23daVinci/CFPB_Complaints huggingface dataset:
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 : Progressive XXXX, Account name : 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, has violated my rights. 

I looked at my Experian credit report 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, I was unable to temporarily lift my EQUIFAX credit freeze via my landline phone. Their automated system required a cell number ; I do not have a cell phone. I then spent hours on the phone with Agents in the XXXX. They instructed me to open an online account ; no, I will not trust them with an electronic account. I answered their questions : Name plus spelled ; Social Security number ; Address plus spelled ; Date of birth ; Phone number. First they said their system was down, and to phone back in a couple of hours. Then I answered the same questions again in subsequent calls, while struggling to understand their geographical accents ( I am hard of hearing ). They no longer use the PIN they generated when the freeze was placed. I was finally told they could NOT temporarily lift my freeze unless I mail them copies, from California to Georgia, of my ID and driver license with a cover letter. Then wait three business days after their receipt of slower, coast-to-coast U.S. Mail. The Federal Trade Commission ( FTC ) specifies, " If you request a lift of the freeze, the agency must lift it within one hour. '' There is no stipulation that one must have a cell phone. And it was easy to immediately implement temporary lifts at the other two agencies, via landline phone with my PINs.
Product: Credit card or prepaid card

In mid XXXX I went to put gas but my card was declined, thought maybe it was froze because I used it out of town a couple days prior. Go online to review my account and I can not log in, so I call the number on the back of the card and no one answers. This same problem has been going on for nearly a month now with no resolution in site besides some canned answers from a XXXX bot. This is going to effect my credit score which I have working hard to improve. This is all with Bread Financial and Comenity Bank.
Product: Credit reporting or other personal consumer reports

Upgrade is reporting my loan past due as {$180.00} when I have never paid XXXX  days late. I have paid the entire minimum due each month. I called them today and they advised it was an error but can not correct it because they couldn't figure out what department would assist. They then released the line. I called back again and was on hold for a long time after I told the agent my issue. They said someone would call me back today and no one has. I would like for this error to be corrected.
Product: Mortgage

This is dating back XXXX when my home went to foreclosure since then I have attempted to modify my mortgage. Here we are in XXXX and still in this process I have exhausted all my options. Even though back in XXXX I was granted a trial modification that was approved and was instructed to pay for 3 months consecutively and my payments would become permanent. Well that did not happen, file bankruptcy based on counsel to see if modification would be approved and that did not happen. I would like to know do I have a legal right to pursue legal action and sue? Based on the financial institution accepting the assistance from the government/and violating DODD FRANK and HAMP PROGRAMS and not complying and actual assisting the consumers, because I am pretty sure I am not the only one in this situation. I spent thousands of dollars through this ordeal with attorneys where I could have been in a modification program to keep my home. In addition I accepted a short sale and to date two offers have been presented and bank has not responded. I am filing this complaint and will pursue them to the fullest,
Product: Debt collection

I saw this first early XX/XX/22 on my XXXX report and instantly disputed it. I saw that it was from XXXX XXXXXXXX years prior and I had closed this account with XXXX prior to activating the card. No attempt to contact after was made. The dispute with XXXX ended in LVNV being removed from that report, however, as of XX/XX/22 they now show as closed other accounts on my XXXX and XXXX reports. When attempting to contact LVNV and XXXX XXXX, the sites are either down or you can not speak with a live agent. Ive read multiple reviews regarding both companies and this seems to be the norm for them. I have even went so far as filing a XXXX complaint against both companies!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX i was notified by a height finance a loan company out of XXXX mo. They where calling my family members Harassing them before I was notified. I told them the account was not mine. And they still refused my claim after I filed a identy theft report and submitted all the identy theft stuff to them.They said there was payments made on the account and they said it was with a check I signed but I also had bank fraud and I told them that but they still refused so they are suing me in court on XX/XX/XXXX for the amount of XXXX. And will do nothing to try and help me fix the problem other than just say it 's my debt. My accounts and checks where stolen from the bank of Missouri there was several with draws taken out and also drained our savings account.
Product: Credit reporting or other personal consumer reports

Inquiries : 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, {$1000.00} XXXX, {$720.00} XXXX XXXX XXXXXXXX, {$7900.00} XXXX XXXX {$2800.00} XXXX, {$740.00} I looked at my credit report on XXXX XXXX XXXX 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general 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 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.
Product: Debt collection

The credit company has called me several times over and over for the past couple years.
Product: Credit reporting or other personal consumer reports

Over the last XXXX  days, XXXX and Affirm have received multiple complaints and disputes regarding inaccurate information on my credit report. Note : XXXX is the only agency who has failed to correctly recognize the inaccuracy and remove the affirm data from my report. 

XXXX began receiving claims against this company in XXXX 2023 through XXXX XXXX XXXX XXXX has been aware of the issue since then and still fails to remove the inaccurate records. 

XXXX received a claim around XXXX with approx XXXX items to be disputed. Upon receiving that claim, XXXX only selected XXXX items to review and ignored the rest of the letter as provided. 

XXXX was again notified of their failure to accurately handle a FCRA request and noted their violation. They also received additional information regarding the claim from Affirm, LLC. Again, XXXX did not review the data provided and just contacted the furnisher who continues to affirm that the information is accurate, even with provided proof to XXXX. 

XXXX was contacted again, and they did not provide any additional information as to why they are refusing to correct the inaccuracy, even with multiple records submitted. 

We have provided multiple official statements to XXXX as well as the creditor. We have provided proof of emails showing the auto payment is set up. We have submitted multiple proofs of documentation, including a claim to the XXXX with Affirm. However, even through it all, XXXX has failed to comply with the request for removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one did not notify me when someone maxed out my credit card to {$5000.00} and then let it go over and charged interest and told me i owe them {$5900.00} and i did a fraud packet and they still did nothing when i lost my card in a different state while traveling. Then after multiple attempts and them taking it off my credit report and putting back on its now showing on only 2 of the 3 credit bureaus for mouths now! I reached out to the credit company on XX/XX/XXXX and the company did not respond at all let alone in 30 days which is required by law. I want this whole account removed as its from XXXX and is affecting my life and my familys. Im also law enforcement.
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 : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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

I went to the emergency room due to XXXX XXXX. I was the only one in the lobby for almost three hours, I had to continue to ask when I would be seen. Finally I get to the back and have to wait almost another hour. When the doctor finally came in, he looked at me strange and asked, " what is the bag for? '' I knew then, they thought I was XXXX and was looking for a place to spend the night. I said sir, I'm dirty because I do XXXX XXXX, it was shortly after I got to the truck stop I starting regurgitating. It wouldn't stop and I had a lot of it on my cloths. I was on my way to the shower, but I felt weak and might not be able to call someone for help. I then informed him I had XXXX XXXX, never had it before, and didn't know how long I would be there and I didn't wand to be in that condition for several days if I had to stay overnight. I, then informed him that I was a 50 % service connected XXXX veteran and had free treatment, but XXXX, TX didn't have a VA XXXX, so I ubered there since it was only XXXX miles from the truck stop. I informed him I had XXXX XXXX, that I needed him to treat me for it, and document it so I could get the XXXX XXXX to pay the medical bill. When I received the bill, which was fine I noticed he only treated me for XXXX. I called the hospital several times and asked them to amend the medical report and I would pay the bill. They informed me they couldn't because the doctor didn't conduct a lab test for XXXX XXXX. I informed them, that I had asked him to for documentary purposes, so I could get my money back from the restaurant. There fore, the doctor erred and I shouldn't be on the hook for the bill and unable to seek recourse because I don't have the proof I needed to get relief.
Product: Student loan

XX/XX/XXXX I consolidated several loans, as of XX/XX/XXXX my XXXX  application for the consolidated loans is still pending and I was told the loans had a payment due on XX/XX/XXXX. I saw yesterday that the consolidated loans are in a past due status... it is not even XXXX yet. I have not received any update on XXXX status ( which I should have since the loan that was not consolidated is on the XXXX plan ). 

I am also a member of the XXXX XXXX XXXX XXXX XXXX class action, full class. I have yet to receive my settlement, which was due to be completed by XX/XX/XXXX. The school loans should have been XXXX, along with interest ( the school was XXXX University and loans were between XXXX ) and refunds of loan/interest payments made. Dept of Ed did confirm to me that the information was sent to Mohela approx this time last year. I have not had loans and interest XXXX or any payments refunded. 

Dealing with Mohela has been extremely frustrating as messages are not responded in the XXXX business days ( more like XXXX weeks response time ) and they are very generic in response. It is also very difficult to get through by telephone- wait times of XXXX hours and misinformation from the customer service reps. Extremely poor service. 
This is my second complaint to CFPB and I have also complained to DOE multiple times.
Product: Payday loan, title loan, personal loan, or advance loan

I overpaid a personal loan in full in the middle of XXXX since then, I have been promised that I should receive the funds by way of check within XXXX to XXXX business days. I never received the check and no one can give me a straight answer as to when I will receive my overpayment refund. They consistently blame their disbursement department for a glitch in their system. I have spoken to XXXX supervisors and I get the same runaround story. Today I spoke to another supervisor that basically told me she does not have an ETA as to when this issue will be resolved or when I will get my money. This is the email I received yesterday Hi XXXX, I hope this email finds you well. Thank you for bringing your concerns to my attention. I understand the importance in the timely processing of your Personal Loan overpayment refund and apologize for any inconvenience this has caused. The physical check was processed. However, due to a technical issue it is pending. It will be cleared within XXXX business days. If you have any other questions or concerns please contact customer service at XXXX and we will be more than happy to assist you. Thank you for being a member of the SoFi family. 



Kind regards, XXXX XXXX Opportunities Resolution Specialist SoFi Bank, N.A. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second dispute to remove this inaccurate information from my credit report. These collections company are claiming I have an account with them or I owe them something. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with them. Also, because they are a 3rd party collector, they have no permission to furnish any information on my credit report in the first place. The law states that before they collect any information about me, they have to get my authorization to access my credit report for any reason. They didnt do that first, and theres no way I would ever give a slimy collection company permission to slander me on my credit reports.
Product: Debt collection

Hi, Portfolio Recovery Associates # Account Number XXXX XXXX has violated my rights. They have place a debt collection notice on my credit report which is hurting my consumer credit report. I have requested from them via certified mail to send me the Original Purchase Agreement for this Alleged Debt. The original purchase agreement which should have all the terms and conditions that are in this debt. They never provide the requested information. They did respond saying that I have an attorney or legal representative on this issue. No, thats false, I dont have any legal representative on this issue this is false and they are using this to keep incorrect notice on my consumer credit that is hurting me. 

Portfolio Recovery Associates can not provide proof that I owe this debt and that they are now owner of this debt. They have harassed me over and over they have called me repetitively via phone calls from morning until night. This is very stressful and hurt me mentally, it hindering me and my family financially because its on my consumer credit report. 

In accordance with the Fair Credit Reporting act Portfolio Recovery Associates violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Portfolio Recovery Associates has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Please help.
Product: Credit card or prepaid card

I was checking my credit report and noticed this account was open that should be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 Ay States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Experian preserve all communications written, electronic and voice recordings between XXXX XXXX XXXX and Experian for upcoming litigation
Product: Credit reporting or other personal consumer reports

I recieved a copy of my credit report. To my surprise, you are reporting an account incorrectly. This account is reporting not only as OPEN, but also shows a past due balance of {$10000.00}. According to the FCRA, i have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY
Product: Checking or savings account

I have not received my direct deposit from capital one. I have waited and nothing has happened. No statements since last night. I want my money. I need it.
Product: Credit reporting

XXXX XXXX was handling this dispute since 2008. Nothing was resolved and I never received my credit report until now.
Product: Credit card or prepaid card

On XX/XX/XXXX, I stayed at a XXXX XXXX. Prior to staying at the hotel, there was a credit card authorization form completed and on file with the hotel. The hotel required me to use my card in question for incidentals. 

Upon check out, the hotel charged my card in the amount of XXXX us dollars. I did not notice the error until my biling statement. I notified the merchant and the credit card company, Bar Clay 's, of the error. The merchant, XXXX XXXX, has absolutely refused to fix this problem. Barclays denied the disputed charges at first and claimed, Barclays, they never received proper documentation. I resubmitted all of the documents a second time on XX/XX/XXXX at approximately XXXX P.M CT. 

The documents were sent via fax machine while I was serving on XXXX XXXX in the XXXX XXXX. The location was XXXX XXXX, XXXX XXXX. I have receipts proving this. 


Thank you for your assistance with this matter. 


I am doing this from my while away from my computer and can not attach documentation. I will be able to retrieve my documents later. Thank you for understanding.