23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In a

ccordance 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. 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

I have reviewed a copy of my report and noticed ghastly information on my report. According to The Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681, It is my understanding that you will reinvestigate this account within a timely manner. 
Referenced account : XXXX XXXX XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

I received a letter from XXXX  XXXX dated XX/XX/2020 stating that my credit card account with a balance of {$470.00} was acquired by Portfolio Recovery Associates LLC on or about XX/XX/2020. 

I received a letter from Portfolio Recovery Associates LLC dated XX/XX/2020 stating that they purchased my account on XX/XX/2020. 

This is a violation of 15 USC1692 ( g ) ( a )
Product: Credit card

Citibank advertises Military Lending Act benefits which was the reason I got the card. I was told the annual we would be waved within the first XXXX  months. With an assistant we have submitted XXXX different claims and each have been denied stating I am not in the military. I provided the XXXX printout and everything asked but they keep saying their system says Im not in the military. I even gave them the reference to my Citibank government ( military ) travel card. Needless to say I have a couple more months before I cancel as the fee is {$490.00}. I never would have gotten it without their advertised benefit.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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/year>
Product: Debt collection

I gave all XXXX credit reporting agency 's over 60 days by certified mail and did not get my original signature of the accounts to finds its validation but not verification but the 3 rd party and the XXXX credit bureaus are violating my privacy rights under hipaa law on ongoing dates I never signed or gave written hipaa release to this 3 rd party collector to get all my medical information that 's invasion of privacy I contacted and filled out a complaint with XXXX online also.
Product: Credit card or prepaid card

On XX/XX/XXXX Bank of America contacted me questioning charges on my account.I told them I did not authorize the 4 charges.Bank of america then deleted my old credit card and issued me a new credit card. The following month BOA charged me for one of the fraud charges of {$84.00} which I deducted from thee bill.I have spoken to BOA they insist I pay the {$84.00} also I tried calling XXXX XXXX ( {$84.00} ) the phone number " is no longer in service '' I will deduct the {$84.00} plus the interest charges from my current bill I have had this card since XXXX.on the attached copies I have encircled the amount in dispute
Product: Debt collection

This company, Tower Loan, calls continuously. XXXX XXXX XXXX has accepted this account for {$3100.00}. XXXX told me to change my information to their contact information and ignore the phone calls ; however, when I did this, Tower Loan left a voicemail stating that " They do not work with debt recovery agencies, and if payment is not received, you will be sued. '' On XX/XX/2023, they showed up at my home and left a statement in an unstamped envelope at my door. The calls are excessive, but XXXX said to continue to ignore them. I was advised by someone local to submit this report to CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor.

I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and Metro 2 format method ignoring to report. 

Please see attached documents of proof of me sending the letter. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very serious that you please investigate and resolve as this is destructive to my character and is obstructing my potential to obtain loan.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX XXXX correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an XXXX XXXX account showing in collections on my credit report. The account has a {$0.00} balance. When I call XXXX XXXX they have no record of an account in my name or under my SS number. I want this taken off my credit report.
Product: Checking or savings account

On Thursday, XX/XX/2021 I had an issue where I could not access my checking account transactions online or through the mobile app. I was able to log in and reveiew transactions for all of my connected accounts except for my account ending in XXXX. On Friday, XX/XX/XXXX, I sent a message throught the mobile app inquiring about what I was experiencing. I explained that I wasn't only experiencing this through the mobile app, but also when I logged in online. I sent screenshots of what I was experiencing. On Saturday, XX/XX/2021 I received the following repsonse : " Thank you for using Navy Federal 's eMessaging Service, XXXX XXXX. Navy Federal Online Banking is designed to reflect up to a certain number of transactional entries. For most members, this limit is sufficient to cover all transactions that are completed ; however, you exceeded the allowable data limit that can be reflected within Online Banking. You will be able to see your transactions again once your statement is generated unless the data limit is exceeded again. The Available Balance listed on the main screen is correct. If you have further questions, please let us know. '' I then responded on Sunday, XX/XX/2021 that should be no way that I should not be able to review any of my transactions prior to the statement date and that I have never heard of such a thing as Navy Federal is the only financial institution that I have experienced such a thing with. Whomever responded then stated that Navy has designed their system to only reflect up to a certain number of transactions within a statement cycle and to them this is sufficient for most members. Navy Federal doesn't mention this in any of their member documents or account policy documents.
Product: Debt collection

Professional Med Adj Bur is trying to collect a medical bill from me that I do not owe. I have told them that I had medicaid that paid for my prenatal care. I have even given them the medicaid number, to no avail.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX AND EQUIFAX consumer report and I noticed some late payment posted on my consumer 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 XXXXXX/XX/year>
Product: Debt collection

Repeated calls within a 24 hour period, violating FDCPA statutes regarding collection tactics.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Monthly Reporting of Charge-Off Account Dear Experian, I am writing to formally dispute the ongoing reporting of a charge-off account that is adversely affecting my credit report. 

The details of the account in question are as follows : - **XXXX XXXX XXXX  : ** - **Account Number : ** XXXX - XXXX of XXXX : ** XX/XX/XXXX It has come to my attention that this charge-off is being reported to your agency on a monthly basis, representing it as a current negative account rather than a historical one. According to the Fair Credit Reporting Act ( FCRA ), charge-offs should not be reported as active negative items indefinitely, as they are expected to reflect the original delinquency date and should not be re-aged. 

Continuously updating this charge-off each month misrepresents my credit history and unfairly impacts my credit score. I respectfully request that you conduct a thorough investigation into this matter, review the reporting practices associated with this account, and take corrective action to ensure accurate reporting per FCRA guidelines. 

Please provide me with confirmation of receipt of this letter, along with the steps you will take to resolve this issue, within 30 days. If this inaccurate reporting is not rectified, I may need to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) or seek legal recourse to protect my rights as a consumer. 

I appreciate your prompt attention to this matter and look forward to your timely response. 

As a result of these violations, I am entitled to seek damage as specified under the FCRA. Therefore, I hereby demand compensation of {$1000.00} for each violation committed. This claim is made in accordance with 15 U.S.C. 1681n, which allows consumers to seek statutory damages for willful noncompliance with the FCRA. 

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

This company indulge in other businesses notes at less then 60 % or more from original loan and try to make millions out of thousands. This people bought note of my XXXX XXXX loan for secured equipment finance my business failed to pay XXXX XXXX due to XXXX in 2020 and I was making small payments after this crooked company took over and then I defaulted because i got XXXX XXXX XXXX XXXX could not work and I requested more time to pay but to my surprise they hired an attorney in Florida who have only XXXX XXXX reviews who seems to be dishonest like this people and he was negotiating with my debt consolidator and in background started court proceeding and without summon or notice to me he got judgement and now trying to Garnish my personal account. A simple example will explain my situation when you buy car on finance and if you default they reposes the vehicle and same thing i told this XXXX People that business failed and I have this equipment which was originally financed by XXXX XXXX which is secured finance against the equipment but they refused to take back that laser Machine which is still I have it in my possession. And they sued me for the business went in loss and closed due to XXXX the debt of {$6000.00} they got judgement of {$30000.00} AND ON TOP OF THAT THEY HAVE PUT {$24000.00} AS COLLECTION ON MY TRANS UNION CREDIT BUREAU they went all out to destroy me their intentions is not to collect money but getting big Judgements and recover big money from their insurance company This company have many similar complaints on XXXX XXXX XXXX XXXX site which proves this company is doing wrong and damaging individual and small business and families with wrong reporting and judgements
Product: Credit reporting or other personal consumer reports

I filed a previous complaint on the company due to their payment system being broken and them harrassing me with calls. I have had nothing but issues trying to make a payment. They have since retaliated against me due to my first complaint have locked me out of the system to make payments. They use a third party vendor for payments and I have filed a complaint against them due to them hanging up on me because the agent was telling me how she never misses payment and was being rude and condescending. 
I have emailed Ally multiple times and they do not respond. I have also asked for a copy of the complaint more than 30 days ago and they have yet to respond. They are retaliating against me for my first complaint and making my life miserable.
Product: Credit card or prepaid card

I would like to file a complaint against XXXX XXXX XXXX XXXX XXXX Credit Card which is administered by Comenity Capital Bank for its fraudulent practices and predatory late fee charges. 

On my XX/XX/XXXX statement ( Exhibition XXXX ), I was charged {$25.00} late fee for an amount of {$650.00} due on XX/XX/XXXX in accordance with the XX/XX/XXXX statement ( Exhibition XXXX ), however, for being received on XX/XX/XXXX. This is the first time I have ever been charged with a late fee since Comenity Capital Bank took over in XX/XX/XXXX. As you can see in my XXXX XXXX XXXX Bank on-line banking record ( Exhibition XXXX ), I paid off the full amount on the XXXX day of the previous month which always arrived before or on the XXXX day of the due month for this credit card. There was never an issue of lateness before for this or other credit card, however, my XXXX payment mysteriously arrived XXXX  days later. I contacted the Customer Service by dialing XXXX to ask for the {$25.00} back on XX/XX/XXXX but in vain. 

The Comenity Capital Banks fraudulent practices is hair raising, to say the least. As shown in the XX/XX/XXXX statement ( Exhibition XXXX ), I was asked to pay {$1300.00} due on XX/XX/XXXX in a separate e-mail ( Exhibition XXXX ) sent out on XX/XX/XXXX. Without realizing I had already paid the bill, I paid the amount again on XX/XX/XXXX which can be seen in my XXXX XXXX XXXX Bank on-line banking record ( Exhibition XXXX ). As you can see in the XX/XX/XXXX statement ( Exhibition XXXX ), Comenity Capital Bank now owes me {$130.00} for the bill due in XX/XX/XXXX. I hope this kind of very damaging fraudulent practice can be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts below have violated my rights. 

1 ) XXXX Account Number XXXX XXXX Reported Balance {$0.00} XXXX ) XXXX  Account Number XXXX XXXX Reported Balance {$350.00} XXXX ) DEPT OF ED / XXXX Account Number XXXX XXXX Reported Balance {$39000.00} XXXX ) DEPT OF ED / XXXX Account Number XXXX XXXX Reported Balance {$4700.00} XXXX ) DEPT OF ED / XXXX Account Number XXXX XXXX Reported Balance {$950.00} XXXX ) DEPT OF ED / XXXX Account Number XXXX XXXX Reported Balance {$4800.00} XXXX ) DEPT OF ED / XXXX Account Number XXXX XXXX Reported Balance {$950.00} XXXX ) DEPT OF ED / XXXX Account Number XXXX XXXX Reported Balance {$3800.00} XXXX ) DEPT OF ED / XXXX Account Number XXXX XXXX Reported Balance {$8300.00} XXXX XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$3100.00} XXXX XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$7700.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX Reported Balance {$4000.00} XXXX ) XXXX XXXX Account Number XXXX XXXX Reported Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$0.00} XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX Reported Balance {$0.00} XXXX ) XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$610.00} XXXX ) XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$1000.00} XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX Reported Balance {$680.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number xxxxxx XXXX Original Amount Owed {$230.00} XXXX ) XXXX XXXX XXXX XXXX XXXX Account Number xxxxxx XXXX Original Amount Owed {$220.00} XXXX ) XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX Original Amount Owed {$470.00} XXXX ) XXXX XXXX XXXX Account Number XXXX XXXX Original Amount Owed {$160.00} XXXX ) XXXX XXXX XXXX Account Number XXXX XXXX Original Amount Owed {$170.00} XXXX ) XXXX XXXXXXXX XXXX  Account Number xxxxx XXXX Original Amount Owed {$52.00} 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

XX/XX/XXXX, I looked at my report. I sent a letter to all bureau on XX/XX/XXXX asking them to reinvestigate these accounts : XXXX  XXXX XXXX {$2000.00}, XXXXXXXX XXXX XXXX {$13000.00}, XXXX XXXX XXXX XXXXXXXX {$60000.00}, XXXX XXXX # XXXX {$340.00} XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In 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 ( 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 1681eb they are supposed to ensure this ( b ) Accuracy of report 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.

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report 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. 

XXXX, XXXX, Equifax really did not reinvestigation they lied on an official document saying they did something they did not do, and I have evidence to prove my case
Product: Mortgage

I was provided inaccurate information ( lied to ) and told that Rocket Mortgage has a product to buy a house of $ XXXX with an LTV of 80 %. Based on that I gave permission to pull my credit. However, after pulling my credit the same mortgage broker said for $ XXXX we need a LTV of 75 %. 

The brokers name is XXXX XXXX of Rocket Mortgage. 

My family will have no house to live in and my credit score were hurt by this action.
Product: Credit reporting or other personal consumer reports

Midland mortgage violated code 15 U.S. Code 1681b - Permissible purposes of consumer reports. Midland mortgage did a soft inquiry on my credit report XX/XX/XXXX. I did not owe a debt to them at this time and I never authorized any written permission for this debt collector to pull my credit report. On my transunion credit, it shows a soft inquiry. Its listed as MIDLAND CREDIT MANAGEMENT Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> my significant other had my car towed to XXXX XXXX XXXX  due to an incident at XXXXXXXX XXXX XXXX wreaking the transmission. So all gears locked up and couldnt drive it we spoke to XXXX XXXX XXXX about the cost I needed help my fianc has XXXX and we dont have a lot of finances and I only have a vehicle so I needed to get to work a man named XXXX told us we could apply for a loan through this company and make payments to get the car fixed by our surprise I was approve for some and my Finace was approve for the remaining after sometime we spoke to a manage XXXX XXXX XXXX were getting to expense when we were emailed the loan papers we found how high the interest was and they wanted payments weekly very high payment which made us late for our rent and now up against loosing our apartment weve been in 17 years never late due to threats or payment garnishments taking the car we cant live anymore because of these people we contacted the compliany and again explained this was horrible and how can they do this its impossible by the time Im done with my loan I will have paid about XXXX thats just myself and my girl is so sick that this is wrong with he only on XXXX we need help we went to 211 for help and they suggested you this is or should be illegal really how they fraud if us and so many others we need help and I hope you can help us