23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX  XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries : XXXX XXXX XX/XX/XXXXXXXX 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit card

Comenity/Zales. I believe they have engaged in intentionally deceptive trade practices. 
XX/XX/XXXX - payment due XX/XX/XXXX - payment made ( but after XXXX XXXX so {$30.00} fee incurred- ok, I understand ). PAID OFF ENTIRE BALANCE. 
XX/XX/XXXX - Comenity representative called to say we had not made XXXX payment. We were confused but thought we had made a mistake. So we gave her our information over the phone to pay the entire balance ( again ). She said she would waive half ( {$15.00} ) of {$30.00} late fee, so we paid {$440.00} ( balance ) PLUS {$15.00} over the phone. 
At this point, we have paid off the balance TWICE. 
XX/XX/XXXX - received email indicating payment overdue. Confused because we had spoken with representative on XX/XX/XXXX and paid it again. Upon calling, they advised me that my XX/XX/XXXX payment HAD gone through but I owed a {$30.00} late fee from XXXX, so now I was being charged a {$30.00} late fee for XXXX too. So I was charged a late fee on a late fee, after we spoke with THEIR representative on XX/XX/XXXX and paid all balance and late fees off. 

I believe that the payment made online via their " pay faster without signing in '' was temporarily misplaced by them, which is why we got the call on XX/XX/XXXX. Later, they found my payment and disregarded the XX/XX/XXXX phone call ( which addressed all late fees too ). 

I reported this to XXXX XXXX XXXX and Comenity said they don't respond to XXXX  complaints for " privacy reasons. '' XXXX  said Comenity would respond to me directly. They NEVER did. I emailed them and told them I disputed my debt and then they responded with a basic " you were charged a late fee because your payment was made after XXXX XXXX. '' They did not address the call on XX/XX/XXXX or the fact that this resulted in me being charged a late fee on a late fee. 

I believe that they intentionally disregarded that telephone call-which ***they*** made- just to charge me an additional {$30.00}. I paid off the stupid late fees because who has time for all of this.... And I think that is exactly what they want customers to do. 

Also, is it lawful to charge a late fee on a late fee when the entire principal balance was paid off?
Product: Debt collection

A creditor sent me a fraudulent bill for {$1800.00} in XXXX XXXX. I sent the creditor a letter to cease all communications and confirmed that I disputed the charges. See attached letter. The letter was sent certified and the United States Post Office records confirm it was received by the creditor. 

Recently, I received a letter dated on XXXX XXXX, XXXX to attempt to collect the fraudulent charges. According to the Fair Debt Collection Act, a debt collector can not contact me since the original creditor was notified. Note that this is INDISPUTABLY a violation of federal law.
Product: Debt collection

Optimum Outcomes is reporting a medical debt for {$140.00} on my credit from  XXXX   2012.  I have no knowledge of this debt. I have disputed with the credit bureau that I have never received any information regarding validation of this debt from this collection agency. This agency is reporting a debt that I have not been given prior notification on and have not made an effort to validate the debt with me.
Product: Credit reporting or other personal consumer reports

I would like you to remove all the inaccurate and misleading information from my credit report. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit. Under the provisions of the Fair Credit Reporting Act ( FCRA ), I demand that the following items in my credit report be re-verified and removed : I have attached the proof that the above items are inaccurate for your convenience. 
XXXX XXXX XXXX- Under the FCRA , you must re-verify the items and get them removed within 30 business days of receipt of this letter, to avoid violation of the law. Please notify me of the changes and forward me the updated copy of my credit report to the address referenced above. 

I have highlighted all the inaccurate information that has been reporting as well as the incorrect information that the company has provided, which proves that this company XXXX  XXXXe pushes dealers to sell cars with hidden interest costs and surreptitiously include expensive add-on products with vehicle sales. The complaint further alleges that XXXX XXXX applies complicated algorithms to predict how much it is likely to collect from borrowers to determine how much to offer dealers for each loan, resulting in high-cost loanswith annual percentage rates ( APR ) often exceeding state usury capsmade without regard for borrowers ability to repay, while still yielding profits for XXXX XXXX. A significant number of XXXX XXXX most credit-constrained borrowers become delinquent on their loans within the first year, and many also lose their cars to repossession and auction or suffer other negative effects from the loans. The joint complaint alleges that XXXX XXXX is engaging in deceptive acts or practices in violation of the Consumer Financial Protection Act of 2010 by misrepresenting key loan terms, including the true principal, finance charge, and APR. The joint complaint further alleges that XXXX XXXX is engaging in abusive acts or practices by taking unreasonable advantage of consumers lack of understanding of the risk of default and the severity of the consequences associated with its loans and taking unreasonable advantage of consumers inability to protect their interests in selecting or using XXXX XXXX  loans. The joint complaint also alleges that XXXX XXXX substantially assists dealers in the deceptive sale of add-on products. The complaint seeks permanent injunctive relief, damages, and civil money penalties. My {$5000.00} downpayment was never even applied towards my loan balance it actually increased from XXXX to XXXX how was that possible. The fact that they advised that car dealership never file a claim for the engine is strange to me the car sat at the dealer car shop allegedly going back and forth requesting. The car dealership has actually gone out business backup for its practices as well.
Product: Payday loan, title loan, or personal loan

In XX/XX/2019, a loan was taken out for {$1000.00}. I became homeless and jobless. I was struggling to pay back my loan since the bi-weekly payments were so high, and I had little income and no safe place to sleep, and struggling to keep myself alive. In XX/XX/2019 I contacted CashNetUSA because the e-mail O received said that they could reduce my owed debt down to the original loan amount- {$1000.00}. The representative said that if I was able to make a payment that day, that they would reduce it. They have not reduced it, as promised they would, and now have sold my account to a debt collector with the incorrect debt amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

Called to try and settle debt and the agent that was speaking to put a coworker on the phone to pretend to be the operations manager and started yelling and getting rude and demanding that I pay today or else so I ask to speak with his boss and he refused and told me that only person I was going to speak with was him and because of how I 'm going about things to be prepared to pay more money and begin to laugh and then he hung up in my face.
Product: Debt collection

I received notice that I owe XXXX XXXX XXXX XXXX in regards to he account I informed them that I was exercising my right to discharge debt under HJR 192 73-10. Also 18 USC 8 all debts are the obligation of the UNITED STATES. Also by being a third party debt collector they are in violation of the FDCPA ( Fair Debt Collection Practice Act ). Violations 806,807 ( 2 ) ,808,807 ( 11 ) 809,812.it has become a burden and creating stress which is causing physical damages to my body. Also they in violation of 15USC 1692 ( c ) a 15 USC 1692 ( b ) 2 b ( 5 ) 15 USC 1692 ( d ) 215USC1692 ( g ). This added stress is creating a hardship on me and my family.
Product: Bank account or service

I recently closed out a safety deposit box that I had not been in in 32 years. In the box I discovered a Time Deposit issued by XXXX. I have since found out that this bank was acquired by JP Morgan Chase. I went to the local office in XXXX and they could not give me any information and showed no record of having purchased that bank. I verified the purchase through your office and the local library. I then call JP Morgan Chase again and they do not know anything. I have checked the abandoned cash site at the Illinois Secretary of Treasurey website and did not find it there. I would like to know the status of this Time Deposit and where the money went.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion will not remove the Fraudlent inquiry from my credit report. 

the fraudlent inquiry is named on my report as : XXXX XXXX XXXX XXXX XX/XX/2022 TransUnion i have no open credit card accounts from XXXX XXXX This inquiry must be removed attched in the FTC report they must remove the inquiry within 5 days
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been embezzling money from might acct i have all bank statements from XXXX right now as we speak on XX/XX/XXXX she embezzled {$300.00} she been robbing me since XX/XX/XXXX no one not been XXXX can see that card on my acct but me. i submitted every to the proper authority. I'm here today to get the glory of telling her. Because nobody was able to help me not the CFPB not fcc not with that being said I'm requesting for the credit bureau to work and provide me with the appropriate credit score. i can possible explain at some other time. thank u. her scam is she rejects the payment and takes it she also been holding out my payment to deliberately deposit in late you wont find that app via XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for months to contact JTM CAPITAL MANAGEMENT to no avail. I have written debt validation letters and have called the telephone numbers listed. If I lived in New York, which honestly I doubt this company is even based, I would visit. I can not understand how a company who no one can seem to reach, can repeatedly verify a debt. This company appears to be playing some kind of fraudulent scheme. No website wont answer the phone to even to settle the account. I can seems to get no help from the original creditor OR THIS FRADULENT COMPANY. you can't reach them, but they can reach credit bureaus to verify information. Honestly, I just to this settled ASAP!!!
Product: Debt collection

I was released from XXXX XXXX on XX/XX/XXXX. I was originally placed into XXXX XX/XX/XXXX -- So I was physically not able to leave any XXXX XXXX during that time. 
Upon release I checked my credit reports and saw that multiple credit card / store cards had been opened. I also saw these two medical complaints as well and disputed them at the same time. 
Companies like XXXX, XXXX, XXXX XXXX all did investigations with the documentation from my XXXX XXXX  and they resulted in removal from my credit history/report. 
The only two remaining debt collection accounts that I COULD NOT HAVE OPENED BEING XXXX, are being held by a company called XXXX XXXX XXXX our of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. The company is always threatening, verbally and literally aggressive during calls to inform them post-disputes that they have something incorrect. I have been trying to resolve this because of two reasons ; 1. I was in FEDERAL XXXX XXXX 2. IF SOMEONE HAD USED MY NAME WHILE I WAS IN XXXX THEN WHY SHOULD I BE RESPONSIBLE FOR THE DEBT? ANY MEDICAL DEBTS WHILE IN XXXX ARE COVERED BY THE BUREAU OF XXXX OWN MEDICAL SERVICE TRIAGE EACH XXXX LOCATION HAS. 

I tried at least 5 times to calmy speak with this company, I have disputed at least 8 times on the 3 different bureaus and this collection agency always comes back with the answer of, " Verified as accurate ''. 
But I could not have left XXXX, I was sentenced for XXXX XXXX and they do not give furloughs to XXXX XXXX even though my charge was XXXX XXXX  with a note. Because XXXX  is XXXX  I under federal guidelines can not leave the XXXX and could not leave the XXXX in XXXX, PA United States XXXX XXXX. 

Today is XX/XX/XXXX I have lost count of exact attempts at disputes with a actual Federal letterhead stating that I was in XXXX  during that time. This is what resolved all of the other opened while in XXXX. This company seems to be aggressive, and not cooperative at all when I try to inform them that its impossible for me to have made these. I have documentation proving my XXXX. Thats all I need to show that I could not go for a drive from PA to IL and open these accounts for whatever medical issues they are for.
Product: Credit reporting, credit repair services, or other personal consumer reports

deleted charge offs and update credit score
Product: Credit card

Destiny Credit card owned by XXXX XXXX  has taken XXXX $ from me on XX/XX/XXXX. They have not applied this balance to payments due and continue to charge me interest and late fees. As of today XX/XX/XXXX my account has a negative balance. They stole my XXXX $ they also report late payments to my credit report when the payment was never late. They just held onto it.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>2022, I hired a lawyer and informed Heights Finance that I would be filing for XXXX  XXXX bankruptcy. The bankruptcy was officially filed on XX/XX/year>2022, and it was discharged at the end of XXXX or early XXXX. Despite multiple attempts to notify the credit bureaus that all collection actions should have stopped in XXXX after my lawyer contacted them, Heights Finance continues to report " late payments '' or " missed payments '' during the bankruptcy proceedings. This seems unethical, as it goes against my rights and undermines the very purpose of bankruptcy. I would like to request action on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing this complaint involving a XXXX account listed on my credit report after several attempts to resolve it directly with both XXXX XXXX Experian myself. I dont want to waste a lot of your time so Ill make this as brief as I possibly can for you. Basically XXXX had been reporting incorrect data on my credit report so I reached out to them to dispute the information. They responded with a letter that I have included which stated they had properly corrected and updated my report. Unfortunately that was incorrect because nothing changed on my report. As you can see in the letter they provided, the charge off happened XX/XX/XXXX and was paid in full on XX/XX/XXXX. My first dispute addressed the fact that they are still reporting as charge off for 3 consecutive months even though the balance was paid in full in XXXX. XXXX refused to fix the incorrect information so I disputed it directly with the Experian and they failed to fix the issue as well. My biggest issue at this moment with Experian is that my most recent dispute with them has caused a significant error in reporting that is currently affecting my credit score and credit worthiness. After my recent dispute Experian basically removed all of the previously listed Charge offs that were reporting and instead listed them with No Data. However, what they also did was report this account as being recently charged off for XXXX which is absolutely incorrect and is most certainly re-aging this account to make it look like I just recently missed a payment. I will not allow Experian to get away with this frivolous reporting on this account. They made the whole situation worse because I havent missed a payment on anything since XXXX but it looks like I did in XXXX of XXXX. I would appreciate if this issue could get resolved ASAP as it is affecting me negatively while Im trying to make a home purchase. Thanks in advance for taking the time to help me resolve this issue.
Product: Credit reporting or other personal consumer reports

After initially sending Equifax a dispute letter to investigate my consumer report, I asked them to include any documents including signed agreements, receipts, and contracts in which they failed to provide. Equifax responded saying that the information is " Verified '' but never sent any documentation or receipts to verify the alleged debt. I reached out to the creditors asking them to verify any debt in which I never received a response or the documentation. The information that's reporting to my consumer report is badly affecting my credit score putting me in hard times. I have no knowledge of who these creditors is nor did we have any mutual agreement. The accounts reporting are not mine and be removed if they can not be properly verified. The creditors reporting the accounts never had my consent to obtain or share my personal information with anybody which is a violation too my right of privacy. I am aware that it is Equifax 's duty to do what's fair and equitable as a consumer in which I don't believe there was a fair investigation. 
Violations committed by Equifax & the credit bureaus 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1692c - Communication in connection with debt collection
Product: Debt collection

On XX/XX/XXXX, I opened an account with XXXX XXXX XXXX XXXX. My last payment to XXXX XXXX XXXX, na was on XX/XX/XXXX in the amount of {$100.00}. My balance was {$330.00} at the time. On XXXX, the account was closed and charged off with XXXX XXXX XXXX On XX/XX/XXXX, LVNV Funding, LLC acquired the account. I Received Several Emails, and Calls from XXXX XXXX XXXX XXXX XXXX ) and Resurgent Capital Services XXXX XXXX ). I have Disputed the account and requested to verify the correct balance. 
LVNV Violated, " The completion of the period of limitation prescribed to bar any action shall defeat and extinguish the right as well as the remedy. '' XXXX XXXX. 
The statute of limitation clock starts when the contract is breached. Typically, this means 30 days after the date of the last full payment. 

Also, Misleading representation, will XXXX different companies stating that they are collecting debt for LNVN, Funding relating to a charge off account with XXXX XXXX XXXX 


Futhermore, On XX/XX/XXXX a summons was issued by LNVNL Funding, LLC XXXX XXXX XXXX XXXX to appear in XXXX XXXX XXXX XXXX regarding the collections debt matter. ( XXXX XXXX. : XXXX ), delclaring that I pay {$780.00}, plus judgement interest at 8 %. 
The declaration stated that LVNV Funding, LLC ( Plaintiff ) " Through Counsel '' sent ( Defendant ) a correspondence demanding payment on this account. 

I never received Correspondence through counsel demanding payment for the account. 

Also, I was never served summons, as there is no proof of summons. I so happen to be walking in my front yard and notice a paper on the ground. 

On XX/XX/XXXX, I contact XXXX XXXX group and spoke to a XXXX who identified himself as the vice president of the company. He was rude and wouldn't hear anything I had to say regarding this matter. 

I went to the company 's website and saw that that did not have a " XXXX XXXX listed on their website and through Mississippi XXXX of XXXX XXXX XXXX.
Product: Debt collection

I Notice two Derogatory accounts on my credit report from Wakefield and Associates so I sent the first letter to request for Validation with in 30 day of receiving the certified letter 30 days to investigate this information and during such time all collection activity must cease and desist. 30days later there was no response Next I sent a final letter and started this complaint.