23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time contacting without my issue being resolve and am not being tooking serious. At this time again you are in violation of my consumer protected law by knowingly furnishing these accounts on my profile. My last complaint clearly stated I did not give these companies written or verbal approval to Inquire on my credit profile, or the permission thereafter to furnish these on my behalf. I don't have any knowledge of these transactions. You and these companies are in violation of my rights stated below and would like these inquiries removed immediately. This account is under litigation! ( Personify ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX XXXX XXXXXXXX 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. 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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX has violated my rights. I looked at my credit report on XX/XX/year>, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). According to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

I have spent months in conditional approval with XXXX XXXX XXXX, I have had so many issues. 
1 ) they ordered the incorrect appraisal and decided not to use both values given in such appraisal.

2 ) Ordered an appraisal then did not check with to appraisal comapany about addendums to the appraisal till it was to late.

3 ) Changed the LE to require cash to close because they changed there mind about what values they wanted to use. 

this has been so ridiculous, I will be contacting a lawer the last complaint XXXX XXXX refuses to respond to my questions.. 
WORST company ever!
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXXXXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

I call them XX/XX/XXXX but said not show in the On the record and tell remove from my credit report but keep ignoring that and XXXX XXXX/ XXXX also Jefferson capital LLC and XXXX XXXX XXXX and
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 90 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX  dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

On XX/XX/XXXX i paid the 2 debts off. I asked them when will they report it to the credit agencies, they said by XXXX XXXX.I checked my credit report on XX/XX/XXXX it was still there, so i disputed it to all credit agencies and as of today XX/XX/XXXX it still shows on my credit report. I have my bank statement that show the amount paid and on their website it shows paid off. I see that they gave me false information that they will report it to all the credit agencies and when i call them they place me on long holds, then the phone call would just drop.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

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

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

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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021 I disputed two fraudulent accounts that I noticed on my Transunion credit report. I informed Transunion that the XXXX and XXXX 's accounts on my credit report was fraud and that I paid and closed them and I wanted them deleted from credit file per 605B of the FCRA. I sent in my police report, dispute letter and Identification in support of request and as required. Transunion still negligently denied my request. I also requested information and documentation the fraudsters could have used and Transunion to deny my request. My request was made to Transunion per section 609 15 U.S. Code 1681g and subject to section1681h ( a ) ( 1 ) asking for full disclosure of documents. Transunion wrongly denied all request. This will be last good faith effort with Transunion giving them opportunity to correct my credit report before seeking relief in court. 

I would like for Transunion to block the fraudulent accounts ( XXXX and XXXX ) from my credit report. I would also like for Transunion to delete the the fraudulent inquiries I mentioned on my attached written dispute. Lastly, I ask that Transunion delete the fraud alert on my credit report as I did not request it and those telephone numbers are NOT mine.
Product: Credit reporting or other personal consumer reports

The debt has been charge off and I never received a 1099c Navy Federal Credit union.

The charge off is income and never reported it to the IRS.
Product: Checking or savings account

I submitted an appeal for unauthorized transactions on my account. It was rejected twice because since the card was chipped they assume I authorize the charges. I called them on or about XX/XX/XXXX because I was on military orders and wasnt aware these transactions were being made during XX/XX/16 and there after. When I called obviously I had to open my online banking to tell them each and every transaction disputed but because of that they said the claim is to be closed since they saw I viewed my account numerous times. I submitted police report and called some of the places card was used but no help. I cant press charges on person who used my card. It is clear on the charges it was not me because I provided military duty orders that was at a location hours away from where my card was being used. They did reimburse some charges like air bnb, XXXX XXXX, XXXX but everything else they did not even if theyre multiple of the same amount from the same place. I feel a proper investigation would have businesses provide camera footage or even an address for delivery from places like XXXX. Obviously for protection they will not release an address or camera to me but that is why I also submitted police report. It also takes forever to get someone to answer calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that the accounts on my credit report are not mine, they should not be a part of my credit file. The information is being reported incorrectly.
Product: Debt collection

- In XX/XX/2019 I spent over an hour on the phone with representatives from Portfolio Recovery Services where upon we agreed upon a settlement amount for an Account they purchased from XXXX XXXX. ( I would like to have a copy of our recorded Conversation submitted into the evidence of this complaint. ) -The Amount agreed upon was {$700.00}. I paid the same day during the same phone call. Bank Records showing the payment was made is Attached. 

-Since I was in the process of buying a house I needed proof that this debt was settled for my underwriter. On XX/XX/2019 I was issued a letter from XXXX XXXX Portfolio Recovery Services stating the terms of the settlement including the words " within approximately 30 days of the final payment successfully posting, our company will request the three major credit reporting agencies delete our companys tradeline related to your account from your credit '' A copy of this letter is attached. The Payment was posted the day of the initial conversation. 

- Since the payment has taken place, I have constantly been harassed via phone and by mail demanding I pay the remaining balance on the account that was settled in XXXX. I contacted the Credit Reporting Agencies to remove this settled debt from my Report and I was sent another letter ( which I attached a picture of ) one of the letters that his been sent showing they " verified '' the debt. They are actively pursuing a settled debt. 

-I have spoken to two managers and several associates of Portfolio Recovery and they each claim they are going to stop the calls. The account is still reporting on my credit report and negatively impacting my credit score.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

These Fraudulent inquiries on my credit report are not mine and must be removed and blocked : 1 ) Experian Inquiry - XXXX XXXX XXXX XXXX XXXX ) Experian Inquiry XXXX XXXX XXXX XXXX ) Experian Inquiry - XXXX credit XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 


I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : [ List what you are enclosing ] Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report Fair Credit Reporting Act Section 605B [ XXXX  ]
Product: Debt collection

I, XXXX XXXX, am formally writing this complaint in regard to the initial CFPB complaint concerning the debt collection agency COLUMBIA DEBT RECOVERY XXXX XXXX GENESIS. The debt collection agency was previously addressed for violations of non-compliance per CFPB complaint ID XXXX. XXXX DEBT RECOVERY XXXX XXXX GENESIS responded to the complaint that they will cease communication and collection activities, but they did not remove the account from my consumer reports for as reflected on my XXXX consumer disclosure report per violations of the FDCPA. CDR XXXXXXXX XXXX  GENESIS only addressed the violation stating they are allowed to collect debt as two different companies. This company still has not address the fact that they are illegally reporting on my consumer disclosure report as an attorney, a violation per 15 USC 1692e ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. and 15 USC 1681s-2 Actual knowledge of Errors ( FCRA ) for reporting inaccurate information to the CRAs. COLOMBIA DEBT RECOVERY XXXX XXXX GENESIS did not acknowledge the non-compliance of adding interest to the original alleged debt which is a violation per 15 USC 1692f ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Per 15 USC 1692e ( 2 ) ( a ) The false representation of ( A ) the character, amount, or legal status of any debt ; or. COLOMBIA DEBT RECOVERY XXXX XXXX GENESIS did not provide legal documentation that they are allowed to have my personal private information per PRIVACY ACT of XXXX. The violations have already been provided in the previous complaint.
Product: Credit card or prepaid card

I made reservation of airline tickets through XXXX on XX/XX/ for XXXX round-trip. They immediately charged my Discover card. They never booked with the airline and never sent me airline confirmation number. Only their own confirmation number and XXXX e-ticket number. One week later this company sent me a message that flights were canceled. Instead they offered much more expensive options which also take at least 10 hours more each way. It was unacceptable. When I tried to apply for refund, they asked me to agree to possibly receive refund in " XXXX money '' in 3 month (! ). They also would not pick up the phone or correspond via email. Of course, I could not agree to this : I need my money back to book through another service. I disputed with the Discover card, uploading the following documents : 1 ) Booking confirmation without airline confirmation number ; 2 ) Policy of XXXX saying that they refund ( if they cancel flights ) immediately in cash 3 ) Screenshot where XXXX states that it will take them 3 months and they may pay with XXXX money ; When I was making booking I have read terms and conditions very carefully. It did not say at the time of booking that XXXX can cancel and refund in their own money. I filed the dispute with Discover on XX/XX/ and they turned down the dispute on XX/XX/. 
Discover said that since " they provided services of booking, I can not dispute this charge ''. I told Discover that there was no actual booking with XXXX. These particular flights never existed. This is fraudulent documentation. Discover said that there is nothing they can do with this. This completely negates the point of credit card protection against fraud.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
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 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 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: Mortgage

XXXX XXXX ( mortgage originator at New Day USA ) offered XXXX solutions to help me with the high interest rate loan offered by New Day USA. 1. Buy down points for {$5000.00} to reduce the mortgage rate. 2. 30 days after the closing ( XXXX/XXXX/16 ) I could take advantage of the VA 's rate reduction program. A competitor firm highlighted the VA 's rate reduction program for me. I became apparent to me that buying down the rate was unnecessary. New Day USA duped me into paying an additional {$5000.00} in fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Specialized Loan Servicing, LLC has a mortgage on our home. They falsely reported late payment dates to the three credit bureaus : XXXX, XXXX, and XXXX. This is causing physical and emotional harm to US becuase my wife had to give up her job to become a permanent, full time caregiver for me because I developed a chronic illness due to the COVID-19 pandemic. We can not afford the home we will live in now and need to sell our home and find one that is smaller, more affordable, and retrofitted for a person with a XXXX. We can not sell our own home until we have mortgage pre- approval to purchase another home. SLS. LLC MUST CONTACT THE CREDIT REPORTING BUREAUS IMMEDIATELY AND CORRECT THE FALSE INFORMATION. Unless SLS, LLC makes the corrections to our credit reports we will not be able to get another mortgage loan and the physical and emotional hardhip will continue. We were in a loan modification program in XXXX through XXXX and a forbearance in XXXX which continuesXXXX SLS, LLC falsely reported late payments for the XX/XX/XXXX mortgage payment XXXX XX/XX/XXXX fell on a Sunday XXXX. They had the payment in their possession but did not account for it until Monday XX/XX/XXXX they accounted for it as a late payment even though the bank certified check was dated prior to XX/XX/XXXX. It was not a late payment. SLS. LLC continued to report late payments for XXXX, and XXXX to the three credit reporting agencies during our modification program and forbearance. My wife called Fannie Mae on XX/XX/XXXX regarding this false reporting. The agent told her that EVEN IF WE WERE IN A MODIFICATION PROGRAM THE PAYMENTS SHOULD NEVER HAVE BEEN REPORTED TO THE CREDIT BUREAUS AS " LATE ''. THE AGENT ALSO TOLD HER TO CONTACT SLS, LLC IMMEDIATELY TO DEMAND CORRECTION OF THE CREDIT BUREAU REPORTS. My wife wrote to SLS, LLC and demanded the corrections.
Product: Debt collection

On XX/XX/, I gave moved out of my apartment after give my notice near in of the lease at XXXX XXXX residences in XXXX Texas. I asked if owed anything and they said no. Less than three weeks later I get a collections for nearly {$3900.00} and they reported to credit bureau the collection on XX/XX/XXXX. After fighting them for nearly year that I didnt owe that amount they finally sighed into their file and saw that {$3900.00} was incorrect. I only owed {$300.00} which a bill was never sent to me before going to collections. I paid it when they corrected there information. but its still reporting on my credit record and I think this deceptive practice and violates housing regulations. I hoping the consumer protection will look into this and get it off of my credit report
Product: Credit card or prepaid card

Capital One was offering a promotional offer for a welcome bonus for their capital savor one card. The promotional offer is advertised on their website and through credit karma declaring there is a {$200.00} welcome bonus for new account member sign-ups for this particular card, if they spend {$500.00} within 3-months. 

I have complied with their terms and conditions, and reached out to their customer service inquiring the status of when I would receive the welcome bonus but was notified I was not eligible. 

The customer service member failed to declare why I was not eligible for the reward offer based on the terms and Conditions. 

I requested the terms and conditions and was notified that they did not have the terms and conditions to share with me and that no one would be able to supply me the terms or conditions or explain why I was not eligible. 

I opened up my account on XX/XX/2023 and have exceeded the {$500.00} requirement by early XXXX which fulfilled their requirement prior to XXXX. 

Capital One refuses to provide any additional information indicating why I was not eligible for the welcome bonus and refuses to provide me the terms and conditions to show that I was not eligible for the welcome bonus that was bring offered on their capital savor one card.