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

I have previously contacted XXXX XXXX XXXX XXXX XXXX XXXX to file a billing error dispute reporting on my credit report. 

XXXX has posted a erroneous late payment on my credit report causing my credit score to drop significantly. 

These errors are INCORRECT on the credit reporting bureaus, and have cost me denials on gaining any type of credit. 
THIS ACCOUNT IS DUE ON THE 1ST OF EVERY MONTH AND WAS PAID BEFORE 30 DAYS LATE! I HAVE ATTACHED MY PAYMENT CONFIRMATION XXXX  has violated my consumer rights! 

15 U.S.C. 1666b CORRECTION OF BILLING ERRORS - A CREDITOR MAY NOT TREAT A CREDIT ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. 

15 U.S.C. 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORTS- A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor Navient has violated my rights. Under 15 USC 1681 sec 602 states, I have the right to privacy. 15 USC 1681 sec 604a sec 2, also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor can not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXX # #, XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX OR XXXX, 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
Product: Debt collection

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, it may not furnish information relating to a consumer to any CRA, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is, in fact, inaccurate.18 If the person does not specify such an address, the FCRA prohibits the person from reporting information to a CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate.19 The statute defines reasonable cause to believe that the information is inaccurate to mean having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.20 Duty to Implement Reasonable Policies and Procedures Regulation V requires furnishers to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the consumer information furnished to CRAs.33 Accuracy means that the information the furnisher provides to a CRA correctly : Identifies the appropriate consumer ; Reflects the accounts terms and liability ; and Reflects the consumers performance with respect to the account.34 Integrity means the information the furnisher provides to a CRA : Is substantiated by the furnishers records at the time it is furnished ; Is in a form designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; Includes the information in the furnishers possession regarding the credit limit, if applicable ; and Includes any other information in the furnishers possession that the Bureau has determined the absence of which would likely be materially misleading in evaluating a consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.35
Product: Debt collection

I paid the amount. And 3 three years later my wages were garnished for collection fees that were not indicated on the initial statement no validation was provided please see attatched documents attention to date Initial debt $ XXXXXXXXpaid in full XXXX with cashiers check that cleared bank Additional fees not reflected in the billing statement that validated $ XXXX In the amount of about XXXX dollars for a Total of about XXXX dollars XX/XX/XXXX Three ( 3 ) years later garnished wages, never received court notice disputed additional charges. Paid additional amount over 5 months Should not have been charged collection fees predatory, fees and unfair, process shady very shady need help and explanation.
Product: Debt collection

Capstone Credit & Collections, LLC is not licensed to collect debt in Florida. They continue to report the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$740.00}
Product: Debt collection

I recently made a payment of {$230.00} to Enhanced Recovery Company not knowing that I had the right to dispute the account. I was paying to prevent from having multiple negative entries on my credit report. The Collection Agency placed an entry on my credit report before notifying me in writing or allowing me to validate the debt. I pulled my own credit report out of surprise that the entry was made but placed as a zero ( 0 ) balance. I received no notice from the collection agency just paid them without knowledge that it was already listed on my credit. I submitted a certified return receipt letter to them dated XX/XX/2019 validating the debt with no response. I submitted a dispute with XXXX   XXXX report they updated the information with no proof of how they verified the entry. I dont have anything with proof that I actually owed that amount & when did this account went delinquency. They are reporting incorrect information. I dont have any information about this account from the Collection Agency that states they are collecting for XXXX XXXX XXXX. I request for documentation or for the entry to be removed from my credit report with XXXX. I have supporting documentation to support this complaint such as the certified letters & letters received from XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX  by online and mail. They have an account from XXXX XXXX XXXX  that has been closed for 3 years now. They are updating balances on the account every few months. This account is closed. They are opening up the account then closing it. Ive asked for it to be removed they have refused to do their duty as a credit reporting agency. There is no reason that it has been closed but continue to report
Product: Debt collection

I have a unpaid charge card debt. XXXX is now trying to collect on the default judgment against me from Capital one charge card debt. They found out I am exempt from garnishment because on state and federal aid so they are trying non earnings garnishment on my checking, savings and pay from a customer-employer. the court commissioner ruled my pay earnings as defined in the Wisconsin state statue but XXXX has appealed trying to use a unpublished appetite courts ruling as president for
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to update my personal information because this inaccurate information is affecting my credit profile negatively. I would like to get this resolved once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

have a hard inquiry made by the Institution Information XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX-XXXX
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Balance-
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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, 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 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

On XX/XX/2021, I mailed certified letters out to XXXX, Tran Union, XXXX, and XXXX requesting them to remove Dept of Ed/ XXXX XXXX XXXX in the amount of {$170000.00} off my credit report. I only heard back from XXXX but they did not provide the original indebtedness in its original form. 

( I am disputing this account according to the FCRA for reporting incorrect account numbers not matching with only one open date. ) I've asked them to provide me with the original instrument of indebtedness in its original form. There is no original contract or no original { INK } signature.
Product: Debt collection

Spoke to Collection and told them the debt is not valid as it has termination fee involve, XXXX also promised to waive termination fee due to a previous resolution from FCRA about some billing issue if i wanted to switch energy company. I was send a bill that XXXX charged me XXXX after i paid a XXXX fee after my XX/XX/XXXX previous disconnection notice, and i am being sent a {$97.00} bill by Convergent
Product: Credit reporting or other personal consumer reports

I value your help in removing a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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

I previously sent a letter to NC State Employees Credit Union, to let them know that I was a victim of identity theft and I also attach a police report and an FTC report to my letter that I sent to NC State Employees Credit Union. In their response letter they sent me back NCSECU said that after careful review of this dispute we are unable to investigate this claim at the time as the credit union has determined that your letter has originated from a credit repair but I'm the one who actually sent the letter to this company and no one else or any other company helped me out and the letter I sent them wasn't drafted on a form supplied by a credit repair organization.
Product: Mortgage

Immediately following my application I submitted a full document package with all requested materials, including a statement for the " use of funds ''. My loan took 14 weeks to process because the bank is insufficiently staffed to handle loan volumes. My loan was never decisioned within Reg B time limits ; the bank worked around this by sending me a request letter frequently for a " use of funds explanation '', something I provided numerous times, verbally and in writing. I was assigned 5 processors in the processor and could not contact anyone for help as I did not know who was servicing my file. 

A month after escalating issues to management, I noticed the Loan Consultant accessed my XXXX XXXX to obtain data about me which may have been used in the loan decision process as a formal approval was never received until the day before closing. Management asked me to provide this information, which I supplied, but I have not resolution on what was done with the copy of the XXXX XXXX I also asked a member of the management team to adjust my privacy preferences, and they indicated it would only be applicable to Home Equity, not elsewhere in the bank like I had asked. 

On Saturday after closing, I received an email saying my line was ready for use, which could not be correct as the loan was still in rescission until the following Tuesday. Numerous regulations are not followed, no follow-up or acknowledgement about my corporate complaint, and a bank is inadequately staffed to service its customers. Reg B and Privacy Regulators are not followed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
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 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting 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 XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 : Also states a consumer reporting agency can not furnish an 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

15 usc 1681 section 602 : states I have the right to privacy! 15 usc 1681 section 604A section 2 : it also states, a consumer reporting agency can not furnish a account without my written instructions 15usc 1666 B : a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose
Product: Debt collection

My ex-husband filed for bankruptcy on XX/XX/year>, and our divorce was final on XX/XX/year>. I am not included in the bankruptcy and did not file with my spouse, but the debt of {$460.00} from XXXX was included in my Ex-husband 's bankruptcy ( XXXX XXXX XXXX ). 

This debt does not belong to me and will need to be removed from my credit report as soon as possible. I learned that it was in the collection by my XXXX membership, not the collection company.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX of 2023 I was working with an agent of XXXX  at the time. I filled out an application online, but never went through with it. I found out later that the real estate agent XXXX XXXX had ran my credit without my permission or consent. I contacted her and asked her to have this removed because I never granted her permission to do so. XXXX XXXX stated she would contact all three credit borrows and have this information removed. Its been almost a year later and these hard inquiries are still on my credit. After contacting their customer service department, I was told there was nothing they could do because even though I didnt give consent for them to run my credit with an application being filled out, they had every right to do so, and I was also told that I cant see that information when doing so, but they can. I have an email from XXXX XXXX stating she was going to have these inquiries removed from all bureaus.
Product: Credit card or prepaid card

XX/XX/XXXX I opened a formal dispute to Barclays Bank of charges to XXXX XXXX XXXX in the amount of {$4700.00} for the months if XX/XX/XXXX through XX/XX/XXXX for services that were not rendered for a vacation resulting in a conflict of agreement with the merchant. XXXX XXXX XXXX failed to make contractual payments to the hosting facility ( XXXX XXXX XXXX XXXX XXXX ) resulting in breach of contract and the cancellation of the planned event. XXXX Getaways notified their patrons 24 hours before the planned event via email. I emailed XXXX XXXX several times but received no response to confirm that the event had really been cancelled and how to get a refund. I attached a copy of the email as documentation to Barclay 's for review. Hard Rock XXXX XXXX released a statement stating that Music getaways breached the contract and there were no rooms reserved for Music Getaway guests.- I submitted that documentation for Barclay 's as well. 
XXXX XXXX sent out several emails stating that they were at fault. I sent that documentation to Barclay 's as well. 
In all, I sent Barclay 's XXXX pages of documentation of the cancelled event to support my case. 
Barclays bank stated that the charges from XXXX XXXX  were vaild and that the merchant provided XXXX pages of documentation that a credit had been added to my account for future events. 

XX/XX/XXXX Second dispute to Barclay 's bank asking them to reopen my cases. I advised Barclay 's that I did not received tickets/nor credit from XXXX XXXX. I also in formed them that XXXX XXXX gave all customers the option to either receive a refund directly fom them or dispute the charges with his/her bank ( in which they would not contest ) or transfer to a future event. I provided documentation from the merchant 's website to support this claim. 
Barclays bank closed the case stating the the merchant provided me with a credit for a future event and they would not honor my documentation. They did not even review the additional documentation submitted. 

XX/XX/XXXX My third dispute to XXXX 's bank authorizing them to reopen my cases. I informed Barclay 's that XXXX XXXXs altered the original contract that was submitted to them. I provided a copy of the original for review. I elaborated that there is no information in the original signed document about a no refund policy/ nor a credit. XXXX XXXX submitted a fraudulent document to Barlcay 's Bank. XXXX XXXX has since wiped clean my account information and all future events have been cancelled. 
I also informed Barclay 's Bank that XXXX XXXX has since filed bankruptcy and I provided the filing number and number to the court. I am awaiting a response.
Product: Checking or savings account

XXXX of 2020 i had a number of transactions affect my bank accounts and my credit cards. 
unfortunately i had my wallet stolen as well. i have had my bank account loose about XXXX i have reported this with Wells Fargo but due to the loss of my identification i have not been about to recover. i have contacted life lock as well but since my account has been closed i have had no luck improving my situation other then my own due diligence