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

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate this account from XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CALIFORNIA XXXX Date of Birth : XX/XX/XXXX SS # : XXXX DATE : XX/XX/XXXX Subject : Complaint Regarding Incorrect Account on My Credit Report Under FCRA Dear Consumer Financial Protection Bureau, I am writing to dispute the following information in my credit report. I am disputing this account under the Fair Credit Reporting Act ( FCRA ) for the following reasons : Information on the Disputed Account : Name of Financial Institution : XXXX XXXX Account Number : XXXX Date of Account Opening : XXXX The above-mentioned account was never properly notified to me as required by the FCRA. Under the FCRA, I must be notified of any information that affects my credit report before it is reported. The lack of proper notification violates my rights under the FCRA. 

15 U.S.C. 1681b : Limits the purposes for which a credit reporting agency may provide my credit report. I was not informed or asked for my consent for this Account 15 U.S.C. 1681i : Describes the procedure for disputing inaccurate or incomplete information on my credit report. I am disputing the accuracy of this account and request that it be removed immediately.

15 U.S.C. 1681m : Requires that I be notified of any adverse action taken against me due to information on my credit report. I did not receive any notification about this account.

Thank you in advance for your attention and help in resolving this complaint. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

After years of being harassed and bullied for not being able to pay what they demanded, I was finally enrolled in a 'program ' that halved my payments XX/XX/XXXX. XX/XX/XXXX, I was on workers comp, and still made the effort to pay when they called me relentlessly to make a payment. I found out through XXXX different 'representatives ' that the 'program ' I had been enrolled in had expired and the six previous payments I had made went to my federal loans. I requested the six payments to be payed to the private loans since they were demanding a large sum of money to be paid at once that I did not have. It was the next phone call I received that I was informed the six payments were reduced to three because the program had expired. There was no offer of another program to be enrolled in and so federal loans were sent to a collections agency who is currently garnishing my wages and is n't allowing me to make payments to my private loans. I can not possibly pay both private and federal with what little I make and still pay my bills, etc. I have spent twelve years reasoning with salliemae/XXXX and now I can no longer face another demeaning, round a bout, phone conversation. They do not help those of us trying to make payments, they have only bullied, harassed, and hindered my progress. I am made to feel ashamed by every representative I have spoken with. XXXX I dwell on what enormity this situation has blown into and I can not see a way free or at least through. Despite their efforts, I have finally received my XXXX and am trying desperately to complete what is necessary for my resume/XXXX to get higher paying jobs that I schooled for so I can pay them off for good.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments 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 the account : Account Name : XXXX XXXX Account Number: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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Not my account XXXX XXXX XXXXXXXX Not my account XXXX XXXX XXXX Account never late XXXX XXXX XXXX XXXX {$260.00} Account not mine XXXX XXXX XXXX {$250.00} Account not XXXX XXXX XXXX XXXX account number N/A {$4200.00} Account never late XXXX XXXX XXXX {$600.00} Account never late XXXX XXXX XXXX {$2300.00} Account never late
Product: Debt collection

1. Hospital visit XXXX XX/XX/XXXX2. My employer provides health care at 100 %. My XXXX XXXX company is XXXX3. XXXX paid the medical bills5. Then, in XX/XX/XXXX a collection agency, XXXX XXXX XXXX, placed a negative item in my credit report stating I had not paid the doctor. 
6. I call the doctor. They state that their accounting firm at the time went out of business and sold its accounts to a collection agency. 
7. We send an email to the Manager of the collection agency and spoke with his staff. They state they do not have the actual invoice which was not paid, only an entry in the database they received from the defunct accounting company. 
8. The item is removed from my credit report. 
9. In XX/XX/XXXX a different collections agency, Commonwealth Financial, places the negative item back in my credit report. 

Commonwealth Financial has this error in a database which they got from XXXX XXXX XXXX, which got it from the accounting firm which went out of business right after we used the doctor and XXXX paid the doctor. 
It seems that there is just a big scam where XXXX accounting firms sells accounts to another agency which further sells it to another firm, when in fact the first company had already been paid by the insurance company. XXXX collections agency scams another agency, which then scams another, when in fact there is no debt to collect as the initial firm received payment years ago. 

My credit score is hammered each time a collections agency buys the account from another XXXX and puts this incorrect item in my credit report. 

I need your help to stop this once and for all.
Product: Consumer Loan

XXXX We did a 6 month same as cash with them while purchasing a pool from XXXX XXXX They sold our telephone number to XXXX or XXXX different companies. I received so many calls from random numbers it was insane. I called and had my number removed. I 'm still waiting for for {$500.00} credit that was on my account. I made the payment on XXXX XXXX, 2015 and called on XXXX XXXX and they said they would mail me the check and I would get within 17 business days. Called today, XXXX XXXX and surprised my check never got mailed. They are now telling me again it might be another 17 days. I have another call into management. I would never suggest this company or ever deal with them again.!
Product: Money transfer, virtual currency, or money service

I tried to send money to my friend of XXXX dollars and it kept declining which it never does in the past. After that I said probably it will work if I send it through bitcoin but it also didnt work. After I sold my bitcoin and tried to withdraw my money, it locked my account. I tried emailing them 10 times but they never responded and I have money still in the app which I cant get out. THIS IS CASH APP and they are trying to scam me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Me have contacted the credit people for the inquiry on me credit report. The inquires are *XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX* Me no give permission for these company to get my inoformation.
Product: Vehicle loan or lease

I paid off my XXXX  lease to KIA Finance in XXXX XX/XX/2024. I submitted all necessary documentation for title release at XXXX and I got promise from KIA Finance that title will be released in XXXX business days and mailed to me. I did not get title during XXXX  days after all requirements were done to get title. I called to them several times. They are keeping to tell me that title was released and will be shipped but I did not get title and they are not confirming that they shipped title to me, telling different stories " why '' it will be going to take care to ship but didn't not shipped and I can not register and drive car which I paid off.
Product: Money transfer, virtual currency, or money service

In XXXX of this year TCF closed its local branch in XXXX, AZ and transferred its busness to XXXX XXXX XXXX XXXX ( XXXX ). At that time I tried to move an IRA account from TCF in XXXX to XXXX but was one day late to do so. I called TCF and was told I needed to fill out an IRA Distribution Form. TCF said it would mail me the form. Two weeks later I received a Change of Address Form. I completed the form and mailed it to TCF after calling TCF again asking for the rollover form. Several days later I received and completed the form and mailed it to TCF. A few days later I recleived an emaill from TCF asking for my personal information which I sent to an email address requested by TCF. Several days passed. I called customer service several times and got no answer. Finally, on XX/XX/XXXX I sent a certified letter to TCF and noted that it was delivered. I finally reached customer service on XX/XX/XXXX. told them my problem and they took all my information and said they would get back to me that day. Today is XX/XX/XXXX, and I have not heard back. I don't believe that TCF intends to send me my money.
Product: Credit reporting or other personal consumer reports

According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a XXXX ( Cancelation of date ) from the following charge off accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the XXXX form.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I recently brought a XXXX XXXX and have been building credit from it, Everything was going good untill somewhere between XXXX of XXXX I looked into my credit report and told me I was removed from file. XXXX XXXX Is who I brought the car from im still paying on it also havent missed a payment or late so I was confused on why.I went to XXXX XXXX and was told they stop sending credit to the credit bureau and ask if they could just leave my file on records but not update it so I wouldnt lose my credit, I went from a 667 credit to 0 within a month because I was took off file instacredit automart and Im very very upset about this and just want me credit to be restored Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CPS, INC aka Consumer Portfolio Services , Inc. placed inquiries on my XXXX and XXXX credit reports on XX/XX/XXXX and XX/XX/XXXX. According to their telephone attendant, they are a debt collection company. However, I learned they are also a auto lending company. I did not apply for credit with CPS, nor did I apply for a loan with them. They did not have my permission to run credit checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 contacted XXXX services in regards to unauthorized inquiries showing on my XXXX credit report. 

XX/XX/2022 XXXX XXXX ( not authorized ) XX/XX/2022 XXXX XX/XX/XXXX, XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card service
Product: Checking or savings account

There are two main issues : 1 ) When I transfer money to Capital One, it takes over a week for it to appear in my account. Today, a wire transfer between my accounts at XXXX XXXX and Capital One is instantaneous. While Capital One sits on the money, it collects interest on MY money instead of me. Given the volume of customers that experience this, I am assuming that Capital One is making XXXX on its customer 's money. 

I asked for an accounting, but I only get a verbal statement that I am earning interest from the day I submitted the transfer. I do not believe that to be true. If it is true, I'd like an accounting of it to prove that.

2 ) I was promised 4.5 % interest rate for switching my money over. I do not believe I am receiving that rate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated these rights ( acct # XXXX ) According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

15 USC 1681s-2 states that they are suppose to 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 card or prepaid card

I was shocked when I reviewed my credit report and found 90 days late payment on the datesXX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my XXXX credit report and noticed 1 Inquiry was reported on XX/XX/XXXX to Barclays Bank. I never made this request for a new line of credit, as I already have a Barclays card. 

I first called Barclays to see if they could remove it themselves, and more importantly, if they even solve this account in their records. The employee at Barclays that I spoke with, stated that they only could find one account in the records under my Social Security number, which was the Barclays card I currently have. they could not find those cars that was requested for opening last XXXX. I also reached out to XXXX XXXX who, similarly to Barclays, suggested to reach out to the government in reporting it as fraud.
Product: Debt collection

Portfolio recovery and Associates garnish my bank account on XX/XX/XXXX. For a XXXX XXXX debt they said I owed in XXXX I have no idea what they're talking about. I called the courts and they said it was from a judgment in XXXX that I never attended. So XXXX years later they can just seize my bank account and never notify me.
Product: Credit reporting or other personal consumer reports

Recent Dispute Dates : XX/XX/2023 Reason : Dispute XXXX of the credit card that doesn't belong to me. The credit card has due pay for over 150 days. It severely damaged my credit score. 

Actions I have taken : I filed multiple disputes regarding XXXX of the mis reports of the credit card that doesn't belongs to me. The XXXX told me they did investigation and won't change the record. 

I also called BofA to help correct it, my XXXX XXXX got back to XXXX in XXXX after I call BofA. 
But somehow the wrong bad record comes back to my report again, decreased my score to XXXX. 

It is so obvious that the owner name of the card is not mine, and I double confirmed with BofA that even the XXXX of the card is not mine as well. 

The XXXX refuse to give out details of how they do the investigation, how they ignore the obvious mistake on the record.
Product: Credit card or prepaid card

American Express Serve : I haven't been able to withdraw money since Saturday ( XX/XX/XXXX ) ; however, it is showing that an ATM withdrawal was made but the ATM declined my transaction. Also, there are completed charges and pending charges for the same purchases on my account. Every time I call in to rectify the issues, I'm placed on a ridiculous long hold. When I did get through, the call was terminated. I sat on the phone an hour to reach a representative. With a planned trip coming up, I can't access my funds and reach anyone.
Product: Debt collection

I contacted XXXX XXXX because my payments doubled. They said it was due to the economy. I asked them for help and they said nothing could be done. So, I contracted with XXXX XXXX for the original lower price I had with XXXX XXXX. 

I was advised that coverage would be picked up by XXXX XXXX and that if there was any bill that needed to be paid. I never got a call from XXXX XXXX. Less than one year later I noticed my credit score had gone down. That is when I found out that XXXX had sent my account to collections. 

After contacting them, they shared with me the address they sent the bill too and it was not the address I had my account with them at. It was an old address I had not lived in for XXXX. 

I didn't receive ANY notice that this would be sent to collections and now even if paid they say they will not delete. 

I would like to have this removed from my credit report as I was NOT notified it would be reported and every call to XXXX XXXX before hand I was told they would mail me a bill if there was one and they would not if there was not.
Product: Credit card

I am disputing the collection account with CBNA ccount number XXXX dated XX/XX/XXXX, with a balance of {$2400.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that CBNA provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/XXXX. Since then the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ), on Experian its ( XX/XX/XXXX ), and on XXXX its ( XX/XX/XXXX ). If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account XXXX XXXX XXXX XXXX XXXX XXXX ; Account Number 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are all fraudulent accounts. Some accounts are not even reporting to all credit bureaus.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX - {$10000.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I submitted a dispute for XXXXXXXX XXXX XXXX  as this information is reported inaccurately on my credit report. After their alleged investigation, they returned stating that they would keep the information on my report without any change, deletion or other remedy. I hereby demand that XXXX, TransUnion and XXXX clearly details what their reinvestigation procedure was for this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt collectors are trying to collect debt not owed by me I was a victim of identity theft in 2019 and several accounts were opened in my name and social I have been on a hard road to get it fixed but XXXX XXXX  XXXX  and XXXX are giving me a hard time I assume they do not think it was fraud and they just assume that which is because I can see in my credit that whoever opened these accounts made a few payments and then stopped so I guess that may be why they will not consider it fraud
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was r
equested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports