23daVinci/CFPB_Complaints huggingface dataset:
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 state a conumer 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 XXXX XXXX XXXX account number # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act Reporting act XXXX  : Self Financial, Inc XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX Account ( s ) # XXXX and XXXX XXXX XXXX # 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 an 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: Mortgage

On  XXXX   XXXX ,  2017  I was  discharged  from a  Chapter  #  XXXX  Bankruptcy. On  XXXX   XXXX ,  2017  I received a letter from the Attorneys of my Mortgage Company, the letter was accusing me of violated  # 1322 ( b ) ( 5 ) of the Bankruptcy Code. The creditor states that I missed two mortgage paym ents.   This is not true, and this is not the first time this particular company has given us problems.   I am a  XXXX  veteran who suffers from  XXXX , I do not need anymore  XXXX  in my life. My family and I work very hard to pay our bills, and stay above water. I did not miss a Chapter #  XXXX  payment or a mortgage payment.   We do not have the money nor experience to battle with the lawyers and mortgage company.     Please Help.
Product: Credit reporting or other personal consumer reports

I received an alert in my CapitalOne mobile app from XXXX, informing me of a recent inquiry on my account by 'CB INDIGO Bank XXXX on XX/XX/year>. Since I didnt apply for any financial services or credit cards, nor have I ever heard of CB INDIGO Bank , I called XXXX XXXX XX/XX/year>, to report the issue. 

The XXXX representative informed me they would start a dispute with CB INDIGO Bank and remove the inquiry from my credit report. However, I havent received any updates regarding my case, so I called XXXX again today ( XX/XX/year> ) to ask for an update. 

I was told I should have submitted a report through the Federal Trade Commission, which I am now attempting to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2021, The LENDING CLUB reported me as having a LATE payment. I was on a deferred status due to covid-19 and there was a lot of confusion on the terms of this deferred status. I contact LENDING CLUB and inquired about why they reported me as late. I was told by a representative that there should not have been a late payment reported to the credit bureau as ALL MY PREVIOUS PAYMENTS have been on time and reported on time as it should be. This was supposed to have been 'escalated ' and a manager call me back or email me. No one has responded. I reached out to LENDING CLUB again today XX/XX/2021 and a representative said the problem was resolved and they will NOT be removing the error to my credit report. NO ONE REACHED OUT TO ME. I asked for a re-review of this and I am requesting this negative mark be removed IMMEDIATELY FROM MY CREDIT REPORT! This has impacted my life negatively and also any prospect of me securing a loan to move. The CARES act was not followed accordingly by LENDING CLUB and i want an investigation to be opened on my behalf. LENDING CLUB is not following regulatory and compliance guidelines. I am requesting resolution and my credit report to reflect my payments have all been timely. Please remove this negative reporting from my credit immediately. I have paid all payments ON TIME EVEN ALL THE DEFERRED PAYMENTS LENDING CLUB HAS REQUESTED I PAY UPFRONT. I now believe I have been discriminated against as a woman and a woman of XXXX  background. I am also a woman of a small minority owned business and I have been affected by the covid-19 pandemic to which this has cause great physical, emotional and economic suffering to me and my family. LENDING CLUB has violated the law and this needs to be corrected immediately.
Product: Debt collection

XXXX XXXX with TruAccord from is sending repeated emails in an attempt to collect a debt I do not owe to him. The dates of the emails are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The amount they are attempting to obtain are {$650.00}.
Product: Checking or savings account

I have been a long time customer of capital one and maintain a large portion of my savings there. Rather than increase the interest rate on their existing savings account they created a new product with a very similar name and applied a higher rate of interest to it. Existing savings account holders are thinking they are receiving this higher rate as the name of the new product is very similar and why wouldn't be receiving the higher interest rate? Rates have certainly been going up over the last year. Capital one 's only objective in creating this product was to dupe existing account holders into receiving a non-market rate of interest. 
Why not just offer the higher rate on the existing account? BECAUSE they are ripping off existing customers by paying them a low rate of interest.
Product: Credit card

I utilize my card to make a purchase for a resort in XXXX. Once I arrived in XXXX the resort credit offered in my reservation was not honored by the hotel instead a coupon for the hotel was offered. I disputed {$650.00} with Capital One and provided proof of the reservation but no action was taken.
Product: Mortgage

First Tennessee Bank had this account charged off, closed, void and released back in 2012, however they continue to report this account as BALANCE DUE AND PAST DUE account on my credit report.. which is damaging my credit ratings and has been causing me a lot of financial distressed. I find this to be a violation of my consumer rights when the bank states they charged off this account, no longer want to collect on it however keep reporting it on my credit report EVERY MONTH as a closed account with past due balance. I have been trying to resolve this issue with them for 4 months now, was told to submit a request in writing which I did 4 times now ( see attached ). They claim NOT to have received my letters and NOW they are ATTEMPTING TO COLLECT DEBT ON THIS ACCOUNT BUT CALLING ME NON STOP AT ODD HOURS OF THE DAY ... .PLEASE HELP
Product: Debt collection

XX/XX/2107. The amount is {$210.00}. A company called me saying that I have a debt from XXXX XXXX which I dont. I cancelled it because I moved to another city because the city i moved to didnt have a XXXX XXXX. I even paid them to cancel my membership.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

On XX/XX/19 I showed I had a balance of $ XXXX I transferred {$210.00} to my personal checking account. Left me with a balance of $ XXXX. First thing Friday XX/XX/19 I got an alert my account was negative. Checked it. I had been charged a {$35.00} overdraft fee. I called and the rep could not give me an explanation as to why my account was now negative by {$2.00} when at XXXX before I went to bed it had $ XXXX. There are 2 transactions still processing but not finalized, but those where still processing yesterday XX/XX/19 as well. If my account was negative XX/XX/19 I wouldnt have been able to transfer over money at XXXX. I never saw my account negative so I never had a chance to make it positive to avoid the fee. This is sketchy and borderline fraud if they wait til XXXX to left my account go negative and then charge me a fee for something out of my control.
Product: Debt collection

I received a phone called today from a representative for XXXX   XXXX concerning my past due credit cards. They left a message stating I will sued if I don't contact them by a certain time and that they will take any and legal actions against as possible. My credit card balances are not over {$500.00} and to be getting threatening messages stating they will be sue me ( which was left on my voicemail by some with a name of XXXX ) is just ridiculous
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 : XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX 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 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 have disputed an account on my XXXX, XXXX and Transunion report since XX/XX/XXXX. Every time the credot bureus have sent back a dispute results letter stating that the account is valid, I want to know how an account that has been aged since the year XXXX is still reporting on my credit report going into XXXX, this account is past the timely statute of debt collection of 7 years per the Fair Credit Reporting Act, I looked it up and this company is violatiing my rights and my credit report so I want XXXX, XXXX  and Transunion to delete this account immediately because it is incorrect and inaccurate information that is reporting and the credit bureaus lied about verification because nothig has been sent to me as proof that this account has even been validated, I want it removed immediately please. 
Company Name : XXXX XXXX XXXX XXXX Account # XXXX There is another account that is reporting inaccurately as well and is past the time of debt collection limitations. The statute of limitations on debt in Texas is four years. This section of the law, introduced in XXXX, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. This company should not even be reporting on my credit as well, so I want it removed from XXXX, XXXX  and Transunion as well or I will have to take this creditor to court. 
Company Name : XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$32000.00}, {$5400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am attaching my report I am not thrilled about how XXXX Transunion and XXXX have attacked me they need to update and fix info that is not accurate on my report Im attaching that info there is accounts on my credit that are over 7 years old that need to come off Im not allowing the bureaus to ruin my score with false info any longer Im also contacting department of justice and XXXX XXXX is a fraudulent account that needs to come off
Product: Debt collection

Credit Control LLC has sent me a collection letter for a debt that I do not owe. It even says on the letter that the age of the debt makes it non suable and not reported to the credit agencies. The issue is that it has been reported to the credit agencies and I do not owe this debt. 

My identity was stolen years ago and I have worked hard to have excellent credit. I do not want this on my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 fumnish a account without my written instructions 15 U.S.C 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 appfollio reported a dismissed felony charge on my rental application under my criminal records convictions, ultimately getting my rental application denied by honspartners. I have no felonys and have never been convicted of a felony. Appfollio presented them with false information claiming I have a felony on my record when the case was dismissed resulting in no felony conviction. I have written a dispute with appfollio asking. Them to remove that from my tenant screening report as the management company is looking for felony convictions not dismissals.
Product: Debt collection

On XX/XX/XXXX, i was notified on this site that LVNV uploaded a statement that did not verify the debt they insinuated that I owed. I have called their company and submitted letters in writing demanding the contract I in fact had with their institution and as of today, have not had any proof stating the contract they have for me and the {$800.00} amount Per 31 U.S. Code 3123 ( b ), 50 U.S. Code 4331, Public Law 73-10/HJR192 of 1933, 18 U.S. Code 1341 use of mail, along with 45 CFR 30.2.

In closing I am holding LVNV accountable of not providing your organization proof of said debt with my wet signature and NO collection agency shall assume a debt on my behalf without proving and providing said wet signature contracts. And even still knowing they have no wet signature contract with MY information, under 15 U.S. Code 1681 ( b ), and lastly, 15 U.S. Code 1611
Product: Payday loan, title loan, or personal loan

I noticed the issue in XXXX when I was attempting to make a purchase with XXXX. I chose pay with Affirm and Was redirected to enter my account telephone number. I do so and was then directed to in my income information. Upon hitting submit the corresponding page told me to return to XXXX and choose a different form of payment. About two days later I received an email from Affirm stating that they could not approve me because I did not provide all the information requested. Their process did not ask me for any additional information nor did he give me a phone number to call and understand their decision. That is when I initially made contact with affirm and explained the above. It was then that they verified my information and approved the transaction. 

Assuming because I already have a installment loan I attempted to make an additional two purchases on XX/XX/22 and XX/XX/22. On XX/XX/22 I did not receive any indication that theapplication was pending, just choose a different form of payment. On XX/XX/22 I received and email after a purchase attempt stating you did not provide the requested information. No information was requested And that is when I contacted customer service and explained this and that is when they provided me with a phone number to call to verify my application. 

My credit file has a fraud alert with a contact number. Even if this company does not call the number they should still provide the consumer with a number to call to confirm their identity. If the step is missed, a number of applications can be submitted under the consumer without them even attempting to prevent fraud and the consumer only receives notification that we didnt provide information. 

I believe Affirm is violating consumer rights to fair credit decisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, ADDRESS XXXXXXXX XXXX XXXX  XXXX XXXX, FLORIDA XXXXXXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX, XXXX INQUIRY DATE XX/XX/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'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled.
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

Heres the list of the questionable items : XXXX XXXXXXXX XXXX  - Account Number:XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX XXXX XXXX/XXXX   XXXX account for months. XXXX and XXXX have reversed them but Experian 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

I have repeatedly tried to have inaccurate information removed from my credit file. US Auto Finance has repeatedly ignored my dispute of information being furnished to XXXX, XXXX, and XXXX. The three credit reporting agencies have all continued to report information that is inaccurate. The first dispute of inaccurate information was filled on XX/XX/2022. I received no response. I resubmitted in XXXXXXXX XXXX XXXX  but still got no response. I don't know what else to do besides ask for CFPB to help resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to the CFPB closing my complaint on XXXX, regarding incorrect addresses on my credit report - the CFPB stated We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. In your complaint you indicate that there are incorrect items listed on your credit report. You are requesting these items be removed. Regarding two addresses, according to our records, the disputed information does not appear on your current Experian credit report. We are in the process of mailing a report to you for review and confirmation. However I have pulled my credit report on XX/XX/2022, 2 days after the CFPB closed the compliant and on the attached Experian credit report both of the erroneous addresses still exist. So either the CFPB did not adequately review my credit report, the CFPB did not actually review my credit report, or Experian gave an erroneous credit report.
Product: Credit card

I sent a letter to the company explaining that I was a victim of domestic abuse in XXXX, which forced me to take on debt in my name. Before this, I always paid on time and had no late payments. I asked if the company could help by waiving the balance that wasnt truly my responsibility and fixing the credit reporting for the account. I have not heard anything back from the company.