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

From XXXX 20+ phone calls made 18+ representatives/supervisors 4 requests to have calls pulled 44 business days, 64 calendar days unresolved Company is claiming that our account was at one point 30-60 days delinquent and has reported this information to the 3 credit bureaus. It was reported on XX/XX/XXXX that the XXXX payment was 30-60 days late. We have had calls pulled and transcripts reviewed documenting that the account was never 30 days delinquent. This information was provided to us in letter form, outlining what occurred on the calls but is still being prefaced with there is no bank error and it is still the account holders error. 

XX/XX/XXXX - Account was opened. 
XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX with live representative XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX with live representative XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX along with the XXXX payment with a live representative XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX through automated system in the amount of {$160.00} XX/XX/XXXX - {$84.00} payment due - payment made on XX/XX/XXXX through automated system with XXXX payment XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX with live representative XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX through bank website XX/XX/XXXX - received notification that there was a change to our credit scores and found that it was reported our account was XXXX days late. We contacted the customer service department to find out what happened. On this call, the representative acknowledged there was a system error that post dated our XX/XX/XXXX payment to XX/XX/XXXX causing the system to think the account was late. The representative removed the XXXX late fee, submitted a dispute on our behalf to have the credit report error fixed, and assisted us with getting the payment processed that was pending and making the next months payment for XXXX. 

XX/XX/XXXX - it was reported to the credit bureaus that XXXX was XXXX XX/XX/XXXX - we were told that the XXXX payment is what was XXXX days late because there was no payment showing on the XXXX statement. No calls were pulled per request even though the XXXX payment was made on XX/XX/XXXX XX/XX/XXXX - we were told that the XXXX payment was 30+ days late. XXXX payment was made on XX/XX/XXXX On four different occasions, four separate representatives told us different dates that were late. We were told XXXX, XXXX, XXXX, and then XXXX in that order. There are inconsistencies from what they are telling us, what was discussed on the phone calls, and what they reported to the credit reporting agencies. 

Additional documentation attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have items on my credit report that i would like to verify the information on. I would like to dispute the XXXX XXXX XXXX account opened XX/XX/XXXX for {$550.00} dollars, the XXXX account opened XX/XX/XXXX for {$840.00} dollars, XXXX XXXX account opened XX/XX/XXXX for {$850.00} dollars. I have disputed these accounts online with credit bureaus. I would like to verify the information on these accounts.
Product: Credit reporting or other personal consumer reports

account number XXXX XXXX XXXX  63 months the account is currently showing closed but appears as a negative entry on my consumer credit report THIS is a direct violation of the credit reporting act 15 usc 1681 and the Graham Bailey Act i have no knowledge of this account and the company failed to provide each of these things as I REQUESTED IN WRITING : THEY HAVE COMMITED IDENTITY THEFT, VILATED MY RIGHTS TO PRIVACY AND MY CIVIL RIGHTS AS IT PERTAINS TO THE FAIR CREDIT ACT 15 USC 1681 ( 1 ) There was no validation of the debts by actual accounting ( XXXX ) There was no validation of each creditor 's claim against me as my name as its listed is a fictious entity. I XXXX XXXX, currently of SOUND BODY AND MIND STATE THAT you must delete the entries on my consumer credit report due to identity theft in that you are in direct violation of the Fair Credit Act ( XXXX ) : No signed invoices EXIST ( XXXX. ) There was no binding contract by both parties sent by certified mail so that your verification of the delivery has been made by a unbiased party. ( XXXX ). There is no wet ink signature by both parties ( XXXX ) or ANY OF THE SO-CALLED CREDITORS was not told that I was creating a contract with my wet signature because there is none. A contract or a signature on my behalf or theirs because a contract can not be made by a soulless legal fiction therefore this did not take place. Therefore, no legal entities or a third party can collect on their behalf. Furthermore A crime of forgery has been reported to the local authorities against your clients by Myself and there is an open civil proceeding in the county court in which the case number will be referenced once legal action is taken against your client and an identity theft report will be sent to you via the proper mailing procedure to ensure you are following the Laws as referenced in the Fair Credit Act THE COMPANY SOLD INFORMATION WITHOUT MY WRITTEN CONSENT FOR PURPOSES NOT ALLOWED BY THE LAW ( See the federal trade commissions notice of penalties offenses regarding non affiliated third parties ) If you receive NPI from a nonaffiliated financial institution, your ability to reuse and redisclose that information is limited. The limits depend on how the information is disclosed to you. It does not matter whether or not you're a financial institution If you share their NPI with nonaffiliated third parties outside of three exceptions ( see " Exceptions '' ), you must give your consumers and customers an " opt-out notice '' that clearly and conspicuously describes their right to opt out of the information being shared. An opt-out notice must be delivered with a privacy notice, and it can be part of the privacy notice
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX, transunion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

These names, addresses, and employment do not belong on my credit report. 

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

On XX/XX/XXXX there was in inquiry that appeared on my XXXX credit report that I did not initiate. The company name showed Pentagon Federal Credit Union. I contacted the CU directly and they confirmed that someone had used my name, address and SS number to set up an account. They explained how an investigation could take several months, after which there would be a letter sent to each of the credit reporting agencies to remove the inquiry, however, I have nothing in written, thus no confirmation for the actions and steps that will be taken to have this removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled my home address, date of birth and social security and Credit Karma indicated all the information that was given was incorrect. I would like to view My credit Report along with the information provided it, such as the home address, date of birth and the correct social security.
Product: Mortgage

I received the letter saying they were going to force flood insurance on us for our property being in a flood zone however our property is not in a flood zone. Citizens have the same property documents that I have access to if not more. Each time I try to call I am transferred or disconnected or on hold for over 45 minutes just to speak to a person. This is frustrating as the letter they send does not include details on how to handle the situation when their research is wrong and only allows for us to purchase our own flood insurance or they will force flood insurance on us. We should be given clear direction of how to protest their flood insurance requirement. I have provided them the standard flood hazard determination form that was filled out by a company named XXXX in XXXX at 2021. This document should be acceptable as the prior rep at citizens told me that I could get a form from XXXX which is XXXX 's competitor. I have the survey which shows the property is not located in the flood zone. The county website has flood zone maps also showing my property is not in a flood zone.
Product: Debt collection

XX/XX/XXXX at XXXX XXXX  Voicemail left from an unknown number stating that there was a complaint against me at my address and they wanted to discuss a pending action against a coverage complaint. The message was from a XXXX XXXX I called the number that was left on the voicemail and the woman asked me if I had been served by a process server on a debt from XXXX Capital One Credit Card. The woman said that her company was going to take me to court, and I should have gotten the paperwork. She also said that a letter was sent in XX/XX/XXXX. I never received the letter concerning this matter. The company did not identify themselves as a debt collector in the voicemail and represented themselves as a court complaint against me concerning the property where I live. I have the transcription of the voicemail.
Product: Credit reporting or other personal consumer reports

XX/XX/2023, I sent letters to Experian, XXXX and XXXX about the following fraudulent accounts and they have not yet to follow CFPB Laws our rules. 
XXXX {$0.00} ACCOUNT # XXXX XXXX XXXX XXXX {$800.00} ACCOUNT # XXXX /XXXX XXXX XXXX {$850.00} ACCOUNT # XXXX /XXXX XXXX XXXX XXXX$1400.00} ACCOUNT # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit company is not updating my credit acceptance account correctly. Sent documents to verify the account is closed in settlement XXXX XX/XX/2023. XXXX is the only company with proper updates.
Product: Debt collection

I bought a car from JMC leasing in XXXX. Car was repossessed in XXXX, place on the lot same day and resold before I could get it back. XXXX I received a writ to garnishment for XXXX. On a closed and charged off account. From XXXX to XXXX Jmc leasing garnished a total of XXXX $ from my payroll. Which left a debt of {$3200.00}. Over the last couple of years JMC keep filing a writ to garnishment with various jobs adding interest onto the {$11000.00} ranging in the amounts if XXXX to XXXX. Saying I owe XXXX one even said {$17000.00}. Which was just ordered to pay at current Job. spoke to XXXX @ JmC leasing, she states she has no record of the XXXX $ only the XXXX $ that was paid since XX/XX/XXXX. And all that is just interest. So I still owe XXXX $ they are taking XXXX $ a month from me that has caused me to loose my housing. And be financially unstable.
Product: Debt collection

On XX/XX/XXXX I received a letter from XXXX  XXXX pertaining a complaint to this body, to which they responded by stating On XX/XX/XXXX, we made a business decision to send a request to the CRAs asking them to delete the XXXX  XXXX account ending in XXXX from your credit files. It may take up to 60 days for the agencies to update their records. 
We performed an investigation and confirmed that the account ending in XXXX was opened on XX/XX/XXXX, with an online application. After performing our review, we believe the account belongs to you for the following reasons : The contact information used to open the account ( listed below ), has been linked to you by public records XXXX XXXX XXXX XXXX, DE XXXX We mailed billing statements to XXXX XXXX XXXX XXXX, DE XXXX, which has been linked to you by public records, and did not receive any returned billing statements or other mail sent to this address. 
We located recorded calls from XX/XX/XXXX, in which you contacted us about this account and stated it was your account. 

To this letter they informed me this matter was resolved and I had nothing to worry about. Since XXXX they have have portfolio recovery associate harass me for collection, after they stated it was deleted from all public record. I contacted portfolio recovery associates and they said nothing to help and now I am here to complain about this matter non stop phone calls and demands this has to stop.
Product: Student loan

My student loan was included in my bankruptcy and navient still charged me and told me I couldnt have it discharged
Product: Credit reporting or other personal consumer reports

I spoke to several different departments within XXXX XXXX XXXX department on XX/XX/XXXX regarding the unauthorized hard inquiry that placed on my Experian report on XX/XX/year>. They informed me that they contacted Experian on XX/XX/XXXX requesting that the inquiry be removed, the inquiry has not been removed and when I contacted XXXX today XX/XX/year> requesting written verification that they sent the request to Experian on XX/XX/XXXX to remove the inquiry, the rude representatives told me that they could not provide me with it. I have to wait 90 days.
Product: Credit card or prepaid card

Target is refusing to comply with removing and deleting my derogatory report after paying them in full. I had this issue with two other companies XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX, I paid everything in full and they told me the same thing refusing to delete when I submitted a complaint they both removed it so target is the only one that is not wanting to cooperate. I paid with the intention of having everything removed and they are really affecting my credit score, and I dont think this is fair because I paid them all in full everything I owe them including interest charges, penalty fees etc. And I am not going to stop submitting this over and over again until somebody hears me out because this is not right. Hopefully whoever reads this message is able to assist me. 

Thank you very much
Product: Mortgage

XX/XX/XXXX I sold a property via short sale. There were XXXX loans on this property. XXXX loans were approved for short sale by Bank of America. Yet, Bank of America is reporting that I had a Line of Credit on the property, which I did not and they are reporting the settlement date as XXXX. I am currently trying to purchase a home, and it seems there continues to be problems with Bank of America accurately reporting information. This is the second CFPB complaint I have had to file regarding this matter. See the attached documents. Please submit a letter to me stating the fact that loan # XXXX in the original amount of {$280000.00} was closed XX/XX/XXXX. I have support showing that I was issued a cancellation of debt XX/XX/XXXX.
Product: Debt collection

I did go to the hospital but never received a bill in the mail, nor was my bill ever explained to me. The bill went to collections and I paid the balance in full immediately by phone with the promise of the collections being removed from my credit report. There were two collections from the same collector for the same hospital visit, it was just split into two separate bills and therefore separate collections somehow. I've previously disputed this situation via the CFPB who contacted the collector XXXX XXXX XXXX XXXX XXXX as well as XXXX XXXX and XXXX. Results from XXXX are still pending. The debt collector, XXXX XXXX XXXX, contacted the bureaus on my behalf as well and requested to remove the account from my credit report. The collection company did in fact confirm the collections should be removed. However, only one of the collections was removed from my account. One collection still remains and is reflecting poorly on my credit report. Probably a clerical error but it still needs to be resolved in exactly the way it was promised to me.
Product: Checking or savings account

My minor son was a victim of Identity theft. On XX/XX/2021 my son was trying to login to he online banking and was not successful. I informed my son to contact Wells Fargo Bank to see why he is not getting through and to also make the transfer from his savings to checking account. When my son provided the username, he was told they ca not locate it. Then we was informed that the accounts were overdrawn. We asked how is that possible when we don't really use the account. The last activities that took place was in XXXX. Again, wee was informed that 2 fraudulent checks were deposited to 2 different ATMS on the same day at different locations. The also access his online account and did multiple transfer between the account in the amount of {$400.00} and withdrawals at ATMS. THE DEBIT CARD IS IN MY SON 'S NAME AND I HAD POSSESSION DURING THE TIME FRAME AND STILL WHILE I AM TYPING THIS. I filed a verbal claim and was denied. The few claims I filed was denied. I have proof where me and my son was located during these times. I was also told by an employee in the evaluation department XXXX, on XX/XX/2021, that they were multiple attempts where the pin number failed and inquires of approximately XXXX or more times within two days at ATMS. The fraudulent activities took place at ATMS also online. I am requesting my sons {$680.00} that he had in his account and also to clear his name of those fraudulent check. When I went into a Wells Fargo Branch in XXXX FL ON XXXX XXXX. I was given a copy of 1 of the fraudulent check. This can take 2 years and I will not stop until WELLS FARGO BANK FIX THIS ISSUE EVEN IF LEGAL ACTIONS HAVE TO BE TAKEN. For the MONTH OF XX/XX/2021, ME AND MY SON DID NOT PERFORM ANY TRANSACTIONS OR AUTHORIZED ANYONE TO.
Product: Credit reporting, credit repair services, or other personal consumer reports

the account was never authorized to report on my credit, please see the account below : Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine.
Product: Debt collection

This Account is too old to be on my credit report. The account is more than seven years, it should be taken out on my credit report
Product: Debt collection

I do not have any business, agreements, contracts, or any legal bindings with this company. I have never provided this company with any application or personal information. The company 's response states the application was completed as XXXX XXXX, which is false and incorrect. Please furnish the wet ink for my application.
Product: Debt collection

EXPRESS RECOVERY SERVICES is listed on my credit report as the business that is certifying that I owe a debt. However, I requested documentation as to the validity of the debt to which the company did not respond. I then disputed the debt requesting validity of a debt owed to EXPRESS RECOVERY SERVICES which had/has my signature permitting the debt to be sold to or transferred to EXPRESS RECOVERY SERVICES. This was done through all three ( XXXX ) credit REPORTING AGENCIES ; XXXX, XXXX, AND XXXX, but I have not received a response despite several requests for proof of the validity of the debt. Additionally, EXPRESS RECOVERY SERVICES is a DATA BROKER and paid for my personal information. I did not provide any written documentation providing consent for my information to be sold. Specifically, my personal information is currently under a security freeze under all XXXX CRAs and has been reported to the FTC as stolen. Therefore, EXPRESS RECOVERY SERVICES and all XXXX CRAs have sold my personal information without my consent and violated my federally protected rights by using my stolen information and committing identity theft. This is in violation of the Privacy Act of 1974 and 15 USC 1681.
Product: Checking or savings account

XXXX XXXX Bank Of America has issued me a check to the terms of a Class action settlement case No. XXXX. It states that Im an entitle member to a check award due to my bank account being closed. The amount of {$0.00} is totally disrespectful to not me but the Law as well. This bank has violated my consumer rights and financially cause me hardship and used a deceptive tactic of making it seem that this was under the required law.
Product: Credit card

Privacy concern : CCPA violation I recently received a credit card from Capital One ( Venture XXXX ), and their XXXX factor authentication makes it impossible to use the card 's features, such as redeeming miles, without exposing personal information I did not agree to expose in the cardholder agreement. 

After speaking with customer support, the only way to log into the account is by providing them a postpaid cell phone number that is linked with my personal information, which I did not agree to provide in the cardholder agreement.
Product: Debt collection

Today at XXXX I spoke with TSI. On the call I asked them not to record my call ( which I also asked them in writing before the call not to record ). At XXXX I received another call from TSI POST revocation of consent to be contacted. I have told this company SEVERAL times verbally and in writing via USPS Certfieid mail to STOP CALLING ME and to COMMUNICATE BY MAIL ONLY, they don't listen and they break the law under the fair debt collections practices act as well. Further, they did not give a mini mirranda. I have attached all proof including prior CFPB complaints. I want this harassment to stop and I want them to CONTACT MY REPRESENTATIVE TOMORROW XXXX XXXX XXXX XXXX. 
THE LAW OFFICE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the list of the counts below has violated my federally protected consumer rights to privacy under the 15 usc 1681 its capital one account number XXXX has violated my rights 15 U.S.C 1681 section 602 A. 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
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any 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 than 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.