23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CRA failed to removed alleged debt. Requested debt verification with debt buyer on XXXX, they replied with stall letter and no proof this account belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The information being reported for this account is completely incorrect, so how could you have verified it? You claim to verified this information within your investigation. I am requesting copies of the documentation that your company reviewed in order to report the account as verified. I would like to know what steps were taken in order to ensure that you are reporting the most complete and accurate information available to the credit bureaus. How could you continue reporting this account when in the first place this has no name? Delete this now! 

Original creditor : XXXX Date opened XX/XX/2021 XXXX {$380.00}
Product: Vehicle loan or lease

On XX/XX/XXXX Well Fargo Dealer Services received a payoff on my white XXXX XXXX XXXX Wells Fargo has not taken this car off my credit report. I have been in touch with them and they promise to take it off, but they have not done so. This is affecting my credit tremendously and I want this taken care of asap. I would appreciate any help I can get with this matter. Thank you in advance.
Product: Consumer Loan

I have completed all payments toAlly Financial. I have called Allytwice to report that XXXX isstill reporting that my account is stillopen and owing XXXX It has beenover two months and this is still notchanged on my credit report. Allyagrees that the account is paid infull. I would like Ally to contactXXXX XXXX and report my accountas paid and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE BUREAUS add a collection on my credit reports. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. 
Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me the you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent or Agent of Service. 
Since you are still reporting this account on my credit report, you are now in violation of the FCPDA.I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit.
Product: Debt collection

Windham Professionals call my phone several times a day. Sometimes leaving a voicemail and sometimes not. I block their number with a call blocker and then they change the digits of their phone number by one number and repeat the practice. Called as early as XXXX XXXX  and as late a XXXX XXXX. 

yesterday called from ( XXXX ) XXXX at XXXX, XXXX, and XXXX    XXXX called from ( XXXX ) XXXX at XXXX and XXXX XXXX  XXXX called from ( XXXX ) XXXX also used number ( XXXX ) XXXXand ( XXXX ) XXXX to call me. 


The repeated calls are harrasment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act 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 or other personal consumer reports

I submitted a claim twice already asking the credit bureau to update or remove my the accounts listed below due to inaccuracies. Under 15 code 1681I, it states that items that have been disputed and come back inaccurate, I have a right as a consumer to have those items deleted. Please delete the following accounts :
Product: Checking or savings account

On XX/XX/XXXX, I received a notification from Bank of America that my savings account would be converted to a checking account due to more than six ( 6 ) transactions being processed against my savings account. See document attached. The letter indicated that this was a third notification, however, this is the first letter I received and the notifications and documents in my account do not reflect this as a pending action. The debits are automatically scheduled payments monthly. Had this information been conveyed, I would have been able to adjust my accounts- and deposits- accordingly. For further reference, I am a high-balance, Platinum-Preferred member since XXXX and the accounts have been open since XXXX ( first with XXXXXXXX  XXXX ). 
When I contacted Bank of America at XXXX on XXXX, after initially speaking with a first-line customer service representative from the XXXX XXXX, Rhode Island XXXX XXXX XXXX I was routed to the manager on duty who identified himself as XXXX. Upon explaining my situation he indicated that this was standard practice and happens often and was as a result of Regulation D from the Patriot Act and was outlined in the terms of the account when opened. When I indicated to him that the account was opened in XXXX and therefore what he communicated to me was incorrect due to the timing of the Patriot Act, he then returned to blaming Regulation D and indicated that there was nothing [ he ] could do and that once the process started, it would automatically convert. When I advised him that the Federal Reserve has indefinitely suspended the six transaction limit associated with Regulation D due to the COVID-19 pandemic and - consequently - the governing logic he provided to me was incorrect, he had no response. In fact, he then stated that Bank of America would be taking this action irrespective of the lack of receipt of prior notifications regarding this potential impact. I am extremely concerned regarding the lack of concern regarding providing appropriate notification- especially when I have both paper and electronic notifications turned on for this account. I am even further disturbed that this individual who reflects regional management and stated multiple times that he processes these actions frequently would fail to have basic knowledge regarding the governing regulations of the accounts and legally authorized changes to account management. The obfuscation was breathtaking and- when caught communicating incorrect information - the individual had no meaningful response.
Product: Debt collection

I'm really upset because they put the inaccurate account back on my credit report. They took it off before because it was wrong and inaccurate, but now it was included in my credit history again. This is clearly a violation. According to FCRA, If any info that got deleted from my report is put back in, the agency needs to let me know within 5 business days, either in writing or through any other way you've allowed them to. I never received any notice and I never authorized this agency to report on my consumer profile. 

I'm super worried because this bad information can mess up my finances. Having an accurate credit report is a big deal because it affects my ability to get loans, have good interest rates, and make important money choices. I know my rights as a customer under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, they should take off any wrong info from my credit report right away. But putting this item back on my report isn't fair or accurate. It's not right.
Product: Credit reporting or other personal consumer reports

I've spoken with the company about this, and my report hasn't been updated just yet on my credit report from Transunion it's still reporting late payments.
Product: Credit reporting or other personal consumer reports

TRANSUNION has given me an updated report. To my surprise, XXXX a XXXX account was verified with Transunion. Therefore I am requesting what method verification was used to verify the account. I have attached my letter sent to Transunion requesting for the documents and method. The account in questioning is XXXXXX/XX/XXXXacount XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681, section 604A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 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.
Product: Debt collection

I was repeatedly lied to about settling with this debt collector by its collection dept at stenger and stenger law firm debt dept. I called on XXXX XXXX and spoke with a representative and came to an agreement to settle this debt before my court date on the XXXX. I was told if I paid them 1350.00 on the XXXX of XXXX XXXX, that stenger and stenger would drop any actions moving forward with judgement. I repeatedly asked them if they would be able to make sure this was taken care of on their end and I would be safe from any judgements from this case. I was told 4x over on that phone call that I was released from any judgement and also that they messaged their paralegal who contacted the lawyer named XXXX XXXX of XXXX Indiana and the message was passed onto them and I was promised that they would drop any further actions and that they would make notes to leave extra messages for this lawyer to stop any actions against me for this upcoming judgement. I also asked for a letter stating this agreement be mailed to me expediated. I got neither. Instead, XXXX XXXX I got a letter stating the account that stenger and stenger was suing me for was paid and is on contingent on the clearance of payment I already made to them. Nothing about the agreement to stop pursuing the judgement against me for said account. I got another letter on the XXXX of this XXXX stating I have to sign a new document of a fake settlement offer that did n't take place, tyring to trick me into accepting that they filed judgement against me even though we already agreed that if I paid them 1350.00 on XXXX XXXX XXXX that they would not file against me in court and the judgement would be stopped on that very XXXX XXXX XXXX and I would not need to go to court on the XXXX since this was considered paid there would n't be a reason to show up at court. 
This new agreement they drew up states that upon signing, they would file documentation with the courts to close the file. I also have screen shots of my paypal account showing I paid them on the XXXX of XXXX XXXX. This is in violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you. Please note, if I am refunded my pay pal card name was not updated to my maiden name ( recently divorced ) Name on card that was submitted to Stenger and Stenger was XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries on my EXPERIAN I did not do these. I believe someone has accessed my credit please delete and remove the unauthorized Inquiries. 

XXXX. XXXX XXXX XXXX date XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TU 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

As parent in a middle class family our children do not qualify for state or federal grants instead we had to take loans to pay for college " Parent Plus Loans ''. As a holder of parent plus loan the repayment fall to us as parent instead of to our children who actually got the degree. Because I am not employed in XXXX field where my son 's degree in XXXX is employed neither he or I can apply for assistance in repayment or forgiveness from employer or income based repayment on his income as the new college graduate. I also can not take advantage of IBR because both my husband and my income are combined to determine repayment amount and our son is no longer in the house which makes our household smaller. As parents we wanted to help our children access a good education and support his drive to get an education but instead our retirement planning and finances will be impacted for 20-25 years to come repaying our sons debt. Parent Plus Loans should be able to release parent cosigners and allow graduates to take over repayment of loan and take advantage of IBR or other financing options.
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 by reporting its fraudulent, identity theft, debt buying account to Experian, and XXXX credit bureaus in an effort, to knowing collect a debt it is not owed. I have no open accounts with XXXX, nor have I ever done business with XXXX. I have disputed this fraudulent identity theft account before in an effort too permanently remove it from my credit bureau reports. When I dispute it is removed and then put back on my credit reports again. I have requested a copy of the original credit application with my signature in which I opened any such account and I have not been provided the credit application with my signature and/or a response to my request for said credit application. 

XXXX XXXX XXXX, has violated my rights under these codes : 15 U.S. Code 1681 ( a ) ( b ) - Congressional findings and statement of purpose 15 U.S. Code 1692e - False or misleading representations A debt collector may use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

XXXX XXXX XXXX, has violated my rights by continuously reporting an inaccurate collection account to credit bureaus. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate
Product: Debt collection

Ive been receiving multiple calls from the collections company Transworld Systems Incorporated, I spoke with what Im assuming is my account manager XXXX  todayXX/XX/2020 at XXXX XXXX and advised her I will call her tomorrow with a payment. I then received another call from XXXX  at XXXX XXXX and another call at XXXX XXXX. I should not be receiving anymore calls in the same day, only 2 hours after speaking with someone and advising I will make a payment.

I am called at least 5 times a day and at this point its excessive and seems to be just for annoyance.
Product: Debt collection

Company has ignored documents pertaining to my letters requesting proof of their assertions I was going to imminently be arrested for my unpaid debt. They told me they were working with government agency and they discovered I had hidden assets. That isnt true but upon looking into it. There no agency that will come arrest me for running from XXXX in credit card debt that came as a result of identity theft. Theyre illegal tactics have gotten scary
Product: Checking or savings account

Chime has frozen my account and is refusing to accept the documents I sent now requesting bank statements which I can't access because they were my only banking account and it's frozen, I have over 8000 in that account and no access to it also my social security check is deposited in that account
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid account in full to Medicredit when they called and asked me to pay, they told me they would submit it to the credit bureau to be showed as paid within a month. It has now been 5 months ( I paid it in XXXX ) and they have yet to report it as paid. They are ruining my credit and ability to refinance my house. I believe I have given them ample time to correct it and they still have not fixed it.
Product: Student loan

Aidvantage/Dept of Education has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false " late payments '' to my credit report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 169 ( d ) ( 6 ), has negatively affeced my ability to extend credit and operate in commerce.Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I'm aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave respnsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by AIDVANTAGE/DEPT of Education before furnishing it.This shows that the consumer reporting agencies have shown bias toward me because i never gave my lawful authority for any consumer reporting agency or AIDVANTAGE/DEPT of Education to furnish any `` late payments '' to my consumer report. It is my belief that due to AIDVANTAGE/DEPT of Education business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ) XXXX they parrot any information given to them as a means of coering consumers to pay extra fees for debts that they allegedly owe. 

Late Payments XXXX XXXX, XXXX, XX/XX/XXXX XXXX I sent certified letter to AIDVANTAGE/DEPT OF EDUCATION XX/XX/XXXX they responded back on XX/XX/XXXX with a document saying they would not remove late payments.
Product: Checking or savings account

On yesterday XXXX XXXX I received a wire from a family member in the amount of {$6000.00}. I transferred {$4300.00} to another account of mine because I needed to make a big purchase. The transfer was declined and I was sent a text message asking if I had made the purchase and I replied yes and was told to try the transaction again. It went through. I then get an email stating that my account was restricted and have not been given any reason as to why. I provided them all of the information they asked for and was told my account is unrestricted. But it is not and now when I call I am being told that its no guarantee that anyone would give me a call back from their internal department and they cant provide me any more information as to why I can not access my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Method of Verification Request To Whom It May Concern : I was NEVER LATE ON THESE ACCOUNTS XXXX  XXXX XXXX : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. 
Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the  accuracy and completeness of the information shall be provide to the customer by the agency, including the business name and telephone number of the furnisher. 

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy of the completeness of the information. 

Name, address, and telephone numbers of each person contacted regarding this alleged account was late. 

Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

The item in question is inaccurate and represent a very serious reporting error. I expect a to receive RESPONSE IN 15 DAYS of receipt of this letter in compliance with the FCRA. If not, I expect these late payments to be corrected in my credit files. 

Please make sure to provide Method of Verification and process used with documentation.