23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

HI First Credit Services - HOW RE YOU? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit act XXXX account # XXXX XXXX  XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my instructions
Product: Debt collection

I have tried several times over the past few years to resolve this matter with NCB and was told it would be dropped from my credit file. I have tried for several months to reach this company by all major credit bureaus and have filed disputes, by phone, letter, and email. but the company will not respond to my request to have this removed from my credit file although I do not owe a debt to the company and the credit file reflects a XXXX negative balance.
Product: Credit card or prepaid card

I retrieved my credit scoring in an attempt to familiarize myself with what it was and whats on it before purchasing a home. Upon inspection I seen several accounts, names, phone numbers and addresses that didnt belong to me. I reached out to each company who just investigated the issue with the updated info I provided them during the dispute to make the accounts seem accurate. This is discrimination against me because of the discrepancies are making it hard for me to begin the process of owning my own home for my family and I. I have not supplied proof under the doctrine of the estoppel by silence, Engelhardt v. Gravens 281 SW 715719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I should not have any late payments reported on my credit report due to Covid-19 becuase I was affected by the coronavirus pandemic. 
ALLY Financial is reporting inaccurate late payments on my consumer credit reports. ALLY Financial is not complying with the Fair credit reporting Act 15 U.S code 1681s-2 ( F ) Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.

( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. 

XXXX, XXXX and XXXX credit reports show late payment of 30 days from XX/XX/XXXX to XX/XX/XXXX. XXXX, XXXX and XXXX show 60 days late. A late payment can't be 60 days late. 

No report was made for XX/XX/XXXX on all three credit report. 

Ally financial has violated several FCRA laws.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Approx. In XX/XX/, I sent a dispute requesting to remove bankruptcy from my report for inaccurate information. XXXX states that the U.S Bankruptcy Court reported to them that I have a bankruptcy and that it was accurate information. Therefore, they will not be able to remove this information. I have received a letter from the United States Bankruptcy Court stating that they DO NOT report any information to consumer agencies. This is a fraudulent act of using my information illegally and a right to consumer privacy. Please be so kind as to see 15 USC 1681a ( 4 ) and 15 USC 1681 I ( 7 ). Therefore, there is a willful non-compliance 15 USC 1681n with the consumer agencies TransUnion and XXXX because there is a refusal to remove the inaccurate information from my account. Please see 18 USC 242. Secondly, XXXX is reporting personal auto policy information such as my driver 's information, address, car information, and family members without my knowledge. I am requesting that these consumer agencies delete the information in this complaint immediately from their reports. 

Thank you for your help in this matter. 

XXXX XXXX
Product: Debt collection

This company has called me a total of six ( 6 ) times today alone XX/XX/18 after i told them to stop calling send correspondence by mail
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX account that is reporting on my credit file does not belong to me. I have disputed this account with the credit agencies and the account was removed from all of the bureaus except for Equifax. Please assist me in getting this account removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB case # XXXX I received a letter from Equifax today that they have resolved my issue. Problem is, they sent it to my address with the other person 's name - stating that they have changed their address to mine. 
So instead of separating it as they were supposed to, they made it worse. 

Equifax case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX, XX/XX/22 To whom it may concern, I closed a credit card down XXXX '' through my BOA as I was not using and it was in excellent standing and was told by BOA rep. when I asked would my credit score be effected and was told NO. A few days later XX/XX/XXXX a hit of XXXX points on my good credit score. Tried calling XXXX and after a few hours of waiting was told to call my Bank and there was nothing she could do.. Not able to even confirm that is the reason for the decreased score which is stressful and wasteful. I then called my BOA and was put through XXXX XXXX in another language that I did not understand, Please advice me as to steps I can talk and who I need to speak with, Sincerely XXXX
Product: Checking or savings account

My account got closed and I still havent received a check been trying to call and leave voicemails no one has gave me answers
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the unauthorized reporting of my personal information and that of my cosigner. I recently became aware that our information has been reported to my credit without our explicit consent. 


As you should be aware, The Privacy Act of 1974, as amended, specifically under 5 U.S.C. 552a, establishes a code of fair information practices governing the collection, maintenance, use, and dissemination of information about individuals maintained in systems of records by federal agencies. A system of records refers to a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual.

Additionally, our rights are protected under the Family Educational Rights and Privacy Act ( FERPA ), as outlined in 20 U.S. Code 1232g. This legislation ensures certain conditions for the availability of funds to educational agencies or institutions, and it guarantees individuals the right to inspect and review their education records. Any disclosure of these records without proper authorization is a violation of our privacy rights.

The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual.

( d ) Access to Records.Each agency that maintains a system of records shall ( 1 ) upon request by any individual to gain access to his record or to any information pertaining to him which is contained in the system, permit him and upon his request, a person of his own choosing to accompany him, to review the record and have a copy made of all or any portion thereof in a form comprehensible to him, except that the agency may require the individual to furnish a written statement authorizing discussion of that individuals record in the accompanying persons presence ; 20 U.S. Code 1232g - Family educational and privacy rights U.S. Code ( a ) Conditions for availability of funds to educational agencies or institutions ; inspection and review of education records ; specific information to be made available ; procedure for access to education records ; reasonableness of time for such access ; hearings ; written explanations by parents ; definitions
Product: Credit card or prepaid card

On XX/XX/2020 I tried make a purchase my card was declined. I called BankofAmerica to  find out my account was closed I spoke to a rep. They told me I had wait on letter they sent out. I never received letter the company said they mailed it out on XXXX.I spoke  to a rep. on XX/XX/2020 from " risk department '' of BOA they told me reason was cause of a authorized user I put on account could not be located in system when trying to verified person. BOA never reached out to see maybe information was put in correctly they just closed out all 3 of my accounts cause they believe some typo of fraud was going on.
Product: Vehicle loan or lease

Someone open auto loan in my name without my permission to do so.I am a victim of identity theft, and did not make the charge [ s ] .I did not open or authorize this account, therefore request that it be REMOVED immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name ; XXXX XXXX XXXX XXXX Account Number ; XXXX auto lease Account Name ; XXXX XXXX XXXX Account Number ; XXXX Auto Lease Account Name ; XXXX XXXX XXXX Account Number XXXX Account Name ; XXXX XXXX XXXX  Account Number ; XXXX Account Name ; XXXX XXXX XXXX Account Number ; XXXX 15 USC 1681 section 602A. States I have rights to Privacy 15USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furbish 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: Vehicle loan or lease

I paid my auto loan off in full to XXXXBridge Crest, yet the completed payment has not been reported to the credit bureau : XXXX, XXXX, XXXX. Moreover payments have not been reported for the last 2 months, as a result my credit report is reporting false and inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OXXXX 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
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX/ {$0.00} / XX/XX/2018
Product: Credit reporting or other personal consumer reports

XXXX information reporting wrong and XXXX XXXX information reporting wrong and information reporting wrong on my credit profile
Product: Credit reporting or other personal consumer reports

Forewarning, I don't remember exact dates and I am lacking in oriented proper documentation. I was ignorant and have since learned to keep all documentation when dealing with banks. This was at the beginning of my financial learning and boy, has it been a big lesson. My name has also changed since the occurrence from XXXX XXXX to XXXX XXXX. 

In the year of XXXX I opened a high yield savings account with Citi Bank and deposited {$2000.00} into the account. I thought that since I had the high yield savings with them, I should open a linked credit card with them as well. I used the credit card and had a balance of around {$700.00}. I then tried to pay my credit balance with my savings balance to no avail. They told me that I needed to link an external bank account to pay the credit balance. It took many tries with chats, calls, and emails to try and add an external account. They started continously asking for a mailing address that wasnt a XXXX XXXX and I informed them all I have is a XXXX XXXX that mail can be sent to. Eventually in that last conversation I had with them, they suddenly told me that my account was being closed and they would send me a letter informing me of why. I XXXX got upset, cut up the card, and just " gave up ''. The letter they sent me stated that my account was completely closed due to fraudulent activity. When I got back up and tried to make efforts to pay my balance again, my account " didn't exist '' and they couldn't track it using my name or my XXXX for some obscure reason. I then started getting emails warning me of my overdue balance and was able to pay it online through that email. Again, I thought it was over and was willing to just give up the {$2000.00} I had put in my saving to just be done with it. I paid a balance of {$860.00} on XX/XX/XXXX, which is the only receipt I really have thanks to my bank statements. However, now I am getting emails again saying that my balance is now {$1700.00}. I have no idea how that amount accrued as I don't have a card or an account with them anymore as they say. I still have my login info for the online banking program but it doesn't allow me to log in saying that my account doesn't exist. I'm at a complete loss concerning what to do about this whole situation but it's affecting my credit and I've been working really hard to get that up to a good level over the past few years. Any help or advise would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

inaccurate reporting to consumer report and violation of privacy. 
I've reached out to the company in regards to all the violation they're doing in regards to my rights listed below. I'v sent notice XXXX PRIVACY ACT OF 1974 15 USC 1681 15 USC 6508 15 USC 6802 15 USC 6805 16 CFR 313.7 16 CFR 433.2 15 USC 1681 eb 15 USC 1681 i7
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Conns appliance took advantage of me by offering and advertising to 0 % interest for 12mts they offered a certain credit limit i only took part of it to later find unwanted and requested extented warranty coverage charge as well as insurance.. when I call and canceled these added my own insurance bringing my account balance down then hit me a late charge and cancel my 0 % and charged me interest for my account since the beginning they say this was stated in my contracted but my cintract was not gone over at the location this was never metioned to me or i would have never open the account these type of XXXX  loans should be illegal in the US i would this to be investigated
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

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 p
ayment 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.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXXtransunion has me at a score around XXXX  That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and XXXX  That was after attempting to contact Transunion more than XXXX times. transunion is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE
Product: Consumer Loan

When clicking on the Loan Cost and Terms, link over the course of a week keep getting a " We apologize for the inconvenience but we have encountered a system error. '' When Requested a quote was not given the information requested
Product: Debt collection

I am the federally protected consumer and natural person enforcing my federally protected rights. I have more evidence which shows American Credit Acceptance in violation of my rights. 

I previously submitted an affidavit of truth to American Credit Acceptance sent on XX/XX/2021, received by American Credit Acceptance on XX/XX/2021. This Affidavit of Truth went un-rebutted. 

I then sent a Notice of Opportunity to Cure and Notice of Default alongside an invoice to American Credit Acceptance. 

The response received left me injured as American Credit Acceptance used so much obscene and profane language by alleging that I owe an alleged debt, and stating unless I made a payment towards this alleged obligation they would repossess the vehicle, although they have yet to provide proof of the obligation which has caused so much anguish and mental stress. 

I am truly saddened to have experienced the torturous business practices of American Credit Acceptance. It is with regret that due to the willful noncompliance and continuous violations of my rights, I may never do business with American Credit Acceptance again. This is my final attempt to resolve this matter before litigation.
Product: Debt collection

Have been trying to obtain verification of debt documentation since XXXX 2014. XXXX XXXX XXXX has not provided anything, neither has their attorney. It has been 9 months and this account si damaging my credit. There is no one to talk to regarding this debt.