23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I pulled my credit reports a months ago and I notice an account was reporting that I was not aware of, I then reached out to the company. I requested proper validation that is 100 % accurate according to the FDCPA and FCRA. Nothing was provided for on each occasion. All I received was a print out of a debt that is said to be mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has violated my privacy on multiple occasion by contacting third parties without my permission. They are in violation of 15 USC 1692e for using my name in vain and for false representation of my information without my permission. Inaccurate information must be corrected or deleted. A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. They are now trying to report a fraudulent address. 
Section 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ). I HAVE NOT granted them access to report my information or discuss it with a third party yet they continue to do fraudulent and frivolous so called investigations. I am a victim of identity theft and CRAs are prohibited from reporting fraudulent information. 15 USC 1692F. 
They have been notified by certified mail : XXXX on XX/XX/XXXX and certified mail XXXX on XX/XX/XXXX. We are now prepared to take legal action if this is not resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to or authorized these inquiries
Product: Credit reporting or other personal consumer reports

I recently reached out to this credit bureau in XXXX, XXXX, and XXXX of this year XXXX regarding information and items on my credit profile that were inaccurate, outdated, and even fraudulent in nature. They only corrected a part of it and has continued to report the same wrong information. I have reached out to try to correct this a several times since my original request. They willfully neglect my requests for correction of the information and now I find myself needing to make this complaint.

According to Cushman v Transunion 1997, this credit bureau is required to ensure MAXIMUM POSSIBLE ACCURACY. Because they refuse to comply and remove the information that I requested to have deleted, my credit report violates these laws : 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ), and 15 USC 1666b .

I have incorrect names, address, phone numbers, employers, and inquiries which were allowed without a permissible purpose or written authorization from me. I feel violated and unprotected and have suffered loss as a result of their neglect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account status and balances inaccurate for XXXX XXXX - XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX  and has not been corrected after numerous attempts.
Product: Credit reporting or other personal consumer reports

Due to the data breach my information has been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report, some information is not mine. The following accounts and inquiries contain inaccurate information. Please investigate and verify the following information. If these accounts can not be verified please delete the derogatory remarks from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a Complaint last XX/XX/22 but I found out that my Complaints # XXXX, XXXX, and XXXX were closed. I am resubmitting my complaint today to update this suspicious information. I think the credit bureaus have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. Here is the unverifiable account found on my credit report : AXOS BANK XXXX Late Date XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of identity theft some one is using my information to apply for cards. Please remove all the inquiries
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX : {$610.00}
Product: Credit reporting or other personal consumer reports

I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuraces for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 
Here are the inaccuracies I have identified : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect balance or past due amount Instruction : The account balance of {$21000.00} is wrong, and so is the past due amount of {$0.00}. Please correct these inaccuracies or remove the account per FCRA accuracy guidelines. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect balance or past due amount Instruction : The account balance of {$12000.00} is wrong, and so is the past due amount of {$0.00}. Please correct these inaccuracies or remove the account per FCRA accuracy guidelines. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX Balance : {$1000.00}
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 : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX 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: Debt collection

Subject : Complaint Regarding GM Financials Reporting of Debt, Failure to Provide 1099-C, and Lack of Notification To Whom It May Concern, I am filing a formal complaint against GM Financial for their mishandling of my account, including multiple violations of federal consumer protection laws, continued negative credit reporting, and their failure to provide adequate notification or documentation regarding a debt they marked as a loss. 

After extensive efforts to validate this debt and resolve the matter directly with GM Financial, I have reached an impasse due to their persistent non-compliance with federal regulations. 

The specific issues are as follows : Failure to Provide Required 1099-C Documentation : GM Financial declared this debt as a loss but failed to issue a 1099-C form, as required under the Internal Revenue Code ( IRC ), Section 6050P. This lack of documentation prevents me from understanding and addressing the tax implications of their actions.

Denial of My Right to Dispute : GM Financial did not notify me of this debt or provide an opportunity to dispute it, violating the Fair Credit Reporting Act ( FCRA ), Section 611, and the Fair Debt Collection Practices Act ( FDCPA ), Sections 807 ( 8 ) and 809 ( a ). 
Lack of Notification : I was never informed of the alleged debt or given any warning regarding their intent to report it negatively on my credit file, in violation of FCRA, Section 623 ( a ) ( 7 ), which requires furnishers to notify consumers before reporting negative information.

Improper Credit Reporting Practices : Despite marking this debt as a loss, GM Financial continues to report it negatively on my credit report, violating the FCRA, Sections 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which require accurate reporting and proper investigation of disputes. 
Impact on Me : These violations have significantly damaged my credit standing, created unnecessary financial hardship, and caused emotional distress. The absence of proper notification and documentation has also deprived me of the ability to address this matter in a timely and informed manner.
Product: Credit reporting or other personal consumer reports

REPORTING ACCOUNT THAT DOES NOT BELONG TO ME ON CREDIT REPORT. THE XX/XX/XXXX ACCOUNT AND BALANCE DO NOT BELONG TO ME. FRAUD/IDENTITY THEFT. IDENTITY THEFT POLICE REPORT AND LETTERS ATTACHED TO REMOVE ACCOUNT.
Product: Debt collection

I recently contacted Hillcrest Credit Agency in regards to a collection on my credit report requesting that they Validate my debt. They Im fact did not in a timely manner. They sent me a letter that is attached stating that under the Fair Debt Collection Practices Act, there is no duty to provide verification after the 30-day validation period has expired
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I notice I had fraudulent accounts on my report. Please remove these accounts off my report, they are hurting my ability to obtain credit.
Product: Credit card or prepaid card

On XXXX XXXX,2022 I got a call from someone who stated that they were with wells fargo fraud department and they needed my address and date of birth to verify my account as someone named XXXX had stolen my identity and opened up a wells fargo account in my name. The person stated that that the police had caugto XXXX XXXXXXXX and that I would be contacted due to the identity theft and fraud activity. Once i gave the person my name, date of birth and house address I immediatly got an email that a credit card from wells fargo had been opened up in my name and I was beyond XXXX off because the person that called me pretendig to be wells fargo was a scammer who used my information to open a wells fargo credit card in my name. I immediately looked up wells fargo credit card department on line and told them what had just happned and they verified that I had been scammed as someone had opened up a wells fargo credit card in my name and it was identity theft and I never applied for a credit card so now I have a hard credit inquiry on my credit reports regarding this. I immediatly told wells fargot to close the account, dont send out a credit card and to make sure that the scammer cant acccess anything on my credit report. I also placed a credit freeze on my XXXX XXXX  and XXXX reports so that the scammer couldnt open anymore account or cards in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information including social security number, address, and other personal information has been exposed in multiple data breaches and has resulted in identity fraud. Someone has gotten a hold of my informationand is using it to fraudulently open accounts in my name. I just got a copy of my credit report and examined numerous fraudulent account on my report. These events have devastated my life.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. 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. These accounts XXXX XXXX XXXX and Alleged Account XXXX XXXX, ], are not complete and accurate. 

I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number XXXX They not did send back send me anything back at all. 


And according to nd 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 this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

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. 

Check attachment below.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following is a letter sent to XXXX XXXX XXXXXXXX : Mortgage XXXX : XXXX XX/XX/2022 Recently we received notices from the credit bureaus that XXXX XXXX  XXXX reported a past due balance on our mortgage loan. The amount noted as past due is {$130.00}. 
Our loan has been on a repayment plan for the past 4 months starting in XX/XX/2022 through XX/XX/2022 and have honored the plan paying {$580000.00} each of those months. Not once were we notified that {$130.00} was past due!! What is the past due amount for? 
This action by your institution has caused significant damage to each of our credit ratings. We would like to come into XXXX of your branches to speak to someone in person about this situation and find a solution to correct the error. XXXX XXXXXXXX and XXXX XXXX have not lived here for many years and have not been nor are they currently responsible for repaying this mortgage. To date your bank has refused to remove their name from the account. To reiterate your action to prematurely and incorrectly report us to the credit bureaus without just cause and without prior notification to us that any balance was due has had an immense damage to our credit reports that we have worked so hard to build up. Your immediate action on this matter is requested. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX
Product: Bank account or service

Issue # 1- JP Morgan Chase Bank filed a claims without my authorization, although on phone call, I clearly and repeatedly stated that I did not want a claim filed. This cause my XXXX bill to go unpaid and my account to be in suspension. When asked to send a letter to the merchant to exhort me and state that it was a bank error, they categorically declined my request by saying it is not bank protocol to send out letters to merchant of any sorts. 

Issue # 2- Same Chase Bank erroneously sent my water bill payment to my address. I called them to notify them of the error and they could not pinpoint how such error came about and suggested to put a stop payment on the check although the check was in my possession. I informed the representative with whom I was on the phone that I would report to the bank in the morning to return the check and get the funds back on my account. Upon my arrival, the director informed me that no such thing could be done because of the stop payment placed on the check. I had to wait 5 days for the process to take place before funds can reflect back on my account. Again, their action placed my water payment in delinquency status. Chase Bank, again failed to take action for their wrong doing and refused to honor me with a letter explaining the error committed by the bank.
Product: Student loan

According to the Dept. of Ed., based on the date I applied for SAVE my application ought to have been processed by now, and I should have a $ XXXX. payment. Aidvantage placed my account on administrative forbearance until XX/XX/XXXX to allow them time to process my IDR application, which Aidvantage claimed would be processed between XXXX XXXX, and a borrower incentive program suspension notice, meaning not only is interest accruing, but it's a much higher rate than before the forbearance in part because I lose the little interest reduction I got for using Auto Pay. I tried to make a manual payment to at least cover some of the interest, but instead get a 403 error. Since I started in XXXX I haven't been able to get in contract with an agent on phone or Live Chat ( both are equally as awful -- hours of being on hold only to be hung up/disconnected, and when I'm given an option for a call back I never get one ), and it takes anywhere between one and three weeks to get a response via email, which is just a blanket forum reply that doesn't answer my original concern. As of today, XX/XX/ XXXX XXXX I've been on the phone for over three hours only to have just been hung up on again. Are these loan providers just using this forbearance to keep interests accruing for all us borrowers that should otherwise have a $ XXXX. payment?
Product: Credit card or prepaid card

I had an issue with my XXXX Pre-Paid Debit Card ( issued by U.S. Bank National Association ) yesterday evening ( XX/XX/21 ) while attempting to order food through XXXX  XXXX. I attempted to use the card several times before I found out that XXXX XXXX had been hacked. Due to the repeated attempts, my debit card was locked. I called the Customer Service several times ( XXXX ). I was told that because of the number of attempts to use the card, it would be locked for a maximum of 24 hours. Even after verifying that all of the attempts were made by me and that there was NO fraud taking place, they STILL refused to unlock my card, REFUSED to let me speak to ANYONE above the supervisor. I attempted to use the card today ( XX/XX/21 ) and the card was still locked. I called Customer Service again this morning at XXXX, and was told that the card would be unlocked in an hour. I went to use my card well AFTER that hour and my card was declined. I called Customer Service AGAIN and was told that because I attempted to use the card again, it reset the 24 hour lock and that there was NOBODY that could unlock my card, because it was done by an automated system. I was lied to by the female employee who told me that my card would be unlocked. I know full well that the card can be unlocked, yet they REFUSED to unlock the card, REFUSED to allow me to speak to anyone above the supervisor. This is completely UNACCEPTABLE. That is MY money on that card and I REPEATEDLY verified that NO fraud had taken place. After this 24 hour " lock '' is completed, I am removing all money from this card and will NEVER use it again. I am also taking to social media and telling everyone how this company treats its customers.
Product: Debt collection

XX/XX/15 I logged online to WESTLAKE PORTFOLIO MANAGEMENT ( https : //www.wpmservicing.com/ ) after recieving mail-notification that I had missed a car payment. This is a debt collector the original auto loan servicer sold the loan to, so they are collecting the same monthly payments. 
Upon logging in I paid {$370.00} which should have more than covered the $ XXXX monthly payment and a {$25.00} late fee. I called them afterwards to adjust my due date, and realized it wouldn't have helped, but the associate informed me that " paying more towards your bill won't satisfy the late fee ''. They told me that to make a paymen that satisfied the late fee I have to CALL THEM because " they have a button they need to hit ''. 
There was no reasonable way for a consumer to know this until they called in to the customer service line, however they make it easy to automatically deduct funds directly from my bank account online - by far the most preferred method of paying bills from any consumer. 
The wrong here is that even though I've paid MORE than expected to bring my account current there is STILL a late fee on my account. The associate didn't even offer to apply the overage payment towards the late fee, he just said it'll apply to my future payments. 
XXXX XXXX XXXX was struck with a UDAAP violation ( I worked there at the time ) for having the same billing practice where if the customer didn't satisfy the late fee, they'd continue to hold the account in late/delinquent status. 
They also call +6 times a day the first day it falls late.
Product: Debt collection

Account is listed as open with a past due balance of XXXX and in collections, This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want my free annual credit report and or a complimentary credit report from all three credit bureaus. the reason for this request is updated info and victim of three scams online including fraudulent charges and identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent unknown accounts from myreport as soon as possible. CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX DEPTEDXXXX XXXX {$8500.00} DEPTEDXXXX XXXX {$3400.00} DEPTEDXXXX {$17000.00} DEPTEDXXXX XXXX {$17000.00} DEPTEDXXXX XXXX {$3700.00}
Product: Debt collection

I keep receiving text messages from them. I have submitted the stop text 4 times now but they still keep texting
Product: Money transfer, virtual currency, or money service

PayPal locked and limited 2 accounts of mine for 180 days. One account with {$18000.00} in it and one with {$9600.00}. Both accounts only had 1 chargeback ever and I won both cases on the accounts. Whenever I called PayPal the said for both accounts it was due to " Quantity Suspicions ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$260.00}, XXXX XXXX Balance : {$940.00}, XXXX XXXX Balance : {$460.00}, XXXX XXXXXXXX Balance : {$540.00}, XXXX XXXX Balance : {$200.00}.