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

" Experian Information Services , Inc are furnishers of information have constantly and relentlessly been reporting false, unverified, invalid and inaccurate information on my consumer report [ see attachment ], which has severely defamed my name, reputation, general character. 

15 U.S.C. 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information.

( 1 ) Prohibition ( a ) Reporting information with actual knowledge of errors 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.

( b ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

duty : noun - a moral or legal obligation ; a responsibility accurate : adj. ( of information, measurements, statistics, etc ) correct in all details ; exact. 

prohibition : noun - the action of forbidding something, especially by law. 
XXXX. A law or regulation forbidding something 15 U.S.C. 1681e Compliance and procedures ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the information concerning the individual about who the report relates too. 

The collection, assembly, evaluation, dissemination, and use of vast quantities of often highly sensitive personal and financial information about consumers poses significant risk to consumer privacy. 
[ a ] major purpose of the [ FCRA ] is the privacy of consumer data. 
The FCRA regulates consumer reporting. Congress enacted the statute to ensure fair and accurate credit reporting, promote efficiency in the banking system, and protect consumer privacy.

15 U.S.C. 1681e Compliance and procedures ( XXXX ) Procurement of Consumer Report for Resale ( XXXX ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( B ) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information )
Product: Debt collection

After reviewing my credit report I found a collections entry from Stellar Recovery Inc. in the amount of {$340.00}. I have made multiple attempts to contact Stellar Recovery to seek verification for the amount and to settle the debt. I have completed their webform requesting information, and I have tried calling their posted telephone number. The webform submission has not yielded a response and the phone number is directed to an extension with a mailbox that will not accept messages. Stellar Recovery has continued to report to 3rd party credit bureaus that the account is in collections, but have made it impossible to settle the debt. This tactic has a detrimental impact on my credit score and must be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX This company has my personal information an I did not give this company consent to keep my personal information in their system. This is a formal notification to this company that I do not give permission for this company to have my personal information. I am giving notice to this company that they must immediately delete my personal information from their files. Also please be aware that holding or freezing my account does not update my credit report/file. I have requested that all my personal information be deleted from this company database/file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was closed and opened again on my credit report 5 months later without on consnet. Account was also closed XX/XX/2021 and removed from my report, The account should not have been added back on my report without my written consent. 

In accordance with the Fair Credit Reporting act 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I disputed an account with Trans union that is owned by a debt buyer. The services were for a XXXX  XXXX XXXX. The office incorrectly billed me for services performed on my XXXX XXXX XXXX son. I've requested it be XXXX multiple times to no avail. Also this is reporting as an installment account with late payments. It is from a dental office there was no installment agreement payments due etc. Trans union is not getting accurate data
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint with Consumer Financial Protection Bureau and received the EXACT same response that I had received from the TransUnion Dispute enclosed in my complaint filed with the CFPB.     I did not give written authorization. Nor did I have a '' permissible purpose '' as deemed by TransUnion explanation of Inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : 2018 Bankruptcy Case # : XXXX I am writing to dispute the following bankruptcy information in my file. Please remove my 2018 discharged bankruptcy information from my credit report. This is a direct violation of 15 usc 1681 ( a ) ( 4 ) Infringed upon a consumers right to privacy, and 15 usc 1681b ( a ) ( 2 ) - In accordance with the written instructions of the consumer to whom it relates. Please delete now.
Product: Mortgage

Select Portfolio Servicing has violated the Fair Review Process requiring servicers to review and respond to a request for modification within 30 days. Originally I submitted a compliant because Select Portfolio Servicing moved forward with foreclosure procedures after receiving a full file submission XX/XX/XXXX. The day after filing their response to the CFPB compliant I was decline a modification on or about XX/XX/XXXX. XX/XX/XXXX Select Portfolio Servicing decided to review my case again for possible modification and requested updated documentation, which was sent on XX/XX/XXXX via email, which they never responded to confirm receipt of documents, which is required. At that time I was told that now I qualified to be reviewed for HAMP and that 's why they were requesting additional documentation. On or about XX/XX/XXXX I called and confirmed the documents were received and submitted to underwriting for review. On XX/XX/XXXX, I called to check the status of the review and if my foreclosure sale scheduled for XX/XX/XXXX was postponed. I was told that they would not make that decision until XX/XX/XXXX. I then called on XX/XX/XXXX and the sale was still not postponed. When I followed up on XX/XX/XXXX I was told that the sale had been postponed to XX/XX/XXXX. On XX/XX/XXXX I called to follow up on the status of my review and was told my request for modification was declined on XX/XX/XXXX and a decline letter was sent out on that day. It took Select Portfolio Servicing 40 days for them to review my request and I had to contact them to find out I was declined. Since I filed my first CFPB compliant the phone calls from my relationship manager ceased. 
For the XX/XX/XXXX decline I was told it was because I did n't meet the NPV guidelines. For the second decline I was told because I declined a HAMP modification in XX/XX/XXXX. However, upon review of the HAMP guidelines, I still meet eligibility to be reviewed again for HAMP. I did not default on the HAMP Trail by completing all three required payments and HAMP mod was not completed. There is not rule against declining the modification, which would have raised my monthly payment and set my interest rate higher than my current rate after 5 years. 
Select Portfolio Servicing has continued to lie to me, provide false and conflicting information and violated CFPB rules in regards to borrowers who are facing foreclosure. Due to this I am looking at filing a Chapter XXXX bankruptcy to save my house.
Product: Credit reporting or other personal consumer reports

XXXX INCORRECT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS ACCOUNTS NEEDS TO BE VALIDATED XXXX XXXX XXXX ACCOUNT NUMBERXXXX XXXX XXXX XXXX ACCOUNT  NUMBER:XXXX XXXX XXXXXXXX XXXX ACCOUNT NUMBER ; 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 INCORRECT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WRONG MVM REST XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT NEEDS TO BE VAILED XXXX XXXX ACCOUNT NUMBER:XXXX XXXX XXXX ACCOUNT NUMBER:XXXX  XXXX  XXXX ACCOUNT NUNBER:XXXX
Product: Checking or savings account

On XX/XX/2019, I submitted a travel notification with Suntrust for my debit card. I was informed that my debit card would be charged {$5.00} for ATM withdrawals. I proceeded to also use my debit card for most payments while abroad. I made a purchase of XXXX USD and the charge on my card was XXXX USD. I thought my hostel overcharged me, but they showed me that they charged the right amount. I closely followed my other debit card purchases and observed that Suntrust was adding an international charge to every purchase I made abroad. I messaged and called Suntrust explaining that their charges were not transparent and I was not informed that there would be a charge for using my debit card abroad. Another student on the research trip had a similar issue with their bank ( XXXX ), and their bank refunded their international fees. Suntrust 's customer service was unsure what could be done and I was not refunded the fees after reaching out via message and phone call.
Product: Debt collection

I went to XXXX XXXX and they offered to give me a credit card through XXXX XXXX for my purchases of certain items that were not in display, I took it. XXXX never sent me my merchandise. Since they never sent me the merchandise I was under the impression I didn't have to make any payments to XXXX XXXX. Because of this I wasn't aware I had a balance with XXXX XXXX since XXXX made a mistake and sold me items that were no longer in stock. I feel that it isn't right for me to pay for something I never received. I disputed it with XXXX XXXX and XXXX XXXX & after months of back and forth they closed out my credit card with XXXX XXXX and deleted it from my credit report. I didn't want the account after this awful situation so I agreed for them to close it and remove it from my credit report. Unfortunately XXXX XXXX sold this unlawful balance to The Bureaus for {$1300.00} even though XXXX XXXX  agreed this was an error even though XXXX confirmed I never received the merchandise. Now The Bureaus are continuing to collect even though they have confirmed verbally over the phone that this account is closed and supposedly is being serviced by another collection company but it's The Bureaus that continue to report this on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached and FTC report with 2 accounts and inquiries I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a new XXXX XXXX through an XXXX dealership on XX/XX/XXXX. The vehicle was financed through XXXX XXXX XXXX at a higher interest rate than I would have preferred but due to the rebate ( {$1000.00} ), the financing had to be with them. However, the condition of the loan permitted refinancing after 90 days. On XX/XX/XXXX, I received a pre-approved loan offer from a XXXX   and rateGenius to refinance my vehicle from 5.56 % to 2.247 %. I immediately submitted a loan application to refinance the loan on the vehicle. The loan was quickly approved. I provided them with the documentation which they required to the loan process. Suddenly, there was a 1 % increase in the interest rate which was still a reduction when compared to the existing auto loan. I consented. I had to have documents notarized, insurance verification submitted, along with a checklist of additional items. Finally, I was told to submit ( 2 ) years of Federal Tax Returns. I found this to be questionable because this has never been a requirement during the 40 years in which I've purchased new vehicles. When I questioned the reasoning for requesting my tax returns, I was told it was not necessary but they wanted me to consent to yet another credit report. I objected because this would have been the 2nd obtained by them, and, added to the one originally obtained by XXXX XXXX XXXX, there would have been a total of three ( 3 ) credit reports secured by lenders within a six ( 6 ) month period. Invariably, this action would have had an adverse effect on my credit and resulted in reducing my  credit score. I then wrote to both the President and CEO of XXXX and to rateGenius to express my displeasure with their lending policy. Following my correspondence to XXXX, I was sent a letter from rateGenius stating that they were unable to find a lender that could provide a lower rate and therefore my loan request could not be granted. They went on to say, " This may not be due to your credit rating ; in fact, it may be that you already had a good interest rate and we could not find a lower rate. '' They stated that my credit score is " XXXX. '' Additionally, they list four ( 4 ) factors which adversely affected my credit score. All four ( 4 ) factors are false and a total fabrication of the truth. I have since written again to them along with XXXX to contest and appeal the rejection letter and the adverse factors which effects my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED THESE ITEMS Previously. MY current and only address is XXXX XXXX XXXX XXXX XXXX, TN XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tn XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested covid-19 assistance from my mortgage company since I am a XXXX XXXX  and was experiencing a significant reduction of hours. I am now on a 3 month unpaid leave. They were able to give me a 3 month forbearance. However, 2 days after they reported to the credit bureau I was notified that my score had decreased by over 70 points. I requested a copy of my credit report and while my payment status was reported as current, I had a negative remark of FOR indicating forbearance. This was the only change on my report. I notified my mortgage company since the Cares Act specifies there should be no negative impact to credit scores resulting from utilizing these provisions intended to help those impacted. I have not had any response from them thus far.
Product: Debt collection

I recently paid a XXXX dollars credit card debt by way of Fasfa Student loans and was unsure how the process was going.
Product: Checking or savings account

I had a checking account with Bank of America ending in XXXX. I had unauthorized transactions on a debit card in another state. I told them this. First they credited me, then they took my money back via debit. I told them to look at the camera 's in Oklahoma and they would see it was NOT me who withdrew this money. I had made a trip there and lost my debit card before this fraud happened. Bank of America put this account in the negative and then wrote it off. 
I just recently had a serious problem with my roof and my insurance company gave me money to get the roof fixed. I also needed to pay property taxes. I put the money in my saving account ending in XXXX with Bank of America today and they debited {$1800.00} out of my savings account WITHOUT MY PRIOR KNOWLEDGE. Even though the XXXX account was closed and not showing on my site, they still took this money. I called their customer service right away. The agent said I would have to wait 48 hours to find out why they did this. I told her I was NOT waiting and needed to talk to a Supervisor there. I was told that there was no Supervisor available. Then I said I would wait. Finally the agent came back on the line and said they debited the {$1800.00} out of my account and were NOT returning it. I said I have to get my property fixed and pay taxes. They said it was not their problem. I should Never had been liable for fraud on this account. I am a senior on a budget and the agent had the audacity to say, well you have money left in the bank. I said I have to get my roof repaired along with other catastrophic damage. I am sick over this. I want this resolved and I plan to never do business with this bank again. I have put that checking account into a debt consolidation program with my attorney. They can not be paid double.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXXXXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account : XXXX Account number : XXXX
Product: Credit card or prepaid card

Chase Bank has requested my credit report without my knowledge on the following days : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I've sent written requests for proof that I had applied for these, Chase has not responded to any of the letters.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I had a scam occur through XXXX from a XXXX XXXX conversation over someone whos account was hacked fro trying to buy a dinning room table I was selling. They said my XXXX was not a business account and I needed to send {$1700.00} to activate it to send large amounts of money or in my case, receive large amounts of money. I immediately reported the scam to WellsFargo who then denied it because it was not unauthorized.
Product: Credit card or prepaid card

I was recently issued a Chase Freedom XXXX Credit card through JPMorgan Chase. Within the agreement, it says that I have a right to refuse arbitration. To do so, I need to notify JPMorgan Chase within 60 days of my account opening, in writing with my name, account number, address, and personal signature. Any other method, including orally or by electronic mail, would not be accepted or effective. Due to the coronavirus pandemic, the postal delivery is simply too slow to ensure delivery of my right to refusal before the 60 day cutoff.
Product: Credit reporting or other personal consumer reports

Re : Debt Validation Request To Whom It May Concern, I am writing regarding an account, which XXXX XXXX XXXX has reported to the credit bureaus as a collection account. Under the Fair Debt Collection Practices Act ( FDCPA ) and applicable state laws, I am formally disputing the validity of this debt and requesting proof that XXXX XXXX XXXX has the legal right to collect this debt. Please provide the following documentation : 1. **Validation of the Debt** Proof that the amount of {$3600.00} is accurate and owed by me.

2. **Proof of Ownership** The purchase agreement between XXXX XXXX  and XXXX XXXX XXXX XXXX 
3. **Itemized Account Statements** Detailed records of the account, including all charges, payments, and interest applied. 
4. **Proof of Licensing** Verification that XXXX XXXX XXXX is licensed to collect debts in my state ( California ) XXXX 
This is not a refusal to pay but a request for clarification. Until the requested documents are provided, I request that no negative information about this debt be reported to credit bureaus, as this would constitute a violation of the FDCPA. 
Additionally, I request that you cease all communication with me regarding this debt, except to provide the requested validation. Please respond through the CFPB portal within 30 days of receipt of this letter. 
Sincerely, XXXX XXXX Social security XXXX
Product: Credit card

On XX/XX/XXXX I received notice that Synchrony Bank decided to close my Carecredit account due in part from information provided by XXXX. The main reason appears to be high balances compared with credit limits. I had been in good standing since opening my Carecredit card, and have very rarely had high balances on other cards, never over the limit. I called Synchrony Bank and they recommended calling XXXX, who subsequently recommended calling Synchrony Bank. I requested a full credit report from XXXX. When I examined the report I noticed that the section regarding Synchrony Bank/Carecredit stated that I had a " High Balance '' of {$7500.00} from XX/XX/XXXX to XX/XX/XXXX ( credit limit at the time was {$6800.00} ) and of {$7500.00} from XX/XX/XXXX to XX/XX/XXXX ( credit limit at the time was {$6800.00} ). However, the account statement below did not reflect this information at all, and I was never even close to being over my credit limit on my Carecredit account. I ended up opening a dispute with XXXX on XX/XX/XXXX and the results verified the Synchrony Bank account information as accurate. I then contacted Carecredit again and was able to request a full report of statements, which I could not previously access because they closed my account. I believe that these statements, along with my XXXX credit report, prove that I never had a High Balance on this card during these dates, and that my account should never have been closed.
Product: Debt collection

I received advertising material stating that on XX/XX/XXXX lawsuit is being filed by Cavalry SPV, I have not been served for this matter. On XX/XX/XXXX I received a letter from Cavalry/ XXXX XXXX XXXX XXXX firm about {$47.00}, XXXX owed. On XX/XX/XXXX i responded with a certified letter of denial and a request for validation. I never received a validation of debt from them. Now it looks liked I will be sued by Cavalry. I believe t Cavalry had a window of time to respond and did not. This aleged debt is from XX/XX/XXXX. I am adding that XX/XX/XXXX I received a letter from Cavalry Stating that I owe {$47000.00}, the letter was dated XX/XX/XXXX. Cavalry called me to collect this debt on XX/XX/XXXX ... that's before I received a letter from them. I asked for debt validation and it was never received. I did file a report about Calvary to the Il Attorney 's office.