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 Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

I submitted a previous complaint that specific address were not removed. I submitted an ID with my name and address. I reviewed the feedback from this company and my name is spelled incorrectly. 

I need my name corrected
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}.
Product: Checking or savings account

My father, XXXX XXXX, ( over whose finance I have power of attorney ) has a Flexible Premium annuity that he opened years ago with USAA. Policy number # XXXX. My father called and asked what the taxable liability was on the policy in XXXX and was told roughy XXXX was the taxable liability. The interest on the account was taxable. I asked USAA to transfer XXXX from this annuity to his checking account. USAA never did this even after after my father and I both reached out to them several times. At the end of XXXX ( XX/XX/XXXX ), I sent a transfer of ownership request via US mail to USAA which was received by them on XX/XX/XXXX. In XXXX, my father called USAA to inquire why the transfer was not made and was told they were too busy to process the transfer and it would be done soon. Called again in late XXXX, and was told again it was in process. In late XXXX, I received a 1099 form showing a withdrawal of XXXX. I called USAA to inquire why I received this when the money should have been taken out of taxable interest, not principal. USAA responded it was taken out of principal accidentally. USAA now maintains that there is a major ax liability on this policy. The XXXX was taken out of principal not interest mistakenly. My father has called many times and has not been allowed to speak with a supervisor. They will not discuss the matter with me and they have held me on the phone for 30 to 45 minutes while my case was discussed. They still have not transferred ownership to me ( his daughter ) nor they have clarified why they applied the withdrawal to principal rather than interest. They claim they have conducted 3 audits and have offered no explanation. Their attitude has been adversarial. While they claimed to have fixed the mistake there are two secondary effects of this. First, my father wanted to transfer this money to me in Florida where the income tax is lower, so he is now left with a larger tax liability since he has moved to New Jersey. Second, my father has spent countless days and a lot of worry trying to get USAA to fix this problem with zero help. He feels emotionally drained and cheated when this is a company that is supposed to be helping veterans like him. Never once has USAA apologized. Please help me help my father hold USAA accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX CT, XXXX XXXX, FL XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Request for Debt Verification Page To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( Equifax, XXXX or XXXX ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX CT, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXXXXXX, TX XXXX ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2100.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$6100.00} ; XXXX XXXX Balance Owed : {$0.00}.
Product: Debt collection

To whom it may concern, I XXXX XXXX are writing to you in reference to an account with Capital One Bank whose collection agency is XXXX XXXX XXXX XXXX is reporting a collection amount of {$4400.00}. This collection agency has updated this account in which it keeps the account current with no closed date. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.
Product: Debt collection

Constant phone calls. On a daily sometimes multiple times a day. Ive asked to stop being called. It's a medical bill from almost 10 years ago.
Product: Credit card or prepaid card

XX/XX/XXXX and XX/XX/XXXX chime credit builder reported an unpaid balance and tanked my credit score. This is a pre paid card I will never have an unpaid balance. This is happening to a lot of people that are trying to raise their scores not have them destroyed further. I have contacted chime a ton of times with no help in fixing what they did.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/XXXX, I received a notice from AWA Collections stating that I owed {$560.00}. I checked the boxes in the notice stating that it was not my debt and asked that they provide proof with the name and address of the original creditor- I never received any information or follow up. 

Suddenly XXXX full year later from XXXX, on XX/XX/XXXX I received a letter from XXXX asking that I provide proof of having insurance with another XXXX prior to XX/XX/XXXX. It stated that without proof, 'no credit would be given and the balance would be owed '. The balance at the top of this letter was : {$560.00}. 

I immediately provided proof to XXXX XXXX insurance as documented via email threads that I was in fact covered by another insurance provider elsewhere prior to XX/XX/XXXX, prior to the cancellation of my former policy. I scanned and sent over the ID cards and insurance declaration to XXXX Agent on XX/XX/XXXX. 

On XX/XX/XXXX I received a notice from XXXX XXXX that I had a derogatory mark on my credit report. I emailed XXXX again saying : " I provided all proper documentation to you and XXXX per the letter that XXXX has sent me proving that I had in fact secured insurance via another party prior to XX/XX/XXXX per the letter from XXXX  ''. I did not receive a reply to my email. 

I have noticed a derogatory mark on my credit report and that you have sent me to collections. I will be taking legal action against XXXX, reporting you to the XXXX  and making a formal complaint against you specifically based on the above. 

I followed up with XXXX on XX/XX/XXXX and XX/XX/XXXX, and again did not receive a reply. On XX/XX/XXXX, I sent a personal letter to AWA asking that they validate the debt, and again have not received any information from them to date. 

AWA has continued to harass me by calling me, and texting me, despite me asking that they stop contacting me.
Product: Credit card

American Express mailed me a promotional offer for a American Express Business Platinum Card, with XXXX American Express Reward points promised if I spent {$20000.00} within the first 3 months of opening an account and XXXX American Express Reward points if I spent {$10000.00} within the first 3 months. 

I have had an AmEx Platinum card before, and I specifically asked the representative on the phone, " Do I qualify for points even though I had a card in the past? '' She replied, " Yes, you do qualify for the points. '' I banked on her promise, accepted the card, paid the membership fee, and planned to use the points for a trip with my fiance later this year. 

Now, I am told because the XXXX explicitly say that those who have used this card before do NOT qualify for the points, I am no longer entitled to them. However, I DID EXPLICITLY INQUIRE ABOUT THIS ISSUE, AND I WAS PROMISED, BY THE REP, THAT I WOULD STILL RECEIVE THE POINTS BECAUSE I HAD NOT HAD A CARD FOR A LONG TIME. 

I want American Express to provide me with the XXXX points to which I am entitled : they send flyers to people promising them something, and if their marketing strategy is to deceive people who do NOT qualify for a promotion a promotion, they are acting in bad faith and should be punished for deceiving the public and causing harm to not only me, but those more vulnerable in society who ca n't assert their rights like I can. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I got money stolen from me and seems like no one is helping on getting it back. I am also doing a police report. This happened back in XXXX and i am still fighting it. I got an email to transferred my 20 percent down to who i thought was the title company and it end up being a fraud and i lost all that money and seems no one is helping us. XXXX XXXX title was the title company and they didn't help me- even though the email was using their logo and things. I am afraid this is happening to other people and they are not helping. I tired getting the money stopped from my old bank, XXXX and they were no help. I canceled the bank... I am hoping the police can help but also wanted to try you guys. this was XXXX, XXXX Seems like the title company, bank and no one cares or what to help me get this money back. Its sad that people get away with that much money and no one is helping on getting it back. I almost lost a house and i have kids and just ddoesnt seem like no one wants to help/ thank you
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and discovered an erroneous late payment entry on an account where I have always maintained timely payments. Specifically, the account in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with late payments reported for XX/XX/year>. As outlined by the Fair Credit Reporting Act, consumer reporting agencies are obligated to ensure the utmost accuracy in reporting consumer information. I have never been late on any payments for this account and did not give written consent for the reporting of these late payments. I kindly request that you investigate this matter promptly. Please provide evidence of any late payments, including statements supporting the claim, and proof that I authorized the reporting of this information. If such proof can not be provided, I expect the payment status to be corrected to " on time, '' reflecting my actual payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

In order for a deficiency to be applied to a credit report in a repossession the car loan creditor ( United Auto Credit ) must provide the client with various, timely written notices, as well as give you the opportunity to exercise certain rights. If a creditor ( United Auto Credit ) fails to give you a required written notice, then I can challenge its claim  for a deficiency judgment. 

Those written notices include : your right to redeem the car and when you can do it your right to reinstate the loan and when you can do it if the creditor is selling the car at a private sale, the date of the sale if the creditor is selling the car at an auction, the date, time, and location of the sale, and a calculation of the deficiency balance ( or surplus, if applicable ), including a description of fees and charges. ( the only document I have been provided ) I have on numerous occasions, requested the documents required by law, as identified above and have yet to receive a copy. If the above mentioned documents are not provided within 15 days, as required by law therefore can not be a claim for a deficiency. And this account must be deleted from my credit report. 

Since this is my THIRD request, I will also be sending a copy of this letter to the Federal Trade Commission, the Consumer Financial Protection Bureau and the Credit Reporting Agencies notifying them that I requests for legal notices that United Auto Credit is unable to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, XXXXXXXX XXXXl XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX, XXXXXXXX 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 instructionsI
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting that I owe {$16000.00}. This is incorrect. I settled with the law firm that they hired, XXXX XXXX XXXX. I settled and paid {$9000.00} on XX/XX/XXXX. They also garnished my paycheck starting XXXX. I have repeatedly contacted the credit report companies and XXXX to have this collection removed, but they are stating it is correct. I submitted the settlement letter along with the release of judgment letter to them all. Only XXXX XXXX removed the collection. I want them all to remove the collection. It is more than 10 years old and has been paid. I have tried to talk to someone from XXXX, but because my account was in collection, they only communicate by email. I received an email XX/XX/XXXX stating that this collection is reporting correctly and that they do not report on judgment accounts. The judgment has been released. The law firm sent me the release letter. This inaccuracy and lies are preventing me from qualifying for a mortgage. I am trying to buy a home, and my credit score is incorrect, and I would like it corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : DPT ED/XXXX XXXX Balance : {$310000.00} ; XXXX XXXX Balance : {$440.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$500.00}
Product: Credit card or prepaid card

I have tried twice to make a purchase on XXXX with a Bread XXXX XXXX XXXX card. The first time it was denied and I was told that they thought it was a fraud and it will be fixed. It happened again the next day when it was denied after being told that the problem has been solved. I called them asking why it has been denied since they issued this credit card to me. They are asking me to send them a copy of my social security card, my driver 's license, and a bill with my mailing address. I will not send them a copy of my social security card since I feel there is no need for them to have it. They are saying that after issuing this card and lowering my credit score that after I send them this information they will let me know in 30 days if I should get credit. If they aren't sure about if I should get credit or not, why did they issue a card in the first place? 

Since they said at the beginning of the call that it is monitored and recorded for quality assurance they should have a record of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am 120 days past due on XXXX partial account number XXXX. ( Please see page 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

I have been trying to get my report updated with only accurate information for the last few years and I am still battling against these reporting agencies. I recently submitted yet again my XXXX written request to XXXX, XXXX XXXX and Equifax to have the incorrect information updated and or removed from my credit report. To date it still hasn't been resolved.. The information these agencies have been furnishing has been inaccurate and has impacted my score negatively even though I have many accounts that are all paid as agreed and never late, the negative information has significantly dropped my score and prevented me from being able to get a car, qualify for a XXXX XXXX agreement not to mention countless opportunities to help to further my business and take care of my family. 15 USC Code 1681s-2 ( A ) 1- States " 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. In addition 15 USC 1681e says " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishings of consumer reports for the purposes listed under section 1681b of this title. 

I have researched diligently and according to the FCRA 15 USC 1681 602 which says " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy ''. XXXX XXXX, XXXX and Equifax are consumer reporting agencies and I am the consumer. I do have the right to protect my private information and make sure its not shared. This is backed also by 15 USC 6801. This states " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information ''. Furnisher of information to credit agencies is a financial institution by definition under that title. Also 15 USC 1681 604 section 2 says " In general subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. The financial institutions and the consumer reporting agencies, XXXX XXXX, Equifax and XXXX do not have my written consent to furnish any information. You can see in the documentation I have requested to Opt out in writing several times. Equifax, XXXX and XXXX are not maintaining reasonable procedures and are in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I found many inaccuracies. The following accounts are inaccurate, yet your company continues to report inaccurate information to my consumer report. Under the provisions of the FCRA I am demanding that your agency proves to me in writing the accuracy of the reporting of the inaccurate accounts listed below. 
By law you have 30 days to provide me with proof of accuracy or these inaccurate accounts must be removed from my report. I have sent this complaint through the CFPB so it is timestamped, and I have attached my license and proof address to this complaint, and the CFPB sends me copies of this complaint so I have proof if need be, so I expect a prompt response from your agency. In the event that your agency fails to respond with the proper documentation that I, the consumer, has requested within the 30 day period, as a consumer I will follow up with whatever action is necessary as you will be held legally responsible for noncompliance under the Fair Credit Reporting Act, 15 USC 1681n. 

XXXX