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

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXX  XXXX, NY XXXX ; XXXX XXXX XXXX, XXXX ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX/XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$6300.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$340.00} ; XXXX XXXX XXXXXXXX XX/XX/.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call Experian to dispute my Department of Education loans but won't work. I have also went to dispute on XXXX and XXXX and their online disputes don't work. These companies do not care about anyone or anything. The department of education doesn't care about anyone or anything. I have been trying to get these marks off my credit report for months and months. They send me replies from 6 different addresses and phone numbers so far so I have no way of getting in touch with anyone and these credit reporting agencies are no help. Please help department of education is the only negative thing on my whole report and I paid them off at the beginning of the pandemic to have it removed from my report. I am attaching 6 different replies to my disputes which they use 6 different phone numbers and addresses.
Product: Vehicle loan or lease

on XX/XX/22 I went into XXXX XXXX of XXXX ( XXXX XXXX XXXX, XXXX, NC ) for a consumer credit transaction. a month or so later i began receiving postcards and statements from Santander Consumer USA about an alleged debt owed. I DID NOT AND HAVE NOT ENTERED INTO ANY CONTRACTUAL AGREEMENT WITH SANTANDER LEGALLY GIVING THEM THE RIGHT TO COLLECT ON THIS ALLEGED DEBT. Within 30 days I sent Santander Consumer USA correspondence challenging the validity of alleged debt and put them on notice that this alleged debt was DISPUTED. 
Pursuant 15 USC 1692g ( b ) under the disputed debt portion of the FDCPA it clearly states that " the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. '' Debt collector did not cease collection NOR did they cease reporting this alleged unvalidated debt on my consumer report which is a violation pursuant 15 USC 1692d ( 1 ). Santander continued to harras me by calling me daily at my place of work which not only gave me anxiety but also interfered directly with my work. Santander sent a copy of a contract I signed with the XXXX dealership which doesn't suffice as proof of a binding contract with Santander. My privacy has also been invaded as a consumer since Santander had absolutely nothing to do with the transaction or contract and have been harassing me daily. 
Santander continued sending their misleading and deceptive forms claiming they are attempting to collect a debt which is violation since they have not provided proper debt validation per 15 USC 1692g ( b ) or 12 CFR 1006.34.

They've recently sent me a " notice of right to cure default '' where they describe the " collateral '' and claim they will exercise their rights which i presume to be a sly way of saying they are going to take my vehicle. This is not only a violation pursuant 15 USC 1692d ( 1 ) + ( 2 ) but also 15 USC 1692f ( 6 ) ( A ) How are they trying to say im in default when in all actuality it is them who are in violation of federal laws by not ceasing collection of debt until they provide me with the proper documentation. 
In closing, id also like to mention that all of the " statements '' I have received are in the positive IE ( amount due now {$1800.00} ) which confuses me as the consumer. AM I OWED MONEY? Why are these statements dollar amounts all in the positive, like when I receive a check? Thats another violation pursuant 15 USC 1692e ( 2 ) ( A ) under false and misleading representations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX at approximately XXXX PM, I became aware that credit report may have been involved in a hack, leaked, and is currently compromised through Equifax. They gave me no notice or warning and I was lucky enough to see a warning online.
Product: Credit card

Issue Summary A joint Bank of America credit card account was mistakenly flagged for disputed charges totaling {$360.00}. Despite the charges being legitimate and subsequently paid directly to the merchant, Bank of America has failed to resolve the billing dispute and provide the corresponding credit.

Detailed Timeline 1. The following legitimate purchases were made using the joint Bank of America credit card account : - On XX/XX/XXXX : XXXX XXXX XXXX, {$67.00} - On XX/XX/XXXX : XXXX XXXX XXXX, {$16.00} - On XX/XX/XXXX : XXXX XXXX XXXX, {$5.00} XXXX On XX/XX/XXXX : XXXX XXXX XXXX, {$280.00} XXXX. Upon noticing these charges, I mistakenly disputed them with Bank of America, believing them to be fraudulent. 

XXXX. As a result of this dispute, XXXX threatened to close my son 's account. 

XXXX. On XX/XX/XXXX, to resolve the issue with XXXX and prevent account closure, my son XXXX XXXX XXXX ) made a direct payment to XXXX for the disputed amount. 

XXXX. On XX/XX/XXXX, I filed a billing dispute claim with Bank of America at the Bank of America bank XXXX in XXXX, Co. I subsequently provided a bank statement showing that my son had paid XXXX directly and requested a corresponding credit from Bank of America for the disputed amounts. I uploaded the bank statement from my son showing proof that he paid XXXX. 

XXXX. Since filing the dispute, I have made several attempts to resolve the issue with Bank of America, including multiple phone calls where I've waited on hold for up to an hour at a time. 

XXXX. Bank of America has responded to XXXX of the disputes, stating that they are unable to confirm that I paid for the merchandise or service using another form of payment. They claim to have requested, but not received, information showing what form of payment, other than the credit card, was used. That is incorrect since I uploaded my son 's bank statement showing the matching charges. 

XXXX. As of XX/XX/XXXX, despite these efforts, Bank of America has not resolved the dispute or provided the requested credit. 

Actions Taken XXXX. Mistakenly disputed the charges with Bank of America when I believed them to be fraudulent. 
XXXX. Ensured direct payment was made to XXXX to prevent account closure. 
XXXX. Filed a formal billing dispute claim with Bank of America, providing evidence of the direct payment to XXXX. 
Claim IDs : XXXX XXXX XXXX XXXX XXXX. Made multiple follow-up calls to Bank of America to check on the status of the dispute.

5. Maintained detailed records of all communications with Bank of America, including dates and times of calls. 
XXXX. Submitted this dispute to the CFPB after Bank of America failed to resolve the issue in a timely manner.
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 Account # XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # 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 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 am filing this complaint to TRANSWORLD SYSTEM INC for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX  for your reference and as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing and calling XXXX XXXX XXXX since XX/XX/XXXX to investigate late payments I noticed on my credit reports. I have always paid on-time and as agreed with no problems. So the late payments on my credit reports were new to me when I discovered them earlier this year. First I contacted the companies directly numerous times via telephone and written requests as they implied. They were being very difficult about investigating this from their responses, so I contacted the credit bureaus ( XXXX, Transunion & XXXX ) to investigate the late payments for me. In return these companies never responded to my request. 

XXXX XXXX XXXX  are reporting late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, filed an dispute a month ago on the Inquiries : Item # XXXX XXXX XXXXXXXX XXXX Item # XXXX XXXX XXXX XXXX XXXX there has been no changes made and by law after 30 days, the reason for deletions must be made, and according to my repairs my credit has inaccurate information on my credit report these inquiries has to go as I have FCRA right to dispute.
Product: Debt collection

I received a " pre-legal '' notification in the mail from Midland Credit Management attempting to collect a debt dated XX/XX/2019. This letter advised that I needed to provide a response by XX/XX/2019. 

My concern is that I am being threatening with forwarding my account to an attorney but I don't have any idea who Midland Credit Management is. I've never applied for an account with this company, they have never extended credit to me and I've never agreed to do business with this company. 

This is the first correspondence that I have EVER received from them. Their documentation doesn't tell me anything about how they obtained my personal information or why they are contacting me.

After googling the company it appears that they are a debt collector but the documentation that they have sent to me doesn't indicate that they are attempting to collect a debt nor did they advise my right to dispute or request validation of the debt. They stated that they've sent a previous letter to me but I have NO RECORD of ever receiving anything from them.

I would like to file a complaint against this company for violation of the Fair Debt Collection Practices Act. If this company is reporting any derogoratory information on my credit report I would like it immediately removed.
Product: Credit card or prepaid card

I have a credit card ( last four digits XXXX ) with Bank of America ( BOA ). 
In XXXX, my credit card account balance was {$460.00}. On XX/XX/XXXX, I paid the balance through a BOA agent over the phone. However, the account didn't reflect the payment, and it still showed a balance of {$460.00}. ( This was probably due to a delay in their system ) So when I saw the balance, I made a duplicate payment for the same amount on XX/XX/XXXX for {$460.00}. It slipped my mind that I had already made that payment. 

Realizing the mistake, I called BOA in XXXX and asked them for a refund for the extra {$460.00}. A BOA customer service agent acknowledged the mistake and assured me of a refund for {$460.00} via check. However, on XX/XX/XXXX, I received a letter denying the refund, stating that it was too late to adjust the error. I called BOA asking about the matter, and they refused to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Ive tried multiple times to have all 3 reporting credit bureaus remove 3 disputes, 2 on active credit cards placed incorrectly 3 years ago and 1 on my XXXX XXXX XXXX XXXX car loan. I did not dispute my XXXX XXXX  MasterCard accounts nor XXXX XXXX XXXX XXXX and have asked that this language be removed from these accounts. These credit card accounts and my car loan are in good standing and always have been but are being reported as negative as a result of this. 
Additionally, there is a {$91.00} collection from a company called XXXX XXXX  this account does not belong to me I have no contract with this company and have no idea who they are I have asked that this information be removed from my report to no avail.
Product: Credit reporting or other personal consumer reports

I hereby notify you that the information reported in my credit report contains errors. Pursuant to the Fair Credit Reporting Act ( FCRA ) section 611, I request that you initiate an investigation into the following entries that I believe to be inaccurate. 
My name correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Experian, XXXX ) You ( XXXX XXXX ... Account numberXXXX XXXX have furnished this account as a charge off/collection you are in violation of the Fair Credit Reporting Act 15 USC 1681. 
( XXXX, Experian, XXXX ) I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft, and I did not make the charge. I report the theft of my identity to the federal trade comisin and I also have enclosed copies of the XXXX tray commission identity, theft, affidavit " please delete the items a soon as possible '' ( XXXX, Experian, XXXX ). 

Pursuant to the Fair Credit Reporting Act ( FCRA, 15 U.S.C 1681 ), I hereby formally request the removal of certain unauthorized credit inquiries that have appeared on my credit report. After careful review, I have identified that the following inquiries were made without my express consent or in error : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of XXXX XXXX XXXX  XXXX Date of XXXX XXXX XXXX Date of XXXX Under the Consumer Protection Act, specifically Title XV of the Dodd-Frank Act, I have the right to receive proper notifications about any outstanding obligations and a clear justification for late payments. To date, I have not received any communication explaining this failure. I request a review of this matter and regularization of payment, as failure to meet these obligations affects my rights as a consumer and may be subject to legal action under CFPB regulation. 
Under 15USC 1666b this late payment, entry is a violation. I have incorrectly billed XXXX XXXX account XXXX ( XXXX, Experian XXXX XXXX )
Product: Credit reporting or other personal consumer reports

Self Financial is reporting inaccurate pass-due payments. For XXXX the Self account is showing XXXX pass due for XX/XX/XXXX but showing current on XXXX and XXXX. Also they are reporting 30 day pass due on XX/XX/XXXX and XX/XX/XXXX in all three credit bureaus.
Product: Debt collection

The year XXXX I was not working and could not pay my credit cards bills on time. I contacted the credit card companies to assist me with making small payment plan for each month until I could pay the correct amount due. I fell short and could not pay and had to worry about keeping a roof over my head and keeping food in my home. I couldn't pay my XXXX credit card bill any longer. The target customer service reps could not assist me no longer so I failed to pay. My account went into collections and now on credit report. The office of Weltman , Weinberg & Reis Co., LPA located in XXXX sent me lawsuit papers via mail as a scare tactic for me to pay. XX/XX/XXXX an individual from his firm came to my home to serve me papers. The gentlemen was requesting who I was as well. As I googled this " law firm '' this company uses these lawsuits as a predatory scare tactic for people to pay a debt that they purchased from the creditor in order to get their money back. Please go read the reviews for yourself to read about the people that work for this law firm. No one should be coming to my home or anyone else home for a debt collection.
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks XXXXXXXX XXXX  XXXX ( XXXX XXXX XXXX XXXXXXXX ) - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX
Product: Debt collection

On XX/XX/2024, I received an alert that showed there was a collection account added to my credit report. JEFFERSON CAPITAL SYSTEM added collection to my credit reports without my knowledge! I checked & can't verify their registration in Louisiana! BOTH are FDCPA violations! Jefferson Capital put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the LA Secretary of State that they are registered in Louisiana which is also against the FDCPA! I request that Jefferson Capitol verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Jefferson Capital Systems is unable to provide the above identifying account information, this account must be deleted from all CRAs. Jefferson Capital Systems also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.
Product: Student loan

I submitted a request to FirstMark Student Loans to complete a form for my employer to verify how much I have paid on my loan for the past year for reimbursement purposes. It has been over 30 days and despite multiple assurances it has been expedited, I still have not received the completed form.
Product: Credit reporting

I submitted on line XXXX credit application now i have over XXXX on my credit i did not gave permition, to run my credit alos i am living or has lived at an address in XXXX XXXX which is where my ex wife lives also XXXX never lived there.
Product: Mortgage

There is an inaccurate entry on my mortgage statement. I have tried to call but they won't answer any questions about it. They put me on hold, or disconnect the line. Now they simply don't call back. I can not speak to anyone. There is no communication, no follow-up, no accountability. I need to be able to ask a question about my mortgage and they won ; t speak to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by Life Lock of fraudulent inquiries reporting on my credit file, inquires I did not occur, inquires I have no knowledge of and Im demanding that they be removed. 

1 ) XXXX  XXXX ( XXXX ) 2 ) XXXX XXXX XXXX ( XXXX ) 3 ) XXXX XXXX XXXX XXXX XXXX ) 4 ) XXXX XXXX XXXX XXXX ( XXXX ) 5 ) XXXX XXXX  XXXX XXXX ) XXXX ) XXXX XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

BRIDGECREST IS WILLFULLY NON-COMPLIANT AND IN VIOLATION WITH FEDERAL LAWS CONCERNING THE FAIR CREDIT REPORTING ACT CREATING DEFAMATION, NEGLIGENCE, AND INTENTIONAL INFLICTION OF EMOTIONAL DISTRESS. 15 U.S. Code 1666B : The law clearly states that a creditor may not treat any payment on an account under an open-end consumer credit plan as LATE for any purpose, unless they send the information in section 1637B.

THE INFORMATION IN SECTION 1637B MUST BE MAILED 21 DAYS BEFORE THE PAYMENT DUE DATE.

I HAVE REQUESTED PROOF THAT THE INFORMATION LISTED IN SECTION 1637B WAS MAILED 21 DAYS BEFORE THE DUE DATE.

Bridgecrest has refused to abide by these federal laws. This is willful failure to comply with the law and this makes Bridgecrest criminally liable for actual, statutory, and punitive damages due to my rights being violated under FCRA.

15 U.S. Code 6802- Obligations with respect to disclosures of personal information.

Transactions are payment histories. This law protects my rights from any non-affiliated 3rd party company. Bridgecrest is willfully and illegally sharing my nonpublic and personal information with XXXX, XXXX, and XXXX which are all non-affiliated 3rd party companies. Nonpublic information means personal identifiable information.