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

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

These errors pertain to the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonabl

e procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the informatio
n is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( 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.

15 U.S. Code 1666b - Timing of payments ( 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. 

I am requesting letters and documents to notify of Late payments on these accounts if such documents are not provided in 30 days, I request immediate removal of these accounts from my credit report.
Product: Debt collection

They call repeatedly from two different numbers even after I have scheduled a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inaccurate addresses on my credit report. I need these addresses removed from my consumer report immediately. 

XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

I have received XXXX calls recently from Ability Recovery Services their number is XXXX. Apparently an XXXX XXXX in XXXX gave my phone number. As a contact number for here dentist`s office. And has not paid her bill. I explained that I do not know of any XXXX XXXX. And that my wife and I reside in XXXX. But they just keep bothering us!
Product: Credit reporting or other personal consumer reports

Verification of Debt Ownership : While you state that no transfer of ownership occurred, the burden remains to provide a complete and accurate validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). I request the following : A full account history detailing how the balance was calculated. 
Copies of any payments made or charges assessed on this account. 
Proof that XXXX XXXX XXXX remains the lawful owner of this debt. 
Resolution of CFPB Complaint : You mentioned that a prior CFPB complaint was resolved, and I was provided with the " entire file '' at that time. However, I believe the information provided was insufficient to substantiate the debt. If additional documentation exists that supports your clients claim, I request it be sent to me immediately. 

Filing with the Court : You referenced filing the original contract with the court as part of the suit. I request a certified copy of this contract for my records. Furthermore, I want to ensure that the contract includes all pertinent terms and conditions, including those relevant to ownership and assignment, if applicable. 

Violation of Reporting Standards : XXXX XXXX is in violation of the Fair Credit Reporting Act ( FCRA ) by continually reporting late payments on a charged-off account. Reporting late payments on an account that has been charged off is misleading and inaccurate, as such accounts are considered written off as uncollectible and no longer accrue new late payment activity. This practice undermines the integrity of the credit reporting system and violates federal law. 

False Statement About Reporting to XXXX : XXXX XXXX also falsely claimed that this account is no longer being reported to XXXX. However, the account remains on my XXXX credit report. This misrepresentation further violates the FCRA. I demand that XXXX XXXX correct this issue immediately and provide written confirmation of the correction. 

My Position : At this time, I continue to dispute the validity of this debt. As a consumer, I have a right to clarity and full documentation regarding any claims made against me. The failure to provide sufficient evidence or documentation not only raises questions about the legitimacy of this case but also could potentially constitute violations under federal or state laws governing debt collection and credit reporting practices. 

Predatory Lending Practices : Additionally, I am aware that XXXX XXXX XXXX has been sued for predatory lending practices. These types of practices disproportionately harm consumers and violate ethical standards and consumer protection laws. Based on these precedents, I intend to seek compensation for the harm caused by XXXX XXXX 's predatory practices, including any financial damages I have suffered as a result of their actions. 

Next Steps : Please respond to this letter with the requested documentation within XXXX  days. If this documentation is not received, I may escalate this matter further with the CFPB and other appropriate regulatory bodies. Additionally, I reserve the right to seek legal counsel to protect my rights and interests.
Product: Credit reporting or other personal consumer reports

There is a need to insure that consumer reporting agencies exercise responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Remove all these hard inquires as I did not authorize them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have filed a complaint yesterday about two other issues and now there is another one and since I requested they go fraud as they should have done on the first two and refused I now have the account closed waiting a new card and they will not give me any information reguarding anything on the old number and I can not se what is taking place. Paypal blames Synchrony Bank and you have to talk to another number which blames in reverse Sycnhrony Bank then blames Paypal and this has been going on for years it is a Paypal Mastercard issued by Synchrony Bank why so much trouble and they make everything very difficult like this transaction of XXXX on XX/XX/23 it took hours to get it anywhere to be fixed. They are not nice or easy to deal with. Also they are now showing me a - {$1500.00} Paypal Balance requesting me to add oney to resolve that issue which is in fraud or resolution to be handled and they are still trying to give that money to a fraud action from someone else. I am XXXX and need this resolved and I don't need all this stress as I live in pain XXXX and also a XXXX XXXX of the XXXX XXXX XXXX XXXX this is all adding to my pain and stress and fighting so hard to get this fixed and feel like I am getting nowhere. I waiting for a new card so have no access to my stuff on paypal which is kind of weird.
Product: Credit card or prepaid card

I had a reoccurring payment setup on my Discover Credit Card, then I did a one time payment of the statement balance on my credit card to be paid XX/XX/2019, when doing this I remember it promoting me to ask if I wanted this payment instead of or in addition to the reoccurring payment, I said instead of. Also, I had no reason to believe my credit card company would take more payment than my statement balance at one time. This payment was setup about a week before the payment, I do not have the exact date. On the day the payment was due both the reoccurring charge and the statement charge were taken out, my Discover account was overpaid by {$1700.00}. I immediately contacted Discover to have the {$1700.00} payment reversed, I believe it was XX/XX/2019. They told me I had to fill out a form and the money would take 12 business days to be refunded to my account. Though I said this was not appropriate due to the situation, I filled out the form because I felt it was all I could do. I continued to receive communications from representatives over their chat function for days who continued to ask me to fill out the same form, which confused me. I finally called and asked what was happening on XX/XX/2019. I was on the phone for half an hour and a representative confirmed that the refund had been requested on the XXXX and I would get the money soon. When 12 days was up I contacted the company again and they said the refund wasn't able to go though because they didn't have the right information. I requested a refund to the same account they withdrew the money from and had submitted 4 electronic forms with the information, which included the routing and account numbers. I submitted another form and was told it would again take 12 days from the new time I contacted them, which would actually be the same day that my monthly payment is due. I have still not received any money back, no clear way of how to get it, and no monetary credit for the inconvenience of having my bank account overdrawn by {$1700.00}. This is theft and is not okay. The worst part was that every time I contacted them to get this dealt with they kept blaming me for the error when they created a situation where my account was {$1700.00} overpaid for a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( XXXX  ) is the inquiry or account i did not authorize on my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX Dear XXXX XXXX I am writing to you regarding my [ credit card/account number ] XXXX XXXX XXXX XXXX with your company. I recently discovered that there is a late payment recorded on my credit report for the month of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ]. I am writing to request that this late payment be removed from my credit report. 

The reason for the late payment was due to unexpected financial hardship. 
I understand that maintaining a positive credit history is essential, and I have been a loyal and responsible customer with your company since XXXX XXXX. I sincerely hope you will consider removing this late payment from my credit report as a gesture of goodwill. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Head, MD XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB, Subject : Complaint Regarding Charged-Off Accounts I am writing to formally lodge a complaint regarding a charged-off account that are affecting my credit report and financial standing. The details of these accounts are as follows : XXXX XXXX XXXX Account # XXXX, XXXX and XXXX XXXX XXXX XXXX has charged off this account. Once your debt is sold to a third-party debt collector or considered charged off, it becomes a certificate of indebtedness. This means that it is now considered income and can not be reported to your credit report. It is important to have these accounts removed immediately. 
I have also previously sent a letter to this company three months ago, stating that I am exercising my right to opt out of their reporting of these accounts, as per 16 CFR 313.7 ( f ) and 15 USC 6802 According to the Fair Credit Reporting Act, section 602 ( a ) of 15 USC 1681 states that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
XXXX and Experian are consumer reporting agencies, and as the consumer, I have the right to ensure that my private information is not shared. This right is supported by 15 USC 6801, which states that financial institutions have an obligation to respect the privacy of their customers and protect the security and confidentiality of their nonpublic personal information. The furnisher of information to credit agencies is considered a financial institution under this definition.

Section 604 ( a ) ( 2 ) of 15 USC 1681 states that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer. Neither the financial institution nor the consumer reporting agencies, XXXX and Experian, have my consent to furnish this information, and they certainly do not have my written consent. Any previous consent given to XXXX, Experian, or the furnisher of information to credit agencies, whether it was verbal, non-verbal, written, implied, or otherwise, is now revoked. 
The Furnisher of Information to credit agencies did not inform me of my right to exercise my nondisclosure option, which is in violation of 15 USC 6802 ( b ) ( c ). Additionally, the Account that is being reported by them is an adverse item without my permission, which is against the law according to 15 USC 1681C ( a ) ( 5 ). XXXX and Experian are not maintaining reasonable procedures as required by 15 U.S. Code 1681s2 ( A ) ( 1 ) A and 15 U.S. Code 1681e. Furthermore, as stated in 12 CFR 1016.7, I am opting out of their reporting services. 

Thank you XXXX XXXX
Product: Student loan

My loans, which should already be forgiven under XXXX, were transferred to Moehla. I submitted an employment certification form to Moehla on XX/XX/28 and followed up with a message explaining that the form had been submitted to XXXX XXXX and the payments inaccurately counted. I explained I should qualify for XXXX at this time under the federal waiver as payments prior to consolidation are counted under the waiver and XXXX XXXX gave me inaccurate information about consolidation anyway. Moehla finally got back to me two months later saying they hoped my issue was resolved ( how could it be resolved if they didn't do anything ), but if not, I should call them. The wait time is several hours. I am not wasting hours on hold on the phone. I did that countless times with XXXX and it went nowhere. Process the XXXX I submitted, give me credit for XXXX payments, process my XXXX  application, and forgive my loans.
Product: Debt collection

I am a third party who has been contacted by XXXX at XXXX  ( XXXX XXXX XXXX ) from phone number XXXX on several occasions over the last XXXX  years for a debt owed by my son XXXX XXXX I dont have the exact date in XXXX or XXXX but I asked XXXX  not to contact me any further about my sons debt and they stated they would remove my phone number from their systems. 
On XX/XX/XXXX yet again I received a call from XXXX. He never asked to confirm my identity nor my relation to the debtor before providing my sons full name, date of birth and the fact that his payments have been declining. I again asked them not to call my phone number and again he stated he would remove the number. I feel XXXX  is violating the FDCPA by calling me after being told not to. I feel XXXX is at this point harassing me about a debt I have no affiliation with. Not once did XXXX ask to confirm who I was, my name, nor if I even know the debtor. My son has not received any calls from XXXX despite having the same phone number for at least XXXX  years and despite providing the number to XXXX in XXXX or XXXX when they first contacted me and I informed my son about their call.
Product: Credit reporting

Bank of America changed the status of account from closed, XX/XX/XXXX to open, late as of XX/XX/XXXX. Score plummeted as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX account # XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX ACCOUNT XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX file XXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$3500.00} ; XXXX XXXX  XXXX XXXX XXXX Owed : {$13000.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Owed : {$2600.00} ; XXXX XXXX XXXX Balance XXXX : {$17000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX Owed : {$6000.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.AMEX XXXX and XXXX XXXX XXXX
Product: Debt collection

Account Name : XXXX XXXX XXXX XXXX This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : XXXX ) Defamation XXXX ) Negligent Enablement of Identity Fraud XXXX ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should do any further action be necessary. This is a request for information only, Statement, election, or waiver of status.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I are trying to close on a house we had built. Our loan agency began requesting all 3 credit reporting bureaus remove all disputes, starting in XXXX. These disputes were done a year ago, so well over the 30 day window. We have requested, including in writing and signed that these disputes be removed. This was done well before the pandemic hit this country. Today we still haven't heard from Transunion and the disputes haven't been removed. They are not reachable by any means. My wife and I are both nurses, and need in our new home as our lease has expired. I don't know who else to turn to for help, but this is outrageous.
Product: Mortgage

Bank of America will not return my calls I 've tried many times and I get forward to a voicemail manager who never return my calls. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've noticed unauthorized inquires on my credit report that I would like to be removed
Product: Debt collection

On XX/XX/2015 Evergreen Financial Services violated our privacy by disclosing a debt owed to an unauthorized 3rd party. The collector placed a call to a number the collector found using skip trace. The individual who owns this phone, has pending legal/criminal issues with our family. The violation of our privacy to this individual has created much turmoil for our family now. Furthermore, at XXXX on XX/XX/2015 when I called Evergreen Financial, I spoke with XXXX , and when I asked what the amount we supposedly owed and who we supposedly owed the debt to she refused to give me any information. So, Evergreen Financial first violates our privacy, and then refuses to give me the debtor in the situation any information on the debt. But, XXXX did have the audacity to ask for payment in full- but not give me any information as to the amount or the creditor. They have made no previous attempts to contact us- we had no idea we even supposedly owed the debt. The collector did not verify she was speaking to an authorized party before disclosing that she was attempting to collect a debt. Not only has our privacy been violated, but numerous Federal and State Laws have been violated by Evergreen Financial. How can they attempt to collect a debt when they refuse to give any information to an authorized party, but give private information to a non-authorized party. thank you for your assistance in this matter.
Product: Checking or savings account

I had ATM deposited a check on XX/XX/2024 in the amount of {$800.00}. It gets put on the normal 4 day hold, then to a 7 day hold, then to yet another 5 day " extended hold '' and here it is 14 days later and they are still holding it not letting me have access to my funds, not even giving me a date when it's going to be released