23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX of XXXX  I applied for a credit check in order to move into XXXX XXXX apartments in the XXXX area, the fee in order to apply was {$XXXX}, which was paid at the time of applying. After I paid and applied I was denied a few weeks later and got a notification on my credit that I had a collection due. I've disputed the collections multiple times through a XXXX party app with no luck of having it removed. I have not received any written notices or emails from the agency currently in charge of collecting the debt or given a way to pay it if chose to.
Product: Credit reporting or other personal consumer reports

Subject : Dispute for Late Payment Reporting on Charged-Off Account Dear XXXX XXXX Dispute Resolution Team, I am writing to formally dispute the recent late payment reporting on my charged-off account that is currently in collections. After initiating a dispute for incorrect information on this account, I was pleased to see that XXXX XXXX updated the information on XX/XX/XXXX. However, my satisfaction was short-lived, as on XX/XX/XXXX, you reported a late payment on an account that has already been charged off and is in collections. 

This late payment notation has had a significant and detrimental impact on my credit score, causing it to drop by XXXX XXXX. As a result, I have lost my pre-approval letter, which was crucial for providing for my family 's needs. This sudden decrease in my credit score is creating substantial financial hardship for me and is negatively affecting my livelihood. 

I urge you to investigate this matter urgently and rectify the situation by removing the late payment notation from my credit report. It is essential to correct this error promptly to restore my credit score to its previous status and enable me to regain my pre-approval letter, which is vital for my family 's well-being. 

I am prepared to provide any necessary documentation to support my dispute and facilitate a swift resolution. Please consider the significant impact that this late payment notation has had on my financial situation and act promptly to rectify this issue. 

I look forward to your prompt response and resolution of this matter. Thank you for your attention to this urgent issue. 

Sincerely,
Product: Credit reporting or other personal consumer reports

This is a fraudulent account with XXXX XXXX XXXX XXXXXXXX, i make a request for this account validation and XXXX XXXX could not validate this account as mine as FCRA says..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/2019 XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$1100.00}
Product: Vehicle loan or lease

Hello, I recently paid off my car approximately XXXX months early without one missed payment. After XXXX weeks I reached out via email to the company regarding when my title would be released and did not hear back. In addition, I overpaid by {$1.00} and instead of a check they sent me a debit card that I did not approve with a {$1.00} balance AND a {$3.00} a month fee for using it in the fine print. When I called to request a check and to get my release date the account didn't register with the automated system because it was closed and I had to go through XXXX minutes of prompts to then be told that all they could do was send me to the customer service related to the debit card to activate the card. When I requested a check they hung up on me. In addition, no idea when I will even see my title that I worked really hard to pay off.
Product: Credit reporting or other personal consumer reports

I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. My distress arises from the fact that I HAVE BEEN A VICTIM OF IDENTITY THEFT, A CRIME THAT HAS INFLICTED SEVERE EMOTIONAL AND FINANCIAL TURMOIL UPON MY LIFE. YET, YOUR BUREAU 'S RESPONSE, OR RATHER THE LACK THEREOF, HAS DEMONSTRATED A SHOCKING DISREGARD FOR THE URGENCY AND GRAVITY of my situation. Let me be unequivocally clear : I WILL NOT TOLERATE THE APATHY AND INDIFFERENCE I HAVE ENCOUNTERED THUS FAR. As a victim of identity theft, I have been subjected to unauthorized accounts and transactions that have marred my credit profile and compromised my financial stability. The consequences have been dire, affecting my ability to secure loans, mortgages, and even employment opportunities. XXXX XXXX XXXX. Please delete this account ASAP.
Product: Debt collection

This debt is passed the statute of limitations. I would start to receive flyers from attorneys about being so I looked it up and originally saw a garnishment. After paying for legal assistance back in XXXX, it was realized I was not properly served and case was dismissed. They issued a judgment but I was never notified of that either. Legal assistance pulled up the information and the amount owed listed in documents were incorrect. Now it makes sense when I would apply for something I was being denied for an outstanding debt. This is been on-going since XXXX. I am trying to resolve this as I am in the process of getting my finances and credit on track as we have started a new year. This matter is not helping. LVNV Funding does things in a stealth like manner and you dont find out until its too late. They definitely need to be investigated when it comes to their debt collection practices. XXXX XXXX which who I took the loan out from is no longer reporting the debt.
Product: Debt collection

XX/XX/XXXXr XX/XX/XXXX Wyoming XX/XX/XXXXPROFESSIONAL RECOVERY CONSULTANTS, INCDate: XX/XX/2019 Acct # XX/XX/3840 To Whom It May Concern: This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act (FDCPA), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws of Wyoming and Federal Statutes. In addition to the questionnaire below, please attach copies of: • Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. • Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the XX/XX/XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. Sincerely, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I put a freeze on a number of years ago and need to temporarily remove it because a potential employer needs to pull my credit. My issue is equifax, I do not know my PIN and can not retrieve it or get the freeze lifted. 

Its clear that the credit bureau does not benefit from a freeze, its clear they are making the system impossible to navigate so people will not use it. I can not get the PIN, I have started 4 chats but there is no rep to chat with, a dead line. 

I want to file a formal complaint for fraud because I have paid for the freeze which is a contractual service paid for an expected. they are not providing that service and also making the service so impossible to navigate that they want people to remove it. 

The payment for a service and not providing it is fraud. I want to file a complaint of fraud on the president and CEO of equifax personally
Product: Checking or savings account

My company sends my information slow to a lender. They see how much I get paid or how much I have in my account and decide how much to lend me. They have sent my information slowly and the company wo n't lend me any more money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used Equifax credit monitoring and I requested a full refund of the fees. My information was not stored securely and I have had personal information stolen in their security breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information that would reflect positive has left off my report such as a paid off home paid off bankruptcy paid off car inadequate severely negativity is on there when uploading proof they say they have not gotten it or it won't upload when sent they claim never received I keep explaining myself twice over and never get a positive answer nor solution. I worked hard and gave up a lot of money to correct my issues and I still have a poor score which has gave me higher interest rates or flat out denial of credit..I want the corrections made I have lived in the same house for 20 years got the letter paid in full XXXX XXXX congratulations gave up thousands of dollars to pay off my bankruptcy just to still see a poor credit score not fair when creditors look and see all the negativity how can I ever get ahead of all of it. Why do we have credit bureaus if they will not have current and correct information and all I hear is we understand NO they do NOT because it isn't them being effected it is me and my daughter being a single mom after an life threatening injury trying to get back on track in my life I can't and I gave up all that revenue to fix the main issues all for nothing. I need help
Product: Credit reporting

I have a state tax lien from Georgia that was paid and withdrawn in 2008 but XXXX and Transunion WILL NOT remove it from my credit file and it is showing as a derogatory public information. I have sent them court evidence from Georgia stating that the lien was withdrawn. It has impacted my financial security and stability for the past 3 years and I am of limited means and this is very frustrating. I am asking XXXX and TransUnion to please remove this incorrect information from my credit file.
Product: Debt collection

Debt is not owed, identity theft reports have been filed and submitted to all appropriate parties and credit agencies. Absolutely zero communication from the debt collector and balance of amount due has doubled. Proven multiple times its not my debt. This needs to be immediately removed from my credit reports and company needs to cease and desist immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint as a consumer is whos holding the credit bureaus responsible for their errors.XX/XX/XXXXXXXX A tradeline was added to my Experian profile which ding my score negatively. I contacted the creditor XX/XX/XXXX bank XXXX I wasnt account holder nor was I authorized user. 
I contacted Experian to find out how this happened, know one could provide me any answers. Although they could help me get it updated and removed I was concerned how it would impact my score again of removing a line of credit that been added my credit profile, its like getting hit twice. The representatives didnt understand what I was trying to explain as they dont even understand credit themselves! And dont have real answers to give you, theyre just order takers ; Its very frustrating as a consumer when know one is being held accountable for their errors but quick to make consumers be held to the fire. I worked very hard to get my scores where there are and I dont have time for agents from either side creditor or the bureau to make errors as neither would own up to the mistake made, but as the consumer Im being impacted! Will I get my points back? Will this happen again how do you trust the system?
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of identity theft, which has resulted in multiple fraudulent accounts appearing on my credit report. These accounts were opened without my knowledge or consent, and I am requesting immediate action to address them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already filed an identity theft report with the Federal Trade Commission ( FTC ) and am demanding the prompt removal of these fraudulent accounts to restore the accuracy of my credit report.
Product: Debt collection

Account was opened on XX/XX/XXXX with a collection amount listed as {$790.00} and past due as of XX/XX/XXXX. The balance was paid off by a county program that helps chronic illness sufferers who are destitute and can not afford medical bills. They do not provide payment proof as this is meant to be sent by the medical office in question. There was no such proof sent. Notifications to collection company of paid account have been ignored. Furthermore said collection company in question, XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX. NJ XXXX with headquarters at XXXX XXXX XXXX XXXX, XXXX, NJ XXXX  otherwise known as DRS Financial LLC is NOT licensed to collect debts in the state of Florida as per the Florida Office of Financial Regulation.
Product: Checking or savings account

I had what they call a credit builder plus loan. Where a loan was taken out and i paid it back with out access till i paid it off. They reported my payments to credit companys. I paid the balance in full and my account failed to reflect my payment. I tried calling and messaging. I never got a response as to what was wrong. Then i was told an investigation was happening but why or what they were investigating was never disclosed. I was promined by numerouse reps that i would be updated. Never did anyone one email or call. I found out after calling that the money was gon na be realesed with no time frame. Then days later they claim it was denied because they didnt have my routing number. The routing number to themselves! They are the bank to which i have an account with. They same account used to make payments. So i find it hard to believe they didnt have it. And finally almost 2 weeks later i still dont have the money in my account. Mind you i paid it off because i was going to get the total sum. I needed it to make a payment to which is now late and i owe a late fee.
Product: Checking or savings account

On XX/XX/XXXX, Chase bank abruptly locked me out of my account access and did n't provide any justification over the phone. Chase customer service representatives forced me to drive to a local branch for ID verification where Chase staff only said " our detection system is too sensitive '' and no other justification was provided. Account access was restore after ID verification. However, on XX/XX/XXXX, account access was blocked again without advance notice. This practice is outrageous and abusive. I 'm certain that my experience with Chase is not alone. Although I will not be a Chase customer any longer, I think their practice merits a thorough investigation by CFPB to protect other consumers from being abused by Chase.
Product: Debt collection

Apple Inc./ Goldman Sachs is stating that I owe them a little over {$6.00}, XXXX which can not be possible because I never personally opened an account with them and if it is an account that was opened or debt owed it is the result of Identity Theft! Apple has not resolved this matter and is still trying to collect the supposed debt through XXXX which is not of my doing!
Product: Credit reporting or other personal consumer reports

On my Transunion credit report I noticed an influx of inquiries on report. These inquiries are all fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I wrote a letter to XXXX disputing the last payment date of a tradeline that reports a last payment date of XX/XX/XXXX but the account had been charged off since XX/XX/XXXX. I notified them that I did not make a payment on said date and the account should be removed for re-aging of the trade line. XXXX responded with a verified as accurate letter disregarding the information I presented and failed to do a proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My house got foreclosed because the VA took me out of the retirement payment system. I got behind on my mortgage and couldn't catch back up. Now the foreclosure is on my credit report preventing me from finding a place to live as a retired military veteran.
Product: Credit reporting or other personal consumer reports

There is a credit card with a balance of {$580.00} as of XX/XX/year> with XXXX XXXX that does not belong to me. Ive contacted XXXX and XXXX directly and neither one could locate a credit card in my Social Security number.. this is not my credit card. The address affiliated with this credit card does not even belong to me. The address of whoever has his card lives in XXXX, Colorado. I live in XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir, Maam, Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ).

" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the 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 that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company.

Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Product: Credit card or prepaid card

XXXX I had an account at XXXX XXXX XXXX. I had one payment left and Synchrony closed the account, stating items they say were found on my credit report. At the exact same time, they also lowered the spending limit on my JC penny credit card to exactly what I had charged. All of this tanked my credit score! I called and asked them why, complained about their practices and they kept stating something on my credit report, which was NOT true! If I am paying my bills with them, they have NO reason to run my report or to lower the limits. Now that they tanked my credit score, they are doing it againXXXX XXXX is showing that they lowered my limits AGAIN on my JC penny card when I have been making the payments, stating something on my credit report. Each time they lower my limits, it tanks my credit score more and more. I am sure they have broken so many lending rules as well as running my credit report on a consistent basis, when I clearly NEVER signed anything for them to run it-I have looked into locking all of my credit reports so that they can not do this again. Their business practice is in question and I am sure they have broken a bunch of government rules doing what they are doing.
Product: Credit reporting or other personal consumer reports

It has come to my attention that although I have written several letters asking for validation of debt, audit trails I am not getting any response because of the automated system you have in place which in fact is a violation as well.. 

When it comes to uploading my documents on your portal, it is difficult for the consumer to upload the pending documents needed to expedite my dispute claim. That is a violation of my consumer rights. I have reported this concern on several occasions. 


Today, I am demanding these accounts to be removed immediately off my credit as it is in violation to the following federal constitutional laws : 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. 

Or permissible purpose. 

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me.
Product: Credit card

My credit card was delivered to the wrong address and the individual managed to create a unique login and use the card for {$200.00} worth of fraudulent activity. I needed to get a replacement sent out to an alternative address because Barclays failed to utilize the delivery services appropriately twice ( third time I had the card sent to alternative address ). 

Barclays assured me I would not be liable for the charges but now, months later, I receive a notice saying Im responsible. This will lead to a small claims court case if not properly handled.