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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act XXXX the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to request the deletion of inaccurate, re-inserted, and fraudulent accounts present on my consumer credit report and to bring to your attention the failure of XXXXXXXX XXXX, XXXX, and XXXX to provide the necessary proof of debt validation within the stipulated time frame of XXXX days. I have previously sent certified dispute letters to these companies to rectify the inaccuracies in my credit report and to ensure compliance with the FCRA, but these companies never responded to me with verifiable documentary proof, original consumer contract, or similar proof bearing my wet ink signature on it, XXXX days went by and I received nothing from these companies and these accounts was reinserted with no permissible purpose and without my consent. 

XXXXXXXX XXXX, XXXX, and XXXX claimed to have completed a reasonable investigation with the furnisher of information and verified the accounts listed below as reporting 100 % accurately. However, these accounts are still inaccurate and are continuing to report errors on my credit file, violating my rights and damaging my credit score at the same time. According to The Fair Credit Reporting Act ( FCRA ), the information on a consumer 's credit report should be consistent across all three bureaus, as creditors and lenders may use any of the three to check a consumer 's credit history. XXXXXXXX XXXX, XXXX, and XXXX did not remove the inaccurate account that has been furnished on my consumer file and I have never given my consent to re-insert or furnish this account. No consent is Identity Theft and I have attached evidence that XXXXXXXX XXXX, XXXX, and XXXX are in violation. 

I demand you cease and desist pursuant to federal laws 15 U.S.C 1692c ( c ) and you are in violation if you continue to report this inaccurate information.

15 USC 1681 s-2 ( a ) ( 3 ) clearly states If the completeness or accuracy of any information furnished by anypersonto anyconsumer reporting agencyis disputed to suchpersonby aconsumer, thepersonmay not furnish the information to anyconsumer reporting agencywithout notice that such information is disputed by theconsumer.

Im am formally disputing this information and according to the law, you may not furnish the information to anyconsumer reporting agencywithout notice that such information is disputed by theconsumer.

15 USC 1681i ( a ) ( 5 ) ( B ) ( i ) Reinvestigations of disputed information : Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
Product: Mortgage

Truist Bank is punishing me because I refuse to open a bank account with them so that they will allow me to pay my mortgage online. I have paid my mortgage the same way every month for well over a year, via online bill pay through XXXX XXXX  directly to Truist Bank, and I just received an email from Truist Bank that says that I have not paid my mortgage for this month. That is not true and I have the receipts to prove it from XXXX. I'll attach them to this complaint. Truist is just trying to punish me for not opening a bank account with them in order to pay my mortgage. There is no way to contact Truist bank via email to resolve this matter -- only via a XXXX number that will undoubtedly go unanswered and I will not have written proof of anything that was said during a call. This better not hit my credit, and this is happening often enough that I consider it harassment at this point.
Product: Credit reporting or other personal consumer reports

Im reaching out to dispute a few errors on my Experian credit report that need to be fixed. The credit report contains inaccurate addresses, including XXXX XXXX XXXX XXXX NJ XXXX and XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX The correct address is XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX. Further, my credit report lists several incorrect names that are not associated with me. My correct legal name should be XXXX XXXX XXXX XXXX. I also request the removal of any phone numbers associated with my account. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681e ( b ), which mandates that credit bureaus ensure the accuracy of the information they report. Noncompliance with this obligation is considered willful under 15 USC 1681n, potentially resulting in statutory damages of up to {$1000.00} per violation, in addition to the possibility of punitive damages. I request that Experian investigate and correct these inaccuracies and update my credit report to reflect the correct information.
Product: Checking or savings account

I'm trying to sell an item on XXXX, but it's only on my XXXX page, when I called XXXX to find out why it's not shown nationwide I was not talking to XXXX, it turned out to be a scammer. The scammer told me to download an app for verification purposes, then I was told to open the app, when I opened the app the scammer took control of my phone and got into my bank account and took {$250.00} from my account, I did not give them permission to do this, they gave them selves permission to do so. I called my bank right away and filed a claim Well capital one is denying my claim saying that I gave permission for this transaction. But I did not give any permission for this, the scammers had control of my phone and gave themselves permission. Now capital one is refusing to refund my {$250.00}
Product: Student loan

I am currently stuck in the SAVE plan litigation limbo and have been trying to resume payments as I am close to the end of my service toward the PSLF plan. In my effort to resume payments, I recently completed the application to switch payment plans once the online process was opened to consumers again. I filled out an application for IBR on XX/XX/year>. 

According to Federal Student Aid, my application has been forwarded to my loan servicer, Mohela. Since my application was not immediately processed, as per Federal Student AId I should be eligible for a two month processing forbearance that would count toward PSLF : " If servicers need time to process a borrower 's IDR application, servicers will move the borrower into a processing forbearance for up to 60 days. Interest accrues during this short-term processing forbearance, and time in the processing forbearance is eligible for PSLF and IDR forgiveness. '' However, when I contacted Mohela about this processing forbearance I was told that they would not be using it since I was already in the SAVE forbearance and that new repayment plans were not being processed, despite the interim ruling made that reopened payment plans as of XX/XX/year>. 


Thanks for you help with this matter. 

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

As I educated myself on Fair Credit Reporting Act, I asked XXXX, XXXX, and Equifax several times over the past year or so to reinvestigate these accounts listed below : XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX In accordance with the Fair Credit Reporting act these reporting 's has violated my federally protected consumer rights to privacy my livelihood and confidentiality under 15 USC 1681 Act. However, they stated that everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is still incorrect. Closed accounts are written off and considered income. Income dose not report I want them removed as well. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. XXXX, Equifax, XXXX did not do so. 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-XXXX ( 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. Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. Certified Mail Receipts XXXX : CR # XXXX CR # XXXX CR # XXXX : ( XXXX ) CR # XXXX CR # XXXX CR # XXXX and many more.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Lawyer, XXXX XXXX filed a Chapter XXXX that was to include a reaffirmation for the property I currently in and have been making payments for the last two years and not having the benefit of those payments being reflected my credit report. 

The XXXX XXXX not provided any reason or documentation as to why they have taken such action. I have called them numerous times and told that they are reporting. I have sent documentation to all three credit agencies and the reports are incomplete or never change despite the proof of my clearly being responsible to my obligations. 

The XXXX XXXX is a bad and unsavory actor.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPSTONE CREDIT & COLL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX Phone : XXXX They are reporting the incorrect account type and incorrect account status I have reached out to all 3 credit bureaus as well as the collection company and they are clearly in breach of metro 2 by reporting a collection account as an installment account when metro 2 clearly states it has to be listed as open. I also do not know if this account is reporting as opened or closed because it is inconsistent two credit bureaus say the account is closed and the other claimed it is opened. How can that be if they are coming from the same source? They have all verified this account as accurate.
Product: Debt collection

Hello, I have made a total of ( 4 ) attempts to reach out to a Collection Agency name Midland Credit Management about a claim / debt they say I owe. All of my requests for Validation letters to show proof of debt owed along with my legalized signature has not been met. I received ( 1 ) response letter dated XX/XX/20 informing me that the debt owed was confirmed by original creditor and they sent a bootleg looking statement ( will be attached down below for reference ). No other information was provided me as per my request. I received a 2nd letter notifying me that during their investigation with the original creditor ; which could take up to 90 days they would notify all ( 3 ) reporting agencies to delete the collection ( this has not been done ) - letter was dated XXXX. These were the only two responses received back from Midland Credit Management. I requested for them to send me proof of signature or anything binding me to the debt they say I owe ( only received half of a statement with no pertinent details ). According to their notes this account was charged off on XXXX. 

Thank you!!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, all information is required to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but last reported dates and date last active are all inaccurate to include account number for XXXX  : ** XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ** XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I feel that this is ground for removal from my credit report and my rights have been violated under the following : 15 U.S.C 1681 Section 602 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 U.S.C 1681 Section 604 ( a ) ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
Product: Credit reporting

I have several things on my credit not accurate including loans paid off also way over 7 years old. I 'm not sure if these XXXX loan companies including XXXX XXXX in KY are attempting to have me pay them XXXX but they will not respond to my request. I 've got marks that are far from true and I need these old accounts removed. Please contact them or me and let 's figure this out. XXXX XXXX XXXX XXXX last XXXX of my social are XXXX my telephone number is XXXX XXXX XXXX ... Companies responsible for this mediocre fraud are " Personal XXXX XXXX '' XXXX KY and XXXX, which shows their location in XXXX. .thank you for your prompt response
Product: Debt collection

I have made multiple attempts to get this debt verified. I even contacted the original company since I have sent 2 certified letters to Sequium Asset Solutions , LLC and the only correspondence I have received is the amount owed not the original information. I dispute this debt is owed and this company will never send me any information on the original debt. As a consumer I have a lawful right for this collection company to verify the debt with the original debt with dates of services and the first date of delinquent payment. enclosed the only correspondence that I have from the company. I took it into my hands and contacted XXXX XXXX XXXX and enclosed is the only services that the copy only had on file for me. According to those documents this debt is too old to lawful to be showing on my credit report. I need this company to send me the original correspondence from XXXX XXXX XXXX not just numbers and verify this debt is owed. I have sent the verify letter twice.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, TransUnion LLC reinserted a previously deleted item ( XXXX  XXXX XXXX ) to my credit report alleging that it had been verified. However, Ive provided TransUnion with proof of XXXX  and a fraud affidavit showing that I was XXXX XXXX at the time the charges were made on this account. TransUnion has been the most stubborn of all 3 bureaus in removing the item and have now put it back on my credit report for an impossible reason. I called customer care on XX/XX/year> and requested a call back number that was not provided and ironically the call disconnected with no call back or email to rectify this issue.
Product: Debt collection

On  XXXX   XXXX ,    2017  I received another letter from  GC Service Limited Partnership af ter I had explicitly expressed to them and the original creditor that this debt was a result of identity theft. I have provided  XXXX  and GC Services with all the necessary documentation including a Police Report, FTC Identity Theft Affidavit, CFPB Complaints, FTC Complaints, Identity Verification Documen  ts i.e. State ID & Social. After receiving all the necessary docum
entation from me to block this fraudulent account from my credit profile per 605B o  f the FCRA they had removed it from my credit report.
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All though they had removed it from my credit report they continued to harass me via mail for what is now almost one year. They have recently bega  n to call my phone again twice a day every day for the last month trying to collect on a debt that is deemed fraudulent. This willful negligence is now causing damage to my person and there bombardment of calls is now effecting my quality of life. I will be seeking legal remedy granted to me by Fair Credit Reporting Act and The Fair Debt Collections Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am going to get straight to the point. Experian is continuing to ignore my requests. This is despite me sending two separate dispute letters AND filing a complaint against them. After that complaint, I sent another dispute in XXXX AND THEY IGNORED THAT AS WELL. If a proper investigation is not initiated by Experian, I am going to file a lawsuit against them. I will no longer tolerate their inaction and their flat out ignoring my investigation requests.
Product: Credit card

I wrote to XXXX and XXXX of XXXX Chase regarding a dispute that was denied. I received a call from XXXX and she advised me that the call was being recorded. I asked XXXX to hold while I set up my recording apparatus and she told me that I was not allowed to record the conversation, which I then terminated. I wrote to XXXX to complain about this and XXXX wrote back that essentially that is JPMorgan Chase 's policy. So, they can record me but I can not record them. That is the nub of my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I happened to check  XXXX   XXXX  and behold, an account that I had not opened showed up on my credit report. One week after that I was delinquent {$410.00} and now that reflects on my current credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit card or prepaid card

On XX/XX/2020, An employee of the computer Company with the name XXXX XXXX/XXXX XXXX XXXX, defrauded me out of {$740.00} by diverting my payment to his ( personal ) Paypal account the company is aware of this fraud and fired the employee, but has not refunded the money that there employee defrauded me out of. 

the Co. instead is giving me the run around concerning my refund of {$740.00}. 


i have supporting documents concerning this fraud
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX  XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX Account # : XXXX XXXX  XXXX XXXX  XXXX XXXX  Account # : XXXX XXXX  Account # XXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.