23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

information below is creditor I'd like to file complaint, my credit score dropped 131 points from XX/XX/XXXX - XX/XX/XXXX because of the false information they'd reported to credit bureau and I've filed a disputed which is completed and deleted ( see below ) but need to request how to get my credit score back up? please advise thank you XXXX XXXX CENTRAL PORTFOLIO CONT Account XXXX This item was removed from your credit report. Please review your report for the details. 
XXXX icon Deleted You can contact CENTRAL PORTFOLIO CONT at XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX, MN XXXX or ( XXXX ) XXXX-XXXX  After your dispute : This item was removed from your Credit Report. 
Before your dispute : Account NameCENTRAL PORTFOLIO CONTRO Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusCollection account. 
Status UpdatedXX/XX/XXXX Balance {$150.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX   Monthly Payment {$0.00} Original Balance {$150.00} Highest Balance {$0.00} Terms 1 Months On Record UntilXX/XX/XXXX Payment History XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX Historical Information First ReportedXX/XX/XXXX Original CreditorXXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I am enrolled in auto pay with this company, due to system issues they have failed to draft my account on the payment date. I called the company and they confirmed and reassured me no payment was due. Today XX/XX/XXXX I noticed that auto pay did not draft again and gave them a call. They are telling me I am behind 16 days because of an issue on their end. They did not disclosed any issues to me! I live paycheck to paycheck and now I am behind on my payment and can not pay it! This is the XXXX time this happens since the loan was sold to this company without my knowledge in XXXX! I do not want them adding payments to the back of my loan that matures in XX/XX/XXXX I want the tittle to my car and this loan account CLOSED! I do not want to deal with this disgrace of a company. I never had any issues prior to American Acceptance managing my loan!
Product: Debt collection

On XX/XX/2022 a company had sent me a letter at my new address that stated they are debt collector. I had certified mailed D & A Services a NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT. When D & A Services had received the my letter I was sent statements about an alleged debt. I didnt ask for statements. I had asked for a contract between D & A Services and myself. I didnt make a copy of my notarize letter to D & A SERVICES instead I have provide a copy of what I had used. Below is information that will help with the investigation.
Product: Credit card

XXXX female, XXXX ( XXXX yo ) believes it was a XXXX  XXXX  under the guise of a Home Depot credit card. When this elderly female tried to explain to XXXX XXXX the misappropriation of funds, they said they couldnt help because there was no credit card number to produce. This left this female very distraught and worried the attack could go deeper and take more of her money. This is an allegation of misappropriation of funds. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SEND DISPUTE I informed the three credit bureaus XXXX Equifax XXXX XXXX about a dispute on an account that is not mine I need it removed from personal credit, XXXX XXXX XXXX were sent to the certified letter to which they have not removed me from my credit. 

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 XXXXXXXX XXXX XXXX XXXX NOT MINE MY PERSONAL INFORMATION IS NOT CORRECT MY MAILING ADDRESS IS NOT CORRECT EITHER.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I submitted a complaint to the CFPB in regards to an account listed as XXXX XXXX XXXX XXXX upon completion of this investigation XX/XX/XXXX it was determined that this account would be removed permanently due to Identity Theft. XX/XX/XXXX I submitted a dispute to TRANSUNION to remove the SAME account listed as XXXX XX/XX/XXXX the dispute had been completed and reflected as NOT CHANGED. This negligence accurately shows me that a complete comprehensive investigation had not been conducted on my behalf! 

The failure to further and fully investigate the matter is outrageous! A comprehensive investigation would reveal I did not apply for any credit would underscore your failure to conduct a thorough inquiry into the matter. 
A violation of 15 USC 1611 has occurred, indicating a breach under the Fair Debt Collection Practices Act ( FDCPA ) with criminal liability for willful and knowing violations.

Section 1692K of the FDCPA imposes civil liability for violations, emphasizing the importance of fair debt collection practices. Additionally, Section 1681 highlights the significance of accurate credit reporting in maintaining the efficiency of the banking system, while Section 812 prohibits the creation of false beliefs regarding debt collection involvement. For violations such as failure to validate a debt and continued reporting to credit bureaus, the Consumer Protection under the FDCPA affords potential fines as follows : *FDCPA Section 809 ( b ) and FTC opinion letter Case from XXXX XXXX Fine of {$1000.00}. 

*Defamation, financial injury- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX of {$5000.00} or the extent of damages incurred by the wronged party as determined by the courts. 

* Defamation, willful injury - FCRA Section 623 XXXX XXXX TRANSUNION XXXX ; XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Case XXXX XXXX XXXX, XX/XX/XXXX Filed ( XXXX XXXX. XXXX ) : Fine of {$5000.00} or the extent of damages incurred by the wronged party as determined by the courts.
Product: Debt collection

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. Mississippi Statute of Limitations MCA 15-1-29 & MCA 15-1-31 states that limitations to collect a debt is 3 years. XXXX XXXX has passed the statue of limitations to collect the debt. The statue started with XXXX with the date of XX/XX/2018 and refuse to show me a bill of rights sale. Then XXXX XXXX changed the dates to collect and has not validated the debt. These companies has refused to remove these accounts from the last 2 years. XXXX has hired an attorney XXXX XXXX XXXX and both request compensation for a debt that has passed statue of limitations as well as never validating the debt. 
I did not receive a notice before the summons as well. They lack standing to collect the alleged debt. They violated the 15 USC 1692 which states There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy and 15 USC 6802 which states Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX  XXXX XXXX BALANCED {$1000.00} XXXXXXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX BALANCED {$810.00} XXXX XXXX BALANCED {$790.00} XXXX XXXXXXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX XXXXXXXX {$420.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX {$490.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

After a period of financial hardship this year, I was unable to timely payoff several loans with Affirm. For one of the Affirm with an amount due that exceeded {$600.00}, the company sent an email on or around XX/XX/2024 indicating that the loan had been charged off. The amount charged off was {$640.00} and I recently made a payment through a collections partner which has reduced the amount owed. I have yet to receive a 1099-c form for the debt cancellation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received the result of my dispute submission. The result was, the account belonged to me. I am a XXXX, and my father is a XXXX, the account belongs to him. This collection account apparently was opened in XX/XX/XXXX, In XX/XX/XXXX I lived in California with no pets why would I have a XXXX XXXX XXXX account? 

I believe because my father and I both have the same name, and I recently ( as of XX/XX/XXXX ) live at the same address there was a mix-up and his collection issue has found it 's way into my credit report. A simple investigation into the account may show the original account owner is not me.
Product: Debt collection

I have already disputed the amount this company is attempting to collect from me. I do not owe this amount since my insurance paid for the very same claim this people are trying to collect on. I need them to prove what they are saying, and I need them to stop their harassment. 

I waited over 2 months to take on the treatment, because I was not able to take it until it was approved and paid by insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed Transunion their inaccuracies in reporting on my current credit report. Referring to my consumer rights according to the consumer laws. In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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.

15 USC 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 In response, they added XXXX more late payments to XXXX XXXX XXXX XXXX which was paid back in XX/XX/2020. Which further more proves my dispute that they are inaccurately reporting on these XXXX accounts. They have not provided legal backing on why they are continuously illegal and unlawfully reporting on my credit report. I would also like to state that the other XXXX credit reporting agencies XXXX and XXXX are reporting my XXXX XXXX XXXX XXXX account as agreed. This is not Transunion first time reporting inaccurate information on my credit report. Complaint # XXXX. Transunion is causing me financial harm by continuously reporting inaccuracies. In return is affecting my approval chances of credit products. I would like these things deleted immediately. This is causing XXXX XXXX  I asked Transunion to lawfully remove the late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you to dispute some errors I have found on my credit report. I have reviewed my report in detail and have identified several inaccuracies that I would like to clarify. 

First my current address is not the one that appears in your systems, but the report lists an old address that I no longer use. 

I have also noticed that there are certain errors, considerably affecting my credit report in a negative way. This account is already closed, but I am reporting late payments, which there is an inaccuracy of the dates, so I kindly ask that it be deleted from my history. 

This account was closed and paid in full, and at this time I am reporting negatively on Experian. And it does not report to any other agency, which clarifies that there is an error in the report. 

For this reason, I kindly ask that this account be removed from my history which is found paid and closed. And it's only affecting me. 

I attach to this letter copies of documents supporting my claim that show that the data on my credit report is inaccurate. 

I ask that you conduct a full review of my credit report and take the necessary steps to correct the errors identified. I appreciate your attention and I look forward to your response as soon as possible.
Product: Credit card or prepaid card

I contacted discover card helpline on their messaging option and i got auto reply some of our agent will contact you soon but I kept on waiting for almost an half an hour but there was no reply from them and till now my query has not been resolved and it is height of unprofessionalism that now their messaging option is not working at all in my discover phone application, seems like they blocked intentionally and they are continuously harassing me.So I request you intervene. 

Thank you
Product: Debt collection

A debt collector back on XX/XX/XXXX know as drive time and I did not purchase so I contact the local company in XXXX and I contact XXXX XXXX and she stated the individual name was XXXX XXXX out of XXXX Tx. So this was not me at all .This is a constant back in fourth with XXXX and Formally known as XXXX XXXX. Old debt XX/XX/XXXX also they falsely claimed last payment XXXX and thats not true. I do not even XXXX lol ( due to vision ) They did not have my address and this individual was in XXXX Tx. I have send police case number several time 's for the past 7 years. This is mental health draining. This has cause mental health issues now Im on medication due to this. They constantly post falsifying information. This collection did not even have the right name. That contract had XXXX. / information from XXXX Tx. XXXX has also failed to follow protocol on investigation. This has harm my credit tremendously. Also the hard inquiries I did not get permission to look or run my credit report. XXXX points down SINCE XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX VIA DEALER, XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XX/XX/XXXX XXXX XXXXXXXX VIA DEALER XXXX XXXXXXXX VIA DEALER, XXXX XXXX XXXX, XXXX, TX XX/XX/XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX MI XXXX I did not authorize my credit to pulled for no automobile. ( Due to XXXX ) When you Call XXXX you go through all different types of commotion to get someone on line. I have send mail over the years for these items to be deleted off my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 XXXX XXXX XXXX
Product: Mortgage

I have been trying to get a signature on a consent of mortgagee form by the lender AmeriSave Mortgage Corporation. I have been trying to get this document signed and returned to me since the end of XXXX. I have received no return of this document. This needs to be signed and returned so our condo association can continue it's business. I do not know if they have the document or if it has been tossed out. I have sent this to 4 different addresses. All addresses with in AmeriSave.
Product: Debt collection

I contact Amcol Systems on XX/XX/2023. Approximately XXXX months prior I asked for an itemized statement from this company and received it in XX/XX/2023. Was prepared to pay the debt went to their website where it indicated, I need to add a reference number. There was no reference number anywhere on the bill. When I spoke with a representative there, they said that I should've known that a reference number is actually what they indicated a locator number. I asked them to run the payment they told me there would be a fee of {$4.00} and I asked them because of their unclear website, if they would waive the fee and absolutely refuse when I asked to speak with a supervisor, she repeatedly told me that nobody would ever waive this fee. I feel I had to demand to speak with a supervisor which I should be able to ask for mine and be transferred over. I got to a supervisor whose name was XXXX she said she was the operations manager I explained everything above she still will not waive the fee I asked her what kind of settlement she could offer me which was approximately {$360.00} less than the bill. I accepted that settlement and I paid with my debit card and also pay the {$4.00} fee. I requested a letter or statement that says that my account is now closed with them. She absolutely refuse to provide that for me I didn't understand why. I asked for her supervisors name she said I couldn't talk to them. I said I didn't wan na talk to them. I just wanted a name. She refused to give me that she said she would send me a receipt on the payment. I did not get this either. I'm very concerned because I do not have any proof that this was settled that they are going to come back and tried to charge me additional fees I think that I'm entitled to get a receipt and I'm entitled to get a statement from them that my account with them is closed, I do not have any choice that my hospital uses them for collections. I don't feel that they are in compliance with your regulations without providing me a receipt statement that my account is closed and also charging me a fee just to process my debit card. Based on reviews of this company, there is plenty of notifications that they do come back charge people again on a paid off account saying they never received a payment which now other than my bank statement I have no proof. I want proof of my payment and proof of my account being closed thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to TransUnion, XXXX, and XXXX  and explained to them that I did not authorize my credit to be ran by these companies and wanted the information deleted off my credit report. I was spoken to rudely.The issue was never fully resolved. The inquiries were removed at one point and were eventually placed back on my report and I was never notified the inquiries were placed back on my report. According to the FCBA that is against the law. I am requesting that XXXX, XXXX, and TransUnion to remove all inquiries pertaining to auto loans due to not being notified. The inquiries are as follows : 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 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 XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Checking or savings account

I am writing to file a formal complaint against BMO HARRYS BANK regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. On XX/XX/year>, I submitted a complaint requesting that BMO HARRYS BANK remove their reporting to XXXX XXXX which has errors and incorrect information about me that is preventing me from opening a new bank account, but my request was mostly ignored. They provided a number to call to discuss the matter but my calls and voicemails were never answered. I'm requesting that BMO HARRYS BANK rectify the information that they are reporting to XXXX XXXX or remove their reporting. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. On XX/XX/year>, I notified BMO HARRYS BANK that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliate third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. I provided this opt-out notice in accordance with the legal requirements outlined in XXXX XXXX XXXX XXXX and I have retained documentation of my communication with BMO HARRYS BANK. Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that BMO HARRYS BANK has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing including the potential for identity theft, fraud, and other financial harm. I kindly request that the CFPB investigate this matter thoroughly and take appropriate action to ensure that BMO HARRYS BANK complies with all federal regulations and laws, including the GLBA to protect the privacy and information security of consumers like me. Additionally, I would appreciate regular updates of this investigation and any action taken to address the violations.