23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the tair credit reporting act. The list of accounts below has violated my protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX and XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. C 1681 section XXXX A. States I have right to privacy 15 U.S.C. 
Section XXXX A Section XXXX it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( XXXX ) section states no 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 that XXXX  years. 
15 U.S.C. 16815-2 ( A ) ( XXXX ) 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 accurate. I have no contract agreement with any of these companies I requested proof that I have a contract with the companies no one has provided proof yet
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft, I found that under section 605b ( a ) Experian, XXXX, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$100.00}, XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$800.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$3200.00}.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S CODE 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal consumer rights to privacy and confidentiality under USC 1681.

15 U.S.C 1681 section 602a states I have the right to privacy 15 U.S.C 1681 Section 604a 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 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 the the information is inaccurate. 

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

Central Financial control is a collection agency that is handling my medical debt. I spoke with an agent in XXXX of 2016. They agreed that if I settled the balance then the items would be removed from my report. I paid the times and the agency is still reporting as negatively. i paid half of the debt which was considered settled in full, however, the remaining balance is showing negatively on my credit report. I am requesting that you contact the agency and have them remove theses items from my credit report.
Product: Credit card

I pay bills online exactly the day they are due. Barclay has decided to not accept online payments for my due date after XXXX eastern time which is XXXX for me. This has never been convenient and payments online after XXXX is my standard procedure. This problem is currently occurring and has been an negative issue for several months. I have made this problem known to the company several times and they have responded by refunding the late fees, only to make me pay the amount due and removing the fees from the balance. This method is also inconvenient because I am still having to go over budget to pay the " waived fees ''. I have complained to them about this several times and now they refuse to remove the fees. This problem is well documented within my account and their acceptance of it being a problem is well documented with the refunds.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX  : # XXXX, XXXX  XXXX XXXX XXXX : # 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 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: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX New inquiries : XXXX XXXX XXXX  XX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.
Product: Debt collection

Collector called multiple times at my work office stating that I owe a debt which does not have the correct name nor address. Collector can not prove that I own the debt and can not verify any of the information which can be linked back to me.
Product: Debt collection

Encore is repeatedly calling my work. I have included a log of the calls received just in the last few days, I deleted the others. 

ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX
Product: Bank account or service

This is a complaint against Branch Banking & Trust, to request removal of my XXXX credit report dated XXXX/XXXX/2015. This inquiry to my credit was not authorized by me, has been without my authorization, I do not have any product or relationship with you, no Loans product, therefore I make this request to immediately remove this inquirie that aparace in my report and that affects my score negatively, and request adhere to the laws of fair credit and stir to eliminate an error that is not mine and never authorized, I appreciate your prompt help to my request
Product: Credit reporting or other personal consumer reports

Experian continues to report XXXX XXXXXXXX XXXX XXXXXXXX XXXX accounts that were paid insurers ot do not belong to me. I have disputed and Experian will not allow dispute denying my federal right. 
I initiated three disputes for which EXPERIAN DID SHAM INVESTIGATIONS OR REFUSED TO PROCEED ON XX/XX/XXXXXXXX XXXX XXXX 
Re : XXXX XXXX Account XXXX, XXXX, XXXX the original creditor is XXXX XXXXXXXX XXXX who was paid in full by XXXX XXXX XXXX XXXX XXXX. 
Further on XX/XX/XXXX the Biden administration in joint effort with CFPB announced final rule to remove inclusion of medical debt reporting which EXPERIAN hasn't been proactive in protecting consumers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2021 I filed a dispute with the credit bureaus ( Equifax and XXXX ). I know that the law states that the creditors have 30-45 days to respond to any disputes. XXXX XXXX did not respond to either bureau. I would like for the credit bureaus to remove this information from my report in a timely manner. They have not done this.
Product: Debt collection

Hello, I received two letters from your company trying to collect a debt for XXXX XXXX XXXX. 
One letter for myself and my daughter. 

XXXX XXXX XXXX I do not owe this debt. Legal counsel from XXXX XXXX XXXX stated that I did not get charged an early termination fee or collected attached is the letter. 

I never received an intent to collect a letter from them. Your collection letter was the first I ever heard of this allegation. 

XXXX XXXX : my daughter was never on the lease. 

I spoke to XXXX XXXX XXXX XXXX and XXXX ( her superior ) and they are claiming that they never sent this amount for my daughter as she was never on the lease. I spoke to them on XX/XX/22 and XX/XX/22. XXXX and XXXX are both stating that Rent Recovery Solutions is responsible for collecting debt - I told them that the letter states " Rent Recovery Solutions is trying to collect a debt for XXXX XXXX XXXX XXXX 

XXXX ( property XXXX also said that she did not know the legal counsel from XXXX XXXX XXXX had decided not to charge an early termination fee. 

I forwarded the document shared with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESEARETHEACCOUNTSTHATISONMYCREDITREPORT1.XXXXXXXXXXXXAMOUNTXXXXXXXXDATEOPENEDXXXX2.XXXXXXXXXXXXAMOUNTXXXXXXXXDATEOPENEDXXXX3.XXXXXXXXXXXXAMOUNT:{$2000.00}DATEOPENEDXXXX4.XXXXXXXXXXXXXXXXXXXXAMOUNT:$XXXXDATEOPENEDXXXXINQUIRESXXXX/XXXX,XXXXXXXXXXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I need your assistance regarding this misleading account on my credit report. This issue has negatively affected my reputation, and I require your support. Your mishandling of my credit report has left me feeling XXXX, as this misleading information has damaged my standing. It is essential that you eliminate this incorrect information from my credit report.
Product: Checking or savings account

XX/XX/2022 Chime financial inc STOLE about XXXX dollars from me. They closed my account and will not give me the money that was left in there. They told me to prove a transaction that was authorized from an external bank and have it sent from the external bank and when i did they tried changing the rules telling me i have to send an authorized letter. I dont understand how a company can close account with your money in it and not give you a check with YOUR money on it. I did not owe any money to chime so they have no reason to keep MY money.
Product: Credit reporting or other personal consumer reports

Today, my online account was again not functioning, so I was unable to access my dispute center, freeze status, credit report, or Fraud alerts. After speaking with several agents, I was told I could complete the disputes on the phone. I voiced my concerns regarding the conversation I had with XXXX that lasted until XXXX XXXX XXXX today. XXXX was very rude and unhelpful when I asked if she was able to use my FTC, police report, ID, and FCRA 605 request to block information She kept rudely repeating " No, but I can see you filed a CFPB complaint today. '' When I finally tricked her into acknowledging my documents were on file, she claimed that she could file my disputes over the phone with that and " MY CFPB REPORT '' After she took down the information about the three accounts, asked me why I wanted them disputed and I told her these are not related to any transactions I have made, they are not my accounts or debts, I am a victim of identity theft, and these accounts are listed on my report. I had to ask her when they would be resolved as she didn't offer any information. She stated 30 days. I repeated again I wanted the information blocked from my file within 4 business days in accordance to FCRA 605b as the accounts did not belong to me, and she completely dismissed my request. She kept asking me specific questions about the accounts and I told her I didn't know because they weren't mine like I stated, they were on my FTC report. Finally, she hung up on me when I asked to speak to a supervisor or someone to escalate my issue. 3 more representatives later, I was connected with XXXX in the " special handling '' department. He was unable to help me, again refused to acknowledge my rights under FCRA 605B to block inaccurate information of my credit report within 4 business days. XXXX stated that I would need to contact the creditors directly and send it to them as Trans Union doesn't acknowledge or go by the consumer protection measures of FCRA 605b as I mentioned. I argued that I have been trying to resolve these issues at least a month which is why I have already submitted two reports to the CFPB, and he still was not helpful. I said I would just report this interaction as well, and the call was ended. I am writing this complaint to document TransUnion 's practices. I plan to seek legal action after four days as this bureau has made it completely impossible to reclaim my identity.
Product: Consumer Loan

On XXXX XXXX, XXXX I purchased a car through Santander Consumer. The cost of my car was {$12000.00} with an interest rate of 24.99 % I put {$3000.00} down. As of today XXXX/XXXX/XXXX, I owe {$13000.00}. I have made XXXX payments of XXXX. 
I called Santander to ask questions about my loan, I was told that My balance is my balance whether I pay off the loan early or not. XXXX XXXX the manager I spoke with could not tell me the amount of interest and the amount of Principle that defined my loan. I was told I have a simple interest loan with accruing daily interest of {$8.00}. and after 10 days a late fee is applied of XXXX. I do n't believe that this loan fair nor should it be legal to take advantage of consumers when we are not aware of all of the thin lines and loop holes. I have paid {$16000.00} on my car and I still another 4/5 years to pay it off. It is a XXXX XXXX XXXX.
Product: Debt collection

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - On XX/XX/XXXX, I received a letter from Metro Area Collection Service , Inc., a collection agency. The letter stated that I had ten ( 10 ) days to pay the alleged debt, however the letter was dated XX/XX/XXXX. I immediately contacted the agency and requested that they provide me with their bonding agent or number. Texas Finance Code requires : - All Third-Party Debt Collectors to maintain a bond with the Texas Secretary of State ( Texas Finance Code Section 392.101 ) The collection agency has failed to comply with my request and also does not hold a surety bond with the Texas Secretary of State. Metro Area Collection Service , Inc. is attempting to illegally collect a debt in the State of Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

My data has been breach since XX/XX/XXXX XX/XX/XXXX and I still have not receive help by people that back my information scammers acting like I won an award and also my information was breach with XXXX and the three bureaus where my data was hack. I would hope to get help people using my information to get credit cards and ruin my credit history and use my social security and other data that should had been protected by the three bureaus and ftc.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX Acct XXXX. : XXXX Acct XXXX. : XXXX Acct XXXX. : XXXX Acct XXXX. : XXXX Acct XXXX. : XXXX Bank XXXX XXXX Acct XXXX. : XXXX Acct XXXX. : XXXX Acct XXXX. : XXXX Acct XXXX. : XXXX Acct XXXX. : XXXX XXXX XXXXXXXX  XXXX Acct No. : XXXX Below are the following US Code violations these entities have committed. 

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to aconsumera description referred to in paragraph by not later than 15 days after receiving a request from theconsumerfor that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show this bank is in direct violation. As Ive yet to be contacted via phone by any of these entities and they continue to report fraudulent accounts to my consumer file.
Product: Mortgage

PHH mortgage corporation and XXXX XXXX has been asking for a refund for overpayment the past XXXX years in a row from our local XXXX office. Our local XXXX office has repeatably notified PHH they have not received an overpayment from PHH Mortgage Services By law can not accept overpayments. Winter 2019 PHH did not pay my winter XXXX resulting in a XXXX XXXX notice sent to my residence. I promptly paid back XXXX and PHH increased my escrow balance after not paying our tax bill. Every year since then they increase my escrow balance due from XXXX to XXXX. We have provided PHH with legal descriptions, Parcel ID, paid and unpaid XXXX bills along with images of checks they sent for correct amount. I have no idea if PHH mortgage corporation has record of escrow balance sheet and/or how much money lost and not accounted for. We are reaching out for corrective action be taken and this resolved after years of hardship countless trips to county and township government offices, days of vacation used, phone calls, email and traveling for documentation.
Product: Credit card or prepaid card

US Bank has a due date on their card, i made the payment online directly with them. 
I was charged a late fee anyway. I called to contest the fee, I was told because I have had late fees before they can't waive the late fee even though I paid on time. The logic is because you have had problems paying before, when you did pay online on the due date they say that the time of the payment was after XXXX central time. Looking over several months, I see that unbeknowst to me I have been charged late fees anyway. Even when paying on the due date. This cant be correct. No other credit card companies charge the customer late fee for paying on the due date but after some arbitary time. I would like the fee waived. When I requested to speak to someone else, other than the customer service representative, I was cut off.
Product: Credit reporting or other personal consumer reports

Information that is reported I have no previous knowledge of it. I demand proof and validation debt is mine. If not validated, delete immediately. Collection is in violation of the 15 USC Code 1681b