23daVinci/CFPB_Complaints huggingface dataset:
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 has violated my rights.

I looked at my TransUnion credit report on XXXX and according to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Debt collection

I dont have exact dates but it Portfolio they call at all hours like XXXX and sometimes XXXX They say its from XXXX i have no recollection of Asked for info then they hang up on me.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information from my file. The items i deleted are listed in the report I am a big team of identity theft and i did not make the charge. I reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal tray, commission identity, theft, affidavit. please delete this items as soon as possible.
Product: Credit card

I ordered this phone in XX/XX/XXXX. It was marked delivered several days after and I immediately opened a claim with XXXX and XXXX as the phone was not on my porch. Weeks went by and while I was refunded, I was subsequently rebilled by Capital One as the tracking number showed the parcel had been scanned to my regional facility. After a few months -- on XX/XX/XXXX, XXXX responded to my claim and I was able to pick up the device I ordered in XXXX. The issue is however, is that XXXX has locked the phone since I opened a claim and despite opening a dispute with Capital One I am still on the hook for the charges with a device that is unusable. This is my first ever chargeback and was sure that Capital One would have supported me however I must file this complaint due to my thorough dispute claims being ignored. 

-- UPDATE : This device was received on XX/XX/XXXX and it took about 2 weeks for XXXX to initiate a return exception after they realized this was a huge issue. After this, a label was sent to me and I took the device to XXXX XXXX. It was successfully returned to XXXX on XX/XX/XXXX at XXXX XXXX  as you can see from the supervisor 's ( XXXX XXXX ) correspondence with me [ Tracking number XXXX ]. After this was completed, they told me I was responsible for contacting the bank as technically XXXX had refunded me but because I had lost the dispute the money was in control by Capital One. My account was marked fraudulent and I could not communicate with them without using an alternative phone number despite this being my first and only issue with this card in 11 years. I am so frustrated as to how this was able to happen and how out of my hands this is. In the initial dispute with XXXX I still did not have the device in my possession but Capital One refuses to re-open the dispute despite my evidence overwhelmingly showing that the company made a mistake...
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, the following company XXXX XXXXXXXX without permission pulled my credit report without my knowledge or permission
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and seen that I had inaccurate information reporting on my credit.In accordance with the Fair Credit Reporting Act. The account listed below has violated my protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
-Account Name ( XXXX XXXX XXXX IL XXXX XXXX reference number XXXX I reached out several times with certified mail. The second time I got a response and they told me the information was verified. I also sent over a letter from the XXXX XXXX XXXX IL ( # XXXX ) verifying that they do not report to the credit bureaus. So, the investigation was not done properly.

15 U.S.C. 1681 Section 602 A. I have the rights to privacy.

15 U.S.C. 1681 Section 604A 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

In accordance with the Fair Credit Reporting Act, the listed accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

I've have written to Experian, XXXX, and XXXX by XXXXertified mail many of times to reinvestigate this account : XXXX XXXX XXXX XXXX Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 USC 1681 section 602 A states, " I have the right to privacy ''.

15 USC 1681 Section 604 A Section 2. It also states, a consumer reporting agency can not furnish a/any account without my written instructions.

15 USC 1681c ( A ) ( 5 ) states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is in accurate.

Also, they aren't even in compliance with metro 2 reporting. I have evidence to prove my case.
Product: Debt collection

CAPITAL ONE CREDIT CARD ( XXXX XXXX ) ( Original Creditor : 12 CAPITAL ONE BANK USA NA XXXX ) IS CLAIMING I OWE THEM {$260.00} AS OF TODAY, THE ACCOUNT WAS CLOSED AROUND LATE 2019 DUE TO MISLEADINGS AND CHARGES WITH THIS BANKS SERVICES. 

XXXX XXXX ( Original Creditor : 12 CAPITAL ONE BANK USA NA XXXX ) did not supply all requirements under 15 usc 1692g.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that put myself, my family, and millions of others at potential risk. Further, Equifax has failed to professionally handle the reporting of this breach. Very little was done to notify the public for nearly a month after the breach was detected. I was never the recipient of an email, letter, or phone call notifying me that my personal information was stolen, and instead found out via social media.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent itemsin my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

Commonwealth Financial has violated my rights under the FDCPA by failing to respond to my debt validation requests within 30 days.Their initial contact with me was on XX/XX/XXXX by email with an attached validation notice. My validation request was sent certified mail ( Tracking # XXXX XXXX on XX/XX/XXXX and I did not receive of response by mail until mid XXXX. I attached the late response letter Commonwealth sent me dated XX/XX/XXXX ( I excluded the second page with all the personal medical data ) along with the tracking and return receipt information for the validation request as well as the initial email they sent my on XXXX. Its also kind of alarming this company had access to my medical information when I never signed a release for them to possess it. Would this be considered a HIPPA violation under the law? I was expecting to receive documentation directly from the doctors office not the collection agency. If requested I will send you the full letter as proof if required but I would prefer not disclose medical documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed this account ( XXXX XXXX ) about six times for the last six months with the credit bureaus reporting fraud. I contacted the company and they sold the account to a debt collector which is now saying I owe them {$5900.00} but the account is still reporting on my credit report with a balance of {$4800.00}. I asked the company and credit bureaus several of times to send me verification of this account because this account is not mines and I want to know how did they verify this and I havent gotten a respond.
Product: Mortgage

XXXX XXXX XXXX XXXX is a lender based policy taken out by XXXX XXXX who is my mortgage lender of my VA loan. I had a slab leak XX/XX/2018. I re-piped my home XX/XX/2018 to avoid another leak. XXXX assigned XXXX XXXX XXXX to handle this claim. They would not repair the leak but stated they would repair items in the home damaged by the water leak. The claim number is XXXX, adjuster in charge of the claim is XXXX XXXX. Phone # XXXX, ext XXXX. I have called and left messages with no return call. I need to know what repairs they will authorize so I can move forward. My Home is in disarray and I'm frustrated at their lack of regard. Adjuster for this company came out two weeks ago and the contractor I want to do the work came out and met with the adjuster to discuss the repairs needed to get my home fixed. No response from anyone on what they will or will not approve. Please Help this VET!!!
Product: Debt collection

This company IC Systems is placing damaging collection information on my credit reports without any paperwork from them or the original creditor ... I use credit monitoring so it alerted that I owed a balance to XXXX which Im assuming is a daycare attached to one my son attended. I dont owe any daycare money as I have been on public assistance for daycare vouchers with the State of Ohio and up until about XXXX or XX/XX/2018 did not have a copay which means I owe them nothing. They need to validate this debt and remove it or any and all available options that apply under FCRA will be taken
Product: Debt collection

I mailed a copy of the receipt via certified mail to both XXXX/JCPENNEY. The account was paid in full in side a local JCPenney store on XX/XX/XXXX. The company sold the account to a collection agency in XX/XX/XXXX and put it on my credit report as a charge off account.
Product: Debt collection

Credence Resource Management, at address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, has filed a derogatory collection report about me with credit reporting agencies. They claim that they have tried and failed to collect a debt I owe XXXX XXXX XXXX. 

Fact is, I have not had an account with XXXX XXXX XXXX in over 8 years. I do not owe XXXX XXXX XXXX any money. I have not received a bill or notification of owed debt from XXXX XXXX XXXX. I have not received any letters, emails or any communications from Credence Resource Management about this either. They simply reported this collection to credit reporting agencies, lowering my credit score by nearly XXXX XXXX, without ever contacting me. I believe this is a bullying, strongarm tactic to scam money from me. I am not difficult to reach - I have lived at my current address for over 11 years. I have had the same phone number and email address for nearly 20 years. 

I have tried to challenge this through the credit reporting agencies. It is still showing up on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Request for Admissions To : PennyMac Mortgage XXXX XXXX Dear PennyMac Mortgage XXXX XXXX, I refer to the your care package received to end the year of 2023, a loan modification packet, in which You've failed to answer my requests point by point as required by law. Ive requested that you provide a proof of claim. I have attached a debt validation letter for acceptance. ( See attachment ) A copy of the security instrument is not a sufficient proof of claim as per U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ). Under this code, I am entitled to have the instrument presented to me as you are required to upkeep the legal document entrusted to you. 

Under USC Title 18 Chapter 25, you are engaging in counterfeiting and such behavior is a felony. Providing a photocopy of a security instrument is not only unconscionable but is illegal. I had asked for the visual inspection of the original promissory note, not a copy. 
You did not provide any proof to sufficiently satisfying your claim under U.C.C. - ARTICLE 3 -3-302 that you are a note holder in due course. 

You did not stipulate whether or not you were the holder in due course. 
You did not stipulate whether this loan was securitized as required by law. 

Therefore, you admit to the following : 1 ) You admit that you are a servicer of the promissory note. 
2 ) You admit that the loan has been securitized.

3 ) You admit that you are not a real party of interest in this controversy.

4 ) You admit that you are a debt collector and not the original creditor. 

Under the Federal Rules of Civil Procedure Rule 36, you are advised to notify me within 30 days should you wish to contest any of the above allegations with specific proof. Failure to do so means that you fully admit to all allegations as truth. These admissions will be used as evidence against you in any future controversy involving this matter. 

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

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Debt collection

I had filed a dispute towards a collections company who was reporting along with a second company a debt of {$610.00}. I sent a letter of debt verification which they could not respond to. This debt was not mine, they removed it from my credit report already. Now this new company has popped up in my credit report, reporting the same exact information. 

I have no idea who this company is or why they are reporting to my credit reports but I will be sending a letter of verification and filling a complaint because I have no idea who they are. 

This was XXXX 's closure response : " The account was recalled by XXXX on XXXX/XXXX/XXXX. The account was submitted for deletion from the credit report on XXXX/XXXX/XXXX. 

However, since she has indicated that the account remains on her credit report, we have submitted an online manual deletion on XXXX/XXXX/XXXX. The XXXX reference number is XXXX. 
We believe that this will resolve this matter for this consumer. If you have further questions, please feel free to contact XXXX XXXX at XXXX. ''
Product: Credit card or prepaid card

Discover Financial {$3000.00} XXXX  On XXXX I purchased a XXXX XXXX lawn tractor and bagger from XXXX in XXXX, NY and put it on my Discover card. I used it once and there was a major malfunction which destroyed the entire engine. The tractor was picked up by a XXXX XXXX on XXXX with the intentions of replacing it. After a few days I was informed by XXXX that they could not replace that particular model so I promptly cancelled the order and returned the bagger myself. On XXXX the charge was out back on my bill! In XXXX it was contested, but somehow was determined in favor of XXXX. By this time, it was XXXX policy to not issue return receipts after 90 days, which had already passed. After having XXXX investigate this claim, it was determined that the tractor, in fact, was returned and the claim was valid. I reached out to Discover Advocacy, sent a letter of dispute along with fax transmittals, emails, receipts of return and they are still saying they will not remove this from my bill. We have sent them everything they have asked for. They are destroying my excellent credit rating because if this false reporting. Please help us! We have complied with every single request from Discover. They just say no without giving us any answer as to how they came up with this unjustified conclusion.
Product: Credit card or prepaid card

Capital one closed my card due to the BANK RETURNING THE PAYMENT BECAUSE THEY THOUGHT IT WAS FRAUD!!! I told them this months ago when I had two returned payments and no one warned me at all that on the third return payment they would close it. I can provide proof that it wasnt my fault! Ive never missed a payment on this account ever! I either want. New card opened or I want my money back. I live alone and Im a single parent I cant afford to just lose that money! I cant believe they treat their customers like this smh
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : 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.