23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On or around XX/XX/year> a summons with attached complaints which was filed within the County Court, XXXX XXXX, Mississippi by Jacob Law PLLC in reference to their principal XXXX XXXX XXXX. XXXX XXXX has a business model of purchasing portfolios of debt for a significant reduction of the face value of said debt. XXXX has operated in this type operations over the years with multiple other entities and most with some tether of ownership, or operational structure with XXXX. 

The Fair Debt Collection Practices Act ( " FDCPA ''. ) 15 U.S.C. 1692 et. seq., provides protections for consumers, and also requires strict adherence to the sections of the statute by companies whose business nature involves collections of debt. Both XXXX XXXX, XXXX, and Jacob Law Firm, PLLC meat that definition and as such are required to operate within the four corners of the statute. 

There was never a demand notice as required in section 809 of the FDCPA sent to my home address by either XXXX XXXX, nor its collection agent, Jacob Law, the first notice of their purported ownership, and collection activities therein was their lawsuit filed against me. 

These actions can be construed as violations of the FDCPA, and using the courts without following the directions of the statute seems to be a pattern in which both the purported principal and its agent have run afoul with the courts and this governing body in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : Attached
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my formal complaint to TRANSUNION for taking no actions on correcting and removing the fraudulent accounts that are still reflecting on my credit report and continue to damage my reputation. I sent out dispute letter to them last XX/XX/2022 but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts. 
Secondly according to the 15 USC 1681.The law clearly states. 
1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF ED/XXXX  XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX  XXXX XXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF ED/XXXX  XXXX XXXX DEPT OF ED/XXXX  XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # # DEPT OF EDXXXX XXXX XXXX DEPT OF ED/XXXX XXXXXXXX XXXX DEPT OF ED/XXXXXXXX XXXX XXXX ATTORNEY GENERAL-CHILD SUPPORT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

15USC 1681 ( a ) ( 4 ) A consumer has the right to Privacy- There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting or other personal consumer reports

I have requested investigation that my credit report is inaccurate. Investigation came back from TransUnion as a un-verified XXXX XXXX account and its not on my report, but this in fact still remains being reported on my credit file. I have attached feedback response this is to be deleted immediately
Product: Vehicle loan or lease

We had financial difficulties in the middle of XXXX. I contacted GM to get assistance with our truck loan. I spoke with them and explained that the unexpected medical concerns related to the birth of our child during XXXX minimizing wages, along with having to pay the deductible on a hit and run accident on the truck ( which they were supplied copies of the police report and insurance documentation ). I made arrangements with them on repayment and was never advised that those payments were not sufficient. I paid according to the schedule that was discussed with representatives on the phone. NEVER ONCE was I advised that we were subject to repossession of the truck. They led me to believe that the payment arrangement that was set was okay. The truck was repossessed. Family members did assist us with getting the truck paid off and it was redeemed. It should have been communicated to me that the arrangements that were set were not " official '', which is what I am being told NOW. Not only that, but they have also now updated my account to show on my credit that it was repossessed/past due and will not update! I have tried to contact them and consistently get referred to XXXX XXXX ( Customer Advocate ). She called my wife and was very rude to her. Indicating that she should have been smart enough to know that payments arrangements are not official when you sign a loan document. She stated that they are not required to do so, which I believe is absurd. Why would you not want to make sure your customers are fully informed? I just wish they would have explained this before making arrangements with us. We would have contacted our family to assist in the meantime but instead relied on the company to be truthful in their communication. I have asked for detailed account information on the account. I was denied account notes/payment arrangement documentation and any record of " promise to pay '' ( citing that they are not required to provide that ). I was informed that the payment history would be sent and no record of that. I have not been ever late on the account since.
Product: Credit reporting, credit repair services, or other personal consumer reports

My previous CFPB complaint ID is XXXX. ( TRANSUNION ) XXXX. ( XXXX ) XXXX. ( XXXX ) Also, XXXX XXXX  Account Number : XXXX CFPB Case Number : XXXX I will file a complaint again because it has not been resolved yet. Anyhow, I have received a confirmation letter from XXXX XXXX on XX/XX/XXXX. 

They told that In your letter, you indicated our credit furnishing is still showing as Settled in Full. We regret any inconvenience this matter may have caused. As a result of your inquiry, we have asked the credit reporting agencies to update their records regarding your XXXX auto account to reflect it as Paid in Full ''. 

But after 30 days I looked at the credit reports for each agencies and found out that they were still not yet correct. 

Please, refer the following statements to my previous complaints. 

- XX/XX/XXXX ; XXXX XXXX was charging $ XXXX for Excess Wear & Tear, after returning leased car. 

- XX/XX/XXXX ; Made for Total Settlement Amount Due {$1200.00} ( Account Balance {$1600.00} ) Payment Installment Plan with XXXX XXXX Down Payment Promise Date XX/XX/XXXX - {$610.00} ( Paid on time ) Final payments @ {$610.00} XX/XX/XXXX {$610.00} ( Paid on time ) Total Payment Installment Plan : {$1200.00} -XX/XX/XXXX ; XXXX XXXX credit report to Potentially Negative Account with late payment. 

- XX/XX/XXXX XXXX XXXX sent confirmation mail, " XXXX has been settled and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 

-XX/XX/XXXX Made a phone call with XXXX XXXX discussing why my credit report was negative when I already payed off the settlements on time. The reply was if I paid off my remaining balance, the credit report wouldn't be negative anymore. 

-XX/XX/XXXX *Payed off remaining balance of {$400.00}. 
XXXX XXXX sent confirmation mail, " XXXX is now satisfied and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 
*Credit report remained negative even after receiving these confirmation letters. 
*Made a call to XXXX about this issue ; wasn't given a solution. 

-XX/XX/XXXX *Disputed to 3 Credit Bureau for issue ( See above ). 
*Received dispute result from XXXX  XXXX " Completed investigation of FCRA dispute - consumer disagrees '' AND TRANS UNION XXXX " DISP INVG COMP-CONSUM DISAGRS ; >SETTLED-LESS THAN FULL BLNC< ; CLOSED. '' * Also, XXXX  " Account paid for less than full balance. '' Thank you.
Product: Credit card or prepaid card

I made payment on my Valley Bank credit card by depositing same at the Post Office in XXXX where the Valley Bank has a branch. I was not able to make a deposit at the branch because the branch was closed because of the coronavirus pandemic. I subsequently learned that the Valley Bank branch in XXXX XXXX was also closed. 

NOW VALLEY BANK IS HITTING ME WITH A {$28.00} LATE FEE. THIS IS APPALLINGLY UNFAIR AS I MADE A GOOD FAITH EFFORT TO MAKE PAYMENT ON TIME BUT THE FACT IS THAT THE VALLEY BANK BRANCH IN XXXX WITH WHICH I NORMALLY DO BUSINESS AND WHERE MY BANK INFORMATION IS STORED WAS CLOSED BECAUSE OF THE CORONAVIRUS. 

I WROTE TO THE CFPB THE VERY DAY I DEPOSITED SAID PAYMENT BUT RECEIVED NOT ONE WORD FROM THE VALLEY BANK! 

MOST DISHONORABLE AND MOST UNFAIR!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX XXXXXXXX Account number : XXXX, XXXX XXXXXXXX Account number : XXXX, XXXX XXXX  Account number : XXXX, XXXX XXXXXXXX Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX  XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX Account number : 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: Credit card

Destiny XXXX, issued by XXXX XXXX, placed a block on a recently issued card though I have never used the card. XXXX says the block was issued due to security concerns, but will not disclosey what activity has taken place to trigger the block. 

To remove the block, XXXX asked me to fax them information, specifically a copy of my passport, to prove my identity. I did so, and XXXX refuses to lift the block because the passport was not signed. Nonetheless, they charged a {$170.00} XXXX XXXX on the account. 

I filed a complaint with the XXXX XXXX XXXX  and XXXX agreed to waive the {$170.00} fee and close my account. 

However, XXXX refuses to disclose the activity which led them to put a security block on the account, claiming this information is " proprietary ''. My bank will proactively call me and tell me precisely about any suspicious they detect on my account ... plus these issues can be resolved over the phone. XXXX can't explain or detail suspicious activity ( because it is proprietary? ) and they can resolve only by collecting highly sensitive documentation like passports and drivers licenses? 

The only thing I would add is that there are dozens and dozens, hundreds even, of stories just like min on the internet, on the XXXX  website, on XXXX. XXXX is doing this to many, many people, soliciting sensitive documentation from vulnerable people and not delivering a credit card these people can use.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against TransUnion due to their failure to address a dispute letter I sent them on XX/XX/year>, via USPS certified mail tracking # XXXX. In the letter, I requested an investigation into inaccurate items on my credit report, including entries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and two bankruptcy references. 

Additionally, I disputed incorrect personal information listed on my credit report and provided copies of my photo ID, social security card, and recent bill with my current address to assist TransUnion in verifying my identity and address. 

TransUnion responded on XX/XX/year>, stating that they received a request containing my information but could not verify its authenticity. They emphasized their commitment to privacy and security and mentioned that they would not process requests unless they came directly from me or an authorized third party. 

This response indicates a failure on TransUnion 's part to conduct a reasonable investigation upon receipt of my dispute, as required by the Fair Credit Reporting Act ( FCRA ). It is their obligation to verify the accuracy of the information in my credit report, and their failure to do so constitutes a violation of my consumer rights. 

Enclosed with this complaint are copies of my dispute letter sent to TransUnion, USPS certified mail proof of delivery, and TransUnions response as proof.
Product: Credit card or prepaid card

Took our car in for service to XXXX XXXX on XX/XX/XXXX and our bill was {$980.00} which was charged to our Chase credit card. On XX/XX/XXXX, two more charges appeared on our credit card which we never signed for, NOR AUTHORIZED, charges were {$900.00} and {$980.00}. On XX/XX/XXXX, XXXX add'l charges appeared on our card which we never signed for nor authorized in amounts of {$980.00}, {$2700.00}, and {$890.00}. On XXXX an additional charge of {$1800.00} was charged fraudently to our card which we never signed for, nor authorized. We had one legitimate charge on XX/XX/XXXX for {$980.00} for work that was never even completed on our vehicle. Every other charge is fraudulent and when we disputed it with Chase, they initially reversed the charges, but several months later came back and said that they proved all charges were legitimate, which we never signed any statements for, nor could they ever provide any proof that we signed for anything. We had one legitimate charge on XX/XX/XXXX for {$980.00} only! We disputed this several times and Chase refused to reverse these fraudulent charges. To this day, we have not gotten any resolution and were being charged interest and late fees if we did not pay the amount in full.
Product: Credit reporting or other personal consumer reports

Flagstar Bank is reporting serious delinquencies on my credit that need to be removed. My account from XXXX XXXX XXXX  was transferred to Flagstar last year. I never had an issues with XXXX as my account was set on auto draft. However, once switched to Flagstar, I made sure to set the account on auto pay in XXXX and that was being drafted every month until XXXX when I suddenly noticed they stopped so I went in and made the payment and set the account on auto draft again. It didn't do it again in XXXX So I made the payment and set up auto pay where it was drafted XX/XX/XXXX. I figured it was done and I received a text saying that I successfully made changes to my account. However, Flagstar never drafted my payment after and made no notification to me. The funds were in my account and for some reason never drafted. I called Flagstar to get this sorted and they all give me a different story including that I applied for Forbearance??? I never ever did as I never needed it! Even now, I can not set up my account on auto draft. Surely something is wrong with their system, I paid up my account now and got current but they need to sort out their system because this was not my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act Experian and XXXX are reporting inaccurate information on my credit report from furnisher XXXX XXXX XXXX  account # XXXX which is a major United States Consumer Credit Reporting Violation! 
The balance being reported on my Experian Credit Report is showing {$1000.00} and from the same account, XXXX is Reporting the balance as {$10000.00}, this is a major violation, Also on the same account Experian is reporting the High Credit {$16000.00} and on this same account XXXX is reporting the High Balance as {$10000.00} which is another FCRA violation!, Also Experian is reporting the date last reported as XX/XX/XXXX, and XXXX is reporting the Date last reported as XX/XX/XXXX which is another FCRA violation!, also Experian is reporting the Date Last Active is XX/XX/XXXX and XXXX is reporting Date last Active is XX/XX/XXXX which is another FCRA violation!, Also Experian is reporting Date of Last Payment was XX/XX/XXXX and XXXX is reporting Date of Last Payment was XX/XX/XXXX which is another violation of the FCRA! also both agencies have not put the status of the account as " In Dispute '' which is a Violation! XXXX has followed the law and deleted this account for inaccurate information while Experian and XXXX are still reporting this account inaccurately and it should be deleted from my credit report immediately! Also 15 U.S.C. 1681 Section 602 A. States I have a right to Privacy, Also this account is reporting inaccurate name, address, and phone number associated with this account which is another Violation.
Product: Credit reporting or other personal consumer reports

This is a follow up complaint to Equifax from XX/XX/year> about incorrect/inaccurate or missing information on my credit report with accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax has closed multiple disputes that falls within 30 days WITHOUT SENDING ME THE RESULTS OR ALLOWING ME TO ACCESS THE RESULTS ON THEIR PORTAL. This raises a lot of RED FLAGS! This is my second attempt for them to correct the information 100 % or to delete the accounts! I will be contacting an attorney for compensation per violation per each account if this is not corrected or DELETED. This practice is a clear violation of the law 15usc 1681e ( b ) Also due to their improper investigation, they have changed a remark on the " lead bank '' account which dropped my score XXXX points, just for them to change it back. I also have proof that will be attached to this dispute as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX XXXX in XXXX, XXXX, and XXXX of XXXX to dispute two late payments for XXXX and XX/XX/XXXX. XXXX XXXX contacted me on XX/XX/XXXX, and admitted they were not being proactive with enrolling me in Servicemember 's Civil Relief Act ( SCRA ) benefits. They asked for documentation of my service prior to the date of my loan. I went to the branch and provided all required documentation. The documents were faxed to the number listed on the letter provided by XXXX XXXX. I called a week then a month later and discovered the late payments were not removed. I was told I would be contacted and was not. Furthermore, the late payments have still not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$600.00} ; Medical XXXX Balance : {$65.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I sent a certified letter to the Company and have not received a response or explaination of why there is an unauthorized credit inquiry on my report. I explained and that I have no knowledge or would like them to send verifiable proof that indeed this was a made by me. I HAVE NOT RECEIVED A RESPONSE
Product: Credit card

After being with BANK OF AMERICA for 24 years they have decided to close my credit card account, stating that because of inquiries that I have had from other credit card companies they have decided to close my credit card with them! I have been with this company for 24 years and have always made above my minimum payments, so I am so confused as to why I was cancelled at all?!