23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On Friday,  XXXX  of  XXXX , I received a debt collection letter from   XXXX   dated  XXXX   XXXX ,   XXXX   for a  XXXX   XXXX .     I called on Tuesday,  XXXX   XXXX ,    2017 to  inquire about the collection of {$100.00}. Since my husband and son are both  XXXX   XXXX   I  wanted to know which person it was concerning and to make sure it was not a scam and to also check with my insurance company on why the payment was not paid by them. The debt representative said they could not give me any details concerning the bill because of the law forbidding access to medical records without permission. She did say that the age on record must be my son and not my husband.     I was told that my son who is 21 years of age and in college in  XXXX , CA would have to call them to give them authority to speak with me, his mother, living in Texas.     I immediately texted my son to contact them that day but having a busy class schedule and just a week from exam finals he was unable to call them on  XXXX ,  XXXX ,    2017.      I called   XXXX   at  XXXX  on  XXXX   XXXX ,    2017 b ut they did not have on file a call from my son giving authority so I still could not find out any details concerning the debt.     I reached out to my son again on  XXXX   XXXX ,    2017 and  reminded him to call them and give me the authority to investigate the debt.     Before my son had a chance to call he was contacted by  XXXX  on  XXXX   XXXX ,  2017 an d was asked if he was  XXXX   XXXX  which he replied yes. He was told that he had to pay the debt balance immediately. They asked if he had a credit card and demanded the credit card number immediately. He gave them the credit card info.     My son is only  XXXX  and has not had the experience of dealing with intimidating debt collectors and he was caught off guard as to their ruthless tactics.     Since my son is in school he does not have a job and he is covered on our insurance. For  XXXX  to require payment from him was wrong.     The  XXXX  letter dated  XXXX   XXXX ,   XXXX   said we had 30 days after receiving the notice which was  XXXX   XXXX ,  2017 to  notify the office. I contacted them twice within four business days of receiving the letter and they demanded payment on  the four business  day of recieving the letter.     What happened to the 30 days? They clearly did not give me adequate time to investigate the debt, check with my insurance or perhaps dispute the debt.     We were given no options in those four days! This is not right!       XXXX    XXXX .  XXXX   XXXX   XXXX   XXXX  Fl  XXXX  Payments : P.O.  XXXX   XXXX   XXXX  Oh  XXXX   XXXX
Product: Debt collection

Repeatedly calling my federally issued XXXX number for a XXXX saying that its my final notice, this has been recorded, ect ect.
Product: Checking or savings account

I deposited a lawsuit check XXXX dollars to my navy federal account on XX/XX/2023 they told me that check was bad when it wasn't my lawyer l XXXX XXXX from XXXXXXXX XXXX called and told them that the check was cashed on XX/XX/2023 and the bank restricted my account
Product: Debt collection

This keeps showing up on my credit report from Portfolio Recovery. Collection account. {$1500.00} past due as of XX/XX/2020. 

This company has garnished my check for payments through XXXX XXXX They also keep reporting incorrect dates to the Credit bureau. 

I really do not have any knowledge of this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : WELLS FARGO CARD SER XXXX Open Date XX/XX/2014 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT A LETTER OFF ON XX/XX/20220 TO XXXX XXXX XXXX WITH A ALLEGED BALANCE OF XXXX $ THAT I DO NOT OWE, AND ITS HAS PASS THE 30 DAYS ALLOWED BY LAW TO RESPOND.ON TRANSUNION, IT HASN'T NOT BEEN ACKNOWLEDGED '' MARKED AS DISPUTED BY CONSUMER '' THEREFORE IT IS A VIOLATION AND NEEDS TO BE DELETED BEFORE I CONSULT WITH AND ATTORNEY IN THIS MATTER.
Product: Payday loan, title loan, or personal loan

My issue wasnt available in the menu presented so I chose the most applicable options. I ordered some items from XXXX online using Afterpay ( XXXX XXXX ). The order was divided into 2 shipments but I only received one shipment. USPS stated they never received it while XXXX says theres a delay and they have no idea when itll be shipped. The USPS tracking number is no longer valid because too much time has elapsed in receiving the shipment. XXXX hasnt responded to my request for a refund and Afterpay said theyll only refund me once XXXX refunds them. Im still paying for a shipment I havent received ( {$72.00} left to pay according to Afterpay ). According to the VP of communications at Afterpay, Im subject to the same protections Id have if I were using my debit card directly with the merchant instead of with Afterpay. Im wondering why, then, am I not receiving said protections in this case?
Product: Credit reporting or other personal consumer reports

TRANSUNION HAD MY SS # WRONG AND WONT CORRECT AN ISSUE I applied for a CC from XXXX XXXXXXXX XXXX about two months ago and they couldnt immediately approve it. My credit score is over XXXX so I was surprised. I kept calling to see status and kept being given vague answers. I finally figured out that TransUnion had somehow gotten my SS # wrong in their files ( off by one number ) I had to send copies of my SS card, birth certificate and DL via certified mail to TransUnion and my report was finally fixed. I made a final call to XXXX XXXX to tell them TransUnion had finally fixed the issue and my CC was approved in seconds. 

Imagine my surprise when I go to check my credit score today and my score had plummeted XXXX points ( on TransUnion ). When I reviewed the credit report I saw why. Trans Union is reporting FIVE hard inquiries from XXXX XXXX XXXX  for the exact same credit card. 

I called TransUnion to have them remove the superfluous 4 hard inquiries and they told me they could not without documentation. I told them they had all the documentation they needed in the form of my certified letter and log notes of my multiple calls to them to correct a problem THEY had created ( wrong SS # ) Trans Union told me to write a complaint to the FTC. So here we are.
Product: Credit reporting or other personal consumer reports

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

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




XXXX XXXX XXXX XXXX XXXX XXXX - IDENTITY THEFT 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

The XXXX XXXX XXXX was returned back to Nissan due to XXXX in XXXX of XXXX Also, this account has been closed since XX/XX/XXXX. However, they still failed to report the true balance. They reported the full balance of the car when it was on the showroom floor back in XX/XX/XXXX for {$20000.00}, which is also when the account was opened in XXXX the state of Illinois. XXXX XXXX XXXX sold the Nissan XXXX on XX/XX/XXXX, at an auction and received the amount of {$8000.00} or more. Nissan has failed to report the selling of the vehicle and also failed to report it to the credit agency purposely misleading others regarding this matter. This is a bad act of practice on Nissan motor acceptance. 
I do not owe this amount therefore it should be deleted forever, This account has been deleted from my credit report several times and added back by the company. This account is right at 7 years and has been displaying the wrong information for quite some time. Now they are threatening to sell or has already sold this bogus account to XXXX XXXX XXXX that displays I opened it on XX/XX/XXXX and owe them {$20000.00} now this isn't me either never purchased a XXXX Nissan XXXX on XX/XX/XXXX XXXX is also included in this complaint as well. Thank you
Product: Student loan

Nelnet was given standing instructions on how to apply my payments sitting a phone call to them in XX/XX/2018. Although, in XXXX, my payment was applied differently. I called them at the beginning of XXXX and was told that someone in the accounting department deciding that how they applied my payment was better for me, deliberately going against clear standing instructions that the staff member was able to articulate clearly from the notes on my account. I then called today, XX/XX/XXXX, to complain to a manager regarding this choice made by their employee. I was told that they would submit a formal complaint. I then requested that I receive a copy of the complaint. I was told that they could not and that was between Nelnet and the government.

There is no repercussions for this company and their inability to handle customers or their employees. No accountability to anyone.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I'm writing to voice my concerns regarding Zelle 's handling of disputes particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution in Zelle fail to investigate my claims adequately. They inform me that recovering lost funds was impossible in that in the tracking these transactions were unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system leaving us vulnerable for scams. 
Dislike of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
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 XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

I have asked Lendmark Financial numerous times to stop reporting erroneous information to all three major reporting credit bureaus. I have done this by telephone, direct disputes through XXXX XXXX, and XXXX, and certified ( signature confirmation ) mail etc.  Every single time they have told me that they are reporting factual information. This is not true since every report shows payment history completely different than the other. As you are aware, payment history constitutes about 35 % or your FICO credit score. Lendmark financial has an obligation to report factual information by law by terms outlined in the FCRA. I don't know how else to get through to them, the Credit Bureaus have not done anything on their behalf to even assist me with getting documentation from Lendmark that shows accurate payment history. I have had a home loan declined because of the severe impact of Lendmark financials improper practices.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Dear Sirs, I have tried to open a bank account back in XX/XX/XXXX. I was denied multiple times by different banks. upon check on the problem of denial, I had seen that there is a " suspected Fraud '' notating by XXXX  XXXX XXXX on my Chexsystem report. I remember having a checking account with XXXX  XXXX  XXXX, never had an issue of any kind. XXXX  XXXX XXXX sent me a letter back in XXXX stating that they will be closing my account without any further notice. I had no problem with that, however, XXXX reported " suspected Fraud on my Chexystem  report which is currently not allow me to open any checking account with any other Bank. 

In XXXX, I disputed the reported directly with Chexsystem, The reporting was updated to " Settled in Full ''. I'm not aware of any amount I owed to XXXX  XXXX XXXX that lead to be settled. In XXXX, the Term was updated to " Settled in full '' and consumer disputes the reported information. Early XXXX, I called Chexsystem and asked them to remove the inaccurate reporting. The rep of Chexsystems stated that XXXX  XXXX XXXX is supposed to remove the reporting. 

I mailed XXXX  XXXX XXXX ( address listed on the report in XXXX FL ) in XXXX to request evidence or at least clarify any of the reporting. Never gotten a response after 60 days. Then I decided to call the number of the department responsible for the reporting, I was transferred to Fraud department, then to Risk Department, then to Closure department. None of these was able to specifically tell me why this reporting is remaining on my consumer report nor why it was reported initially. 

I'm attached a copy of my latest chexsystem dated XX/XX/XXXX report showing the " suspected Fraud, settled in full, consumer disputes reported data.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested credit report from Equifax. They sent me completely wrong information, ALL belonging to someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is EXETER FINANCE. I have been disputing for a year and on XX/XX/XXXX, I sent out another letters regarding this account disputing the accuracy and how the amounts are are reported differently, the dates opened are different and recorded on each bureau, and the dates last active are all reported wrong. While one account is closed on one bureau, while they are still being reported on the other 2 bureaus. It is closed on XXXX But it is still being reported to XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I am FILLING THIS COMPLAINT because the following inaccurate imprecise information in my credit report. The items are listed below : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Experian : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One sent a letter XX/XX/XXXX stating due to lack of use card ending # XXXX will be closed if card holder does not contact office immediately. I called them at the beginning of XX/XX/XXXX and got a credit increase to {$3000.00}. It was mentioned during the phone conversation that I must use the card before the end of XX/XX/XXXX that month. I did not use the card until XX/XX/XXXX, and by then the account was closed. I believe Capital One charged me the annual fee and subsequent late fee after closing my account.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( Ajin general if, 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- ( 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 ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
- [ ] Please remove the following items from my credit report, immediately XXXX XXXX Bankruptcy XX/XX/XXXX XXXX XXXX Bankruptcy XX/XX/XXXX Chapter XXXX Bankruptcy XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the credit reporting acts the list with the account below have violated federally protected consumer rights to piracy and confidentality under 15 usc1681 section604 also states can not change account without my consent all my negative accounts on my XXXX  transunion need to be deleted asap I would like my credit report to be cleared and all my negative account deleted thank you very much.
Product: Debt collection

On XX/XX/18 a dispute was sent to company regarding XXXX XXXX/XXXX   {$1100.00}, XXXX XXXX {$810.00}, XXXX XXXX {$1000.00}, XXXX {$1600.00}. Per the certified mail receipt, dispute was received by company on XX/XX/18. FCRA gives the company 30 days to respond. Today is XX/XX/18 and I have yet to receive adequate response.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts on my credit report I have not opened these or used these accounts they are not mine this si identity theft!!!!! 

XXXX XXXX XXXX - Acct # XXXX Amt {$10000.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$9100.00} Opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken to Equifax Office of Consumer Affairs on XXXX, until this date they have continued to violate my consumer protection rights as a consumer. They have issued my consumer report to a third part agency ( XXXX XXXX ) listing the items that are fraudulent on my credit report. They are reporting late payments on an account, XXXX XXXX  XXXX XXXX, XXXX, Equifax sent a letter in the mail with a confirmation that the prior payment history has been removed. I have filed Mutiple complaints through the CFPB regarding the Equifax Office of Consumer Affairs, and nothing is done. Please help me to understand how an agency that is issuing consumer reports are able to not keep accurate information and continue to report fraudulent information to third parties regarding my consumer profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

First date of delinquency is XX/XX/XXXX and should be deleted. Report has XXXX as first date of delinquency which is incorrect. This date is part of the info they provided in a previous dispute but they are still refusing to remove. XXXX XXXX has confirmed that the complete payment history was provided and it's Experian responsibility to report accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX