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 Account Number:XXXX  has violated my rights. Or a 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

I have a student loan with XXXX that is currently past-due. When I called to bring my loan current, the reps at XXXX connected me with a collection agency ( named Heartland ), and told me I had to deal with them. I have attempted several times to make a payment with this collection agency, and they refuse to accept a payment from me.
Product: Debt collection

XXXX XXXX from PNB capital group, Began by calling me at XXXX in the morning which is way before XXXX which is the legal time to be called. And then proceeded to leave me a voicemail saying that she has tried to call several times even though this is the first time I have received a call from that number. She then threatened me by saying, because I have not picked up, she will begin calling all of my references, which I have no idea what that means.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$9800.00}, {$9500.00}, {$8400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9800.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8400.00} -This is not my account.
Product: Debt collection

Credit control Llc called one of my relatives and provided information about a debt owed on my behalf. They called from XXXX ( XXXX XXXX XXXX
Product: Credit card or prepaid card

WE OPENED A RESTAURANT IN XXXX OF XXXX. IN XXXX OF XXXX WE SHUT THE RESTAURANT, BECAUSE IT WAS FAILING, AND WE THOUGHT THE CHEF WAS STEALING. WE MADE TD BANK USA AWARE OF OUR CONCERNS. ORIGINALLY WE OPENED A CREDIT CARD IN MY NAME, AND XXXX CARD WENT TO ME, ANOTHER TO THE XXXX. WHEN WE CLOSED THE BUSINESS, WE TOLD THEM WE NEED TO PROTECT AGAINST THE XXXX. THEY INSTRUCTED US TO LOCK THE CARD, AND REMOVE HIS ENTITLEMENTS TO BANK ACCOUNTS, WHICH WE DID. 3-4 MONTHS LATER, AFTER THE XXXX HAD GONE HIS SEPARATE WAY, WE STARTED GETTING HIT WITH ANNUAL RENEWAL FEES ( NEGATIVE CONSENT ; UNLESS YOU CANCEL, IT KEEPS CHARGING ANNUALLY ) FROM XXXX XXXX XXXX, AND WHATEVER SERVICES THE XXXX  HAD SIGNED UP FOR. I EXPLAINED TO THE BANK THE BUSINESS WAS CLOSED, AND WE WERE NOT RECEIVING ANY PRODUCTS OR SERVICES, AND THEY SHOULD NOT HONOR ANY CHARGES. AFTER MONTHS OF BACK AND FORTHS THEY TOLD ME THEY NOW FIRST SHUT DOWN THE TOKENS???, AND THERE WOULD NOT BE ADDITIONAL CHARGES ( WHAT THEY SHOULD HAVE DONE FROM THE BEGINNING ) BUT THAT I NEEDED TO PAY THE CHARGES THAT ALREADY EXISTED. I REACHED OUT TO THE XXXX XXXX  OFFICE TO TRY AND SPEAK TO XXXX XXXX, WHO HAS IGNORED A DOZEN EMAILS FROM ME TO DISCUSS. IN SUMMARY, THE LOWER LEVEL EMPLOYEES WERE NOT TRAINED PROPERLY, AND THEIR CUSTOMER SERVICE IS UNRESPONSIVE. PLEASE HELP!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I am filling a complaint because I have submitted a dispute to Experian for a bankruptcy on my credit file. I asked them to investigate the information and if it was valid. They responded and told me that the courts verify the bankruptcy information. I wrote them a letter asking them to inform me of their method of verification they use to verify that this is correct on my credit file. They did not respond and simply said that the information was verified. I called the courts and a woman named XXXX informed me that the CRA do not verify with them ( XXXX Bankruptcy Court ). I am filing this complaint because i have a right to know their method of verification based on the FCRA and they will not provide it to me. I have attacthed a copy of the letter i sent them and pictures of the responses. I find it very hard to believe that Experian verifed this info in 3 days and over a holiday weekend ( XXXX XXXX ) at that. I do not believe they are treating me fairly in how they are verifying this supposed information and they are violating the FCRA by not providing their method of verification which I am entitled to.
Product: Bank account or service

XXXX, who claimed to be a supervisor at Discover Bank, informed that the company had placed an interstate call to me and recorded it without my permission. She said I should 've been informed that Discover was recording the phone call when I called into their center. I did n't call them. They called me. 
The Bank has not honored its promotional terms for my opening an account, although another employee, XXXX, verified that I had met all of the requirements and the promotion should have been honored. XXXX and XXXX both said they would have to inform another department of the potential error and it would take another 4-6 weeks for them to consider whether to fix their error in applying the bonus that should have been applied in XXXX for opening a bank account with their company. XXXX and XXXX said they wo n't honor the terms of their promotion if I close the bank account now.
Product: Credit reporting, credit repair services, 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 nameXXXX XXXX  # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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 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 or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account number : XXXX XXXX  - XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The Listed information in letters and FTC violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 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: Mortgage

My Mortgage company ( Bogman , INC located @ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX MD XXXX ) transferred my loan to XXXX effective XXXX XXXX, XXXX. I have always made my mortgage payments on time since the day of the original settlement date of purchase XXXX XXXX, XXXX. As of last month, my new service lender, XXXX, informed me that I was paying homeowner 's insurance via escrow. I was not aware of this & in fact I have called & inquired this concern to Bogman prior to this notification of my new lender. I have learned through XXXX that BOgman XXXX Inc has been charging me for homeowner 's insurance. In the past when inquired, Bogman 's response to me was that I was not paying any homeowner 's insurance through them. I have always paid a separate homeowner 's insurance through a company called, XXXX for many years. I have proof of my XXXX homeowner 's insurance payments. My concern is that I wish to seek repayment from Bogman , Inc of the money I paid out to Bogman , Inc for homeowner 's insurance that which I did not need as I already was covered under my own homwowner 's insurance each month. 
In reviewing Section XXXX of RESPA, I believe I am owed this money because Bogman , Inc did not act in " good faith '' as a provider in providing adequate notice & actually not at all notice of them charging myself as a paying consumer the charges in my escrow account. Again, I was advised by Bogman , Inc via phone that my escrow account only included taxes. 
I am aware that XXXX has implemented procedures on XXXX XXXX, XXXX for clarity and changes of settlement procedures for the consumers who have suffered from damages & losses that which servicers violated the revised requirements in providing detailed disclosures & also adequate information when questioned via phone. I believe Bogman , Inc has allegedly performed such illegal act upon myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been reported to a credit report company, XXXX  for no reson. 
I never offer to do business with Affirm, represented by XXXX XXXX XXXX 
I never purchase anything but I was asked to do monthly payments which of course I refuse to do. Because that, after 4 months of traying every state in the country, every P.O.Box and not getting the money they wanted they repirted me to credit bureau, XXXX. 

I am srbding this complaint to bureau of XXXX as I need someone to check this scam for me.
Product: Credit reporting or other personal consumer reports

Out of nowhere I am seeing random unidentifiable debt on my account that when disputed only comes back as saying it belongs to me with no proof that I actually does nor what investigation was done. I do not own the account they are referring to that is why I can not identify them yet they are continuing to report inaccurate information on my credit report. I dont have access to all credit reporting platforms for some reason so I will dispute the information for all of them. 

The items in question : {$530.00} Open balance XXXX XXXX XXXX Original creditor {$650.00} Open balance XXXX XXXX XXXX Original creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XXXX XXXX, 2017, any public record data must include name and address, along with SSN or DOB in order for it to appear indoor credit file. The Credit Bureau has not updated the information as per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute against Americollect for reporting inaccurate information on my credit report. In the dispute I requested to see verifiable proof of debt ( i.e. : an original consumer contract with my signature on it ) that you have on file and I also requested Ameicollect to Provide a copy of my signature with the provider of service to release my medical information to Americollect. The company did not provide me with a Hippa release form of me giving authorization for them to obtain my personal medical information. This dispute was filed on XX/XX/2021. 
The credit reporting agency updated my credit profile saying that the information was verified but didn't receive anything in writing in mail giving me the chance to verify this alleged debt. However prior to XX/XX/XXXX I filed a cfpb complaint with this company and they failed to respond but they mailed me my contract with XXXX XXXX with my signature and also what procedures I had done. This is a direct violation against the HIPPA protection Law. I have filed a direct complaint with HIPPA and the receipt number is XXXX.
Product: Vehicle loan or lease

Capital One sent me an inaccurate letter stating MY insurance company has not provided information needed on my car loan with Capital One. They stated I needed to provide documents, but the letter did not address the documents that were required of me. It also stated if settlement proceeds are not received or they did not hear from me, they may pursue other collections activity, which would would have a serious impact on my credit bureau reports and result in additional fees and interest accruing to my account. My account was current, has never been late, and as of the date the letter was sent, the account was actually PAID completely off and to a XXXX balance. I called on XX/XX/XXXX, the day I received the letter to point out the inaccuracies within the letter, and to file a formal complaint with Capital One. They transferred me to the " office of the president '', but I was unable to lodge a complaint with them because they " were in a meeting ''. I could set up a call to have them call me back in 48-72 hours to lodge my complaint. I feel like this company has a poor set of procedures for ingesting customer complaints and timely responding to those complaints. The fact you have one group to accept complaints, and are unable to do so due to a meeting is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called to order XXXX.  The employee on the phone stated she 
would need to run credit and I said no to that and was not going to sign up.  I 
have been working on not applying for anything to get some hard inquiries off my 
credit reports.  I was then told by the employee that it would only be on my 
credit for 30 days.  I then said ok.  After I was given information after the 
check I decided to think about it.  So XX/XX/XXXX I decided to sign up only I 
signed up on the internet thinking the same thing she told me on XX/XX/XXXX would
be ok for sigining up on XX/XX/XXXX not expecting a hard credit inquiry.  I had 

spoke with XXXX XXXX from executive Customer Relations about this on XX/XX/XXXX at 
XXXX asking to speak to XXXX XXXX  I did not get through to the extension I was 
given XXXX ext XXXX. They said they would leave a message to get 
with back to me.  I then sent an email an email on XX/XX/XXXX 

Stating:

From: XXXX [XXXX] 
Sent: Friday, XXXX XXXX, 2017 XXXX XXXX To: XXXX - XXXX Executive Customer Relations 4 


Subject: Re: XXXX Escalation XXXX XXXX I  have gotten a call back about these hard inquiries.  You mentioned stated that 
you would get back to me by XXXX XXXX 2017.  I have not heard from you.  I did not 
ok a hard inquiry.  I said if this was going to be a hard inquiry i do not want 
to sign up.  I was told it could not be and it will show up for 30 days.  The 
dates on these says it won't come off for two years.  I was misinformed of this 
information and want this cleard up.  
 
I then received an email back on XX/XX/XXXX stating:

Good morning
 
After a review of the phone call that took place on XX/XX/17 in which you were 
inquiring about establishing services I was able to confirm that the agent that 
you spoke with informed you that a credit check would need to be ran in order to 
see if a deposit was required to which you agreed to. On XX/XX/17 you placed an 
online order in which you would have given consent to process the order to which 
you later cancelled that order. 
 
Thank you
 

Executive Customer Relations
XXXX | West Division
Office: XXXX Ext. XXXX
M-F: XXXX XXXX  XXXX XXXX (MST)

I then sent this email:

-------- Original message --------
From: XXXX  
Date: X/XX/17 XXXX XXXX (GMT-XXXX) 
To: XXXX - XXXX Executive Customer Relations 4 

 
Subject: RE: XXXX Escalation XXXX XXXX 


I Find it very disturbing that an employee can tell someone that a credit check
will be ran and i said no because i did not want a hard inquiry on my report and 
was told that it would only be on my report for 30 days.  I have been working on 
getting hard inquiries off my reports for over a year now.  Not buying or 
applying for anything.

I would like a copy of the phone recording.

I have since heard from anybody.

I have request to have the hard inquires removed since I was miss informed of 

this information.
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking of information on my credit report resulting from identity theft under Section 605B of the FCRA. I have been a victim of identity theft and the following entries on my credit report are fraudulent. Accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Capital One # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Has Violated My Rights. 
15 U.S.C 1681 Section 602A. States I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 section 604A. Section 2, It Also States A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH MY WRITTEN INSTRUCTIONS.

Section 605B States All FRAUDULENT ACCOUNTS MUST BE DELTED/ AND BLOCKED FROM ANY FURTHER REPORTING. 











I HAVE SENT THIS COMPANY MULTIPLE LETTERS REQUESTING WRITTEN INSTRUCTIONS OF ME ALLOWING OR AUTHORIZING ACCESS OR EVEN ALLOW TO FURNISH ANYTHING. 

I HAVE SENT : FTC IDENTITY THEFT REPORT POLICE REPORT DRIVERS LICENSE PROOF OF ADDRESS COMPANY AND CREDIT REPORTING AGENCY CONTINUES TO WILLFULLY NON-COMPLIANCE TO DELETE ITEMS ACCORDING TO FCRA 605B AS WELL.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021
Product: Bank account or service

I have a checking account with Citibank. As I was going through my automatic payments online yesterday on XX/XX/XXXX, I noticed a monthly charge of {$25.00} service fee. I than checked the past account details going back to XX/XX/XXXX ( I did not check older dates ) and noticed that I was penalized by {$25.00} in every month of XXXX for not having sufficient funds. As I called their customer service, I was told that if the balance goes below XXXX, I would be charged {$25.00} as service fee. My argument is, when I use my citibank card outside XXXX, I would receive an alert from Citibank to confirm about that particular payment, however, when my balance goes below XXXX, I would be charged {$25.00} without any notice via text or phone call. I already talked to the branch manager earlier, and downgraded my agreement. The manager agreed on paying me back for only past three months. I have always trusted Citibank until now, yet unfortunately due to this dishonest policy I am extremely disappointed. The Citibank took advantage of my unawareness. They should discontinue such dishonest policy to take advantage of customers or at least they should inform the clients via phone call or text message promptly before they penalize them. 

ps : After talking to the branch manager today XX/XX/XXXX, I tried downloading the transactions beyond XX/XX/XXXX but it did n't allow me to view older transactions. Therefore, I am only able to attach transactions until XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2022, my Equifax credit report is null, plus I get various errors as soon as I sign on, in a blue box, like : Please give us a call and give this code to the Agent : XXXX  Your Equifax credit report and score are not available at this time due to a technical error. Please call XXXX XXXX at XXXX ( XXXX ). 
Our call center hours are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have called Equifax and exchanged emails with XXXX, many times for over XXXX XXXX They give me various escalation cases, yet never solve their website issues. This applies to both XXXX and XXXX XXXX browsers. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX sent to technical dept XX/XX/XXXX : ticket number is XXXX, from XX/XX/XXXX email. ref : XXXX : ref XX/XX/XXXX : New ticket : XXXX XX/XX/XXXX : Escalated AGAIN - case XXXX Report is currently null with garbage dates. 

Example : " Report date '' says Invalid date " Length of credit history '' says XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are all left blank