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

In accordance with the Fair Credit Reporting Act TD Auto Finance Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a 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.
Product: Debt collection

On Monday, XX/XX/XXXX at XXXX XXXX  I received a phone call from XXXX. The man informed me he was with Ally something and that I had a debt owed from XXXX XXXX XXXX XXXX XXXX. I explained I had discharged that debt in bankruptcy and he is not allowed to call me on it. He said that wasn't true and I still owed the money. I said that is not true and hung up. 
I discharged this debt on XX/XX/2007 case number XXXX US Bankruptcy Court Eastern District of Arkansas XXXX XXXX XXXX 
It has been XXXX  years since this was discharged and they should not be calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 
Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 Account Number XXXX XXXX XXXX {$3200.00} POSTED ON XX/XX/2019 CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Product: Student loan

Several months ago, I tried to set up direct debit for a significant over-payment on my student loan amount ( to help pay the loans down faster and avoid interest ). When I tried to set up this direct debit on your website, the website returned an error message that said " Please correct the following 1 error ( s ). Additional Amount can not exceed 1,000.00. '' I contacted customer support, and they told me that this is a " known glitch '' that their IT had been trying to fix for over six months. They instructed me to write a letter to XXXX XXXX asking to set up direct debit for the over-payment amount. 

I just tried to increase my over-payment, and I encountered the same problem again. The website still gives that same error. I contacted customer support and spoke with XXXX, employee ID XXXX, and got the same answer : I have to send a letter requesting the over-payment. 

I find it very difficult to believe that this error message is a mere computer " glitch. '' Computer glitches do no explain themselves in plain English. A human had to have entered that function, and the error message explaining it, pursuant to some internal policy. 

Assuming this is true, I find that policy profoundly unfair, bordering on deceptive and dishonest. It places a completely unnecessary procedural hurdle in the way of borrows trying to pay down their loans as quickly as possible. I can see no reasonable justification for this. And, even if it is a simple " glitch, '' it should not take a major loan servicer more than eight months to fix it. 

I am writing the necessary letter tonight, so my immediate problems are solved. But I want XXXX  to fix this " glitch '' as soon as possible, to make it easier for students to pay down their loans as quickly as possible.
Product: Credit reporting or other personal consumer reports

XX/XX/2021 ( credit Collection Service ) Progressive XXXX is reporting inaccurate information on my credit report. I do not owe this balance and I have requested that this creditor remove this inaccurate information immediately.
Product: Debt collection

I request for the information detailed in the letter attached to be provided or have the account remove from my credit profile permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

New and Updated Information : Previous Complaint # XXXX Discrimination that has caused severe damages, please see documents attached. 

Claim of investigation three times, yet I provided proof of the EXACT SAME ACCOUNTS being removed from XXXX XXXX XXXX 

The individual who responded MADE THE CHOICE TO DISCRIMINATE AND DENY ME MY RIGHTS UNDER THE COLOR OF LAW and will be held liable per my Fee Schedule.
Product: Mortgage

In 2007, my home was foreclosed on while I was called up as a XXXX in violation of the SCRA entitling me to recourse through the OCC and National Mortgage Settlement. I received a small check ( {$600.00} ) from the OCC settlement. ( Much lower than it should have been per their criteria ). I went through my Attorney General 's Office to try to resolve this. During their talks with Citi Mortgage, they were told that Citi had rescinded the sale of the home ( consequently they sold it to themselves ) 10 months later. However, public record shows that the sale was rescinded 2 years later. Either way, I feel I should have been entitled relief from Citi which I have been denied. I was never made aware that they ever rescinded the sale of the home, or that they re-instated the loan. The home has been destroyed by vandalism and weather leaving no value to the property. Earlier this year I was told they we 're again foreclosing on the home, but later they decided not to and are continuing to hold me hostage to this loan now 9 years later.
Product: Checking or savings account

I reported an unauthorized transaction on XX/XX/2020. My debit card was in my possession and I was at home caring for my newborn. Chase provided a provisional credit to my checking account for the transaction amount {$650.00}. The merchant provided transaction information to Chase which shows the transaction was PIN and Chip. Chase bank refuses to conduct further investigation into the transaction stating that they do not rely on a customer signature, and the only way for me to recover funds is through a police investigation and to sue the person responsible. The bank apparently also can not view camera footage to see that it was not me making the transaction, and told me that if I can provide proof that I was home caring for my newborn they may be able to investigate again. The problem is I can not prove that I was home, and that would also be a problem for providing that information to police as well as proving that I never gave anyone else permission to use my card - Which was in my possession. 

My identity was compromised in XXXX when Chase bank allowed someone in New Jersey ( I live in New York ) to add my debit card information to their digital wallet for personal use. I found this out on XX/XX/2020 when I reported unauthorized XXXX XXXX transactions and an unauthorized New Jersey utility bill transaction. I believe this individual may be responsible for using my debit card information to make the purchase in XXXX. 

Chase bank states that EMV chip cards can not be duplicated. Research shows me otherwise as it has been successfully done before and there is malware available for purchase on the dark web. I am submitting another dispute with the information that shows EMV chip cards CAN in fact be duplicated. I want my funds recovered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a FEDERALLY PROTECTED CONSUMER WITH FEDERAL PROTECTION RIGHTS. I AM TIRED OF WAITING ON TRANSUNION TO DO WHAT THEY ARE SUPPOSED TO BE DOING PER THE FEDERAL CONSUMER REPORTING ACT ( FCRA ) WHEN IT COMES TO RE-INVESTIGATION. AFTER LOOKING AT CONSUMER LAWS THE ITEMS I LISTED SHOULD BE REMOVED. BY ALLOWING THESE ITESM TO STAY ON MY CONSUMER REPORT TRANSUNION IS DAMAGING AND RUINING MY CHANCES TO OBTAIN A MORTGAGE. THE FCRA GUARANTEES THAT I AM TO HAVE A SUITABLE, ACCURATE TO ME CONSUMER REPORT. 1.On the grounds of 15 USC 1681s2 ( B ), the information I listed should all been deleted after all the re- investigations 2.On the grounds of 15 USC 1666B TIMING OF PAYMENTS ALL LATE PAYMENTS SHOULD OF BEEN ALL REMOVED FROM EACH ACCOUNT I LISTED BELOW. 3. UNDER 15 USC 1681C-2 BLOCK OF INFORMATION these accounts I listed should of all been deleted AFTER NOT BEING PROPERLY INVESTIGATED and not reporting on my consumer report. 4.Under FTC GRAMM LEECH BLILEY ACT and 15 USC 1681B2 PERMISSABLE PURPOSE these unauthorized inquiries I listed below should all be deleted 5. This address where I DO NOT RESIDE AT should be deleted. REMOVE OLD ADDRESS XXXX XXXX XXXX XXXX XXXX AZ XXXX. REMOVE ALL LATE PAYMENTS SHOWING IN ACCOUNTS XXXX XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT XXXX XXXX, XXXX XXXX  ACCT # XXXX, XXXX XXXX  ACCT # XXXX REMOVE ALL LATE PAYMENTS REPORTING, REMOVE THIS INQUIRY XXXX XXXX XX/XX/21. BASED ON IRS FEDERAL PUBLICATIONS ON CHARGE OFFS THESE CHARGE OFF ACCOUNTS XXXX XXXX ACCT # XXXX, XXXX  XXXX ACCT # XXXX, XXXX ACCT XXXX XXXX, XXXX XXXX XXXX ACCT # XXXX  SHOULD ALL BE DELETED BASED ON THESE FURNISHERS NONCOMPLIANCE, INACCURATE REPORTING. I have ASKED FOR RE-INVESTIGATION OF ALL these issues ( 3 ) times prior and have PAST CFPB DISPUTES ON RECORD WITH THERE REPLY AS PROOF and every time it all came back " verified " but NOT ONCE DID I RECIEVE THERE METHOD OF PROPER INVESTIGATION STEPS IN WRITING SENT TO ME REQUIRED BY THE FCRA needed to be continuing to be reporting on my consumer report. Under the FCRA CONSUMER LAWS I LIST THESE ARE ALL GROUNDS FOR DELETIONS FROM MY CONSUMER REPORT. BECAUSE TRANSUNION WILL NOT COMPLY TO THESE FCRA CONSUMER LAWS. I NEED THE CFPB TO STEP IN POLICE, AND ENFORCE, SUPERVISE AND HOLD TRANSUNION ACCOUNTABLE TO THE FCRA CONSUMER LAWS ESTABLISHED BY US CONGRESS. THEY DO NOT COMPLY TO THESE FCRA CONSUMER LAWS LISTED AND ARE IN VIOLATION OF 15 USC 1681i, 15 USC 1681s2 ( B ) ,15 USC 1681C -2,15 USC 1666B. AND TRANSUNION DOES NOT COMPLY WITH GRAMM-LEECH-BLILEY ACT WHEN IT COMES TO MY CONSUMER REPORT. AND AS A RESULT I AM NOT BEING FEDERALLY CONSUMER LAW PROTECTED.
Product: Credit reporting or other personal consumer reports

Please remove incorrect late payments reporting from XXXX with Prestige Financial account. Information is incorrect late payments are to be removed
Product: Debt collection

I sent a debt validation letter to all three credit bureaus. Both XXXX and XXXX said the debt was validated, but I asked for method of verification and original contracts that were signed and haven't received that from either of them. XXXX removed the account because they were unable to verify it then weeks later added the account back to my credit profile. I reached out to ProCollect on XX/XX/21 stating that I'm not acknowledging the debt, but would like this matter to be taken care of and offered to settle for the amount of {$350.00} and for this account to be removed within 10 calendar days of payment. The agent rudely said there is no settlement and my balance needs to be paid in full by XX/XX/21. I don't owe ProCollect this amount of {$1200.00} and XXXX collection fee.
Product: Debt collection

I had a  XXXX  credit card through   XXXX   XXXX  . I was behind on payments and they sent it to  Central Credit Services LLC for  collection. I called them on  XXXX   XXXX    XXXX   and made payment arrangements to pay off the balance of  XXXX  I arranged post dated payments which were made by direct debit of my checking account. I was given the impression that this would pay off the balance and that would be the end of it. I received my next statement and the balance was almost the same and I saw a late charge had been added which was more than my payment. I called central credit back for an explanation. they explained that the charges were added into the 6 month payment plan. I finished the payment plan and now  XXXX  is calling me for the remaining balance of  XXXX . They show no record of payment arrangements.No one can give me a copy of what I was told over the phone. I feel I have been scammed by Central Credit and  XXXX  I have other  XXXX  accounts and none of them have done this or offered to.
Product: Debt or credit management

I co-signed a car for my ex and he then got it reposed I didnt have no warnings or idea that he was behind on his payments. Also the current account with the XXXXXXXX XXXX I had a wreck when I was I pregnant, the car is supposed to get fixed someone hit me and the car is still at the tow yard still! Im no longer driving it and I have no clue if it could be fixed and also dont know if would be totaled
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy inaccurate over the statue of limitation chapter XXXX and chapter XXXX dismissed never filed or completed
Product: Credit reporting or other personal consumer reports

I am writing to dispute incorrect personal information on my credit report. The names XXXX XXXX, XXXX XXXX XXXX, addresses XXXX XXXXXXXX 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 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 phone XXXX XXXX XXXX XXXX listed do not belong to me. Please investigate these inaccuracies and remove them from my record. And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information 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 supposed 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 accounts is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal, deletion, or blocking of all of my personal information from your consumer reporting agency. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b.

I am asserting my rights under the Uniform Commercial Code ( UCC ) 1-308.4, which protects consumers from the unauthorized sharing or sale of their private information. I have not provided any written instructions or signed any agreements authorizing the sharing or sale of my personal information to third-party consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 6801 - Protection of nonpublic personal information. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information these companies did not get my approval or consent, nor did I receive notification of them sending a letter to disclose my information and these are all violations, remove them now! 

XXXX XXXXXXXX XXXX  XXXXidentity theft-where is my wet signature that I gave permission XXXX XXXXidentity theft-where is my wet signature that XXXX gave permission Capital XXXX XXXX XXXX XXXXidentity theft where is my wet signature that I gave permission
Product: Debt collection

XX/XX/scrub>XXXX XXXX XXXX  amount XXXX XXXX i requested debt validation and have not received i requested to have all call stop until they provide and they did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX, US DEPT OF ED # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 U.S.C 1681i ( 5 ).

I waited 30 days and recieved my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, Experian and XXXX did not modify or remove anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three reports. 

Which is a violation. This is causing me financial injury and impacting me from buying a house.
Product: Money transfer, virtual currency, or money service

They are not letting my money come on my PayPal all they want to do is keep my money from me please
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX  Account # XXXX  {$450.00}, Has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found inaccurate information in my EXPERIAN credit report. I tried to fix the issue by sending them a letter through the mail ; however, I was not satisfied with the results. The accounts were not verified. Inaccurate information, such as Payment status, payment history, date opened, and balance are still being reported. My rights were violated. According to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C. Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I move to my new address almost 3 years now. Before moving I did a change of address so that I could receive my mail. I started working contract work for XXXX XXXX. before working for XXXX XXXX, they did a credit check on me. While doing a credit check, I found that a collection agency by the name of Simons Agency Inc had a numerous of medical bills on my credit report that I never received at no time. After further review, the medical bills where mine but I never received any bill for them in the mail. I maid a paid to settlement to Simons Agency Inc. All my debt was paid off but Simons Agency who said it would be removed from my credit is still showing on my credit report now as a negative. I attempted to contact them to remove it from my credit, but they refuse to remove it off my credit.
Product: Debt collection

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

FURTHERMORE, the above consumer DEMANDS the following below : Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information reporting on my credit report that are not mine. I have contacted XXXX, Transunion, XXXX several times via phone, online and via first class mailings on many occasions in regard to inquiries that is reporting inaccurately. I even provided a police report and I get the same response each time that they have been removed but they are still appearing on my report. It makes it look very bad on my credit report and reporting negatively/inaccurately. I am trying to finance something on my credit report and it makes it very difficult when theyre checking my credit and this inaccurate information is appearing. I have disputed and reached out to XXXX, Transunion, XXXX several times and they say the same thing over and over, that we have removed them but they have not sent me anything in writing with proof of the removals. After they were going to mail out letters confirming the removal of the disputed inquiries. XXXX, Transunion, XXXX needs to provide proof of validation of these being removed and the results of my disputes. When I call XXXX, Transunion, XXXX they keep telling me that their handling it and I should see an update and I never do. The last rep I talked to stated he was taking care of it only to find out he had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following inquiries is what is being reported : XXXX XXXXXXXX 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  How can all the bureaus be using the same information, but some bureaus are reporting correctly & the others are saying verified which is totally incorrect. In addition my XXXX and Transunion score does not reflect my credit profile.
Product: Debt collection

I previously filed a complaint against Aldous & Associates regarding an alleged debt I do not owe, explaining that I never used the service and refuse to pay. I also formally requested that they cease all contact with me, as is my right under the Fair Debt Collection Practices Act. However, their response was unsatisfactory as they stated they would be sending me a letter, ignoring my cease contact request and continuing unwanted communication. This violates my rights under the FDCPA and constitutes harassment. I am requesting that Aldous & Associates immediately cease all contact with me, including mail, and if they believe the debt is valid, they must provide proper validation instead of ignoring my dispute. If they continue to contact me despite my request, I ask for this to be investigated as a violation of the FDCPA. For reference, my previous complaint was filed under case number XXXX.