23daVinci/CFPB_Complaints huggingface dataset:
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. 
1 ) XXXX  XXXX BANK, XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXXXXXX BANK ; 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 XXXX 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

I purchased a XXXX XXXX XXXX camper  through XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX! Paid the camper off in XXXX they now show paid off 3 different times and now show fully collections and default! I have been in litigation and they report it every month after its closed!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

After trying to get PSLF forgiveness and being denied ( complaint #  XXXX  ) FedLoan servicing recommended a payment plan that would have been more than {$150.00} per month than I was previously paying. I called them twice to complain and was told the first time that my payment would be adjusted down and to ex pect one payment period of forbearance to get onto the new payment schedule. Just before the scheduled payment was due, I logged into the FedLoan website and noted that the payment was still scheduled and no forbearance was issued. I called them immediately and they again told me not to worry about the payment and re-issued a forbearance ( verbally ) and let me know the rate would be adjusted downward. Two days later an automatic payment was taken out of my checking account for the unadjusted amount. This caused an overdraft on my checking account. I tried twice to get this situation straightened out and their actions re sulted in an overdraft.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are reporting incorrectly. According to 15 usc 1681 I have the right to privacy and did not give these companies written permission to furnish these accounts. 
Requesting that a full investigation be done for the accounts listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these accounts it is hindering my life.
Product: Credit reporting or other personal consumer reports

Dear TransUnion I see that your company has not responded to my initial dispute. Because of this, the dispute must be valid. PLEASE DELETE THE BELOW ACCOUNTS ASAP. Your company has not complied with the FCRA when it comes to responding to my dispute. I demand that you remove the inaccurate account at once. 

XXXX  : Account number : XXXX, The account type detail has another name. 30 days should be enough to correct Last reported dates. 

XXXX  : Account number : XXXX, The account type detail has another name. 30 days should be enough to correct Last reported dates. 

XXXX XXXX XXXX Account number : XXXX, The account type detail has another name. 30 days should be enough to correct Last reported dates. 

XXXX XXXX XXXX  Account number : XXXX, The account type detail has another name. 30 days should be enough to correct Last reported dates. 

XXXX XXXX XXXX Account number : XXXX, The account type detail has another name. 30 days should be enough to correct Last reported dates. 

XXXX XXXX  : Account number : XXXX, The account type detail has another name. 30 days should be enough to correct Last reported dates. 

XXXX XXXX XXXXXXXX : Account number : XXXX, The account type detail has another name. 30 days should be enough to correct Last reported dates. 

If this item is not removed from my credit report and I receive an updated credit report stating that you have completed your investigation, I will turn all letters sent to you and received from you over to my attorney for review for willful non-compliance. 

Tracking everything, every day. 

I expect to hear from you within 10 days CC : FTC, XXXX CFPB
Product: Checking or savings account

I have a XXXX XXXX and Im having problems linking my account with that app.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX XXXX XXXX, Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX ) Account : XXXX ( XXXX XXXX ) Account : XXXX ( XXXX XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681 C. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, 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 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Balance : {$840.00} XXXXXXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX : {$580.00} XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX  XXXX Balance : {$5300.00} XXXX XXXX Balance : {$0.00} XXXX & XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX Date XXXX XXXX XX/XX/XXXX & XXXX XXXX Date of XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CITICARDS CBNA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear to whom it may concern, Re : Settlement Offer for Account Number XXXX I am writing to propose a settlement offer for the above-mentioned debt. As you are aware, I have been experiencing financial difficulties and have fallen behind on my payments. After careful consideration, I am offering to pay 50 % of the outstanding balance in a lump sum payment. 

This offer is a one-time settlement proposal, and I believe it is a reasonable and fair compromise considering my current financial situation. I am willing to work with you to find a mutually acceptable solution and avoid further collection activity. 

If this offer is acceptable, I request that we enter into a written settlement agreement that includes the following terms : The creditor agrees to delete the account from my credit file upon signing the agreement.

The creditor reports the account as " paid '' or " settled '' to the credit bureaus, once settlement is paid.

The creditor waives any remaining balance and agrees not to pursue further collection activity or legal action.

If I fail to make the agreed-upon payment, this settlement agreement shall be deemed void, and the creditor may : - Put the account back on my credit file - Pursue collection activity or legal action to recover the full amount of the debt Upon completion of the settlement payment, I will be eligible to apply for credit and conduct business with the creditor in the future, subject to the creditor 's standard credit approval processes and terms.

Please let me know if this offer is acceptable, and we can discuss the details of the settlement agreement. If not, I would appreciate any alternative proposals you may have.

Thank you for considering my offer. I look forward to your response. 

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

I reviewed my Consumer Reports and noticed that I had 4 late payments 15 student loans on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have always made my payments on time. For some reason, I realized that there were XXXX days late payments on my credit report. I have read enough to understand my rights. The XXXX and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, WELLS FARGO XXXX XXXX XXXX Open Date XX/XX/2014 Balance : {$0.00}
Product: Credit card or prepaid card

Due to a previous complaint there was a cease and desist letter and this company promised to stop with illegal collection and harassment. The problem is that now they are claiming I owe all this money that I dont and they wont send me a bill to clear it up or accept payment. They are reporting this bogus amount due now to all three credit bureaus and given me no way to look at what the charges are to resolve or pay it. This has had a huge effect on my credit score bringing it from over 700 down to 500 something! This is unlawful and illegal. I want this removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX  over 20 times on XX/XX/04. I was trying to speak with someone about disputing an erroneous address on my credit file. I was unable to speak with anyone, as the call kept dropping after 2-3 seconds. I attempted to dispute the wrong address on the website, but received an error message. 

Also, I had some questions about my membership, but I was unable to speak with a rep.
Product: Other financial service

Purchased a money order to pay my rent. Landlord returned money order stamped " REFER TO MAKER ''. Contacted Western Union who stated that money order was cashed. I sent paperwork to Western Union to have money order traced on XXXX/XXXX/2015. Have not heard anything from them.
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized inquiries the inquiry was not authorized. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

I am writing you this statement to delete the following information on my report. The items I need deleted are listed in the report. I am a victim of identity theft, I demand that you remove these items to correct my credit report immediately! I have reported this to the federal trade commission, and I have also attached a federal trade commission affidavit. Now that I have given the following information, please correct my report or I shall proceed with involving my attorney!
Product: Debt collection

I received a notice from Southwest Recovery Services of XXXX XXXX XXXX, XXXX TX XXXX stating I owed a debt of about {$8000.00}. I was not familiar with this debt and called them and kindly requested them to mail me proof of the debt for my review. 

I called them on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Today I spoke with XXXX XXXX who stated they dont mail these documents and he declined to mail me proof of the debt. This has been very stressful. 

In the interim, they have placed a debt on my credit report which has adversely impacted my credit score. 

I would just like to get a copy of this debt to see what debt it is theyre seeking.
Product: Credit reporting

I was looking for a free credit report. EXPERIAN has created their website in such a way that they charge a dollar ( paid by credit card XXXX to view the report and sign you up for credit monitoring which can be cancelled within 7 days. The website is intentionally convoluted to make it easy to continue without checking what one is signing up for. Soon after, they start charging {$21.00} a month for said monitoring. 
When I called to request a refund, they refused to refund claiming the charge is valid. They further complicated the issue by asking me to request the refund in writing from their accounts department which would consider my issue on a case to case basis. 
I believe their web site is purposely built to trick users into paying for the so called credit monitoring.
Product: Checking or savings account

My Kids send me money and wanted me to have a Chime Card account ... ... Today I went into a store and was declined ... .There is {$610.00} cash dollars in there as I have not been out because our weather was rainy cold and bad. Chime indicates I have done something illegal and they had to close my account ... ... .I have no idea what they are talking about ... .I want and need my money I am a XXXX XXXX XXXX Retiree with two Bank accounts 1 ) XXXX and 1 ) XXXX over 30 years old ... ... .Never had a problem. I do NOT HAVE A CRIMINAL RECORD. Please contact them and untangle this. I tried and only got a recording and a crazy email telling me to wait 30 days for my money which is horrible. I filed a complaint with the XXXX Chime wont even communicate.
Product: Credit reporting or other personal consumer reports

Please DELETE the iDespite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat This item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

Caller did not ask to speak to anyone. Said they were Process serves and if I did not call back immediately, they would send some one to my work place and serve my Human Resources personnel. 

I call back and they were looking for someone else. 

Company said they were Chaplain Financial and phone # is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is because XXXX  has violated FCRA 605B ( 15 U.S.C. 1681c-2 ) must remove the accounts from my credit profile within 4 business days when presented a full ID THEFT REPORT. They have also violated FDCP 809. Validation of debts ( a ) ( 4 ) Violated 15 USC 1692f ; Unfair Practices attempting collect an alleged fraudulent debt. 

XXXX received the initial complaint on XX/XX/2020 [ CERTIFIED # XXXX ] Therefore XXXX  is NOT ALLOWED take advantage of 60 days to do an investigation. because of this online complaint trying to use an online technicality This is a violation of 607. Compliance procedures [ 15 U.S.C. 1681e ]
Product: Credit reporting or other personal consumer reports

Experian does not have my full credit history despite XXXX and XXXX having it and the bank ( XXXX ) confirming that they have sent the information to Experian. I have a line of credit thats been open for 4 years and it does not show up on my credit report with Experian which has severely impacted my credit score ( not scorable with Experian resulting in denied credit applications ). Multiple attempts have been made to resolve the issue. First called and they opened an investigation XX/XX/23. Was never contacted with results so I called on XX/XX/23 and they had no idea what I was talking about and I gave them the case number. A second investigation was opened on this date and I was given a case number and I have never gotten an update. I know nothing has changed and they havent fixed the issue because my credit report is still missing this line of credit.
Product: Debt collection

Was sent a letter By GLOBAL CREDIT & COLLECTION CORP detailing a alleged debt not owed, further more I did not authorize this company to contact me or have my personal Indentifying information, this company do not have my consent un 15 U.S.C 1692 c.
Product: Credit card

i have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, i presume that no proof of the alleged debt, nor therefore any such debt, infact therefore exists
Product: Credit reporting or other personal consumer reports

An account was opened on XX/XX/year> in my name with : COMENITYCAPITALXXXX, XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX I had no knowledge of this account being created until I started receiving collection calls. I spoke with their representative on XXXX XXXX and explained that I did not apply for credit through them. Apparently, someone in XXXX, Florida opened this account and made several charges.
Product: Debt collection

Well I had a car with credit Acceptance during this time I was working but I lost my job. I was n't able to pay for the car no more after the continue threatening phone calls from them I told them I would surrender the car because they gave me that option. Since then credit Acceptance has auction this car off how they going to say I entered in another agreement with them when I did n't have a job to pay them.At the time I stayed in XXXX and the statue of limitations is up and now I 'm in XXXX the statue of  limitations is still up why do they still have this on my credit report when the car has been sold. I want them to remove this off my report ASAP. thanks XXXX XXXX.
Product: Debt collection

Ive been contacted on 4 occasions by a debt collection agency named Sequium Assets Solutions. They always start by asking me to confirm my name and street number of my address. From there they immediately ask how I will pay my debt and get aggressive about it. They claim I have an outstanding balance with my internet provider, XX/XX/XXXX The first time, I contacted XX/XX/XXXX and they confirmed that I did not have an outstanding balance. The second time I was called by XXXX, I asked what it was in regards to because they dont say that immediately. When they said my XX/XX/XXXX balance, I told them that I knew they were a scam and they immediately hung up. 

Date / time / number called from : XX/XX/XXXX / XXXXXX/XX/XXXX / XXXX XX/XX/XXXX / XXXXXX/XX/XXXX/ XXXX XX/XX/XXXX / XXXXXX/XX/XXXX XXXX XX/XX/XXXX / XXXX XX/XX/XXXXXXXX