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 has violated my rights. Or list of inquiries 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: Debt collection

Ad Astra is a collection agency that has taken over a debt that was discharged in my bankruptcy. I provided the document to XXXX XXXX months ago and now these people continually call me at work, on my cell and at home.
Product: Debt collection

In XX/XX/2019, I received a phone call from CB1 Inc., in the conversation they stated that they possessed a debt of mine but have discussed the matter with my ex and she agreed to a payment plan with my ex. I stated that if anything changed to notify me but that my ex had the mail forwarded to her new address. They stated that they would mail everything to my current address even though the mail was being re-directed.

I didn't hear anything ever again from CB1. CB1 maintained contact with my ex ( not the account holder ). They never contacted me ( the account holder ) again even after my ex defaulted on her payment arrangement with CB1.

I found out what was going on by reviewing my credit report. Once I knew what was going on, I sent a debt validation letter and requested for all derogatory marks on my credit report be removed until this could be properly validated and handled. CB1 refused to take appropriate action and to follow the required instructions per the FDCPA. The attorney for CB1 has lied on multiple occasions and has attempted to XXXX me into doing what CB1 wants without CB1 taking appropriate action. 

I have filed a letter disputing the debt but have not received a response.
Product: Credit reporting or other personal consumer reports

FORMAL DISPUTE - DEMAND FOR REMOVAL OF INACCURATE INFORMATION** Social Security Number : XXXX To Whom It May Concern, This letter serves as a formal demand for the immediate removal of inaccurate, unverifiable, and unauthorized information from my credit report, in strict compliance with federal laws! Under the Fair Credit Reporting Act ( FCRA ) and other pertinent legislation, I have the indisputable right to maintain an accurate credit report and to dispute any entries that lack legitimacy or proper verification XXXX  XXXX - FDCPA Section 807 Violation Misleading - Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. 
Balance - XXXXXXXX XXXX XXXX XXXX FDCPA Section 807 Violation Misleading - Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt Balance XXXX XXXXXXXX XXXX XXXX XXXX  FDCPA Section 807 Violation Misleading - Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt Balance - XXXX Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. 
As the original creditor, only I can validate this debt. I do not validate this debt. 
Incorrect Name - XXXX This personal information is incorrect AND HAS TO BE DELETED FROM MY CREDIT REPORT. 
XXXX XXXX XXXX  Legal Basis for Dispute and Unyielding Demands : XXXX. FCRA Section 605B, 15 U.S.C. 1681c-2 - Block of Information Resulting from Identity Theft** In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), I am formally demanding the immediate blocking of the aforementioned account as it is a direct result of identity theft. Enclosed ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter
Product: Debt collection

XXXX bill collector company XXXX has negatively impacted my credit report for something that is not owed. Ive asked several times for a detailed bill but has never received one. We carried two insurances at the time and all should be covered. Office never stated there would be a balance owed or that something wasnt covered. They just went along with services without being honest of the amounts
Product: Credit reporting or other personal consumer reports

equifax is allowing an unauthorized account to report on my credit report. the account was removed and blocked but now it's showing back on there
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Bank XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX # 1486 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SECTION 604 A ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C. 1681S-2 ( A ) ( 5 ) Section STATES NO CONSUMER RE
PORTING 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 A CRIME WHICH ANTEDATES THE REPOT 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

I am writing to express my extreme frustration and outrage regarding the presence of a fraudulent account on my credit report, as reported by your bureau. This account, referenced as XXXX, is blatantly fraudulent and has been acknowledged as such by the associated company, which has already taken steps to remove it from their records. Despite my repeated efforts to have this fraudulent account removed from my credit report, your bureau has failed to take action. This is unacceptable and has had a detrimental impact on my credit score and financial standing. It is important to note that the other major credit bureaus, namely XXXX and XXXX, have promptly removed this fraudulent account from their records after verifying its fraudulent nature. The fact that your bureau has not followed suit is deeply concerning and reflects poorly on your commitment to fair and accurate reporting. I want you to remove this account from my report : XXXX XXXX
Product: Debt collection

AD ASTRA RECOVERY SERVICES This compnay appears on my credit report as an active account in collections. I have no idea who they are and why they are on my CR. Due to me being a recent victim fraud several months ago I notice inaccurate things showing on my credit report, AD SATRA RECOVERY SERVICES is certainly one of them. I was recently in a XXXX XXXX because of my health contions and now to see a collection company trying to put me back in the hospital again. This is not an my account and I demand that it be removed.
Product: Credit reporting or other personal consumer reports

The Date of Last Activity is reporting inconstantly across all 3 credit bureaus. If this account was properly verified all information should be reporting the same. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( write-off, XXXX XXXX XXXX XXXX ( XXXX ) These accounts are inaccurate and false ... I reviewed my reports and was appalled ... this is in violation of F.C.R.A. law ... I settled the XXXX account ; therefore XXXX has no right to attempt to collect payment again ... this is unlawful, and I have contacted them and was informed that they did not verify this false debt, and that XXXX verification is often not accurate or updated, and that this is what yall use. Also, XXXX XXXX was paid in full ... I contacted them also and was told that they did not report this as a write-off, but reported it as positive ... there is a grave mistake on behalf of bureaus and I was told this occurs quite often, no contracts exist for accounts, please remove or litigation will surely follow ...
Product: Credit reporting

Can not dispute online Will not do a re-investigation of accounts that have been disputed before
Product: Student loan

I am a cosigner on a student loan. On XX/XX/18 I called Navient for the payoff amount on the loan. I made the payment on the phone with customer service. I was told I would receive written confirmation and the account would be closed/marked paid in full. I didn't receive any thing so I called today XX/XX/18 and found additional payment due. If I hadn't called I would not know of these charges and was put at risk of late fees and interest as well as negative credit reporting. Was told by XXXX XXXX the additional charges were interest. Told him what I was told on XX/XX/18 and asked him how can you have interest on a XXXX  balance. He proceeded to tell me the final payment would be written off since it was less than {$60.00}. I told him I was making a formal complaint and he said he would transfer me to a supervisor. Supervisor XXXX comes on phone after a 10 minute hold wanting to congratulate me for payoff. I explained I was making a formal complaint about the misinformation I was given on XX/XX/18. She said she would forward complaint to rep 's supervisor. When I asked for the name and ID of the supervisor she said she didn't know it. But it would be forwarded. Then she said it would be forwarded to upper management. When asked who they were she again said she didn't know. But told me since balance was less than {$5.00} it would be written off and that would close the account and then I would receive written confirmation of the payoff in about two billing cycles. The problem is I will have to wait and HOPE they do their jobs and RISK negative credit reporting on an account that has been paid in full. If I lied to and misled my employer 's customers I would have been fired. These people say whatever comes to mind when they talk to you just to end the call. This not my first contact with Navient customer service. They lie and they mislead to end the calls. Should not call themselves " customer service.! ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent multiple disputes to the credit bureaus in regards to my addresses being incorrect which have been ignored just like the letters that Ive sent to them from XXXX. The following addresses need to be removed because Ive already been a victim of identity theft & this doesnt need to happen again. As a result, I have multiple charge offs on my reports that do not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquires below are not mines. some have been deleted in the past. 
Inquiry details XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX   Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Personal Loans Cos. XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry fromXX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry fromXX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry fromXX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry fromXX/XX/XXXXAutomobile Dealers, New XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX Inquiry fromXX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX  Inquiry from XX/XX/XXXXAuto Financing XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX  Inquiry from XX/XX/XXXXAuto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XX/XX/XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX  Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX  Miscellaneous Reptg. Agencies
Product: Credit card or prepaid card

Portfolio Recovery Associates accout number # XXXX was paid through a negotiated settlement in full on X/XX/2013 ... .. It was turned over to them from XXXX ( Banking ) ... .. Requested account be updated and close ... .. Other credit bureau agencies have accurate information of closed settled status ... ...
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XX/XX/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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been Over 60 days later I still have not been removed
Product: Mortgage

On XX/XX/2021 I was informed I provided cease and desist letter to Wells Fargo Bank to contact my attorney. I provide no l letter to cease and desist at attorney that has been retained is for violation of privacy law nothing other than that. 

On my request from XXXX XXXX to provided copy my ceased and desist I was denied by XXXX XXXX. There is no such Wells Fargo Bank and Mr. XXXX decision is baloney is the reasons he refused to provide letter for cease and desist. 

I provide no cases and desist letter to Wells Fargo Bank and it phony and baloney. Wells Fargo Bank was never provided any letter by me to cease and desist. 

I asked him to send of copy of cease and desist letter and flex loan modification to me since my attorney will only deal with privacy law violation. 

I asked XXXX to speak to his manager  her refused and I asked him 7 to 10 times and his reason was he call my attorney to get authorization. 

Attached letter I stated attorney was retained for violation of privacy rights and nothing other than that. Wells Fargo Bank is abusing its power with false and refused to provide copy of the letter for ceased and desist. 

Wells Fargo Bank has denied me to obtain flex loan modification documents on false reason that I have filed ceased and desist. 

I must be provide flex loan modification and once attorney of records will only deal with violation of privacy laws.
Product: Mortgage

Mortgage Servicer : BSI Financial Issue # 1 : ======= In XX/XX/2021, I placed a request to cancel automatic monthly ACH withdrawals from my First Texas Bank account. The reason for this was a pending recast. Payment for XXXX was ultimately submitted on time on XX/XX/XXXX with the new amount. 

On XX/XX/XXXX, I reinstated auto-pay for XX/XX/XXXX with the new amount. 

On XX/XX/XXXX, I made the discovery that the servicer twice charged my account : once on Monday, XXXX XXXX and once on XX/XX/XXXX. I contacted the servicer to address this issue. From what the servicer advised me, the XXXX request for cancellation was temporary for XXXX month only, which is not what I was told in XXXX. I requested a refund and was denied. I was advised to contact the bank to stop the ACH withdrawal. When asked who will cover the bank charges for stopping the ACH withdrawal, they were not ready to make a commitment. 

Issue # 2 : ======= On XX/XX/XXXX, I submitted a request in writing to remove PMI insurance on the grounds that the Loan-to-Value ratio was below the required 80 % due to a recent contribution to the principle. On XX/XX/XXXX, the servicer helped themselves again to the instalment and when asked for a justification - there was none. 

I believe this servicer should be thoroughly investigated as it is not only myself that has similar problems. They had no authority to double dip into my account and when challenged, they could not take responsibility for their actions. When trying to resolve issues with a person who has authority to make a decisions, they are either in meetings, don't answer phone calls or communicate - leaving communication to the front line workers who are just unfortunate message carriers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have tried to work with XXXX, Equifax and XXXX over the past 8 months to fix problems related to 5 late payments that incorrectly posted to my credit report from XXXX XXXX credit card XXXX XXXX car loan, and XXXX mortgage accounts between XXXX XXXX and XXXX XXXX. They have strung me along telling me months ago that I need to wait for the dispute process and they would get it fixed ... They did n't ... Then once it went over 60 days they declined and closed all my disputes out and I have been unable to reach anyone on the phone or via online requests to get this resolved. The facts are that the payments were posted late due to errors from the companies listed above not posting my payments properly via their online payment systems, which were down at the time and they advised penalties would not occur ... I tried to contact them between the months of XXXX XXXX to the present and have had no success, I heard that you all could help ... I have reached out and put in direct disputes that are now closed with all companies listed above and XXXX, XXXX and Equifax and it was never removed or resolved from my account and its really hurting my credit from me being able to refinance my house or purchase a used vehicle ... Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, ONEMAIN Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I have a credit card with XXXX XXXX that was closed by the issuer and subsequently charged off. 

While working with XXXX XXXX on a payment plan, the account was " apparently '' transferred to a law firm named Hayt, Hayt & Landau. I have no specific knowledge or communication from XXXX XXXX the account had been transferred to this firm. 

The firm " acting on behalf of it's client '', supposedly XXXX XXXX has obtained a judgment against me. 

The firm contacted me in XX/XX/2022 to arrange a repayment plan on behalf of " it's client '', XXXX XXXX. 

Terms had been discussed and was advised notification of terms would be sent vial email. That email was not received and a follow up phone call to the firm representative, XXXX XXXX went unanswered. Approximately 30 days go I received the first postal communication requesting an installment payment. Due to timing of receipt as well as current financial status, I had not been able to submit the " demand '' payment. 2 days ago, I received a notice of deposition. The law firm acting on behalf of XXXX XXXX is attempting to seize assets and garnish wages. 

Upon reviewing my credit report, XXXX XXXXXXXX has reported my account as " Closed, Account Canceled by Credit Grantor ''. If the account has been canceled, how and why can a law firm obtain judgment and furthermore seize assets, garner wages? 

I have attempted to contact XXXX XXXX to resolve this matter and my calls get immediately redirected to the law firm. 

Upon speaking with the law firm today, the firm is not interested in arranging a payment plan. Merely, pay the balance in full or be deposed.