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

In accordance with the Fair Credit Report XXXX XXXX XXXX XXXX act # 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.

I did not create any action to overdraw my account... that was created by the issuer for finance charges and fees. If I went over my limit on my own accord the charge would be declined. Since the bank does it then it is accepted and I'm penalized..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Close : XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Charge Off : XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} Collection : ( Original Creditor : XXXX XXXX ) XXXX {$0.00}
Product: Debt collection

XXXX XXXX Keeps selling a bad debt to several collectors after constantly being disputed and deleted from my credit report. First it was XXXX  XXXX XXXX which I disputed then CBE which I disputed and was deleted and now they sold it to XXXX XXXX XXXX. After multiple attempts and constant proof its not my account I will like it to be permanently deleted.
Product: Debt collection

I received a text message and a letter delivered by USPS from Frost-Arnett stating they are collecting a medical related-debt. The letter indicates XXXX XXXX turned me over to collections for {$1700.00} I do not owe anything to them. 
I went back to bills from last year. I owed them {$110.00} which was paid in full on XXXX. I called them at XXXX, someone said her name was XXXX and she has my PII and HIPAA related information and pulled up my account and validated it was paid in full. Then she said, there is an amount owed here but it is not owed by you. Then she put me on hold. When she came back after XXXX minutes she said they no longer have the contract to handle billing for this account and that she can not help me. I asked for a Manager, she refused to put anyone on the phone. I asked why they have my protected information if they do not handle this account any longer. I asked why they were going to take money from me if they no longer handle this account. I asked who does handle the account. I asked for a Manager again. She said she can not do that and hung up on me. The bill shows their location as XXXX XXXX XXXX, XXXX, PA XXXX. I found a denied claim from XXXX XXXX stating " Provider timely filing has been exceeded per the Host plan. The member is not responsible for this amount. ''
Product: Credit card or prepaid card

Fortiva is holding me accountable, for an account that was paid off in XX/XX/XXXX, and for the lost card reported in XX/XX/XXXX. Fraud was reported in XX/XX/XXXX, and charges were disputed. Fortiva is holding me accountable for late payments on a card, for XXXX, XXXX, and XXXX XXXX for a card reported lost in XX/XX/XXXX and not in my possession. This is being reported to XXXX XXXX, XXXX, and XXXX by Fortiva. 

I have requested, Fortiva in writing 6x ( six times ) to correct and remove the late payment reporting on the lost card. As of this month, XX/XX/XXXX. Nothing has been communicated nor resolved.
Product: Credit reporting

XXXX XXXX, 2015 credit report indicated XXXX medical collections, XXXX for {$1700.00} and XXXX for {$410.00}. XXXX XXXX credit report shows a removal of the {$410.00} collection and the addition of a {$770.00} collection placed by the same company as the original {$410.00} collection. No changes in XXXX XXXX report. XXXX XXXX report shows the addition of XXXX new medical collections each for {$410.00} from a new collection company. The XXXX new collections appear identical. My concern is why there has been any changes to the collection record since the XXXX XXXX, 2015 credit report. At minimum XXXX of the {$410.00} collections is a duplicate and the {$770.00} collection should not exist. The only collection whose validity is undisputed is the {$1700.00}. I am unaware why the others are there and trans union is the only reporting agency that shows any collections besides the {$1700.00}. Please help.
Product: Debt collection

The company starting around XX/XX/year> started reporting to the credit bureau that I owed them monies for a collections account that I have no knowledge of. Around XX/XX/year> I sent a request to said company to send me a signed contract that I had between myself and them to prove that I owed said funds including my pen and ink signature binding me to alleged debt. After 30 days I received no response from company. I then sent a cease and desist order for them to stop reporting an invalid debt on my consumer reports that has not been proven that belong to me. In XX/XX/year> I then sent a letter stating that according to the FCRA Section 605B. It is illegal to report information to my credit report with out my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I sent a Method of verification request to transunion by certified mail for inaccurate bankruptcy information on my credit report. I've received no response within the 15 business day grace period.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, AFNI added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, AFNI has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit card

Paid off account balance in full on XX/XX/year>. Checked account after it was paid off showed XXXX balance. I check back 2 months later the account is showing a balance of {$4.00} and interest in accuring it is also being reported to my credit report as a late payment and interest is being charged on this amount. I have not received any statements since paying it off. Have been unable to speak with a rep for the company.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, all the purported creditors have violated my rights. Under 15 USC, 1681, Section 602 insures my right to privacy.

Under 15 USC, 1681, Section 604A, subsection 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC, 1666 B, a creditor my not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

I demand all of these unauthorized reportings to be removed from my credit record immediately. 

Sincerely, XXXX XXXX XXXX, XXXX. BENEFICIARY
Product: Student loan

During the XXXX XXXX of 2022 I was evicted from my home, I tried my best to keep up with coursework after that, but at the time I lived in my vehicle. When I XXXX XXXX XXXX in school I learned that I have a hold on my account thats stops registration due to " XXXX XXXX returned ''. Instead of having to pay the school, the debt was sent to the office of debt releif. I tried to set up a payment plan for {$200.00} per month but that would take me 2 years to repay when I can be in school. I assked if the hold can be romoved while I pay and they said no.
Product: Bank account or service

On XX/XX/2017 I letting my bank know that I travel to XXXX and I will used my Debit/ATM and my Visa Platinum and they conform that ok however after using my debit card 3 time my bank stop my card for two week to the time I can used it I call them they ask me to fax my info the picture of my driving id and my card and my ticket I did that but they want me to sand one more time bcuz I my signature was on all the XXXX paper I fax I fax one more time they ask me I did XXXX XXXX time and never have my card on to work I have to ask people for money I ask to my brother the family of my wife I need the money for my wedding on XX/XX/XXXX in XXXX but I cant get no money that time I have to ask my wife family to take the bus so they give me money I have to ask for money to call and the bank people was hard to talk to same of them they not nice to help you after 15 days they have my card work I call in XXXX and I have to pay {$28.00} for my XXXX {$40.00} money to fax {$100.00} money to go to the city 4 time to fax my paper its was the time I am on my honeymoon but I have to go to look for office to fax them all the time I have money in my bank but I cant take any and I cant go where I want to go with my wife my time was so sad and bad its hard to have place to used Visa only Cash my wife give her necklace to same one to get same money to get to XXXX {$500.00} then we pay after two weeks {$520.00} but its not the money its in the same day we have the wedding she have to do that to get the Cash we need its the sad thing about it people who work there they not nice to talk to I do n't know its my name are they have bad day
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 reported in those account to be removed.

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. 


XXXX XXXX XXXX  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 requested in good faith pursuant rule 1002 and It was never provided. 

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

Delete the late payments from my consumer reports
Product: Debt collection

I just received a paper about a judgement in the mail, I did not get a court notice but when I looked online this card is over XXXX years old, its almost XXXX years old so I should have never even been taken to court cause its illegal in the state of PA to sue somebody over a debt thats XXXX years old. Also, this credit card which would be XXXX or XXXX was never even used by me. Also, I get a paper in the mail every few days, it needs to stop.
Product: Credit reporting

I have sent information pertaining to XXXX XXXX being removed from my credit report because it was included in my bankruptcy. I sent this information to all XXXX credit reporting agencies. XXXX and XXXX have sense removed it. Equifax on the other hand has not. I have sent Equifax the information 3 times and it has now been a year maybe a little over. The account has been sent to a collections agency called XXXX. I talked to them and they said they will not remove it out of collections because judgement was before I filed bankruptcy. XXXX XXXX received bankruptcy and forwarded it to XXXX XXXX and they still will not take it off my credit report. Now they are saying that I owe more money because I never paid. Why would I pay when it is part of my bankruptcy. 
Why is it that XXXX credit reporting agencies have removed it yet Equifax refuses to do the same?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting with transunion for a while because they continue to keep removing my XXXX XXXX XXXX XXXX Account a good standing account that is XXXX XXXX XXXX, which is also my oldest account on my credit report, for no apparent reason!! This is so very frustrating and i dont understand why they are being aloud to constantly do this. They remove and i file a complaint and then they reinsert it!! Why must a consumer continue to go thru continuous problems with this company. The language barrier is already frustrating within it self and then i have to deal with them deleting my accurate information. PLEASE reinsert. I even have a letter from transunion telling me the account was reinserted and will stay.
Product: Credit reporting

Chase is showing XXXX accounts on my credit report without sufficient information. I have requested them to fully validate my accounts XXXX times ( with certified mailing receipts ), but they have failed to do so. I have also been in contact with the XXXX credit bureaus in order to get these accounts removed, with no such success.
Product: Checking or savings account

please also add this to my complaint XXXX CFPB Today I want to my my bank today located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX United States XXXX XXXX ) XXXX and the supervisor have help me to get my account online bank access unlocked and they did that but they never give me access to XXXX that what I requested to get access back to XXXX it say as youve requested we removed your access to XXXX but I never request it to be removed and if you have any questions we available XXXX at XXXX but I call them they cant give me access back without me going into a bank but I already did I want yall to give me access to XXXX again please.please contact me at XXXX and contact me at XXXX my online bank username is XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Inquiries : XXXX XX/XX/year> : XXXX  XXXX XX/XX/year> : XXXX XXXX XX/XX/year> :
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX does not have my credit history. Three years ago when I first started getting ready to look into mortgages, the underwriter told me there was no score being reported by XXXX. After trying multiple numbers to reach a human to speak to, I was told to fax them proof of identity. I sent them my drivers license and pay stub with SSN as advised. After doing so, I eventually received the attached letter ( XX/XX/XXXX ). Not only did they continue to insist I do not have a credit history, as well as ask me to send the same documents I already sent them, but also stated my previous request was enclosed and needed to be sent back to them. Nothing was enclosed with this letter. 

I am now having the same problem currently trying to get my credit report from XXXX. Upon calling them this time XXXX XXXX ), I was told they still have no record of me and to contact my lenders. At this point, I only have two active accounts for credit cards ; XXXX and Elan Financial. After reaching out to XXXX, I was met with an employee who simply copied and pasted his script to me and did not interpret or explain my options or why I would pick one over the other. I did end up sending a dispute to this company, with a notice that it could take a month for a resolution, which is quite awhile when trying to buy a house in this market. I then reached out to Elan Financial card member services ( XX/XX/XXXXXXXX  ), and was told to call XXXX because it's a problem on their end. After I told the representative that I had already done so, she checked to make sure there were no errors in my account info, which there weren't. She said I could fax or mail in a dispute and gave me the address, but I currently have no means of faxing anything. I was unsure of the address I wrote down being accurate, so I searched online to verify, and nothing comes up. I can not find any online presence for disputing with card member services, and messaging them through my account has yet to result in any communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  was notified that there were duplicate and unauthorized inquiries on my credit report over 2 months ago and have not done any investigating or correction of error. 

XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were all unauthorized XXXX XXXX- are duplicate inquiries both dated XX/XX/2020 XXXX  XXXX are also duplicate inquires As a result, I was recently denied credit due to the number of inquiries on my credit report. 

XXXX has received several documents regarding this issue and yet no resolve
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX - XX/XX/XXXX XXXX remove XXXX XXXX charge off from my account. Account number XXXX XXXXXXXX. XXXX XXXX and Experian Bureaus are continuing to report the above Account. According to the Fair Credit Reporting Act the three Bureaus must report accurate information. XXXX XXXX and Experian are in violation of 15USC1681b. This accountwas removed from XXXX as of XX/XX/XXXX - XX/XX/XXXX, it was reporting inaccurately and violating my FCRA rights as I am entitled to accounts on my credit report being accurate and verifiable. XXXX XXXX and Experian fail to remove the Information even thought they have fail to verify the account and notify in 5 days as reported from the FCRA. I am confused why XXXX XXXX and Experian are still reporting this accountand they have access to the same Information that XXXX do? Please provide me proof that this account has been properly verified or remove immediately from credit report. Please provide me with the name of the person that verified the account, when it was verified and what tactics was used to verify the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. My request for the correction and removal of the inaccurate information about my inquiries has not been given any attention by Transunion Credit Bureau. Sending them a Complaint last time and i have not received any response up to this date. Therefore, Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here are the concerned Inquiries that need to remove : XXXXDate of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX XXXX XXXX-Date of XXXX XX/XX/2021 XXXX XXXX-Date of inquiry XX/XX/2021
Product: Credit reporting or other personal consumer reports

CFPB PLEASE DO NOT SAY I HAVE SENT THIS IN BEFORE THIS IS A NEW ITEM AS THEY BALANCE AND WHAT IS DUE IS INCORRECT AND I AM HAVING TO RUN CREDIT FOR A NEW HOME LOAN AND IT STILL SHOWS IT OWING A LOT MORE THAN WHAT IS DUE.

PLEASE ASK THEM TO UPDATE THE CREDIT REPORTS FOR ALL MY CARDS INCLUDING XXXX XXXX. IF XXXX XXXX IS SO CUSTOMER FRIENDLY UPDATE THE REPORTS!!! i NEED IT NOW NOT ON THE XXXX OR LATER THANK YOU. 

CFPB PLEASE DO NOT SAY I HAVE SENT THIS IN BEFORE THIS IS A NEW ITEM AS THEY BALANCE AND WHAT IS DUE IS INCORRECT AND I AM HAVING TO RUN CREDIT FOR A NEW HOME LOAN AND IT STILL SHOWS IT OWING A LOT MORE THAN WHAT IS DUE. 

PLEASE ASK THEM TO UPDATE THE CREDIT REPORTS FOR ALL MY CARDS INCLUDING XXXX XXXX. IF XXXX XXXX IS SO CUSTOMER FRIENDLY UPDATE THE REPORTS!!! i NEED IT NOW NOT ON THE XXXX OR LATER THANK YOU.
Product: Credit reporting or other personal consumer reports

I would like to inform XXXXXXXX XXXX reporting personal information I did not authorize our did not give consent to collect or give any permission to give to anyone or business would like all information to be deleted. under 15 U.s.c. 1681s-2 ba ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.