23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/2019 my account was closed. I received a notice in XX/XX/XXXX stating my account was closed due to a recent check of my credit score. My account was paid in full and was not delinquent. I was not given the option to protest or object. I called the number provided which said please contact this number if you have any questions about this letter. Once I called the number I was told to contact XXXX and ask them about my credit score. The problem isn't my credit score. The problem is I have had this card for more than a year and I was making payments on time and it was closed once it was paid off without my knowledge. I asked if I could have the terms that I agreed to when first signing up for the card. I was told I would be sent the terms and later I received another letter stating they could not provide terms for a closed paid in full account. I was once again told to contact XXXX XXXX and to try to apply for a new card so I could see the terms. I was told these were the only two ways I could see the terms that I agreed to. If my card can be closed there should be accessible terms and agreements for me to view that state that this is a what I agreed to when I signed up for the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus are violating the Fair Credit Reporting Act.

According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus co n't have no written permission According to 15 USC 1681s-2 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 the information is inaccurate. 
B ) Reporting information after notice and confirmation of errors.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # 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 ( XXXX XXXX XXXX XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just looking at my credit report and found some errors relating to my payment history on some accounts. My mortgage with XXXX XXXX, is not reporting on my credit report. 
I would like for my mortgage to report to credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I dehand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting

After becoming more educated with my finances, I ran my credit report for the XXXX time for the purpose of reviewing the accounts back in XX/XX/XXXX. Upon reviewing the account I noticed there was a dependency on the names and address listed. My name is XXXX XXXX, XXXX of the names listed was XXXX XXXX XXXX. Aside from this, I also noticed a list of address linked to me that I never lived in. A XXXX account stood out because it showed the date of last payment was in XX/XX/XXXX and the account was opened in XX/XX/XXXX. This was scheduled to be removed from my credit report on XX/XX/XXXX, however, I decided to file a dispute with the credit burueas and the collection agency to validate the debt. I sent all letters via certified mail in XXXX. The response I got was in XXXX and not able to undertand what the letter said, I sent them a XXXX request. I received another letter from them in XXXX with no documentation showing the account was mine. So instead of investigating the claim, they changed the status of the account as a charge off. I sent all the letters to XXXXXXXX, and Equifax however, they again failed to validate the debts or remove them. No explanation has been given to me as to how this was determied or what was done to investigate the debt. I am 100 % I made no payment in XX/XX/XXXX nor is the account mine. The report stated the limit was {$200.00} yet the amount of the debt was {$500.00} I asked how that amount was even calculated but never got a response. Both The credit bureau and XXXX bank have failed to provide me with my right to validate debt. Instead, I received offensive stalling tactics by sending me letters in a language they assume I spoke. I ask that you please request further investigation from all XXXX credit bureaus. The XXXX account that is completely off is by a utility company called XXXX XXXX XXXX which is the collection agency for XXXX XXXX XXXX XXXX that was opened in XXXX/XXXX/XXXX. I sent them copies of my XXXX ID 's, to show I lived in the state XXXX and was attending XXXX college. It makes no sense how I could go open a utility account if I did not live in the state XXXX. After XXXX request nothing has been done to investigate these accounts. Please request a throrough invesigation, I XXXX these companies have caused me XXXX, I 've spent large amounts of money sending certified and expedited mail the last 2 months with no results. Thank XXXX XXXX, XXXX XXXXXXXX XXXX - XXXX XXXX, XXXXXXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted claim earlier and noticed on my report that the original creditor that reported such debt of highest balance XXXX is already on my credit report and been closed since XXXX. there are many violations being made here by world finance first of all i do not have a loan with this company XXXX XXXX I have disputed this in the past back in XX/XX/XXXX when this affected my credit score with XXXX  taken my score down nearly 70 points and now 8 months later on my Transunion it has taken my score down 83 points they have Never ever contacted me once about this and futhermore this should not appear on my credit twice whith different open and close dates and appear on my credit as i opened a New Account Really????? how a new account that states 5 years do the math people and says closed XX/XX/XXXX when it clearly says closed XX/XX/XXXX one report says XXXX another XXXX and another one XXXX all different two with XXXX  XXXX  the original creditor and then now XXXX  XXXX  who is putting stuff illegally on my report they have done this twice now have not contacted me i will attatch two seperate sheets one had a contact one has no contact info from the last time they destroyed my credit and it took awhile to bring it back from XXXX and now I have a phone number but they have done this again this needs to come off my account
Product: Credit reporting or other personal consumer reports

On and for the record, the debt owed to XXXX  XXXX in regard to the financed automobile has been settled as evidenced by IRS acceptance of my 1099A filing on XX/XX/year> as well as XXXX XXXX  receipt of the Original Contract with special stamp and endorsement in accordance with 31 CFR 328.6 which legally converted the Contract/Security into a marketable security for discharge of the debt. Due to this fact, I am now excersing all Rights as the Holder in Due Course and i have filed a UCC1 Lien on the financed property further evidencing that this debt has been settled and that I am now the legal owner of the financed automobile. 

Based on the facts above, I am hereby demanding that XXXXXXXX XXXX XXXX account on my credit report be updated to a XXXX balance PAID AS AGREED. Due to the fact that this debt has already been tendered through the IRS via XXXX, XXXX XXXX XXXX XXXX can no longer exercise rights as Holder in Due Course. 

According to page 129 of XXXX XXXX 's Prospectus form, the Holder-in-Due-Course rule of the Federal Trade Commission ( the HDC Rule ) has the effect of subjecting any assignee of the sellers in a consumer credit transaction, and related creditors and their assignees, to all claims and defenses the obligor in the transaction could assert against the sellers. Liability under the HDC Rule is limited to the amounts paid by the obligor under the receivable, and the holder of the receivable may also be unable to collect any balance remaining due thereunder from the obligor. The HDC Rule is generally duplicated by the Uniform Consumer Credit Code, other state statutes or the common law in some states. However, liability of assignees for claims under state consumer protection laws may differ. Furthermore, According to UCC 3-302 ( e ) If ( i ) the person entitled to enforce an instrument has only a security interest in the instrument and ( ii ) the person obliged to pay the instrument has a defense, claim in recoupment, or claim to the instrument that may be asserted against the person who granted the security interest, the person entitled to enforce the instrument may assert rights as a holder in due course only to an amount payable under the instrument which, at the time of enforcement of the instrument, does not exceed the amount of the unpaid obligation secured. Since the debt has been paid in full according to the IRS, XXXX XXXX XXXX XXXX may not exercise any further rights under the Instrument ( s ) in question. 

Attached to this complaint is a copy of the 1099B I received after the IRS confirmed Acceptance of the 1099A and the debt was discharged as well as a copy of the UCC1 LIEN i have on the property
Product: Debt collection

I received notification from Portfolio Recovery Associates, they claim I owed a debt to XXXX XXXX. I have sent three certified letters and they have signed the return receipts, requesting my signed original contract and proof of their license to do debt collection in Virginia. 

They told me that my request was " frivolous '' and they on their end, have proved " validity '' of the debt. They have not provided me that validity nor the signed original contract or proof of the license to collect in Virginia. 

They have now added a collection to my credit report without any further contact and I believe that is illegal under the XXXX in Virginia. Again, I sent XXXX certified letters requesting the information to validate the debt and not once have they sent the signed original contract or the proof of their license to collect in Virginia.
Product: Debt collection

In XX/XX/XXXX, my parents and I called Navient to work out a payment plan of {$1000.00} a month that would be drawn out automatically to help pay down both my principal and my interest for the private student loan. We have made a years worth of payments on time at the agreed amount and the total due has not changed. In fact the total due had risen.

I pulled each bill for the year only to find out the monthly balance due rose without our notice making our previously agreed on monthly payment invalid. It was then explained to me that the interest rates on each of my loans were subject to change depending on the market reassessment and the payments I made in our previously agreed on deal were not enough. This is incredibly deceitful and unfair. I feel like I wasted all of this money I will never get back to try and pay a loan that will never be paid off. Below are the actual monthly totals not what I was scammed into agreeing to pay.

XX/XX/XXXX {$970.00} XX/XX/XXXX - {$960.00} XX/XX/XXXX - {$980.00} XX/XX/XXXX - {$990.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1100.00}
Product: Bank account or service

Hello, US Bank has charged me 7 Overdraft fees that are due to a bank error. I had a pending transaction that dropped off and never cleared my account. During the time that the charge was pending and now, US Bank has charged me seven overdraft fees due to a pending charge that NEVER hit my account. This is a violation of my terms and conditions along with the funds availably act. US Bank can NOT charge me a fee for being " overdrawn '' if the charge never hit my account. After speaking with the rep, she told me I would need to call back later since all the managers were in a meeting ... She then told me if I wanted to, i could go to my branch, and they could look at my account. 

She basically just tried to get me off the phone and have me go to my branch ( which is closed .. hence why I am on the phone ) if I wanted something to be resolved. She insisted that no one could help me fix something that they did in error. 

I would like for the fees to be waived. I will be closing this account.
Product: Credit reporting or other personal consumer reports

Having problems with all these second and third party consumer data reporting companies selling my personal data to all three major credit bureaus without my consent, I have been trying to opt out/freeze my data since XXXX XX/XX/year> to present and nothing have been resolved, also these second and third party consumer companies have been reporting my data and personal information to the three major credit bureaus incorrect since XXXX XX/XX/year> to present without my consent, I will list all these second and third party consumer companies on the second part of my complaint!
Product: Debt collection

I have a debt collection company calling my employer. I just reported XXXX company maybe a month ago and they stopped and clearly gave my information over to another company since they could no longer call my employer. I need this to stop permanently. I ca n't have these sorts of calls coming into my work office. My employer 's phone number is not my phone number, which means they 're knowingly contacting me at work.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXXXXXX Balance Owed : {$4000.00} XXXX XXXX XXXX Balance Owed : {$870.00} XXXX XXXX XXXXXXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX Balance Owed : {$380.00} XXXX XXXXXXXX Balance Owed : {$850.00} XXXX XXXX Balance Owed : {$760.00} XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Subject : Claim number appeal  XXXX  To whom it  may co ncern : I am  XXXX   XXXX  POWER OF ATTORNEY and   XXXX   XXXX   advocate.   XXXX   has a valid claim under the fair credit billing act and also due to the fact she rented  a drive w ay for a month see attached lease and those services were not provided and she had to move. She has provided you several times with these facts and proof.  See  attached new warrant against merchant. If you do not properly investigate this matter I will have no choice then to involve CONSUMER FINANCIAL PROTETION  BUREA  as  XXXX   XXXX  paid for  XXXX  rent and did not get the money back as it is illegal to live in  someones drive way  with a recreational vehicle. You are violating her rights as a cardholder under the fair credit billing act.   Govern yourself accordingly, Respectfully,  XXXX   XXXX
Product: Debt collection

To whom it may concern, I am writing to formally file a complaint against this agency about the alleged medical debt as I believe they have violated the FDCPA and HIPAA Law. I never authorized anyone to give my medical information so I need to know what other information these people acquire. I never made a transaction with this company and I don't know about this debt that they are tryng to collect from me. I have previously requested for a debt validation documents but I have yet to recieve a proper response from them so I want to take this to your attention and please investigate because I honestly unaware of such debts. This company has an account number listed on my report as : XXXX - XXXX and XXXX - XXXX
Product: Credit reporting or other personal consumer reports

In multiple instances I have requested proof from all 3 credit bureaus for what they used to validate debt. I am still not seeing any response to multiple requests, also I have multiple accounts reporting false information and not receiving any response to correct the information on those accounts,
Product: Mortgage

During the housing crisis in XXXX, Ocwen Mortgage threatened foreclosure. 
XX/XX/2014 Doc # XXXX filed to foreclose on property XX/XX/2014 Doc # XXXX action has been dismissed XX/XX/2014 Doc # XXXX XXXX XXXX ( XXXX mortgage filed {$12000.00} XX/XX/2014 Doc # XXXX XXXX XXXX XXXX XXXX ( balance of {$12000.00} would be added to existing mortgage, new rate $ 4.5 % and ends XX/XX/2044 XXXX
Product: Credit reporting or other personal consumer reports

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb.

This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in the months that I was late to be removed.

They are not in compliance with the following law.

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

Try to dispute 3 accounts thats have been settlement and the company have not interest in these accounts. These accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts still affecting my credit report and credit score. Im a XXXX veteran that wants to by his first home and this accounts are restricted me from doing it. I have try to get them remove from XXXX, Equifax and XXXX XXXX with no results. I did send them letters wrote down and they didnt do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing XXXX, Equifax and XXXX for a year now. I have given them my police report & other supporting documents that I am an Identity theft Victim during the Pandemic & before. I had all my Gov. PUA benefits stolen. I have proven to them to take off accounts that were charged fraudulently or is not mine. I keep disputing and they disgaurd or will not let me download the proof. XXXX 's website to dispute you can not even download dispute because it always says error messages. I have had several health  issues and XXXX XXXX XXXX  because of this. it has been a three year ordeal to dispute my credit reports and fix it without success. I have every right to have a good credit report so I can recover from my identity stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPANY HAS NOT PROVIDED VALIDATION ON INACCURATE INFORMATION ON MY CREDIT REPORT. THEY WILL NOT REMOVE UNKNOWN CLOSED ACCOUNTS ON MY CREDIT REPORT. THERE LETTER DO NOT MEET FEDERAL GUIDELINES AND THEY ARE CONTACTING THIRD PARTY AGENCIES THAT I DO NOT HAVE CONTRACTS WITH AND REPORTING FALSE INFORMATION.
Product: Credit reporting or other personal consumer reports

On XX/XX/2021 a company checked my credit it is listed on my credit report as Miscellaneous. I tried fixing it with XXXX but to no avail. 

I have sent them letters concerning this but they seems to not do anything about it. I don't recognize this company, never heard of them before. Don't know why they checked my credit. I never received a call that they were checking my credit, and for what reason. I have sent XXXX letters about this but I never heard from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Misleading information with transunion Equifax, XXXX and XXXX XXXX XXXX  credit balance is incorrect utilization rate s incorrect a 5 year medical bill, late payment correction, XXXX XXXX XXXX XXXX payment is adjusted and current