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

n 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 U.S.C 1681. Has Violated my rights. 1. Account Name : XXXX XXXX  / Account number # XXXX 2. Account Name : XXXX XXXX XXXX Account number # XXXX 3. Account Name XXXX XXXX XXXX XXXX Account Number # XXXX 4. Account Name : XXXX XXXX / Account Number # XXXX 5. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX 6. Account Name : XXXX  Account Number : # XXXX 7.Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S. C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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

I sent multiple disputes through XXXX XXXX, XXXX, and Experian to have the original creditor send proof of ownership of the account. I also stated to have the account removed from my credit report until they could prove ownership and to remove the account because they did not have my consent to add it to my credit report in a negative manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX DISRESPECTS CONSUMERS! I DID NOT NEVER AUTHORIZE FOR A BLOCK TO BE ON MY CREDIT PROFILE FOR NO PROMOTIONAL SERVICES! IF I DID NOT AUTHORIZE THAT WHY IS EQUIFAX PUTTING THE BLOCK ON THERE ON THEYRE OWN? CANT NEVER GET THROUGH AUTHORIZATION WITH EQUIFAX NEVER! YALL HAVE CONTROL OF PEOPLE LIVES IN THIS SYSTEM AND DISRESPECT PEOPLE LIVELY HOOD WITH THIS INCOMPETENT SYSTEM. YOU TAKE MULTIPLE PICTURES SUMMIT IT AND STILL CANT BE VERIFIED WITH YOUR OWN CREDIT PROFILE. ITS HORRIBLE AND VERY VERY DISRESPECTFUL TO CONSUMERS AND IM GON NA SUE EQUIFAX! MAYBE YOULL UNDERSTAND THEN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and talked with a representative in XX/XX/2020. I asked to be put on the forbearance when COVID hit. They assured me that I would not be marked late and that it would not report negatively on my credit report. I have contacted Barclays in XX/XX/2020 and they refunded me from the Late Payment fee they accidentally charged me but did not change on my credit report that I have never been late on any payments.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against XXXX XXXX XXXX XXXX for XXXX XXXX XXXX and Mishandling of Account Complaint Summary : I am filing a formal complaint against XXXX XXXX XXXX XXXX regarding their inaccurate reporting of my auto loan account to credit reporting agencies, mishandling of my account, and failure to provide effective customer support despite adherence to an approved payment plan and extension agreement. Their actions have negatively impacted my credit report and financial standing. 

Details of the Issue : Account Overview : Account Number : XXXX Vehicle : XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) : XXXX  XXXX approved an extension of one payment of {$860.00}, deferring it to the end of the loan term. 
XXXX XXXX indicated that delinquency reporting would continue until the account was brought current. 
Hardship Payment Plan ( XX/XX/XXXX ) : Entered a hardship payment plan due to financial difficulties caused by natural disasters. 
Payment plan terms included XXXX payments of {$860.00} each, due on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Per the agreement, completing the payments would make the account current as of XX/XX/XXXX. 
Payments Made : XX/XX/XXXX : {$860.00} auto-drafted successfully. 
XX/XX/XXXX : {$860.00} auto-drafted successfully. 

Discrepancy and Reporting Issue : Despite making timely payments, I received a notification from Experian on XX/XX/XXXX, that my account is reported as 30 days past due. 

This is incorrect, as I have complied with the payment plan and extension terms. 

Unsuccessful Attempts to Resolve the Issue : I contacted XXXX XXXX customer service multiple times to address this issue. Unfortunately, my efforts were unsuccessful. 
Customer service representatives deflected responsibility, claiming that the error was on the part of the credit bureaus. This response was unacceptable, as XXXX XXXX is responsible for ensuring accurate reporting of account status to credit bureaus. 

Evidence of Compliance : Attached documents include : Extension confirmation ( dated XX/XX/XXXX ). 
Payment plan confirmation ( XX/XX/XXXX ). 
Statements showing payments on XX/XX/XXXX and XX/XX/XXXX. 
Notification from Experian reflecting the inaccurate reporting.
Product: Credit card or prepaid card

XXXX XXXX deposit made on timeshare {$12000.00} XXXX XXXX canceled the purchase by registered letter / and email within the applicable time. 
XXXX XXXX acknowledges email XXXX XXXX they want me to agree to fees that are not part of the timeshare purchase, I never agreed because it was not part of the purchase. 
No Credit was given XX/XX/2021 Requested Barclays Bank Delaware dispute the charge asked for credit for a full refund. 
Barclays Bank Delaware never responds to my dispute claim I called several times and they gave me a case number Barclays Bank Delaware never gives any written explanation of the creditors determination Barclays Bank Delaware puts the credit card account in collections XXXX XXXX requested relevant documents in the determination of the dispute. 

There was a second credit card used for the same transaction we also put that in dispute which was resolved by the credit issuer in our favor for the full amount charged. A credit was issued. 
It was the same purchase identical letters were sent and only one card was resolved. An application for credit was given to me at the resort and Barclays Bank Delaware ( RCI card ) favored the resort. Never responded to my request for a refund. Did not respond within 30 days. They never sent a determination. Nor did they resolve it within 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ran a hard inquire without my knowledge or permission. 


XXXX Inquiry from XX/XX/XXXX Telephone Companies This inquiry could stay on your report untilXX/XX/XXXX 
See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor.
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  Dear Sir/Madam, I am writing to formally request the removal of the account associated with XXXXXXXX XXXX from my credit report. Despite multiple attempts to obtain proper debt validation through the Consumer Financial Protection Bureau ( CFPB ), XXXXXXXX XXXX  has consistently failed to provide the necessary documentation proving ownership of the debt in question. Instead, they have only responded with billing statements and a bill of sale, which do not meet the legal requirements for debt validation. 

According to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ) debt collectors must provide adequate validation of a debt upon request, which includes proof of an assignment of contract or documentation demonstrating legal ownership of the debt. Billing statements alone are insufficient for debt validation, as they do not prove that the debt collector has the right to collect the debt. Furthermore, providing a bill of sale is not proof of ownership ; it simply confirms that the debt was purchased, but it does not demonstrate that the purchaser has legal authority to collect the debt. 

Additionally, under 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information they report. Since XXXX XXXX has failed to provide proper validation, the continued reporting of this account on my credit report is a violation of federal law. 

For your reference, I have attached copies of the CFPB complaints I have filed and the responses from XXXX XXXX. These documents further demonstrate their failure to provide the required debt validation. 

I respectfully request that you investigate this matter and promptly remove any and all references to XXXX XXXX from my credit report. Please confirm in writing once this account has been removed. 

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

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$8400.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3100.00} ), XXXX ( Date Opened : XXXX, XXXX, Balance : {$3500.00} ), XXXX ( Date Opened XX/XX/XXXX, Balance : {$5100.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3400.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$8800.00} ), XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$340.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a XXXX XXXX account on my credit report with all three Credit Bureaus. The disputes led to XXXX XXXX taking me to court over a credit debt of {$2100.00} on XX/XX/2016. I filed an Answer with the court denying the debt was mine. After meeting with the attorney who showed me copies of statements which I denied any knowledge of, we were unable to come to any mutual agreement. We had to continue with court which the Judge ruled in my favor the defendant. The attorney was unable to prove the debt belong to me. I was given a copy of the Judgement which i sent a copy to all three Credit Bureaus, Experian, XXXX and XXXX. They still continue to report this debt as does XXXX XXXX who also has a copy that was given to there Attorney.
Product: Debt collection

They contacted my XXXX  child while they were at school and told them to have me call them about a debt that is in litigation ( we were hit by another person and insurance is paying off the motorcycle ). My husband had XXXX XXXX due to the injury from the accident and we have been at the hospital for 3 weeks while he recovers. They are calling my XXXX child, distant relatives, employers, neighbors.. etc. we have told them to stop calling and they will not. XXXX from XXXX XXXX financial called my son, and my mother in law stating that there was an issue between my husband and I she needed to speak to her about. The tactics are extreme. To call a XXXX child on their cell phone that their father pays for and I am not connected to, and to leave a message for a child to tell their mother, I am appalled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I've been reaching out to the Credit bureaus regarding a few late payments they are saying that I was late when I was not. The late payments reporting on my credit report are inaccurate and false. I reviewed my credit report and the days they said I am late are not matching each other., all 3 credit bureaus are noncooperative in getting the proper information and have not shown me any proper investigation and or reports from the creditor showing that my payment was late on the days they alleged I was, I have an outstanding credit history and to improper reporting from this creditor and the 3 credit bureaus, I am suffering financial harm which is due to the negligence of the 3 credit bureaus towards my credit score. 


On my XXXX account # XXXX I was never late XXXX XXXX XXXX # XXXX I was never late XXXX XXXX XXXX # XXXX I was never late, on XXXX and XXXX stated that i was paying " Exceptional '' but Experian has it that I was 1 month late. Which is incorrect and inaccurate XXXX XXXX XXXX. This account was paid in full and never late
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX. I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of the account with the original creditor which show 2 completely different balances. Furthermore, the original creditor stated that the account was sold to the XXXX XXXX. This debt you are claiming on my credit report is not mine and I was given no evidence of my obligation to pay this debt to this collection agency named XXXXXXXX XXXX. The FCRA requires you to verify the validity of the item within 30 days in which you failed. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under then FCRA. I look forward to an uneventful resolution of this matter.
Product: Debt collection

I contacted the collection agency and we agreed to settle the account at {$250.00}. However, they tried to force me into giving them my banking information which I did not feel comfortable doing specially because they refused to send me a letter confirming the agreement of {$250.00} before making the payment. I sent them a check and a note indication that the check of {$250.00} was for full and final settlement of the account. I also put on the front and back of the check that this payment was for full and final payment of account ending in XXXX which they cashed. I then called the collection agency to request a settled in full letter and they refused and was asked by the manager XXXX XXXX to pay an additional {$200.00} to settle my account. I can provide proof that the check was cashed on XXXX/XXXX/15.
Product: Checking or savings account

On XX/XX/XXXX I had {$24000.00} in my personal checking account ( XXXX ) and have been trying to close and liquidate the account for weeks. I need to fire Chase and move on. Chase claims there was an issue with a LLC account that I am signatory on, but has shown no proof of this. This LLC is actually wholly owned by another LLC. Chase took it upon themselves to pierce two LLC 's and instantaneously steal my personal family assets. These assets, are the income of my wife and myself. Chase, via XXXX and XXXX have given me tidbits of information, just stating this LLC received a fraudulent wire, and offered no proof of wrong doing. I am simply just asking to learn all the facts of their claim. Chase told me to call a XXXX, a bank that I am not a client of. XXXX will not speak with a non-client. Today is the 22nd day I am without my money, and XXXX will not return my calls. I was supposed to be on vacation with my family in XXXX and this trip is destroyed, as I can not meet them there, while we all have time off.
While Chase did take my money, I notice they charged me fees on my account and I assume my Chase Credit Card is assessing more fees, as I can not pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, equiafax have reported incorrect information on my credit report that is not mines which are XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX i sent a dispute to the alleged Debt collector Portfolio recovery and credit reporting agency XXXX about inaccurate credit reporting. I requested debt validation on the alleged collections account affecting my credit report, I requested VALIDATION of debt, The sent an itemization of charges which is break down of the alleged charges which by law is NOT considered validation of debt. I requested the initial original agreement from alleged company and or original wet proof of my signature which they did NOT provide. They sent an update on the XXXX online portal that the they Verified as of todays date XXXX this alleged debt. They did not send the proof and this is not VALID.Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.
Product: Credit reporting or other personal consumer reports

The late payment information reported for the account is inaccurate and inconsistent with other payment reporting records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax repeatedly said that my account was locked and to contact them. Here 's what I wrote to them : Dear Equifax : I am writing to request that my account be unlocked. Attached is my social security card, driver license and bank statement. 

On XX/XX/XXXX and XX/XX/XXXX, I requested this be done by mailing two letters addressed to Equifax XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX with those attachments. I called and was told that the first letter was not received so I sent a second one. Again, I called and was told that the second one was not received. Then I called four times in the past year requesting my account be unlocked and your document verification software failed. On my XX/XX/XXXX phone call, I was transferred to a technical support person could not help me so he gave me XXXX # XXXX and said I'd hear back in 7-10 working days. I did not hear anything back. On XX/XX/XXXX, my request was escalated to a representative who tried to activate a new account with my work email : XXXX and that failed. He told me that he assigned XXXX # XXXX and I would receive an email in 7-10 business days with the findings. I never received such an email.
Product: Debt collection

On XX/XX/XXXX, I was notified by a mortgage lender that I owed {$50.00} in a medical debt that had been turned over to collection First Financial Asset Management ( XXXX ). I had received neither any bills nor any phone calls from either the original creditor or the collection agency. They had sent to a prior address where I had not lived for four years and I had given them the correct address when being checked into the emergency room in XX/XX/XXXX. They also had my correct phone number on file. Over several days, I tried repeatedly to obtain the information regarding the debt from the original creditor, XXXX XXXX. After many conversations with XXXX XXXX, Ms. XXXX XXXX with XXXX XXXX ( XXXX ) indicated that she would authorize the collection agency to remove the debt from my credit if I paid the {$50.00} to the collection agency. On XX/XX/XXXX, I spoke to Ms. XXXX XXXX  with First Financial Asset Management and Mr. XXXX XXXX with First Financial Asset Management. They indicated that if I paid the debt, the collection would be removed from my credit report. I paid the {$50.00} immediately. I was asked to send an email to Ms. XXXX ( she gave me her email address ) and she would send me the XXXX control number to confirm the removal had been sent to the credit bureaus. I did not receive that information and followed up today to obtain the evidence the information had been removed from my credit report. I received a return call from Ms. XXXX XXXX  that she was wrong and the information could not be removed from my credit report. I asked to speak to her supervisor. She indicated her supervisor, Ms. XXXX XXXX, was on a conference call and I could leave a message. The practices of this company are deceptive and this information should be removed from my credit report. 

Following is evidence of the email sent last week : Acct # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX  ( 7 days ago ) to XXXX, me Good afternoon Ms. XXXX- Per our conversation earlier today, I have paid the {$50.00} owed to FFAM for a XXXX XXXX medical bill and that collection account will be deleted from my credit reports. 

Please forward the XXXX  control number ( evidencing deletion of the collection ) at your earliest opportunity. 

Thank you for your assistance in this matter. I really appreciate your professionalism and willingness to work with me to resolve.

Kind regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  account Acct # XXXX was charged off in ( XX/XX/year> ) .I have requested the 1099c to support the charge off and it has not been sent. I have dispurted this account as well with the credit bureau and it comes back verified or updated. According to the Fair Credit Reporting Act ( FCRA ) and Code 15 U.S.C. 1681e ( b ), income that has been reported to the IRS via a 1099-C can not also be reported as a delinquent debt on a credit report. This is further supported by the ruling in Discover Bank v. Scheimer, 36 F.3d 1214. Attached is also the dispute filing in XXXX. This is my 2nd request asking for the 1099c and providing proof of the that this is incorrect. Attached is proof that there is a balance still showing on my credit report and this account was suppose to be deleted per a final decision made by XXXX XXXX  XX/XX/year>. It has not been deleted and still shows on all three bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Infiniti of XXXX initiated an unauthorized inquiry to my consumer report on behalf of I, consumer, XXXX XXXX without permissible purpose. I have attempted to fix this issue with the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 credit inquiries that I do n't remember applying for that are on my record. 

Date - XXXX/XXXX/XXXX - Credit Inquiry - CBNA Date - XXXX/XXXX/XXXX - Credit Inquiry - CITIBANK NA