23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX *XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681. 

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy. 

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions. 

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 reason to believe that the information is inaccurate. 

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.
Product: Credit reporting or other personal consumer reports

The delinquent accounts in my credit report is due to date breech, stolen identity, and or/fraudulent use, it has been extremely challenging to my personal finances, I can't do anything with these bad accounts heavily effecting my personal life, I'm reaching you to you guys for help, please help my case, thanks so much.
Product: Debt collection

XXXX XXXX unlawfully collected all money from my account on XX/XX/XXXX before resolution of the billing errors that they received. They were not supposed to collect until resolution of the billing error but no resolution was reached. They sent a letter on XX/XX/XXXX ( still after they collected and left my accounts with XXXX $ ) replying to me with nothing but statements so I then requested documentary evidence as defined in the XXXX and XXXXXXXX XXXX that they are required to follow. They never sent it. I have sent them a total of 4 notices and they are all the same responses. They sent an agreement without my signature, ( one that I can go online and print ), and statements. None of this proves a debt to be valid. They also unlawfully closed my account after receiving a legal notice of rescission of all past, present, and future security interest, proceeds from any insurance they applied to on my behalf, & the right to repo my car. They have taken adverse action against me, they are unlawfully reporting me late on my payments, even though they received 2 endorsed instruments for the obligation that they never returned even when I asked for them back, therefore lawfully they accepted them. I continue to receive generic responses instead of someone actually addressing the issue. They are also committing securities fraud because they are supposed to be nonprofit organizations yet they transfer their securities to XXXX which is registered under the SEC. They have also criminally mislabeled documents to hide evidence of them unlawfully collecting. I informed them of how they collected on XX/XX/XXXX unlawfully, thankfully I screenshot the proof first because that transaction no longer shows on my statements. The proceeds were never returned either. I attached the screenshot from today XX/XX/XXXX vs the older screenshot that shows them collecting XXXX $ on XX/XX/XXXX. They also collected over XXXX $ from my paycheck on XX/XX/XXXX.
Product: Credit card or prepaid card

Once again, this is following complaints XXXX and XXXX. 
Please CFPB : stop closing this case based solely on Chase answers, as they only care for their own interest. Otherwise, what is the point to complain to CFPB? 

Ever since I found out Chase had canceled my XXXX card on XX/XX/2020, I have been trying to get a professional and fair answer from them. So far, that has been impossible. Chase keeps sending letters and lately emails asking me to call different people and extensions, which are always answer machines. 

Chase has also repeatedly ignored my request to have a XXXX speaker Executive to handle my case. 

Still, I have managed to follow their confusing instructions, under a lot of stress. So, this week they rejected my request to reopen this card, which I have always paid ( and keep paying ) on time for more than 10 years, with more than the minimal amount. How come they took such decision without considering my card XXXX history, and giving me the chance to defense myself? 

They also have called me a " delinquent '', because I took a " Consolidated Debt '' program for OTHER credit cards, which is a total legal procedure. Chase knows it very well. 

To summarize, they are damaging my credit and reputation, and have discriminated me. I am a XXXX  XXXX and XXXX  XXXX. I see DISCRIMINATION in this case. It is unacceptable that a main bank in USA year 2020 does not have XXXX   speakers Executives for clients like me. Meanwhile, all the people with whom I have talked, have mispronounced my first and last names. They could not care less. I will spread the word. 

Who is responsible for the time wasted, the stress and the humiliations? 

This is unacceptable, disrespectful and outrageous. Again, this is about card XXXX. And I wont stop my fight because I know my rights.
Product: Credit card or prepaid card

I did a balance transfer from the credit card in question on XX/XX/XXXX and as of today XX/XX/XXXX the balance is still showing on my on-line profile and the credit card that I transferred the balance to is also showing a balance. As a result I owe double on my credit file and it has affected my score. Also, I ca n't call customer service to request to close the account. It must be done by mail. Therefore ; I did so on the same day of the balance transfer, but the card is still open.
Product: Credit reporting or other personal consumer reports

Resubmitting complaint number : ( XXXX ) submitted on XXXX - Violation of Timely Response Requirements Under FCRA and CFPB Standards Request for Deletion of Accounts Dear CFPB, I am writing in regards to the handling of my complaint, filed on XX/XX/year>, concerning inaccurate credit reporting by XXXX XXXX XXXX. Both the companys and CFPBs responses reflect violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) 's complaint handling guidelines. 1. Fair Credit Reporting Act ( FCRA ) Violations Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), a credit reporting agency ( CRA ) must investigate a dispute and report the results within 30 days of receiving the complaint. Extensions to 45 days are permissible only if additional information is provided by the consumer during the investigation. My dispute was submitted on XX/XX/year>, and as of XX/XX/year>, I have only been informed that the company is still working on my issue. This exceeds the XXXX period stipulated by the FCRA, making the company non-compliant with its obligation to promptly resolve or provide the results of the investigation. XXXX. CFPB Complaint Handling Process Violations The CFPBs policy requires companies to respond to complaints within 15 days. The companys response, as of XX/XX/year>, simply indicates that they are still working on the issue, with no final resolution. Allowing an additional XXXX period for a final response, as indicated by the CFPB, contradicts both the CFPBs timeframes for handling disputes and the FCRAs XXXX maximum timeline. XXXX. Request for Immediate Action Account Deletion, Not Closure In addition to the violations listed above, I am demanding the deletion of the inaccurate accounts from my credit report, not merely the closure of these accounts. It seems that XXXX has closed the account after my demand to have it deleted. Closing accounts, especially when they were never valid or authorized, does not fully resolve the damage caused. Deletion is necessary to ensure these incorrect records are permanently removed from my credit history. Summary of Requests : Immediate Conclusion of the Investigation : I request the company be directed to complete the investigation without further delay and provide a final response in compliance with the FCRAs XXXX requirement. Permanent Deletion of Accounts : I demand the complete deletion of the disputed accounts, not just closure, to fully resolve the inaccuracies. Response Within 5 Days : I require these actions to be completed within 5 days from the date of this communication to avoid further escalation. Escalation of My Complaint : The CFPB should enforce compliance with its own policies and federal law to prevent further delays. Thank you for your immediate attention to this matter. I expect the deletion of the inaccurate accounts and a final resolution within 5 days.
Product: Debt collection

I had XXXX XXXX, and terminated the service. I returned their equipment, and then got a statement from their company regarding the final bill. After the last was paid on XX/XX/XXXX in the amount of {$210.00} for the upcoming month I quickly cancelled and paid the last bill, I got a bill from XXXX in late XXXX that indicated I had a credit balance of {$180.00}. This was the last statement I had received. On XX/XX/XXXX, I received a notice from XXXX XXXX XXXX ( Phone Number ( XXXX ) XXXX that my XXXX account # I had been sent to collections in the amount of {$29.00}. Never was I informed by XXXX that there was an amount due. The last notice I had indicated I had a credit balance of {$180.00}. I was told by XXXX XXXX XXXX that they were a debt collection agency. In protection of my credit, I formally asked them to provide me copies of my credit report, and also told them I feel they are in violation of the Fair Credit Reporting Act. To protect my credit, I reluctantly paid them the {$29.00}, even though after I contacted XXXX, and they admitted I shouldn't have owed anything! This is a XXXX scam, and they are collecting debts without justification
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

on XX/XX/XXXX I sent in a goodwill request for an adjustment on 1 late payment from XXXX of XXXX. XXXX XXXX did not honor my request which is fine however they then falsely added on another late payment stating it was from XXXX of XXXX. I believe they did this out of spite because I have been requesting a goodwill adjustment for months. This is inaccurate and I have the credit reports to prove this was not on my report 1 month ago.
Product: Student loan

Fedloan Servicing Account # XXXX XXXX XXXX Loan 1 Loan Program : DIRECT SUB CONSOLIDATION LOAN Owner : U.S. DEPT OF ED Disbursement Date:XX/XX/XXXX Current Amount : {$11000.00} Loan 2 Loan Program : DIRECT UNSUB CONSOLIDATION LN Owner : U.S. DEPT OF ED Disbursement Date:XX/XX/XXXX Current Amount : {$3100.00} I am a XX/XX/XXXXwith the XXXX XXXXXX/XX/XXXX in XXXX XXXX , NJ . I was told by my loan service company that I qualified for the teacher loan forgiveness program and the public service loan forgiveness program as a XXXX  working with XXXX XXXX XXXX XXXX XXXX. After 5 years of working as a XXXX  XX/XX/XXXX, I was told by the service company that I could apply for the teacher loan forgiveness, and then after 5 more years of working, I could apply for the PSLF and have all my loans forgiven. I was advised to make my payments on time which I did. I followed their advice and after five years of working received XXXX in forgiveness from the teacher loan program. After 5 more years ( XX/XX/XXXX ) of working, I submit my PSLF application to certify employment and all my payments credited as I was told I would. After checking my account online and reviewing my payments, they had noted that I was in a payment plan that did not qualify and to add insult to injury that since I had received the XXXX in teacher loan forgiveness that those 5 years did not qualify. I now basically had no payments that qualify. This is beyond deceitful, malicious and I don't even know what else to call it. I was lied to and given inaccurate information. If I would have been accurately advised, I would have been enrolled in a payment plan that would qualify me for PSLF. Furthermore, I would have not applied for the teacher loan forgiveness plan if it would have only granted me XXXX of loan forgiveness and set me back 5 additional years of payments to reach the 10 years ' worth of payments to qualify for PSLF. I would have only applied for the PSLF forgiveness. I am sure they misinform student borrowers on purpose so that their loans are not forgiven and they can keep making money for servicing these loans. I tried to speak to a representative of the loan company to resolve this issue with no success. I don't want the teacher loan forgiveness XXXX initiative. They could add those XXXX back to my loan account. I am so disgusted by this process and malicious intentions.
Product: Debt collection

I tried to get credit- via a mortgage and was told that my XXXX  was reporting me as deceased. When I called XXXX to rectify the matter they told me I was reported as deceased via Synchrony Bank. I called Synchrony back explained that matter and wanted to know why they were reporting me as dead. I was able to verify who I was and when I tried to rectify the outstanding debt with them and was then told they will have to call me back. Shortly thereafter I received notice in the mail via a 1099-c form that they cancelled the debt and that I no longer owed them. I presumed this was due to their HUGE mistake. Fast forward I am trying to get approved for a loan again, this time I am being told that via XXXX  Synchrony bank says I owed them money. When I called Synchrony bank on XX/XX/19 they explained that I was dead again and then realized the mistake and said no you don't owe us any money we 1099-c you. 
I am asking for you help as me making calls to each provider is not getting me anywhere
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$11000.00}
Product: Debt collection

A company called " West Asset Management '' entered my phone number into an autodialer simply based on the similarity of my last name ( a common name ) to that of the debtor they were trying to locate. 

The autodialer voice prompts include an option to indicate that the debtor can not be reached at this number, but that prompt has been XXXX or is not functioning. 

When called back, an agent refused to identify himself or the company her represented. When called back again, an agent did identify their company, but refused to acknowledge they were a debt collector.
Product: Debt collection

I have been receiving calls threatening to send officers to my work or home, asking to speak to my supervisor so they can notify them of my situation, asking to speak to my supervisors so they can inform them they will be coming to the office to enforce legal action on me, and threatening arrest and lawsuits. I told them to stop calling my work and family and that I would meet them at my house to receive the papers they said were being served. I even gave them my home address and phone number, which I do n't think they wrote down. They eventually interrupted me when I was giving directions and said they know where it 's at. The calls stopped for a while. No one came to my house. I even took some time off work to meet them during the time frame they provided. 

My sister and mother have also received calls from someone claiming to be some sort of subpoena server and that he is trying to locate me because I 'm in a lot of trouble over a debt and that they need to find me to enforce legal action. 

Today I received a call at work on our main line that anyone can answer. It was from XXXX XXXX. He stated he had orders to serve me and would be coming by my place of employment to enforce legal action. He told me if I wanted to avoid this to call XXXX. 

I have received messages on my phone from XXXX XXXX ( and others who do n't leave a name ) w/ Summit Receivables XXXX stating I should have received a letter in the mail and to call them to avoid legal action. 

I do n't know where the original debt occurred. They ca n't tell me anything but the final bill/offer. They say they have none of that information because they 're not with the debtor company ; they are law enforcement. They are n't with the debt company, but they can transfer me to someone so that I can pay the bill in full and avoid legal action. 

I 've been scammed before and this feels like an effort to collect a debt that I 've already paid. I ca n't find anything on my credit report to verify this debt. This group has harassed me with legal action twice now and I want it to stop. I ca n't do anything to pay my debt if I 'm suspended for personal, disruptive calls.
Product: Credit reporting or other personal consumer reports

XXXX  VICTIMS LETTER TO CONSUMER REPORTING AGENCIES XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX RE : XXXX  Block Request Dear Sir or Madam XXXX XXXX XXXX XXXX XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that 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 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 Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX. 
Email : XXXX Enclosures : [ List what you are enclosing ] Proof of identity [ Each consumer reporting agency sets requirements for proof of identity. 
Examples that are likely to satisfy the requirements XXXX include : a copy of drivers license, other government-issued identification card, utility bill. If you are a representative assisting with this submission, then your proof of identity should be included too. ] XXXX  documentation [ Documents establishing that youre a XXXX XXXX XXXX  Examples of acceptable documents include : Documents from a federal, state, local, or tribal governmental entity ; Documents from a non-governmental organization or XXXX XXXX XXXX XXXX, including affiliated victim service providers authorized by a federal, state, local, or tribal governmental entity to identify victims of XXXX  ; Court documents with a determination that you are a XXXX XXXX XXXX XXXX  and/or A self-attestation that you are a victim signed or certified by a representative from a governmental entity, court, or authorized non-governmental organization oXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Planet home lending XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ph : XXXX XXXX XXXX my loan no. XXXX loan was transfered to this co ON XX/XX/2018 and modified, i started making payments on time from XXXX onwards but this co has put late 180 days on my all 3 credit bureaus while i never paid them late since, now after multiple reminders and they did agree to their mistake and are still not willing to remove the late that was caused due to their incompetence. 
i want the negative late of XX/XX/2018 to be removed completely. 

XXXX XXXX XXXX XXXX XXXX XXXX, nj XXXX
Product: Vehicle loan or lease

I entered into and completed a three-year lease with Acura financial services XXXX The payment payments were never late. My lease was in my name and was in good standing. Due to multiple technical issues with the car, it was in the shop 87 times during the XXXX lease and was a Lemon. At the end of the lease, I had no choice, but to hire an attorney to represent me in the Lemon Law case. The case is currently in court. I completed my lease. I paid off the residual at the end and returned the car to XXXX with no issues. XXXX XXXX later the lease information disappeared from my credit reports with no explanation. I called XXXX and asked for some information and they referred me to my attorney and said that they couldnt speak to me. My credit score dropped as a result of this and it damaged my credit score. Aside from the fact that the car was a Lemon and is in court, theres no other reason for them to have done this. Every payment was made on time no negative marks were on the account, and it was paid in full. It would seem as though it was done in spite.
Product: Credit reporting 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 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 and 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

Experian is not responding to any of my requests to investigate, verify and remove one account from my credit report that does not belong to me.