a charge back or fraud claimed against me, but out of no where they closed my account and told me to deal with it. I cant use any cashapp ever again and that is unfair. I did nothing wrong
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reports. Unfair credit reporting can also shake people 's trust in the system. 
So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. 
These accounts are not related to any transactions made by me, the
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an identity theft notice from the IRS. Of the 3 reporting bureaus, Equifax has by far been the worst one deal with to try and place a security freeze on my credit report. I was able to complete my freeze requests online within minutes for both XXXX and XXXX, but Equifax ( which incidentally also breached all my data! ) has been a complete headache. I've had to call 4 different times to try and get access to freeze my account. My online account credentials won't work due to some sort of system issue on their side, and when i call to try get help, they send me through a useless password reset loop that doesn't resolve the problem. I was finally able to get the freeze set on the phone after multiple tries, but I anticipate another battle with their 'customer care ' team when I need to unfreeze my report at some point in the future since I can't get into my own account on their website, and no one seems to be able to help me. Horrible experience with their customer care team, especially since they should technically be better than all the rest now from a systems perspective after losing all my data!
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act THESE Accounts have violated my rights. 
XXXX ( ALL XXXX ACCOUNTS ) ... .... 

XXXX XXXX ( ALL XXXX accounts )... 

XXXX  XXXX... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX15 USC 1681 Section 602a states I have the right to privacy.

*15 USC 1681 Section 604a Section 2 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

in accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX  XXXX XXXX- # XXXX XXXXXXXX XXXX XXXX - # 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 15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I DID NOT GIVE TRANSUNION, XXXX, XXXX WRITTEN INSTRUCTION
Product: Credit reporting, credit repair services, or other personal consumer reports

1. credit inquires This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where you organization has made inquiries into my credit history, to have you illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquires removed. 

2. credit report The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Product: Credit reporting or other personal consumer reports

The car was in accident and totaled out and we paid the balance and they told us that they would make sure our credit shows current and yet it still states we are delinquent and were late on a payment and we were not late we were told everything was fine and they were going to fix this issue so our credit isnt effected and now it shows 30 days late on both my daughter and mines credit please help us get it fixed we have disputed multiple times now this is not fair they received $ for a car we only had 3 months
Product: Checking or savings account

On XX/XX/XXXX, they texted me a prompt to confirm a transaction ( of {$700.00} ), then instructed me to attempt the payment again, and misled me to believe that said transaction had been declined- only for it to have gone through in the first place. I did what they asked of me and immediately canceled the first transaction ( after confirming w/ them via text ), not realizing that it had actually gone through, thus causing any subsequent attempts to fail due to my now over-drafted account. I am now late on rent and getting charged {$80.00} per day of being late. This situation has compromised me in more ways than XXXX and Discovers only response ( on XX/XX/XXXX ) was that they have no control over those automated texts. They also stated that my funds would be back today ( XX/XX/XXXX ) and it is now XXXX XXXX XXXX and I have yet to see anything in my account.
Product: Debt collection

This company has continued to change its name many times across the 3 major credit bureaus. They refuse to send me any information. I have attached the last letter sent to them dated XX/XX/2020. I have sent a certified letter to them every month since XXXX. They have continued to ignore my letters and have refused to send me any correspondence. They never sent a debt letter so that I could have the opportunity to dispute the debt. They only ignore all of my correspondences. They change their name from LVNV to Resurgent but list the same address. I have also sent letters to credit bureaus and they keep validating the debt even though I receive nothing from this agency.
Product: Credit reporting or other personal consumer reports

XXXX consumer account number XXXX XXXX this company has violated my rights per fcra This account was involved in litigation I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt exists Also this account does not belong to me address place of residence never lived there.