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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXXXX/XX/XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian , XXXX - XX/XX/XXXX Equifax, XXXX XXXX XXXX XXXX XXXX  Experian EMPLOYERS NOT RECOGNIZED ACCESS XXXX XXXX XXXXCES UNEMPLOYED WITHINCOME 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I informed XXXX XXXX XXXX XXXX XXXX XXXX? ) that XXXX XXXX associates such as myself were furloughed for the duration of the Covid 19 pandemic. I sent a copy of the letter all XXXX XXXX associates had received informing them of this. This action was necessary because I was paying for merchandise by payroll deduction. This deduction was no longer available once the furloughs became effective. 

I simply did not have the funds to sustain an indefinite furlough subsistence. I inquired of SSA because I was XXXX and quickly learned that I was eligible for benefits and filed for Social Security Benefits effective XX/XX/2019. My sole income is Social Security -- I receive no other income. I live in HUD XXXX XXXX subsidized housing. There is no other income but Social Security Benefits. 

As I understand it, Social Security Benefits are exempted by law -- therefore, I am judgment proof.
Product: Checking or savings account

On XX/XX/2024, my retirement savings funds transferred into my account in the amount of {$4400.00}. Then, On XX/XX/XXXX, my account became restricted for no reason. I just recently opened this account due to fraudulent activity with another online banking. I am past due in my car note, rent, and etc bills. I called numerous of times since then and the responses i always get are Theres a representative from the internal review department that is specifically handling your account and will provide you an update with the next steps. At this moment, there isnt a specific timeframe when this investigation will be done but check your Sofi app time to time for updates revolving your account restriction. These people are full of it and i just want my funds and i will no longer want to bank with them. This is a poor banking system.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/XXXX ), I wrote a letter informing the bureaus of inaccurate information on my credit report. Now to date over 30 days later I still have not heard back from them and feel like I am being taken advantage of. It clearly states in Section 611 ( a ) that after 30 days any items on my report not verified must be removed indefinitely. They have failed to do so. I demand that these items are removed immediately, if this matter is not handled I will be forced to push this matter into litigation due to the trouble I am having with this situation. My information was also impacted by the equifax data breach a while back so my information could be in the wrong persons hands.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : XXXXXXXX XXXX XXXXXXXX Balance Owed : {$780.00} XXXX XXXX XXXX Balance Owed : {$400.00} XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX Balance Owed : {$130.00} XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX XXXXXXXX Balance Owed : {$620.00} XXXX XXXX XXXX Balance Owed : {$880.00}
Product: Debt collection

I have been violated by XXXX XXXX on XX/XX/2021. This is the second time I am filing a complaint about the same issue. I am a victim of identity theft and did not give permission to anyone for assumed access to my information. Transunion is now negligent in failing to comply with the U.S. Codes of Law.

I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1681n 15 U.S. Code 1681o Please have this inquiry removed from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and Experian 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 a personal credit card account opened XXXX XXXX XXXX under the account number XXXX, a credit card opened on XX/XX/XXXX. A personal Loan under XXXX XXXX XXXX under the account number XXXX on XX/XX/XXXX under the account number XXXX, An Auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a Credit card opened at XXXX XXXX XXXX XXXX on XXXXXX/XX/XXXX under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th 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 XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXXXX CO XXXX XXXX XXXX XXXX XXXX SC XXXX
Product: Bank account or service

In XXXX of this year I received a collection letter from XXXX stating they are collecting on behalf of CITI bank for the account in default. I NEVER HAD citi bank account!!! I disputed this with XXXX bureaus and with XXXX who failed to validate this account and send me any proof that I was the debtor on this account but advised me to get a letter from CITI bank stating that I never had an account with them. I called XXXX # for citi bank, who advised me to inquire with the branch for the letter. But branch manager advised me to call their fraud department who directed me to the local branch again .... I also have written several request to citi bank asking them to validate this account but all went ignored. I am not stuck with the collection that does NOT belong to me and with collection company XXXX who is ILLEGALLY attempting to collect debt and harassing me non stop!
Product: Debt collection

I '' m a victim of fraud and this collection company is trying to collect a debt that have past its statute of limitations. I repeatedly ask the collection company for validation of the debt that is competent evidence bearing my signature, Proof of identification ( Driver 's License or other form of Government ID }, a letter of sale or assignment from the original creditor to their company and that I ever had some contractual obligation to pay them.Those collections Consist of XXXX XXXX XXXX XX/XX/year>.
Product: Debt collection

I was on a payment agreement set up by attorney XXXX XXXX XXXX # XXXX for an account that I never got the opportunity to have validated original creditor was XXXX XXXX, but they served me papers and threatened putting a lien on my house so my wife insisted we start paying. The {$160.00} payment was automatically taken out of our account biweekly and XXXX XXXX stated he would call me when it was time to renew the auto debit. He or his office did not. My wife noticed the payment was not taken out of our joint account and assumed I used my personal account to make payments. 3 months later of no payments and 14 messages left for this attorney I finally get someone who will talk about my case. I was told XXXX XXXX filed a wage garnishment against me for non payment and even if I paid the {$4000.00} balance they would not stop the wage garnishment. I demanded to have XXXX call me immediately and when he did not only did he use profanity, call me out of my name, talk down on my ethnicity, when I told him it was illegal to take money from me in excess of what was owed he told me he can and will do whatever the XXXX he wants to do and slammed the phone hanging up on me! 5 days later I get a wage garnishment in the mail from Michigan XXXX XXXX Treasury and I object it with the court. The paper states I have 14 days to dispute it. I had {$690.00} garnished from my paycheck exactly 8 days after this attorney refused to stop the garnishment if I paid the balance in full, was vulgar and unprofessional and hung up on me. I contacted the court who stated my 14 days has expired and this attorney served me the papers later than he should have. I contacted XXXX XXXX who would not help and referred me back to XXXX XXXX XXXX at Rausch Sturm. My wife and I called repeatedly over several days and left messages and got no return calls, my wife emailed and got No reply. How is this legal to talk to someone like this, threaten them, use such vulgar language and tell me they can make me pay double on an unverified debt??
Product: Debt collection

This debt is n't even mine and needs to be removed immediately. I was told via phone with original company I was not liable anymore for this as it was paid for. Please remove this for my credit report.
Product: Credit card

For several years Syncrony Bank- credit card for LOWES has failed to include a return envelope to make a payment. Calling to record my displeasure resulted in no change, no outreach, nothing. 
The new policy as of XX/XX/year> is to charge me {$1.00} XXXX monthly for Syncrony mailing a monthly statement. I believe this policy is unfair and designed to force all customers to pay by using some automatic debit payment. This is unfair to me as a senior citizen with limited resources. The new policy requires more steps. It is designed to confuse seniors like me because I will likely miss the statement due date in my email. I only wish this bank would respond to me. It would be easier for me to fly to the moon than to call this lack of customer service company and expect ant result. Please help me
Product: Debt collection

I review my XXXX XXXX XXXX XXXX on XXXX XXXX there is a {$180.00} collection that was placed by XXXX XXXX XXXX collection. 
I don't owe this money as I filed Bankruptcy XXXX XXXX in XXXXand all my debt was discharged by Federal Judge on XX/XX/2017. 
XXXX XXXX XXXX XXXX are sharing my information to other debtors and companies. 

XXXX XXXX never sent me a debt verification. 

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

XXXX XXXX services is report on my that I have had 3 late payments. My account was set on auto payment but for some reason it  was cancelled in XXXX. XXXX is unable to tell me why and I was informed that they did not receive payment for 2 months. NO letter in the mail or email. Also this is a Business vehicle title in the business and I want it removed off of my personal. XXXX will not help and it is messing our process of purchasing our home.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX ACCT # 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
Product: Mortgage

We are 2 small businesses that own the property in which we conduct business. We have never missed or been late on our payments in the 10 years we have banked with our lender, Bank of America. 

Our business mortgage was to mature end of XXXX of 2020. When the pandemic hit it became impossible to refinance as Retail and hospitality, the two businesses that's we are were hit and hit hard. The state mandated that we stay closed and business suffered tremendously. Banks were not interested in us. Still, we made our lender our priority and never missed a payment.

The bank wished to drop us as we have not been prompt with submitting the financial documents required in our covenant. They claimed that this was our default. They gave us an extension but charged us 1 %, or 12,000. We paid it. Still they claimed default as we didn't file our financial package and still couldn't get another bank to take over the loan. Why would they, due to COVID-19 and NY State '' s restrictions we were practically closed. Even when we're able to open, people didnt come out and our store was struggling. Still, we kept paying the lender and never missed a payment. And while we were trying to get our business back on track the battle was always uphill Still, the bank said that we must refinance elsewhere or we would be assessed the default rate of 6 % over the existing 5.5 % rate plus a 2 % fine over the balance. Or XXXX dollars. This would be a crushing blow to a business that has survived the economic environment from close to 50 years as well as a new fledgling coffee shop. 

Our payments are all and have always been current but now the bank wishes to institute the default rate and take another XXXX XXXX dollars. Our businesses can not afford this. 

Covid has put a strain on all businesses but mostly on retail and food, both of our businesses housed in this building. We are trying to refinance but it's been difficult. The state mandated that we stayed close to customers and we suffered as a result. Our payments are all still current and never were not. 

Please help.
Product: Mortgage

I had a flood in my basement and recieved a check for the damages, which was also written out to the mortgage company DITECH, I have made several attemts to call them to see what I need to do with the check as they need to sign it as well. I have waited between 15 and 55 minutes on hold with out ever getting through, and it even went so far as when I told this to regular customer service and asked to speak to a supervisor, his rude response was I have other customers and rudely hung up on me I even went on their website and filled out the form to have them contact me but to no avail Please help me All i want and need is a response
Product: Debt collection

Th e National Credit System cl aims that I owe debt. I do bot get the news from them but from my friend. They harassed my friend, telling him that I owe a debt and I did not pay for it. This really embarrassed me. I never owe a debt and do not pay for it. I called them and argue with them. I asked them to verify the debt first. However, I 've never heard them since them. Several months later, they just reported to the credit bureaus. I really can not believe it. First of all, they contacted and harassed my friend before they told me about the debt, which definitely break the law. What 's more, it is not right to report the debt to credit bureau before notifying me, especially when I asked them to verify it. I do not recognized the debt at all. I think they did it completely wrong. As an individual, I will stand up for myself and never pay a debt that does not belong to me.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year>, and noticed some things are still incomplete and not accurate. According to the Fair Credit Reporting act : when 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 to.These accounts [ 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  are not complete and not accurate. open date is not reporting correctly, date lasts active, date of last payment is not correct, this account is not accurate.Please review all verified documentation sent and remove these accounts, immediately from my credit report. The account information is being reported inaccurately on my report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be reinvestigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX 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. 


XXXX XXXXXXXX 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! 

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

The collection company Berlin Wheeler is reporting XX/XX/XXXX as account opened for XXXX XXXX XXXX, past due amount {$140.00} I paid in XXXX, I advised Berlin Wheeler Agents in various calls which escalated to a supervisor, which i didn't ask for, that the actual Date of Delinquency for this XXXX   XXXX XXXX is XX/XX/XXXX, therefore a closed account stays on a credit report 7 years from date of delinquency, if this was dated correctly it would not be in my XXXX  and XXXX credit Reports. Berlin Wheeler remain adamant in inquiring waiting on XXXX  XXXX to email them and thus correcting the date of this PAID-CLOSED account. XXXX  XXXX is yet to send an email because they don't list this account as delinquent, and 1 agent advised me they don't know how the collection account got to Berlin wheeler. This is a negligent and inconsiderate credit reporting practice that is resulting in personal opportunity cost of seeking the purchase of a new home, and to rectify my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per FCRA 623 ( a ) American First Fiancial is in violation of the FCRA. The company is under obligation to only report accurate and updated information. Sending a consumer a copy of contract does not excuse the company for said violation. My account with them has been satisfied in full via Chapter XXXX Bankruptcy. The company has received copy of discharge paperwork and has blatantly refused to update the account to credit bureaus accordingly. Per 15 U.S. Code 1681s-2 Information can not be reported incorrectly. Since the account and the debt associated with it has been satisfied via Chapter XXXX Bankruptcy, the company is knowingly in breach. They are obligated by law to either delete this account and/or update to state " closed or satisfied '' verses " derogatory '' and to delete the payment history, as well as balance. American First Financial 's continual refusal to comply with the laws will allow me to seak punitive damages should they continue to violate the FCRA by knowingly providing inaccurate information to credit bureaus.