23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX MIDLAND CREDIT MANAGEM XXXX Your company have violated FCRA 615 ( f )

( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my report Im aware that the below accounts are still on my report after I called in and sent letters to have them investigated previous. I also submitted a request online and have not gotten an update. Which is a violation of my rights. 

This is also hindering me from being able to purchase my first home. 

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


XXXX XXXX Account # : XXXXXXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Online Information SER Account # 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 instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items for information, any other adverse item of information, other than record of conviction 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 card

Good morning. I have a credit card with Capital One. My payment due date is the XXXX of every month. I made my XXXX payment on XX/XX/XXXX. I had a little extra money a couple of weeks later, so I figured I would go ahead and make my XXXX payment early ( XX/XX/XXXX ). I did all of this via their automated system. Well, now they are telling me that payment I sent did not go to my XXXX payment and I have another payment due XX/XX/XXXX. When I contacted them, they stated that they could not credit that payment to XXXX and I would need to make another payment by the XXXX or I would get hit with a {$28.00} late fee. This seems to be a nice scam for them. I paid EARLY, but they did not credit my account as such in an attempt to collect a bogus late fee. Your attention to this matter is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ONE OPEN AND ACTIVE LOAN with XXXX XXXX in XXXX IL. ALL OTHER XXXX XXXX and XXXX XXXX loans are paid in full, XXXX balance, and closed!!! I refinanced each one into the next and they close the old XXXX when you do this so AGAIN I only have ONE loan with XXXX XXXX who used to be Personal Finance but they merged!! My ONE loan with them is the only one that should say open and be active, all others should say closed, paid in full, paid as agreed, refinanced and paid in full. This ONE loan I have with Mariner Finance was most recently refinanced in XX/XX/XXXX and is in the XXXX IL location. The terms should be 12 monthly payments of {$740.00} with a current balance of {$6600.00}. Please make sure all is reported accurately and then mail me a copy of my corrected and correct credit report!!!! Equifax made a correction on one of these accounts and only sent me the one page but sent it three times to me. I want the entire credit report after you verify all these accounts are correct, mailed to me!!!! I also have a XXXX XXXX XXXX loan which I have had since XXXX and it was being reported every single month on every report, then all of the sudden last month was not showing on any of them. I contacted XXXX XXXX Services and have filed a complaint on this as well. They said when they went to do their update XXXX loans got wiped out of the system, so they had to resubmit the update after correcting the computer issue and then would contact all the credit reporting agencies to add this back on to my reports. Because the people at Equifax and XXXX  DO NOT LISTEN and just ASSUME and rush that is WHY they make the errors they do and they responded they could not add information and explained the company does this, blah, blah, blah before they even knew that it was due to the companies computer issue that caused it to not be reporting one month and if they had taken the time to actually research they would have seen they have reported the account for the last three years!!! Idiots!!! DO YOUR JOBS!!!! I would fire people like this they have no intelligence and are lazy!!! Fix this account as well XXXX XXXX XXXX IS going to contact you to do so and I am telling you also because they said I might want to reach out to do the same even though they are doing so too!! This is MY personal information NOT YOURS and it had better be PERFECT and be SAFE or I will SUE YOU for all the money you have!!!!! Again, these businesses should be fined for every single error on every report, that is fair and right. They are intentionally breaking the FCRA laws!!!! CORRECT MY REPORTS AND MAIL ME AND THE CFPB COPIES OF ALL AND I DO NOT WANT THESE COMPLAINTS TO ANY OF THE THREE CREDIT REPORTING AGENCIES OR TO XXXX XXXX OR THE XXXX XXXX  CLOSED UNTIL ALL IS CORRECT AND I HAVE CORRECT COPIES OF ALL THREE REPORTS IN MY HAND THROUGH THE MAIL!!! I have also contacted XXXX XXXX to let him know of all the issues I am having so he can do something about it too!!!
Product: Mortgage

Upon receiving statements and other correspondence in the mail I contacted my mortgage lender and requested that they immediately stop all mail. I explained that I do not want to receive anything in the mail and that if they must reach out to me or contact me they are welcome to do so by phone or email. They 've refused to honor my request due to what they 've stated is a legal requirement under Regulation Z, Section XXXX They stated that because they do not have a system for sending out statements electronically ( mind you they 've explained this by email ) that they can not fulfill my request. I responded by waiving their obligation to send me statements altogether and I told them that if they can not send statements to me electronically then not to send them at all. I explained that I simply do not want any further mail from them and that it is my right to privacy to place such a request. They however responded that regulations do not allow them to stop mail and they have since continued sending statements to me in the mail despite my numerous requests to stop.
Product: Credit reporting or other personal consumer reports

I am writing to update/correct my personal information on file with your company. 

Please update my address to : YOUR name : XXXX XXXX Address : XXXX XXXX XXXX City : XXXX State : Illinois ZipXXXX Phone : XXXX Please remove all the other addresses off my report that are highlighted, as they are not deliverable to me by the U.S. post office , and they are not reportable as per the FCRA, since they are inaccurate. 

My name is XXXX XXXX Please remove any other aliases. 
Please remove all phone numbers. They do not belong to me.
Product: Credit reporting or other personal consumer reports

This is my final goodwill attempt to clear this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Any automated response, documents without my signature for the debt be liable to me or XXXX verification is unacceptable. I am requesting a reinvestigation AND your VALID method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). Which means You must remove this inaccurate account. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re- investigation. if it is not provided then the account must legally be REMOVED according to the FCRA 611 ( 1 ) ( B ).

i really don't want to escalate this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted AES numerous times regarding my past student loans ( 2 ) that still show an open status. These loans continue to show on my credit report as open and past due, which is incorrect because they no longer hold the loan. Fed Loan explained that the AES account would be closed as paid since Fed Loan bought the loan from them. My AES account was established in XX/XX/XXXX, defaulted XX/XX/XXXX and the entire balance of the loans was transferred and paid by Fed Loan XX/XX/XXXX. My Fed Loan account is open and in good standings with on-time payments. The AES late payment/open status information should be removed immediately. Any assistance in getting theses charges and incorrect information removed from my credit would be greatly appreciated. Thanks! Have a Great Day! XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to file a complaint regarding the reporting of child support payments on my credit report. ( XXXX XXXX XXXX XXXXXXXX ) I believe that the information reported is either inaccurate or unfairly affecting my credit standing. I have discovered that my credit report contains a negative entry related to child support obligations, which is significantly affecting my credit score. The child support information being reported does not accurately reflect my payment history, the terms of my child support agreement, or the actual amount owed. I have attempted to resolve this issue directly with the credit reporting agency or the relevant party, but the issue has not been corrected. As a result of this inaccurate reporting, my credit score has been negatively impacted, and I am facing difficulties obtaining credit or loans due to this entry. This is causing undue financial hardship and distress. I respectfully request that the CFPB assist in investigating this matter and help ensure that the correct and fair information is reflected on my credit report.
Product: Credit card

In XXXX I ordered some sandals from Bloomingdales online. In the next few days I did not receive a confirmation of my purchase so I assumed the order did not go through for some reason. I NEVER received the shoes. As I pay this CC bill online and had not ordered or bought any other item recently I assumed I had no balance on my card, so did not even look up the monthly statement. I was surprised when I started seeing emails and getting collection calls about my account. Four times I called Bloomingdales and spend a lot of time on hold about this issue. They first said I did not call in time-within 30 days-but would delete the charge. As the weeks went by I was still getting collection calls and emails, so I called 3 more times and each time they said they were investigating the matter and the last time they said they would not delete the charge.

When I order from most other vendors, I most always get a 1. Confirmation of the order. 2. Notice that the items have shipped ; and 3. Notice that the item has been delivered. Bloomingdales did not notify me in anyway about the purchase and was surprised to have them tell me it was delivered by XXXX. Rarely see strangers around my home, ( a townhouse ) and whatever else I have ordered, I have always received it. I have had the CC for 35 years or more and never had an issue. My credit has been damaged and feel this is not a proper resolution. Please assist me. Thank you, XXXX
Product: Credit reporting or other personal consumer reports

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 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 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.

Despite Serval Attempts, Credit Reporting Agency Failed To Show Validation of debt And Failed To Send Dispute result Via USPS MAIL HAS REQUESTED, and keeps saying the account is verified with no documentation to back that claim up I demand this inaccurate account be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine RESIDENT VERIFY Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Apartment complex XXXX XXXX XXXX XXXX  XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Resident type Single family XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX TEXAS, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA violations : payments never late XXXX XXXX BANK XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid , Closed. 

FCRA violations : accounts not mine XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$840.00} Status Collection account. {$840.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$730.00} Status Account charged off. {$730.00} written off. {$730.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Account charged off. {$1300.00} written off. {$1300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$10000.00} written
Product: Checking or savings account

I have requested answers multiple times why my XXXX XXXX savings account earns 8 times less interest than my checking account. NO ONE can give the answer. They switched my accounts about 6 months ago. I keep a high balance to prevent fees yet I am being penalized with a so called XXXX XXXX  savings account that pays little in interest. I am being ripped off. I moved most of my money to checking to earn better interest but that puts that money at high risk which is terrible. I want something done, this is deceptive and should be illegal if its not already. I have been with Wellsfargo for 23 years and they have ripped me off. I just cant believe it. I am livid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was hospitalized XX/XX/XXXX at XXXX XXXX XXXX XXXX. At that time, I showed my insurance card to administration. On XX/XX/XXXX, when I checked my credit record, it showed my late payment went to collection agency. However, that amount of {$2900.00} is supposed to go to insurance company, not to me. I called to the hospital asked what happened. 
They explained me that my insurance company denied to pay that amount. It is strange enough because I already checked with Insurance company about this problem. 
I double checked with hospital all the information, then we found the hospital sent my bill to the different company. So I thought problem is over, but actually it continues. 

The collection agency doesn't report to the credit reporting company such as XXXX  about problem solved and they need to lift off their claim more than months until XX/XX/XXXX. So I complained them to repair my credit information. They did, but they repaired only 2 companies not for XXXX. I called to XXXX to dispute the claim XX/XX/XXXX, but they denied to dispute because Hospital or Physician are not to lift off the billing yet. I checked the hospital but they were okay, then They explained me that the amount is sent by Physician butThe company name XXXX XXXX XXXX which the physician belonged is not able to contact because all the information is incorrect. Even Hospital doesn't have information. The collection agency named XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, CO XXXX ( XXXX ) XXXX. Account # XXXX They never work for me to repair. They ALWAYS say We will repair your problem!, but never ever do. 

Since problem started since XX/XX/XXXX, It is already 2 years. I have no idea what I need to do. Please help. 

Thank you
Product: Credit card

On XXXX XXXX, XXXX, XXXX billed me {$48.00} and {$42.00} on my XXXX Capital One credit card for merchandise I never received. Capital One showed a merchant credit on XXXX XXXX, XXXX. 
Capital One shows a credit to me on XXXX XXXX, XXXX Capital One has rebilled me TWICE on XXXX XXXX, XXXX and XXXX XXXX, XXXX. 
This means that Capital One has billed me for money the merchant owed me. 
I spent 2 hours on the phone on Sunday XXXX XXXX, explaining that Capital One credited me once and debited me twice, so that Capital One collects {$48.00} and {$42.00} from me, wiping out the XXXX credit. 
I still pay for {$48.00} and {$42.00} for merchandise I never received. 
Capital One refuses to acknowledge that the merchant owed me the credit and they should not have debited me twice.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the consumer reporting agencies listed below along with the accounts listed below has violated my federally protected consumer rights to privacy and confidentiality. 
Consumer Reporting Agencies : XXXX, XXXX and TransUnion 1st : Account Name : XXXX XXXX XXXX  Account number : XXXX XXXX : Account Name : XXXX XXXX  XXXX  Account number : XXXX XXXX : Account Name : XXXX XXXX  Account number : XXXX XXXX : Account Name : XXXX XXXX  Account number : XXXX XXXX : Account Name : XXXX XXXX XXXX XXXX  Account number : XXXX This account has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my consumer report from all consumer reporting agencies.

These violations of my rights has seriously hurt my personal and professional life in getting approved for loan offers, credit card offers, and a mortgage for my home. 

Attached are copies of their violation of my rights : Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Elan Financial approximately 1 month ago asking why they still had not reported my credit card account as being closed. The agents both told me that I needed to write a letter to their Collections department somewhere outside of their company headquarters, because supposedly the two departments have nothing to do with each other. That explanation makes absolutely no sense whatsoever-if Elan 's regular customer service department has access to our account info, then that means they have the ability to communicate with their Collections department on their own. It is not the customer 's responsibility to fix his or her credit report. They obviously reported my account as late-they can go ahead and report the closure as well. They are the party who closed my account-NOT ME! By Elan refusing to report my account as closed, they are able to continue adding interest charges and late fees onto my account!
Product: Credit reporting

I received my credit score for free, but agreed to pay {$1.00} to receive the physical report. 
About a week later I was charged {$17.00} and contacted my bank to dispute it only to find out that I had been charged a monthly recurring charge of {$17.00}. I was able to dispute it through my bank, however, it has caused me to cancel my debit card, order a new one, and change all of my direct deposits, automated bill pays, etc.
Product: Vehicle loan or lease

Westlake financial has been issues with there online system for months at least for me now I'm behind trying to pay them cash at a XXXX XXXX store which costs me XXXX at a time. I try paying online dont work. Then they charge fees which I want cleared already complained XXXX and attorney generals office. I pay cash at small amount to make sure it clears at system. But to pay online it dont work. I've heard bad stuff about this company
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor XXXX  ACCOUNT # XXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment a credit card account under an open end consumer credit plan as late for any purpose Please Supply Me With Information That Was Used To Verify The Item ( S ) Or Delete The Late Payments