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

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than XXXX business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX  XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX OF XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$460.00} XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent disputes to the credit bureaus and they have failed to send me any kind of validation providing me with proof that the accounts actually belong to me. They have violated my right under the fcra to send me proof of all accounts listed on my credit report that were disputed. Instead they add comments to my report that the information meets fcra and when comment are added to my account they each drop m y credit score as i f they are punishing me for asking for them to send me proof of accounts disputing belonging to me.  XXXX  just again dropped my  credit score be cause I made on time payments and my balance decreased. I do n't know how this can be legal you r credit score shou ld go up when balances decrease not when go down.   I recently disputed late payments from my student loans due to the fact the company knew I was in deferment but claim I never sent paper in when I called to verify it was received over a year ago only to still have them reporting negative information of late payments. When payment history was disputed fed loan only agreed to remo ve two late  payments and when this was updated my credit scores again decreased. Thanks for any help you can give. It is sad that these credit bureaus are getting away with false information and dropping someone 's  credit score bec ause they dispute negative information and for paying your bills on time.
Product: Vehicle loan or lease

I processed my scheduled monthly payment on my account as I have been for years and years. My normaly payment of {$340.00} was due XX/XX/XXXX, I processed my monthly payment on XX/XX/XXXX ( before being 30 days delinquent ) As i have done many time over the course of the loan. 

Suddenly now VW credit wants to list that my account was over 30 days late when that is not false. I've requested they fix the issue and explain it & no one can seem to give me an answer on what's going on. 

I'm not sure if VW credit is hurting for $ $ due to the coronavirus, but i've made ALL my payments during this pandemic and never requested any forgiveness. The fact they want to say im past due is atrocious.
Product: Debt collection

This is a car that I purchased for my child and what she hit a XXXX. The insurance paid off most of the debt and I contacted them to pay off the rest I settled for a less amount and paid over half of the amount. This that was not even theirs it was to a totally different company that went out of business. They did not follow through with their part of the bargain and remove this from my credit.
Product: Credit reporting or other personal consumer reports

This inquiry on my report is not from me I am not sure what this is, but I do not have any open accounts with this company XXXX ( Bank ) I would like for this company to prove that this is my account or inquiry because I do not have knowledge of this company.
Product: Credit reporting or other personal consumer reports

Equifax has violated the law! Here is the law that has been violated and the accounts that are associated to the multiple violations. 

15USC 1681 2 ( i ), I am a consumer and this agency can not put this on my report.

15 USC 1681 2 ( i ) states : report containing information solely as to transactions or experiences between the consumer and the person making the report.

Definition of consumer Report : ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

Equifax is a cooperation? This is against the law for Equifax to report late payments on my consumer report. Please remove this information. 

Here are the accounts as proof Equifax has violated this law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax has been made aware that they are violating this 1970 Fair Credit Reporting Act law XXXX and just sent me a new copy of my creit report where they are still violating this law.

Until this Federal Law Changes, Equifax is expected to fully comply with ALL 1970 Fair Credit Reporting Act Laws and not pick and choose witch laws to follow. The law is in black and white and must be upheld. Equifax is NOT above the LAW!

I will providing proof Equifax has been made aware of thesse violations numerous times and still continuing to violate the law by my proof in the recent credit report Equifax sent me.

I have more than enough evidence to show Equifax is still violating this 1970 Fair Credit Reporting Act Law. I demand that Equifax follow all the 1970 Fair Credit Reporting Act Laws and STOP picking and choosing what laws they will follow. This law is in black and white and ABSOLUTE!
Product: Money transfer, virtual currency, or money service

Cashed my income tax refund check with fifth third bank on the date of XX/XX/year> and they have insulated my Integrity, lied to me on multiple occasions in regards to when my funds will ever be available, they have frozen all my accounts with the excuse that the check looked fraudulent ( IRS/USA Government check ), and that they needed to verify it. then I waited 72 hours communicating with my local bank manager as well as the fraud department with fifth third bank and they claimed I needed to bring in my tax forms and I have done so that very day. after waiting another 72 hours on the date of XX/XX/year> my account is still frozen I am unable to access any of my funds including my wifes employment payroll that I have been receiving into that account for over six months prior. They then lied to me and claim that my funds are available and that my account is open after completing the second review on the date of XX/XX/year>. The Account was never unfrozen and the funds were never released. They now have refused to return the check in full so that I may choose to have it cashed some where else. On todays date of XX/XX/year> it has been a full 7 days since my account has been frozen and a full 9 days since making an agreement with the bank manager at fifth third bank in XXXX Michigan that manager being by the name of XXXX. And that agreement being that I would deposit my tax refund check in my checking account for funds rendered. I am unable to take care of many of my own needs at this time and also that of the needs of my family and obligations. I have just reached out again to the supervisor named XXXX at fifth third banks account services department. And once again they claimed that today all issues were finally resolved and that the funds are available while in the presence of the local branch manager and they still refused to release funds both tax refund check and payroll checks equaling to the amount of above {$13000.00}. Please help. My phone number is ( XXXX ) XXXX. And my name is XXXX XXXX. Thank you for your time
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX {$5000.00} 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.In accordance with the Fair Credit Reporting act. 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. 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.
Product: Money transfer, virtual currency, or money service

I created my PayPal account since XXXX, XXXX with my e-mail XXXX '' and my account was in good standing since and never had an issue with any of my salles and no case has never been opened against me. 
On the XXXX XXXX XXXX I received a payment from a customer with transaction ID XXXX and my account was suddenly limited under ( Ref ID XXXX ) then I provided all the necessary information required by PayPal including my conversation with the customer on PayPal messages proving that the customer has already received his order and very satisfied with it as you can see in the documents attached to this complaint. On the XXXX XXXX XXXX, XXXX I received a sudden response from PayPal stating that I'm no more eligible to use PayPal services under ( Ref ID - XXXX ) and that my account was permanently limited and holded my money for 180 days with no reason. 
when i called PayPal to resolve the issue, they refused to tell me why they took such decision and refused to restore my account and release my money.
Product: Mortgage

I 'm writing to report an inconsistent, inaccurate and incredibly deceitful customer service practice relating to my mortgage account ( account number ending in XXXX ) with Bank of America. No address changes on any accounts should be made without documenting the conditions surrounding the address change.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX  from XX/XX/XXXX-XX/XX/XXXX. Upon being released I was informed that I was a victim of identity theft. In XX/XX/XXXX I filed a report and had the fraudulent accounts removed. Unfortunately their are still inaccurate items on my report I believe are due to identity theft and the thieves still having access to my identity. I would like these items removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$6200.00}, {$3100.00}, {$24000.00}, {$11000.00}, {$14000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 


-- STUDENT ACCOUNTS 5. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

6. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

I'm overseas and can't take calls. I've been getting repeated calls with no voice mails at XXXX local time. I've found no way to contact this company via email. I also have no idea what outstanding debt needs to be collected.
Product: Payday loan, title loan, or personal loan

N accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  has violated my rights. 

! 5 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 or prepaid card

Aside from the fact that Capital One consistently closing Complaints raises a huge red flag for the company, the company 's verbiage in the Terms and Conditions misrepresent situations meant for the cardholder. At no point is there any clause that says the amount of days that Capital One WILL hold a payment. Various representatives on the phone with the company have also claimed that " We do not know if your payment will be held. '' That's extremely alarming. What makes it even more alarming is how Capital One has yet to diffuse the situation with the privacy breach that occurred back in XX/XX/2019. I can't help but think that perhaps if Capital One spent quality time on improving their systems by getting the right people to help develop and enhance them, perhaps hackers wouldn't be able to break into their systems. I'm concerned that Capital One doesn't care about my information being breached and continuously closes complaints evading any responsibility. I've joined a class action lawsuit from a lawfirm who is currently pursuing criminal charges for the company as a result of this misconduct. I'm also calling for the termination of the employee ( s ) who keeps closing these complaints without doing any proper investigation due to laziness and neglect.
Product: Credit card

I was charged late fees on a account, because the bank raised the minimum payment without advising me.I had a recurring payment setup through my bank. I have a 100 percent ontime payment record for at least XXXX years.
Product: Debt collection

On XXXX XXXX, 2022, I received a letter from XXXX XXXX XXXX, stating that the company had purchased a debt I owed through Jefferson Capital Systems LLC. I paid off this debt on XXXX XXXX, 2022, as agreed. The amount I paid was smaller, but it was agreed upon by Jefferson Capital Systems , LLC. I have sent a letter to XXXX XXXX XXXX stating that I do not owe the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a late payment with XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX during COVID. Each institution hasnt properly handled my dispute.
Product: Debt collection

Portfolio recovery associates LLC, has been harassing me for over 5 years. They call my phone at least several times a day. They also harass my relatives. They improperly served me at an address I wasn't living at and got a judgment against me that I wasn't able to answer because I never received proper notice. They also keep " re-aging '' my accounts with inaccurate information to look as if the alleged debts happened recently and haven't given me any proof they own these alleged debts. I have had medical issues over the last few years and they have done nothing but harass me and my family for over 5 years.
Product: Checking or savings account

Opened cd for 7 months at 4.9 %. When went to cash only gave me about 2.9 % at PNC Bank XXXX Florida XXXX XXXX XXXX XXXX. Phone there is XXXX XXXX XXXX attached are pics of their documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a CLOSED credit account at XXXX XXXX which is disputed and affected by a natural or declared natural disaster. The FCRA and Metro 2 protocols require reporting my CLOSED account as ( 1 ) disputed and ( 2 ) affected by natural or declared disaster. However, my XXXX, XXXX and TransUnion credit reports fail to accurately reflect that my account is disputed AND affected by a natural or declared disaster. Therefore, my credit reports are inaccurate and not complete for failure to contain the mandatory information. Either delete my XXXX account or include the statutory reference that my account is both disputed by consumer AND affected by a natural or declared disaster.
Product: Credit reporting, credit repair services, or other personal consumer reports

paid citibank account in full, payment process and reflected a zero balance, payment did not process, automatic payment was cancelled by citicards, they blamed me, did not contact me. we had a natural disaster the same month and I did not follow my payment as it had never not processed before. Payed account off during the next month after the natural disaster. balance is zero, credit history is excellent. 

did not cancel my credit card due to the affect on my credit.
Product: Mortgage

Mr. Cooper ( this is the name of the mortgage company ) bought my mortgage from XXXX XXXX. I have authorized my bank to make payments twice monthly so that total amount paid during any month exceeds the amount due. Mr. Cooper acknowledges receipt of these payments but marks them as additional principal and does not apply them toward my monthly payment. As a result, my monthly payments are considered past due until I contact Mr. Cooper to have the payments applied properly. I have received letters from Mr. Cooper threatening to charge me fees or to damage my credit score. The problem is that the loan payments are due on the first of the month, but any payment applied in the previous ( already paid ) month is considered additional principal. Of course, if I wait until after the first, the payment will be late. I have repeatedly contacted Mr. Cooper 's support team by phone and email. In every case, they have assured me that they have fixed this problem. Nonetheless, every month, my payment is past due and I get a threatening letter. As I write this complaint, my loan payment is again past due I am still awaiting a response to my last email which was sent XXXX business days ago. It seems to me that Mr. Cooper is not motivated resolve this issue. In fact, I am concerned that this unreasonable behavior and general lack of responsiveness is a deliberate attempt to exhaust the consumer into providing his banking information so that Mr. Cooper can withdraw the loan payments itself ( along with any fees... ).
Product: Debt collection

I filed a complaint/request with the Collection Bureau of FT Walton Beach for proof that debt is correct. And they did send me information, just not all the information. But what they did send has now led to file a complaint, not a request. I have several problems with this Collection agency and or the provider over this debt.

1. The collection agency has taken two separate medical bills allegedly performed a few months apart and has merged the debt into one. I believe this is done to circumvent the minimal amount needed in-order to place debt onto a credit report. One of the bills is for XXXX and the other for XXXX and they have it reported as one account in the amount of XXXX. 

2.as proof they sent me an electronic remittance advice that was sent to them from my insurer for the bill that has balance of XXXX. This provided clear and necessary information and was satisfactory. However, for the second bill, they sent me a heavily altered form called an Explanation of Payment Report. that's also from the Health Insure, but contains none of the information they provided for the XXXX Bill. and i question the authenticity of this document. which by the way, Includes other patients identifying information. The second form is apparently a list of what the insurer paid the provider unto XXXX However both invoices state payment for both XXXX  stays were paid on XX/XX/ but there is only one payment on my behalf from my insurer. their should be two.

3. On the invoice for service dated XX/XX/ it states XXXX XXXX XXXX paid on XXXX  but the altered form states it was paid on XX/XX/2019 by XXXX, not XXXX XXXX XXXX. In fact, I Only recently joined XXXX XXXX XXXX on XXXX So it's obvious the provider was digging around in a attempt to justify this collection. Providers can look to see who a patients insurer is. So i believe this invoice was just recently created in a attempt to deceive me. I hope they didn't actually Bill XXXX XXXX XXXX, because that would be Medicare fraud and I will be watching. 

I have included the forms, I have highlighted the areas that are questionable and left notes on them to make it easier to follow. 

now, for a blunt summary so there is no question as to why I'm filing this complaint being filed. I believe this second bill for XXXX is a result of Double Billing, unbundling or balance Billing for the difference of what Medicare paid and what the provider charged, all which are a big no-no. I ask that the collection agency and the provider perform a more diligent and good faith attempt and look into this, but this time with out doctored forms and false information.