23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. 
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 15 U.S.C 1681 section 602 A . States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing and of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the fraudulent accounts currently appearing on my credit report. Despite sending you my previous dispute letter and the required documentation to the Federal Trade Commission ( FTC ) as per your requirements, these accounts are still being reported on my credit report. I have contacted the creditors associated with these accounts, and they have acknowledged the fraudulent nature of these accounts so the accounts were already removed from XXXX and XXXX. I have also provided the creditors with all necessary documentation to support my claim. Please remove these accounts from my report : DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard pull was done on my credit report on XXXX XXXX, 2017 for a checking/saving account with ( NFCU ) Navy federal credit union. Then NFCU did another hard pull on my credit report for a credit application I did on XXXX XXXX, 2017. XXXX hard pull inquires within a 30 day period from the same company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a derogatory mark was added on my credit report per XXXX XXXX from PENN CREDIT CORPORATION and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. Additionally, On XX/XX/XXXX I spoke with a Penn Credit Rep XXXX XXXX ( Agent I.D XXXX ) and verbally requested a debt validation letter with my signature to be sent to the address on file. XXXX stated 6 times that wasn't a option that Penn Credit Corp can not offer me. Since Penn Credit failure to respond to my verbal and written request to validate this alleged debt. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract-any and all accounts you posted on a credit report. I believe this is a direct violation of my consumer rights and I'm requesting this collection to be deleted from XXXX and XXXX credit reporting agencies immediately for inaccurately and failure to validate the debt in violation of FCRA.
Product: Credit card or prepaid card

I received as a XXXX present American Express gift cards with expiration dates in XXXX. Despite my attempts to use the gift cards prior to their expiration dates, American Express had deactivated the cards. I spoke with XXXX XXXX on the American Express Prepaid Resolution Team on XX/XX/XXXX. She indicated that I would have to fill out a form that she was mailing to me, and that I should expect to receive replacement gift cards within XXXX - 10 days. She emailed me reference # XXXX. I received the paperwork, filled it out and sent it along with pictures of the gift cards, as requested by American Express. It has now been almost two months, and I have not received the replacement cards. I tried calling the number she referenced in the email, which is XXXX, but I only get a pre-recorded message with no ability to speak to a representative. 

I have also sent several emails, none of which was responded to. I am attaching the string of unanswered attempts to request additional information. 

I fear that I have been defrauded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my credit report pulled and saw that I have incorrect information showing. I have notified the police and filled out a identity theft report. These accounts should be removed immediately. I have attached a report and a credit report to this packet. I am showing a charge off on a vehicle as well as several incorrect fraudulent bills. I have been dealing with identity theft since 2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$0.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$1600.00} ; XXXX XXXX XXXX Balance Owed : {$560.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

I received an alert from XXXX that my credit score dropped 19 points, from XXXX to XXXX, when I looked at my report I find that Marcus has reported the wrong balance to XXXX, they reported {$1300.00} when in fact my current balance on XXXX was {$370.00}, this increased my credit utilization by 5 % and thus lowered my score. When I called customer service they claim that Goldman/Marcus is not yet reporting anything to the credit agencies but my report clearly shows its Goldman and XXXX is marked paid on XXXX which is accurate. 

GOLDMAN SACHS AND CO Link card name Exceptional payment history {$1300.00} Balance updated XXXX XXXXXXXX XXXX XXXX looks like they reported the wrong year
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Transunion asking them to provide me with the information they have obtained to validate the accounts that are currently listed on my credit report. There are numerous accounts listed on my credit file that are inaccurate, multiple listings and accounts that are to old to be on file. As of today, Transunion still have not provided me with the information that I requested of them. They mailed me a letter asking me to verify my new mailing address instead of providing the documentation they obtained in order to lawfully report these accounts. 
Attached is the letter that I sent to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IS TRYING TO COLLECT A DEBT THAT WAS PAID ON THE DAY OF THE XXXX IT WAS PAID TO XXXX XXXX XXXX. I TOLD XXXX XXXX NOT TO CALL MY WORK BUT THEY CALLED ANYWAY AND CONTINUED TO CALL WORK NUMBER THIS DEBT WAS PAID IN FULL THE DAY OF THE XXXX PLUS I WENT XXXX IN THE XXXX  THE XXXX WAS DONE ON, THIS WAS CAUSED BY THE XXXX SO I WANT HIS REMOVED FROM CREDIT REPORTS AND NO MORE CALLS MADE TO ME OR MY WORK
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Violation of Fair Credit Reporting Act ( FCRA ) for Willful Noncompliance Attention Barclays Bank Delaware Corporate Compliance and Legal Department : I am writing to formally address your willful noncompliance with the Fair Credit Reporting Act ( FCRA ) regarding your erroneous, false and misleading reporting of an account that has been charged off and settled via IRS Form 1099-C, Cancellation of Debt. Your failure to accurately update and report this account, despite its charge-off status since XX/XX/XXXX, has resulted in severe harm to my credit history, financial standing, and personal reputation. 

Violation of the Fair Credit Reporting Act ( FCRA ) Barclays Bank Delaware ( " BBD '' ) has willfully and negligently continued to report an inaccurate balance on my credit file, despite my account being settled and closed under IRS regulations. This charge-off should have been properly filed and reported to the IRS during the XXXX tax year, yet BBD has failed to comply. The IRS has accepted my 1099-C form and will actively audit this matter for possible tax evasion, unreported income, failure to file a return, and failure to pay tax on earned income. This noncompliance is a serious offense that has caused unnecessary harm to me. 

Demand for Damages Due to BBDs reckless and bad-faith reporting, I have suffered financial and reputational damages. As a result, I am demanding compensation of {$1000.00} per month for each month of inaccurate and incomplete reporting, beginning from XX/XX/XXXX, to the present, totaling {$15000.00} USD ( XXXX  months @ $ XXXX per month ). This amount is non-negotiable, as the IRS is now involved and aware of BBDs bad-faith actions of potential tax evasion.

Immediate Actions Required To resolve this matter, I am demanding the following : Immediate correction of my credit file to reflect a {$0.00} balance.

Immediate suppression and deletion of the trade-line being reported to any and all credit reporting agencies in perpetuity.

Full compliance with IRS regulations by properly reporting this charge-off per Form 1099-C requirements.

Payment of {$15000.00} USD in damages for the 15 months of BBD 's willful erroneous, inaccurate, incomplete, false and misleading reporting, and bad faith actions. 
If these demands are not met immediately, I will have no choice but to escalate this matter by : Filing IRS Form XXXX, which will prompt an IRS investigation into BBDs failure to report the charge-off in the appropriate tax year.

Seek further recourse under the Fair Credit Reporting Act ( FCRA ) and consumer protection laws.

Attached to this complaint/notice, you will find verifiable proof in the form of IRS Form 1099-C ( Copy B and Copy C ), confirming the cancellation of this debt.

I urge BBD to immediately rectify this matter and settle it amicably and privately. If you fail to comply, I am fully prepared to pursue all legal avenues available to me.
Product: Credit reporting or other personal consumer reports

I am writing to you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the companies and they have acknowledged that these accounts were fraudulent and have removed them. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after theyve already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$610.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX used my information without my consent, and According to FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this Section, if the consumer reporting agency reasonably determines the following : A : the information was blocked in error or a block was requested by the consumer in error ; B. the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

However my information was misused without my consent of approval.
Product: Credit reporting or other personal consumer reports

recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. The account ( s ) with XXXX XXXX, reported : XXXX XXXX, XXXX, {$480.00}, Closed/charged-off. XXXX XXXX, Reported : XXXX XXXX, XXXX, {$1100.00}, Closed XXXX, Reported : XXXX XXXX, XXXX, {$10000.00}, Closed XXXX, Last reported XX/XX/XXXX, {$840.00}, Charged off XXXX XXXX, Last reported XX/XX/XXXX, {$17000.00} I never gave anyone consent or permission to sell my information which is against the law to do so, the first violation that was committed was the FCRA XXXXaw 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts :, has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove these accounts from my report this is against the law and is considered tax fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are  XXXX  accounts that are reporting 120 days late from  XXXX ,   XXXX   XXXX   XXXX     XXXX   account and   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   account. I have been attempting to contact these lenders to correct these errors that have caused my credit score to plummet and I am unable to obtain a mortgage. Also all of the above accounts are apart of a loan consolidation so how are they reporting late and the consolidation loan is in good standing. I contacted the FTC last year and they corrected this error so why is  XXXX  reporting this way again this year.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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. 


( CREDITOR NAME ) 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: Money transfer, virtual currency, or money service

I reached out to Venmo 4x in regards to my funds being unattainable and 2 out of 4 I was hung up on and received no help or reasons as to why I wasnt able to withdraw my funds from my own account. Ive sent multiple emails and all I get is the same automated message in return.
Product: Student loan

I have a student loan with Navient. My mother signed as my cosigner to help me get a lower rate. I am able to make the monthly payments, but I would like to enroll in some form of graduated plan, which is common, or to take advantage of Navient 's offer to make interest only payments for the first year. However, Navient has informed me that I can not take either route because of the financial status of my cosigner. Since she is able to make these payments, I can not set up a graduated payment plan or make interest only payments. 

This makes XXXX sense to me. I have an agreement with Navient to pay back my loans, which is what I am trying to do. My cosigner only enters the picture if I am unable to make my loan payments. My cosigner 's financial status should not affect whether Navient allows me to set up a graduated payment plan or make interest only payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation credit card AMEX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX FRCA Violation names and address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX  XXXX XXXX, CA XXXX
Product: Debt collection

Progressive Management Systems in XXXX XXXX, CA sent me a letter/correspondence and disclosed their company name and information on the outside of the envelope for my neighbors to see. This is a violation of my privacy and the FDCPA. The account number is XXXX and the letter states they are a debt collector. Even though this is a letter stating the account was withdrawn by the creditor they have now shared their company name and information. They should have put the address only on the envelope so my neighbors would not have seen their agency name.
Product: Credit reporting or other personal consumer reports

The account with XXXX XXXX XXXX is listed as closed on my Experian credit report but is reported as open with another credit bureau. This inconsistency creates confusion and misrepresents my credit history. I am requesting that Experian delete the account to prevent further discrepancies.
Product: Mortgage

In XXXX I had setup an auto draft from my checking account, the auto draft was setup from an account where I've always used to make payments from. Ally never requested the money from my account and took weeks before I knew there was an issue and only knew after checking online myself to make a payment. At this point Ally 's system did not allow me to make any payments and I spoke to a rep about assistance that they offer. I advised the agent that I did not want to go through a lengthy modification but will be open to a deferment or forbearance as long as a back and forth paper work wasn't required. I offered to make payment at that time but they refused to take it saying I will need to pay 2 - 3 months worth cause they're system wont take anything less. I left it to review myself and investigate why the funds from my account were not taken as scheduled. I called again and spoke to someone shortly afterwards when a letter was received saying that my mortgage was under review for modification and that they had received my documents. This puzzled me cause I did not submit any applications but visited a site they gave me to look into options, I explained this to the rep and she recommended I stay with the modification as it was in review. I again asked if I could at least make 2 months worth of payments to avoid going any more behind, the rep said she would be able to take the payments but the assistance review will be ongoing. I was ok with that as long as they were taking my payments, this was contrary to what they told me a few weeks back cause at that point they did not want to take any payments cause it was under review by underwriting. I told the rep that I will only move forward for a deferment or forbearance if no other documents are required. It is not because I don't have or can't attain any of the requested documents but I do not want to go through the hassle of getting these and sending it back and forth. They advised that no documents were needed as they had everything they need to review so I left it alone since they at least took 2 months worth of payments, This week I received another email from Ally requesting documentation, called and spoke to a rep who did not want to transfer me to a supervisor even after repeatedly asking to do so. She like her other colleagues said the system won't let me make payments one it gets to a certain point which I advised that I would be setting up payment for 2 months worth to come out in XXXX, The rep was very unhelpful at which point I decided to end the call and file a complaint. I'm seeing a pattern that it depends on who you talk to at ally that you will eventually get the right information and the right help. This last call made on XX/XX/23 was not one of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, the following accounts have violated my rights. 
XXXX XXXX XXXX XXXX : account # XXXX and account # XXXX XXXX XXXX account # XXXXXXXX XXXX XXXXXXXX account # XXXXXXXX XXXX XXXXXXXX account # XXXXXXXX XXXX XXXX  account # XXXXXXXX XXXX  account # XXXXXXXX XXXX XXXX XXXXt # 4575986 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.