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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 card

I have a Venmo credit card open with Synchrony Bank for over a year. The first time I attempted to use the card was XX/XX/. I discovered that the card had not been activated and had to order a new one. I spoke to representatives from Synchrony Bank several times in the course of this process. I received the new card on XX/XX/XXXX with a credit line of {$3300.00}. I booked a nonrefundable flight and used the card to make a hotel reservation. The credit card company cut my credit limit more than XXXX XXXX  on XX/XX/XXXX, to {$250.00}. Now my card does not have enough on it to cover the security deposit for the hotel and I have already booked my nonrefundable flight, a cost I would not have incurred if not for the promise of a {$3300.00} credit limit. I only discovered my credit limit had been decreased when I called because the card was not working.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a copy of my credit report in XX/XX/XXXX. In my review of the report, I noticed that XXXX XXXX XXXX was reporting I allegedly owed them {$450.00} and that it was past due. I promptly submitted a dispute to the credit bureaus as well as XXXX XXXX ( see attached ). My concerns were ( 1 ) why did I not ever receive any notification from them ; particularly the dunning letter informing me that they were attempting to collect a debt. ( 2 ) If they are indeed a third party collection agency, how then do I have terms of 1 month with them? ( 3 ) I requested that they provide supporting documentation that reflected a summary of all account activities including all payments, late charges, interest, etc. ; copies of all documents sent to me regarding the account, copies of papers bearing my original signature that show I agreed to pay what they are alleging I owe and proof that the statute of limitations has not expired on this account. 

I received none of the above. In fact, the attached documentation sent by them to me dated XX/XX/XXXX, almost 60 days after my initial request ( which is a violation of my rights as they were supposed to respond within 30 days ) ; reflects that they do not have any information to validate the entries they are reporting on my credit report. Also, note that the company did not attempt to contact me to request additional time to investigate ; they chose to disregard my rights under the FCRA as well as mandates in accordance with FDCPA. 

Lastly, if this is indeed a medical debt that belongs to me, where is the documentation to support that I gave XXXX XXXX permission to share my medical records with this company? Further, this company is reporting 2 different opening dates among the bureaus, yet another discrepancy/inaccuracy within my credit report as well as reporting that I am past due on one bureau and not past due on another. 

XXXX is blatantly damaging my credit score as they are reporting as a data factoring company and this is wholly unacceptable and not true given that they stated they do not have any documentation to support this erroneous reporting. 

This entry should be deleted from both my Experian and XXXX reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I replied to a job hiring for a XXXX XXXX XXXX XXXX on XXXX. I text the person and he lived about two hours from me. So I said sorry j wasnt j terested Shortly after, he called me at XX/XX/XXXX and advised me to log on to Experian and her my credit report. Having done some research previously, I know that obtaining your credit report is free one time a year. He had now called me twice the following day on Sunday and really is pressing to obtain my name and pushing to encourage me to complete the experion.com form. After which I assume he intends to ask for my password to " analyze '' my score. He has called from two numbers so far. XXXX and XXXX and the only name I know him by is XXXX.
Product: Debt collection

Called repeatedly the number provided ( XXXX ), trying to reach a representative at XXXX XXXX XXXX XXXX, XXXX. Phone continued to ring with no one answering. Trying to resolve a issue with receiving a recent phone call from someone trying to collect on behalf of XXXX XXXX XXXX. After speaking with XXXX, they stated the file was sold to a third party. Reached out to the third Party, XXXX XXXX XXXX and they responded as not being in business and the debt was returned to XXXX XXXX XXXX XXXX, XXXX. Not sure of what's going on but I need some answers of who placed a call to my cell phone collecting on behalf of XXXX XXXX XXXX and requesting me to settle a debt owed for {$2000.00}. The individual went on to say that a civil complaint was in process as well as a judgment. So far no one is willing to own up to the phone call made to my cell phone on last Thursday ( XX/XX/2019 ) regarding this debt they say I owe. So again, I need a verification of debt in writing from XXXX XXXX XXXX XXXX, they say I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting inaccurate information to the consumer reporting agencies. The consumer reporting agencies have failed to do a complete investigation as required by the FCRA. I am requesting my credit file pursuant to 15 USC 1681a ( g ) and that the XXXX XXXX accounts on my consumer report be corrected to reflect open with no missing payments. I have attached the complaint that has been filed with US District Court and will file a complaint with the consumer reporting agencies if they continue to report the account with missing payments. Pursuant to 15 USC 1681b ( a ) ( 2 ) the consumer reporting agencies are to furnish my consumer report under the following circumstances and no other, " in accordance with the written instructions of the consumer to whom it relates. '' My written instructions are as follows : report the XXXX XXXX accounts as open with no late payments. XXXX, Equifax, and XXXX do not need to contact XXXX XXXX in order to follow the written instructions of the consumer, as I am the consumer. By failing to follow my written instructions you are infringing on my right to credit, willfully violating the FCRA and are subject to punitive, statutory, and actual damages pursuant to 15 USC 1681n and 1681o.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking XXXX, Transunion, and XXXX to investigate my accounts. It has been over 30 days. These consumers reporting agencies are in violation. According to 15 USC-1681iXXXX, Transunion, and XXXX have 30 days to investigate and sent me these letters. And they also didn't even record the current status of the disputed information in which is another violation. I have all the evidence attatched below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX ACCOUNT NUMBER # XXXX ( XXXX XXXX XXXX ) ACCOUNT NUMBER # XXXX ( XXXX XXXX XXXX ) ACCOUNT NUMBER # XXXX ( XXXX XXXX XXXX ) This Company has been notified with numerous letters and has failed to validate the debt related to identity theft. My accounts have not been investigated thoroughly, I have not received the requested documentation that shows any contracts, and validation. Pursuant 15 U.S Code sS 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency 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 by such agency of ( 1 ) Appropriate proof of the identity of the consumer : ( 2 ) A copy of 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. This has damaged my reputation and the company has failed to respond to my dispute letter that included an identity theft affidavit along with the requested identity proof documents. SEE CERTIFIED MAIL TRACKING NUMBER SENT TO XXXX XXXX XXXX XXXX SENT TO Account XXXX XXXX XXXX XXXX XXXX XXXX SENT TO TRANSUNION VIA XXXX CERITIFED MAIL XXXX SENT TO XXXX VIA XXXX XXXX MAIL XXXX SENT TO XXXX VIA XXXX XXXX MAIL 15 U.S. Code sS 1681n- Civil liability for willful noncompliance ( a ) In General Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( XXXX ) Such amount of punitive damages as the court may allow ; and ( XXXX ) In the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I have attached all the relevant documents pursuant the above section of the law. I demand all the above fraudulent accounts in the attached dispute/identity theft letter be DELETED immediately within 4 days of being notified of the identity theft.
Product: Debt collection

A representative from a company named Concord XXXX phoned me claiming I owed for a pay day loan from XXXX. The representative could not identify the company where the loan originated. She knew my address and said numerous attempts were made to serve me a summons. She also claimed they were representing XXXX XXXX, a clearinghouse for collecting pay day loans. My credit union account shows no record of any pay day loan during that time.
Product: Credit card

I would like for Capital One to update my account and change the inaccuracies of the late payments ( XXXX - XXXX ). I also feel this company has unfair practices, the explanation of interest/charges were misleading and unfair. These fees were manipulative and were a sales tactic to attract customers with low advertised prices, only to tack on additional charges later. All I paid was fees because my card was barley used. It is very deceiving and frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Debt collection

XXXX XXXX incorrectly claimed I didn't pay a bill for rental equipment that wasn't returned to them at an address that I never moved to, for equipment that I never requested or received, and then proceeded to ruin my credit. They are in violation of the fair credit reporting act and I'd like to be compensated for them putting me and my family through this during such a stressful time. 

On XX/XX/XXXX I called XXXX  to provide a new address for transfer of services to a new address to begin services on XXXX XXXX. I called back the next day to let them know I will no longer be moving to that address and to cancel that order. They confirmed several times that order was cancelled. I moved on XXXX XXXX to a different address and continued XXXX  service at that new address, so they continued to have all of my contact information and knew how to reach me. I've never paid any XXXX  bill late in the many years I've been a loyal customer, which they confirmed to me several times, which is why what happened next is even more frustrating. 

They NEVER ATTEMPTED TO CONTACT ME via tel/email/mail to let me know that they THINK I owe them anything before sending an incorrect supposed debt off to a collections agency on XXXX the XXXX called Amsher Collections Services, which also NEVER ATTEMPTED TO CONTACT ME before reporting the fraudulent debt WHICH I DO NOT OWE on XXXX, to the national credit reporting agencies thereby damaging my credit significantly. In fact, the only way I even knew this was a debt they were attempting to collect was AFTER my credit monitoring report let me know that my credit decreased by 100 points! I never was made aware of this attempted debt collection prior to this ding on my credit report and had to research how this happened after the fact. 

When I called XXXX/XXXX  customer service they confirmed that I do not owe them anything and that they likely lost their own equipment. They also confirmed that they saw in their files that I never received service or equipment at the address that I was sent to collections for. Nevertheless, after speaking with 2 different representatives, they refused to tell the collections agency to correct the fraudulent charge until they complete an 'internal investigation ' that clearly, has nothing to do with me. How is this legal?! 

I believe both XXXX/XXXX  XXXX  as well as their collections agency, Amsher Collections, to be in violation of the Fair Credit Reporting Act and I must insist on immediate correction of my credit report as well as compensation for the damages this has caused to me and my family.
Product: Credit reporting or other personal consumer reports

So, I continue to fight with this company about this debt that does not belong to me. They send me billing statements that at an address that I never lived at, from as far back as XXXX. I am XXXX XXXX XXXX, I have a son XXXX XXXX XXXX. I have a current XXXX account in my name. 
There is no payment history on this account, you send me bills from XXXX, but this account also says it was opened in XX/XX/XXXX and has different last active dates from both XXXX and TransUnion. 
Please remove this account for the continued mistakes and lack of validation. XXXX has already removed this account.
Product: Credit reporting or other personal consumer reports

On Today, XX/XX/XXXX I received several notices from Equifax regarding a complaint I submitted with you the Consumer Financial Protection Bureau ( CFPB ). The case number I am referencing from the CFPB is XXXX. 

In XXXX of the communications from Equifax ( see attachment-Equifax-Blocking of XXXX Information ), they are assuming I am accusing them of blocking information from my credit report. If you look at my complaint # XXXX, my concern is not that they are blocking my information, however, I requested that information on my credit report be re-investigated as I believe there is inaccurate information reporting. Particularly, an account with XXXX XXXX XXXX # # # for {$920.00}. I demanded that Equifax provide verifiable proof ( i.e. original consumer contract with my wet signature ) that I have an agreement/account with XXXX XXXX XXXX XXXX It is my right as a consumer under the Fair Credit Reporting Act to request this information. 

The second piece of communication I received on XX/XX/XXXX was Equifax requesting I provide them with documents to verify my identity. I have attached this communication for your review ( see XXXX XXXX XXXX XXXX ). It my complaint I submitted to the CFPB, I provided XXXX pieces of identification which included my current drivers license, my social security card, and proof of address. I am uploaded a copy of my original complaint ( see CFPB # XXXX ) that has all my attachments listed. If CFPB assures consumers that all supporting documentation will be shared with the bureaus, why is Equifax again requesting this information. 

I am also uploading my proof of identity again. It is my hope this information is shared with Equifax. It will include a copy of my current drivers license, social security card, and proof of address. 

I am led to believe that Equifax is using a stalling tactic regarding this matter, and is in violation of my rights as a consumer. I demand that Equifax follow up in a timely manner instead of making me as a consumer wait another 30 days for an update. If they are unable to verify the above mention information by providing verifiable proof, I demand that account be removed.
Product: Student loan

On XX/XX/23, I contacted AidVantage, my student loan servicer to understand how I can make a principal only payment on my student loan once my regular monthly payment had been made. I received a confirmation that the request for information was received but I never received a response. So on XX/XX/23, I spoke with XXXX XXXX, Employee ID XXXX who told me that any payments I make in addition to the regular monthly payment will automatically be applied to the principal balance and will not be applied towards the interest. I was very clear that I want all additional payments, above my monthly payment, to ONLY be applied to the principal balance of my student loan. I was assured several times that all additional payments would go towards the principal, not the interest. As a result of this conversation, on XX/XX/23, I submitted an additional payment for {$160.00}. XXXX and see that {$18.00} of that payment went towards interest and the remaining went towards the principal. On XX/XX/23, my automatic payment of {$320.00}, which is double my required monthly payment of {$160.00}, was posted to my account and shows that {$72.00} was applied to interest. 
It is unethical financial practices to not allow people to make principal balance payments against their debts. I have a legal right to payments against my student loan principal balance and AidVantage does not apply barrows to do this and in fact, was misleading about my ability to do this. I am requesting that AidVantage apply all payments previously made and made in the future, in excess of my monthly payment, be allocated it towards my principal balance only.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain entries on my credit report. I do not recognize the listed accounts or their current status as reported. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am entitled to dispute inaccurate or incomplete information on my credit report. Additionally, under 15 U.S.C. 1681e ( b ), creditors and credit reporting agencies are required to ensure that the information provided to them is accurate and complete.

The accounts I dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Balance : {$750.00} XXXX XXXX Account Number : XXXX Balance : {$3700.00} XXXX XXXX  Account Number : XXXX Balance : {$1000.00} I hereby state that I do not recognize any of these accounts or the amounts reported as being owed. I have never opened these accounts, nor do I acknowledge any liability for these charges. These accounts may be the result of identity theft or clerical errors.

Furthermore, in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( g ), I request that you provide proper verification of these debts, including the name of the creditor and the detailed history of the alleged debts. I reserve my right to dispute these debts further should proper validation not be provided.

Please investigate these matters and, in accordance with the FCRA, remove or correct any inaccurate, incomplete, or unverifiable information on my credit report. I request that you provide me with the results of your investigation, as well as a copy of the corrected credit report upon completion.

If any of these accounts were reported in error, I also request that you remove the negative entries and notify me in writing of the actions taken. If verification can not be provided, I expect these items to be permanently deleted from my credit report in accordance with the FCRA.

Thank you for your prompt attention to this matter. I look forward to your confirmation of the dispute resolution.
Product: Mortgage

Arvest Mortgage purchased my home mortgage XXXX or 12 years ago. During that period, I was never late with my payment, never missed a payment, and always paid more than the minimum amount due. In XXXX of XXXX and XXXX of XXXX, I twice requested a payoff amount thru their phone tree system and never received a response. Twice, I paid off the balance due ( which is not the payoff amount ) of the loan and then Arvest quit sending me a statement. XXXX months later, Arvest sent me a late payment notice and reported this to the credit reporting system. I have written to Arvest asking them to remove that late payment from my account based on a pristine history. That was denied. XXXX times I have requested the payoff statements asked for thru their phone tree system and the XXXX late payment statements. None of which they have provided for me. 

The manner is which my requests have been handled indicate some kind of cover-up is happening. I would be very surprised if you do not have similar complaints against Arvest.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts I do not recognize are continued here. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several complaints to Equifax. To date, no progress has been made but I received the attached letter dated XX/XX/2020 requesting additional information. I believe this is in reference to Equifax # XXXX. This letter asking for additional information advises to return the additional information to TWO addresses : XXXX XXXX XXXX and XXXX XXXX XXXX!!! What is the correct address to send information? Why is Equifax delaying a response to my original complaint and further confusing the issue? Equifax has an obligation to provide accurate information but clearly can't figure out its own address. Why is Equifax advising me to respond to two addresses?