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

THIS IS NOT A DUPLICATE COMPLAINT i wrote to ARS ACCOUNT RESOLUTION on XX/XX/XXXX to request a debt validation for debts being reported on my credit report. It has been over 60 days since i wrote to them and they have willfully decided not to respond which is a direct violation of my FCRA rights. their failure to respond therefore is an absolute waiver of any and all claims against me and therefore this debt should be deleted with immediate effect and the records of the deletion furnished to all consumer reporting agencies which it has previously furnished this information to. Please be advised that this is my 3rd written request to you and my my 3rd complaint through the CFPB and that i fully intend to pursue litigation AGAINST ARS ACCOUNT RESOLUTION in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that i may be entitled to under section 616 and section 617 regarding your negligent and willful noncompliance. the only document i received from ARS account resolution does not validate a debt. i have attached it to the complaint for the review of the CFPB. BELOW ARE EXAMPLES OF CASE LAW WHICH HAS BEEN DECIDED BY COURTS IN THE UNITED STATES WHICH GOVERN THE DISPUTEWHICH WE ARE FACED WITH. READ AND ADVISE YOURSELF ACCORDINGLY ON WHAT YOUR RIGHTS ARE AND WHAT CONSTITUTES REASONABLE PROCEDURES TO VALIDATE A DEBT. United States Court of Appeals, Ninth Circuit. Linda L. CLARK ; Jerry V. Clark, Plaintiffs-Appellants, v. CAPITAL CREDIT & COLLECTION SERVICES , INC., an Oregon corporation ; Janine Brumley ; Jeffrey I. Hasson, Defendants-Appellees. Linda L. Clark ; Jerry V. Clark, Plaintiffs-Appellees, v. Capital Credit & Collection Services , Inc., an Oregon corporation ; Janine Brumley, Defendants-Appellants, Jeffrey I. Hasson, Defendant. Linda L. Clark ; Jerry V. Clark, Plaintiffs-Appellees, v. Capital Credit & Collection Services , Inc., an Oregon corporation ; Janine Brumley, Defendants, Jeffrey I. Hasson, Defendant-Appellant. Nos.04-35563, 04-35795. Decided : August 24, 2006 745 N.E.2d 862 ( 2001 ) Greg A. SPEARS , Appellant-Plaintiff, v. Timothy L. BRENNAN , Appellee-Defendant. Court of Appeals of Indiana. March 26, 2001. Attorney ( s ) appearing for the Case Clifford W. Shepard, Consumer Protection Law Offices, Indianapolis, IN, Attorney for Appellant. Thomas J. Grau, Carol A. Nemeth, White & Raub, Indianapolis, IN, Attorneys for Appellee. ATTACHED ARE COPIES OF THE LETTERS WHICH I WROTE TO ARS ACCOUNT RESOLUTION I HAVE ATTACHED THE INSUFFICIENT DEBT VALIDATION THAT WAS SENT BY ARS ACCOUNT RESOLUTION WILLFULLY AND I HAVE ALSO ATTACHED A COPY OF THE LETTER I WROTE TO THEM
Product: Credit reporting, credit repair services, or other personal consumer reports

Both my husband and I are disputing an auto loan with XXXX XXXX. We paid the loan and on the documentation, it shows the loan paid on the XXXX report dated XX/XX/XXXX. I disputed this XXXX credit that showed up with it showing a repossession. XXXX XXXX andXXXX are the same company. Furthermore, XXXX backdated a deletion of XXXX XXXX on XX/XX/XXXX! They deleted the correct account and kept the incorrect one. We are obviously getting caught up in a someone else 's bad car loan. 

We have tried to deal with all three bureaus and no one is deleting the incorrect information.You can see that the loan origination date is exactly the same. 

Please help
Product: Mortgage

I was denied a mortgage refinance for a lower interest rate, VA guaranteed for my personnel property. The decision to deny the loan was based on my credit report. At that time my credit report carried XXXX negative items. XXXX items were paid off XXXX XXXX and the third items should not have been on the report. Currently, all negative items have been removed from the credit report. We dealt with the mortgage company five months ( XXXX XXXX thru XXXX XXXX ). During that period they ran my credit report four times. Bringing my credit score done even more. The appraisal expired, the appraisal fee {$450.00} was non refundable and the low interest rate also expired. A written request was mailed to the mortgage company, recently asking that the inquiries be removed and there has been no response. First, I did not give them permission to run my credit report four times and second because the numerous inquiries lower my credit score, it prevented me from acquiring financing from another institution
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted to XXXX XXXX letters requesting validation of a debt with Portfolio Recovery ( PRA ). I specified my request for validation with proof of original debt and ink signatures. XXXX claimes to have validated/updated this debt and maintains this record on my profile. In this process, I received a letter dated XXXX from PRA stating they would close my dispute ( without honoring my request for verification ) on the grounds of them not receiving information they requested. I did NOT receive this letter. I also checked the payment portal, and XXXX of the accounts on my credit file is no longer listed. 

PRA is refusing to honor my request for validation and has removed a debt from my account, but continues to report on my credit file. XXXX has clearly failed to do their due diligence in this dispute process, and I want these accounts removed immediately from my file.
Product: Student loan

I first started receiving calls from Kentucky higher education after my dad died in XX/XX/XXXX. I avoided the calls at first but then decided I needed to clean up my credit so I answered the phone. I assumed due to my state of mind after my dad passed, this was the loan I got years and years ago. I even set up payment arrangements with the school so I could pay back hello. Well as I was getting deeper into my credit report trying to get things fixed I noticed other fraudulent activity on my credit report. Like having two other social security numbers linked to my account. Also several other accounts that were not mine and have since been removed as I look over my credit report I noticed the school that I originally got the loan was on there and the account closed. So as I'm looking at this Kentucky higher education it shows I've even made payments which I had not prior. It shows I got the loan in XXXX and I did not get a loan from that school in XXXX. I disputed it on my credit report and because I had signed an agreement they said that it was legitimate. I also reached out to the school and when they finally called me back, I had a long discussion with hey lady about my account I asked her to send me the original documents of the loan where I had initially started the loan with the company. I still have not received that documentation via email. She also went on and on about all the processes I would have to go through, which in turn, I told her that was not my loan. I'm not going to pay a loan that is not mine I will be taking action. I called and spoke with a lady with the credit bureau who led me to reach out to you guys. Please help me with this matter as it is going to prevent me from getting my stimulus or anything else that may come from the government like my tax return, ect. I do not owe this loan, and I can attach a copy of 2 of my credit reports. Then you can see that I did not get this loan and also see all the other fraudulent activity that was on my account. Thank you so much for your time and I hope to hear back very soon.
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 : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 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.
Product: Credit card or prepaid card

Credit karma suggested cards I was pre-approved for without a credit check. I applied, was denied and found that my credit score went down dramatically
Product: Credit card or prepaid card

Capital One made a change to their closing date without giving me a proper notification. 
Changing the closing date from a fixed date each month to a floating date depending on the month. They failed to properly notify me of this change by only included this important notice as a footnote, in small print, at the end of my paperless XXXX statement. 
As a retired person, living on a fixed income, I carefully monitor my charges each month to pay the credit card in full thus avoiding the additional interest rate imposed by Capital One. 
Capital One has the right to make changes to their policy but they need to properly inform the customer as these changes have a direct and material effect on the customer 's finances. 
When I contacted Capital One customer service to ask why they failed to close on the accustomed date I was ridiculed and told the change was made and I need to deal with it. Too bad if I didn't read to the bottom of my statement. 
Capital One has a responsibility to ensure the customer is properly made aware of these changes by sending out a specific email or mailer not attached to the end of a statement that may be overseen but rather to make every effort to ensure the customer has the proper information in order to conduct their expenditures responsibly. 
However, by changing the closing date, without proper notification, I feel I have been TRICKED by Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act.This list of account below has violated my federally protected consumer rights to privacy and confidentiality under15 U.S.C 1681. 
XXXX XXXX has violated my rights. 
15 U.S.C 1681Section 602A. States I have rights to privacy.

15 U.S.C 1681Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank reported my balance on XX/XX/XXXX to XXXX and XXXX as {$1400.00} when that is incorrect. The company acknowledged that they sold my debt. The debt company sent me a letter offering me a settlement of {$980.00} as paid in full. I paid the settlement amount of {$980.00} upon receipt of the letter. They wont update my balance to XXXX although I have shown documentation of the settlement letter. There is also a recorded call with XXXX XXXX of their representative showing the account was settled and paid in full. Synchrony Bank keeps adding comments to drop my score when Ive paid this debt in full.
Product: Credit reporting or other personal consumer reports

This company Santander Consumer XXXX XXXX has been reporting on my credit file, which another company has so called purchased the particular debt, and that company isn't reporting the accurate information itself. This has been something that I have been dealing with for a while now and it has been no complete merit done by the CFPB who supposed to regulate these companies to make sure there doing things right. I have submitted a complaint with your company before and I didn't feel like you guys have not completed a thorough investigation on my behalf. it took more than 30 days to verify, and any kind of information related to this illicit activity from this company listed on my profile. according to 15 U.S.C. 1681 ( 7 ) says that I want a verified detail description of the supposedly investigation from this company and what they have been doing. This has to be done in a timely manner or else this is grounds for deletion. The FCRA simply sates that all the information has to be reported to bureaus 100 % accurately and that's not what this company has been doing. They have been sued before for discrepancies dealing with consumers and the entities and the same thing that I'm dealing with right now, in the exact same time frame as the lawsuit started. I want this DELETED off my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX pull a hard core credit report for me with Equifax and Equifax sent them inaccurate information. My credit score was reported inaccurate.
Product: Student loan

I want to file a complaint about XXXX XXXX XXXX XXXX and the XXXX regarding misleading information about the school/program/financial expectations and placement. I feel I was mislead about the whole program and now as a result I am financially in hardship with the expectation to repay a loan that has grown to almost $ 190K due to defaults/forbearance. I attended XXXX from XX/XX/XXXX to XX/XX/XXXX. I was eagerly pushed into starting right away as I was assured that if I did n't the odds of me getting in were slim to none, then I was told the financial costs were far less than what they actually turned out to be ( which is unaffordable ), then on top of it all the school turned out to be unaccredited ( which they knew was going to be the case at the time of my enrollment, yet they continued to lead me to believe it was credited. NOW I am almost $ 200K in debt for a loan and a worthless degree. I have had to resort to taking a job outside of my training and have been left in financial hardship. Constantly struggling, robbing peter to pay paul. This burden has been so hard on me and my family. I have been on a rate reduction program with Navient for almost 7-8 years and can barely make those payments. My family struggles from month to month! I need help to get this loan forgiven. I pray you investigate the XXXX along with XXXX XXXX XXXX XXXX ( which is now closed as of XX/XX/XXXX ). I need someone to help me along with many of my fellow ex students from XXXX. There are hundreds and hundreds of us in the same boat! I do hope there is something that can be done, and very much look forward to hearing back from someone regarding this complaint!
Product: Debt collection

As a federally protected Consumer, I am here to contest any alleged claims that you are now listing as consumer debt on my credit report. 
The Consumer requests verification in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( 8 ). ( FDCPA ). 
Additionally, the aforementioned customer REQUIRES the subsequent : RMP SRVC LLC ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a used car and received a loan in XXXX XXXX XXXX from XXXX XXXX. After doing some research I realized that this company is a loan shark and has totally taken advantage of me. They charged me exuberant fees for a car that was practically useless. It broke down and fee 's were never explained to me properly. Either way. this company is refusing to acknowledge the fact that I'm challenging information on my credit report with them. They even keep returning the mail that I have sent to them! I am using the address that is listed on the credit report. I've also explained this to the 3 major credit bureaus. XXXX did do the right thing and removed this from my credit report.However, Experian and XXXX are still reporting this account and all of the derogatoriness. 

There are so many inconsistencies with this account. Nothing makes sense and they refuse to send me the information so that I can even see if what they did or are doing is legal! 

For example, XXXX shows the balance on this account as {$21000.00} and Experian shows the balance as XXXX. Now how can this be? It's only one or the other. I dont ' even know what they sold the car for or applied to my account. I have no idea when the car was even sold at auction, or if it even was?

I don't know what else to do in this situation. Please help!

I'm attaching screenshots of my credit report, as well as letters that I've sent to them that have been returned!
Product: Credit card or prepaid card

On XX/XX/2019 I redeemed 7250 points for three gift cards through US Bank FlexPerks Rewards Program. I received an order id number and confirmation e-mail from US Bank of my transaction. The XXXX Id XXXX. I never received the gift cards and I contacted US Bank Reward Card Services approximately 3 weeks later to find out the status of the gift cards. I was advised by the customer service rep that the cards were sent out. She also informed that she would start an investigation as to why I did not receive the cards. I then received a letter from Cardmember Services dated XX/XX/2019 that stated that US Bank would not reissue the cards, because the credit card account was closed. 

As I am a long time account holder with US Bank, and I frequent the branch on a regular basis, I went to the local branch on XX/XX/2019 and asked employee XXXX XXXX to look into the matter for me. She made calls to the Reward department and was advised by supervisor that they were unable to issue the cards because it was 30 days since the account was closed. 

She advised them that when the order was made the points were in the account and eligible for redemption and that the cards should be re-issued. The employee at the Reward Center refused. The branch employee also stated that she has encountered similar problems with the Reward Center in the past. 

Today, XX/XX/2019 I called the Reward center directly and spoke to supervisor XXXX and he also refused to issue the gift cards. 

It is unfair of US Bank reward department to refuse to issue the gift cards that I am entitled to. I earned the points using their credit card, and redeemed the points that were available to me in my active credit card account on XX/XX/2019. I subsequently closed the credit card account some time after I redeemed the points because I did not want to continue to pay the high annual fee on the credit card.. The points were available to me and the gift cards should be re-issued.
Product: Credit card

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I first filed a dispute regarding an unknown medical collection on my Equifax credit report. Equifax responded to me and indicated they had verified the account and advised me to contact the reporting collection agency. 

On XX/XX/XXXX I sent a certified letter to the reporting collection agency requesting the information they have regarding this account. The collection agency sent me a letter indicating they would verify the account and send me additional information. 

On XX/XX/XXXX I had not yet received any information from the reporting Collection agency and I called them at their office. They informed me on that call that they could not verify or provide me any information and that my account was closed in their office. I followed up that call with a certified letter requesting a withdrawal in writing of the claim so that I could send it to Equifax. 

After my phone call on XX/XX/XXXX with the reporting collection agency, I filed an online dispute with Equifax letting them know I have done everything in my power to discover and rectify this error with the reporting agency, and that the reporting of this account is an error. 

On XX/XX/XXXX Equifax reported back to me they have again verified the collection with the reporting agency and advised me to contact them again. I have contacted them again and they assure me they are not reporting the account. 

Equifax continues to report this unverifiable account on my report. It seems unreasonable that Equifax continues to require me to rectify with a collection agency whom will not tell me anything other than that the account is unverifiable and closed.
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 15USC 1681. 

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 15 U.S.C 1681 section 602 A. States I have the right to Privacy 15 U.S.C 1681 section 604 A. 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.

--
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

DEAR, TRANSUNION WOKE UP MONDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF ( FRAUD/IDENTITY THEFT/A CRIME )... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT.