23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

i received a call from some Keynote consulting ( XXXX ) few days. they were talking about some debt of XXXX XXXX or XXXX who seems to be in XXXX XXXX IL and i have seen this doctor in XX/XX/XXXX, what? Since XXXX XX/XX/XXXX on wards I am living in XXXX XXXX XXXX. 
Yes I had lived in XXXX XXXX during XX/XX/XXXX to XX/XX/XXXX in XXXX XXXXXXXX XXXX and there is a possibility of myself seeing this doctor. But i don't remember something so far back. 
Today they ( Keynote consulting from XXXX ) called me back once again. They are very rude people and constantly threat that they will XXXX up my credit report. They were telling me that they had sent the bill to my old address XXXX XXXX XXXX XXXX XXXX XXXX XXXX but i don't live there since XX/XX/XXXX. When i requested them to send the bill to my current address they were not ready. Later when i called back again, they gave me hard time. Later supervisor told me that she will send it to me but credit agencies will be updated also. When i asked for details - the date of service seems to be totally wrong. I had insurance at that time and i have no idea why insurance should not be covering it? Moreover if insurance is not covering something, the doctor 's office should simply tell the patient and let the patient decide what they want to do?
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Bank Credit Card Account was removed from my XXXX  report. However, it 's still showing up on XXXX and XXXX. This is not my account, and it seems like XXXX has proven this.
Product: Debt collection

On XX/XX/2020 I sent a letter to Plusfour asking for validation of debt. They sent me a print out of my name and the balance that I owed and black out majority of this small print out. No validity to this letter or validation of debt owed. I live in NC and this debt is from Nevada. I do not recall any of these services rendered. I also call this company and the gentleman I spoke with said they didn't have the license for NC to collect. I don't understand but yet they put this on my credit report and now I can't get them to remove it. I haven't received proof of debt.
Product: Credit reporting or other personal consumer reports

SPRING OAK CAP Stated they have a right to report this debt and that is not true. They were not a party to the original agreement and have no authority to try and extort money from me because they made a decision to purchase the contract. Furthermore the contract acts as a security and I can enforce my rights as the true holder in due course. This is my last warning to Spring Oak Capital to remove this information from my credit report and stay out of my private affairs before you are sued for securities fraud and extortion.
Product: Debt collection

They continue to misdial phone numbers at my work and talking to my coworkers about the call. They call my wife ego has to step out of her classroom and now my mother who is ill. I told them to contact me in writing.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Zelle due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Zelle failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres for these violations. 
I want the CFPB to publish.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is incorrectly reporting deferment status for my student loan. I am in an 8-year XXXX   program at an accredited university with automatic deferment ; however, Navient is reporting that my deferment is only until XX/XX/2019. Not sure why Navient chose not to correctly report my deferment period. I have applied for credit, and the creditor is reporting that my student loan with Navient is due at the end of XX/XX/2019 and not in deferment.
Product: Credit reporting or other personal consumer reports

This is my second attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX. 
Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

The merchant : WELLS FARGO CARD SERVICE XXXX This account was an account I held jointly with my former wife, XXXX XXXX XXXX XXXX who is now deceased. She was responsible for maintaining this account for use with her small business. This account should not be on my credit report and I should not be held accountable for the delay in payment. During this time, XXXX XXXX fought XXXX XXXX until her demise on XX/XX/2019 and had difficulty keeping up with tasks such as paying bills and tending to her business.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are Inquiries on my 3 credit bureaus that were never authorized done in XXXX of 2021 in relation to car loans that I never gave any sort of formal nor written authorization to have done. 
All 3 bureaus have been disputed through but yet none of them will remove these fraudulent inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the account listed below violated my federally protected consumer rights to privacy and confidentiality under15USC1681. 

Account name and # XXXX XXXX XXXX Account name and # XXXX XXXX XXXX XXXX Account name and # XXXXXXXX XXXX/ XXXX XXXX Account name and # XXXX XXXX XXXX Account name and # XXXX XXXX XXXX Account name and # XXXX  XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 6018 A. states I have the righttoprivacy 15 USC 1681 section A section 2 also states a consumer reporting agency can not furnish an account without my writteninstructions.

15 USC 1681 ( a ) ( 5 ) sections state : 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 thansevenyears 15 USC 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 informationisinaccurate
Product: Debt collection

This communication is a follow-up in regards to closed complaint XXXX Portfolio Recovery Associates, LLC is in clear are violating federal laws against my person and natural person and of the FDCPA Laws. From their previous response to my original complaint, there is a clear admission of guilt. The Affidavit of Truth, debt validation form/letters, and correspondence, as well as exhibits, have all been ignored. Portfolio Recovery Associates, LLC responded by sending a letter with absolutely no information and did not include the requested information from any of the correspondence sent out with certified mail validation. This included NO notarized under penalty of perjury Affidavit of Truth responding to my Affidavit of Truth line by line signed by the CEO, CFO, or any superior of Portfolio Recovery Associates, LLC, NO completion of the debt validation form, I have yet to receive validation on behalf of the account with any contract bearing my signature stating I would be responsible to pay any debt to Portfolio Recovery Associates, LLC, LLC or any company that they represent and whom I have no contract with for an alleged debt I do not owe. Instead, I have received numerous debt collection attempts and itemized report statements as " proof '' that said debt has been validated from the " original creditor '' XXXX and which per FCRA/FDCPA does not constitute verification. Please note that on XX/XX/2019 the CFPB released its Fair Debt Collection Practices Act Annual Report and it stated the following : The Bureau notes that one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights. Specifically, the Bureau calls out the practice where debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to the consumers. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT ( meaning the collection agency ) obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities.
Product: Credit reporting or other personal consumer reports

The credit file with XXXX and Transunion were subject to the data breach that had been effected. I have reached out to XXXX to remove any and all invalid reports to the file. This was done on or around XXXX, to XX/XX/XXXX, when I returned to follow up the online information was not accessible for my use. I was able to proceed by putting in outdated information to gain access to my file, which has loan amounts that are not factual. 

Transunion customer service disconnected the call in the process of deletion of outdated information, the follow up conversation with reps informed me incorrect listing would be removed. Fast forward no removal of invalid, incorrect information have been removed as of XX/XX/XXXX from XXXX or Transunion files.
Product: Credit reporting or other personal consumer reports

I am doing follow up for my recent complaint dated XX/XX/XXXX. Per FCRA section XXXX XXXX XXXX Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : 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 XX/XX/XXXX -- XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from XXXX XXXX apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the XXXX, Experian, and Transunion data breach.
Product: Student loan

i signed up with XXXX to take classes on line for my XXXX degree.iwas given a loan of XXXX.i was never able to contact any one from the school for assistance or questions regarding my classes, also i was never able to pass any of my exams.i made multiple attempts for assistance but not able to get any.the cost of degree promised to me turned out to be astronomical with hidden fees and no one to contact at college network.doing so i stopped paying loan given to me by XXXX.at present i am being contacted told there is a judgement against me for non payment for something i did not benefit from.i have spoken to other XXXX who verbalized that they have had the samep roblem sign up with the college network get a loan from them and not able to get any assistance thus leaving us with a large loan and no repay with no degree to show.the name of the school is college network the name servicing the loan is troy capital llc XXXX florida.the XXXX which is permanently closed a class action is being taken by them since 2014 i am one of their individual who signed up for their classes.i would greatly appreciate a response to my petition for help.i truly feel i should not have to pay back this loan due to college network incompitence and multiple complaints made all over the united states.forced to pay back a fraudilent loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report should reflect my loan payments are in fact up to date. If the same company is reporting the information then all the bureaus should have the same information. Due to XXXX  claiming that 8 late payments were just verified. Id like the method of verification.
Product: Debt collection

Received one phone call and one letter from Convergent Outsourcing , Inc, claiming to be a collection agency on behalf of XXXX, a cable company, seeking to collect a balance owed. 

I have never done business with XXXX, and a visit to their website shows they do not even offer service in my area. 

I will be sending a Request for Validation of Debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA, but all communications stink of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Blessings, I've contacted each of the companies that appears on the list and they did not help me at all, which I informed them that I would be making a report for what is happening to me since I have nothing to do with this that seems to be fraud and I need you to please help me remove it since my credit dropped because of all these inquiries that do not belong to me. 
XXXX XXXX XXXX on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 ALLY FINANCIAL Inquired on XX/XX/2021
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. Department of EducationXXXX XXXX 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

Please reverse the late payments reported on the following accounts : USDOE/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, .The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I was not a person who believes in using credit cards and I always used debit as a primary payment method. Until recently my wife and I are planning on buying a house, so I checked my credit report and realized I have been a victim of identity theft for many years. I found two fraudulent accounts, one is a charge off from XXXX XXXXXXXX XXXX in the amount of {$11000.00}, the other is an account in collection by XXXX XXXX XXXX originated from XXXX in the amount of {$4500.00}. Additionally, there's also two fraudulent hard inquires from XXXX XXXX and XXXX. 

It is a grave mistake on my part to not close guard my credit as seriously as I should, until it became a giant road block on my path to finally become a homeowner and realizing my American dream. Identity theft has put me in a very tough situation, I hope we can get the fraudulent activities off my credit report as soon as possible. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the deletion of all information from my credit report following the recent data breach that has affected my personal information. As you are aware, the security of my personal data is paramount, and I believe that the information now included in my credit report may have been compromised as a result of the breach. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I request the deletion of any and all negative or erroneous information resulting from the data breach from my credit report. This includes any accounts, inquiries, or other data that were impacted by the breach and are inaccurate or improperly reported.

Additionally, in light of the breach, I respectfully request that you conduct a thorough investigation into my credit file to ensure that no fraudulent or incorrect data remains of my credit history. 

Please confirm the deletion of the impacted information from my credit report within the required XXXX period, and provide me with a written confirmation that the necessary actions have been taken. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit card

In XXXX of XXXX I applied for a CHASE SAPPHIRE Visa signature account. I was denied. When I went into my local chase Branch I was told they couldn't help me and could not locate my file. They also stated they didn't see an application on file. This and any denial violates title 15 1691. My current understanding according to title 15 1691 and its sub sections I have 5 years to file a complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 In accordance with the Fair Credit Reporting Act the list of account below has violated my federally protected consumer rights to privacy and confidentialy under 15 USC 1681. 
The account below 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. 1681 C. ( 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 1681 S-2 ( A ) ( a ) A person that 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 innacurate. 
DELETE THE ACCOUNT BELOW
Product: Mortgage

My mortgage lender is Suntrust Mortgage that has now merged with Truist Bank. My loan number XXXX My hazard insurance company issued a partial refund on my policy in the amount of {$2500.00}. The check was issued XX/XX/XXXX to Truist Bank, XXXX XXXX  XXXX, XXXX, OH XXXX. The check was cashed by Truist Bank on XX/XX/XXXX. To date the refund has never been posted to my mortgage account. Failure to post these funds to my mortgage account results in a {$200.00} per month increase in my mortgage payment. 

I have tried to reach out to Suntrust and after long periods of time on hold their systems fails and all of a sudden they can't hear me. Even though they have all my call back information they never bother to call back. 

I am attaching a copy of the cancelled check for the monies Suntrust/Truist received that have never been posted to my account
Product: Money transfer, virtual currency, or money service

Paypal has a permanent block or restriction on my account which prevents me from using it and refers to following message : We recently noticed an issue with your account. To see what you can and ca n't do while your account is limited, go to the Resolution Center. 

Why is my account access limited? 

Your account access has been limited for the following reason ( s ) : XXXX XXXX, 2017 : We need additional information on your recent transactions and account activity. 

( Your case ID for this reason is XXXX. ) The Paypal reps I 've spoken with stated that account is actually closed due to number of disputes filed, some are apparently outstanding as they are requesting information according to the message above. If account is actually closed then I should not be able to log in and the restrictions placed on it actually state I am unable to close it. Needless to say, this does not make sense. Please advise Paypal to either remove block or restriction or simply close account