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

According to federal law I never provide Equifax with written permission to report any accounts I've listed below that is in violation of 15 U.S. Code 1681b ( a ) ( 2 ). 
( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
this leads to identity theft!!!!!!! 
Definition of a credit card per 15 U.S. Code 1602 ( l ), means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
I did not provide the companies I listed below with consent to share my credit card ( ID, SSN, etc ) with another entity ( EQUIFAX ) this is a violation of 15 U.S. Code 1681s-2. 
( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

WHICH I HAVE DONE! 

15 U.S. Code 1681- Congressional findings and statement of purpose A statement by you that the information is not information relating to any transaction made by the consumer
Product: Debt collection

On XX/XX/XXXX, I received notification that my consumer report was updated with a collections account. It stated that I have an open balance of {$190.00} that has been placed for collections. I previously thought this was a mistake and figured the collector would realized their error and would update inaccurate information. To my surprise three months later, after reviewing my consumer report for any inconsistencies I notice that not only was the inaccurate account still reporting, I noticed that the Original Creditor was AT & T ( well I suppose that is who the stated name was meant to " spell out '' ). Instead the name read " XXXX AT T ''. 

I have previously disputed this same account with XXXX XXXX XXXX for {$190.00} with the CFPB back on XX/XX/XXXX. Now since that dispute has been rectified and closed out, Credence Resource Management now attempts to collect a Verified alleged debt. I upset that I am continued to be harassed and abused with such false allegations directed to my consumer character, and credit worthiness. These tactics are absurd and inexcusable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX  with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.
Product: Credit card

I have tried numerous of times for the last XXXX years contacting these companies to no avail. I now has opened up another claim with the ( FTC ) Federal trade commission my report number is... XXXX I put it in on XX/XX/2023. I have a representative helping me at XXXX. His name is XXXX ... .his information will be listed down below. I also contacted each of the companies that are in question to no avail. EVERYTIME I call their company they either hang up on me or say... .JUST PAY THE BILL. THESE STORE CARDS WERE OPENED FRAUDULENTLY WITHOUT MY KNOWLEDGE. I HAVE BEEN CALLING THESE COMPANIES FOR OVER 2 YEARS NOW, THAT IS WHY I AM OPENING A NEW CLAIM SINCE I HAVE SOMEONE HELPING ME NOW. I CAN'T GET ANY HOUSING OR NOTHING, AND I AM HOMELESS RIGHT NOW. HERE ARE THE COMPANIES THAT ARE INVOLVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Date : XX/XX/2021 XXXX XXXX XXXX as an agent for Freedom Mortgage Freedom Mortgage XXXX XXXX Emailing XXXX XXXX via a public internet provider ( XXXX XXXX in an attachment without encryption or other protection ( clear text attachment ) of the date identified below : Sending email unencrypted through a public network may be equivalent to publishing the information. Sending non-public information in an unencrypted email is therefore publishing non-public information. 
Confidential and non-public information included : Account number Social Security Number Date of Birth Name Address XXXX XXXX XXXX XXXX account numbers ( 2 accounts ) XXXX XXXX XXXX account number XXXX XXXX XXXX  account number VA loan number This is in violation of : Federal Trade Commission Reporting Act ( FCRA ) Gramm-Leach-Bliley Act ( GLBA ) Fair Credit Reporting Act FTC document Protecting Personal Information A Guide to Business This demonstrates as lack of an adequate : Security Program Vulnerability Assessment / Risk Assessment /Security Plan / Mitigation Plan Security Measures tested Employee Training Electronic Controls / System Controls Plan for Responding to Security Incidents
Product: Debt collection

I read on the CFPB website that I could ask a collection company to verify/validate the debts that I see reported on my credit report. I sent the collection company a letter asking for the following : the full accounting on report, copy of the assignment or purchase from the creditor, detailed billing history including charges, interest, fees, and payments, how they calculated what they say I owe, If the debt was sold to any other agencies, proof that they owned the debt, and proof they were on the original contract that I initially signed. The collector did not respond after 45 days so I sent another letter asking them to verify/validate the debt again and again. They never respond and continue to report the debt on my credit report. According to the CFPB website a collection company has to verify/validate the debt to legally report or collect it. This company has ignored all opportunities I have given them and continues to violate my rights and the Federal Law.
Product: Debt collection

I was involved in a car accident on XX/XX/2021. I was rear ended and pushed into a car in front of me. I had insurance and all of my information, as well as the other parties involved, was listed on the police report. This company continues to spam call me, my girlfriend and my extended family members. They sent a letter to my parents home. I was not at fault in this accident and I was insured.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  charge is closed with a XXXX interest program I paid off the balance XXXX $ its been a whole month the updated status in not reported and there charging me a late payment on my account XX/XX/year> wich I contacted them they said its nothing for them to do. I would like them to delete the payment cause they dont have consent to file late payment when account was closed by granter. I would like the late fees be removed due to the fact the balanced was paid offf. Before XXXX XXXX.
Product: Credit card

I always make my payments on time and am certain of this. What confuses me is why this company is reporting late payments for certain months, which shouldn't be happening. According to USC 1666b, any billing errors should be corrected, or else the company owes me {$1000.00} for each inaccurately reported account.c
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unverified accounts on my credit reports. I I have never done business with these companies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request I be provided verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that the companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt. 

XXXX XXXX XXXX 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 have 128 payment periods with certified employment under the TEPSLF/PSLF program. The XX/XX/ payment period put me at 120, that was when my loans should have been forgiven per the rules promulgated by the Department of Education. At that point, my credit report shoulod have been updated to reflect the balance due was {$0.00} that the loans had been forgiven because I am a federal employee. That has yet to happen -- after 8 months. Because of this 8 month delay in updating the status of my student loans, I have had to pay more interest because of my " excessive unsecured debt '' all because the promises made by the Department of Education have not been kept.
Product: Checking or savings account

I deposited a check into my checking account for {$2800.00} I waited a couple of days to make sure the check funded I we nt to the Chase Br anch at  XXXX   XXXX   XXXX   XXXX  and I asked the teller if the funds cleared for that check.Her response was yes it funded so I withdrew  XXXX  and then I noticed a couple of days later that my checking account was over drawn by the amount of {$2800.00} and I was told the check was returned for insuffeciant funds.So they use what I had in my acoount to cover that. I went to Chase again to discuss the problem and I was informed there is nothing they can do but I asked if the funds cleared and was informed it does n't matter if there was enough money in my account to cover it that is how it works so I have been charged over draft fees on top of that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with XXXX XXXX XXXX XXXX, and with all three credit bureaus for inaccurate and unverifiable information with a charge off the is being reported on my credit report. There is a charge showing with XXXX  in the amount of {$4.00}, Equifax- {$8300.00}, and Experian is reporting {$4000.00}. There are multiple inaccurate with this report. 

1. The balances dont match. 
2. the late payments dont match 3.This account has not been verified by the credit burueas I asked them to send me a copy of the sell and what they for the vehicle, and a proof of debt them and XXXX XXXX failed to provide me with any of this information.
Product: Debt collection

I sent a medical dispute to the collection agency only to receive a pamphlet basically of copies of statements and bill of sale. No copy of license to collect in my state, no hippa form with signature, no copy of identification or social. Now this is in violation of hippa laws and they are trying to skate by. I know my rights. You have not proven the account is mine and being a lawyer is involved they should know better. I do not owe {$730.00}.
Product: Credit card

In XXXX I was informed that an airline schedule change had occurred, which appeared normal to me. When I realized that due to a schedule change, my seats might need to be selected again I went to the airline portal but the itinerary was messed up and the airline asked me to contact my travel agent ( capital one ). Upon contacting they helped me with details. I had 2 problems, 1 ) Why was the itinerary messed up and 2 ) Aircraft change from XXXX to XXXX. I requested for an upgrade. On XX/XX/XXXX I received an email from Capital One ( " Your flight details have changed '' ) which I will attach. According to this email, the XXXX segment of the flight is upgraded to first class. Given this official confirmation, I expect to travel on this itinerary but airlines still have my seat not upgraded. Since this is a problem for Capital One, I do not care how they fix it but I expect to travel based on the class mentioned in the confirmation email ( latest ). If they need to cover additional charges, they would have to as a particular travel itinerary has been confirmed to me, and I expect that to be honored. I do not expect to be charged extra.
Product: Debt collection

XXXX-Cavlary Portfolio Services XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX this debt was purchased from another account and I requested the original contract and account information otherwise requested this is deleted from my credit report. 

XX/XX/2022 Received a communication from experian that they are not removing this item but did not provide the requested information.
Product: Credit reporting or other personal consumer reports

Experian is reporting two charged-off account ( s ) within my credit report -XXXX XXXX XXXX XXXX XXXX XXXX I have received two separate 1099c in regards to both debts in which it is now security fraud for XXXX and XXXX XXXX XXXX XXXX to act on these two account ( s ). 

Experian is not following 15 USC 1681eb which is not ensuring the accuracy of the consumer report. 

I am requesting compensation in the amount of {$5000.00} per violation and the account ( s ) to be Blocked and Removed.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed the account XXXX XXXX XXXX opened in opened in XX/XX/XXXX with a balance of {$1800.00} was previously disputed and found to be a fraudulent account was put back on my credit report which violates my rights under the Fair Debt Collections Practices Act ( FDCPA ). I also noticed that I previously disputed the accounts XXXX opened in opened in XX/XX/XXXX with a balance of {$8800.00} and XXXX Opened in XX/XX/XXXX with a balance of {$4400.00}, which I asked to be legally removed within XXXX business days due to Inaccurate reporting across all bureaus, identity theft, and deficiency balance claim.
Product: Mortgage

I acknowledge receipt of JPM letter in response to claim # XXXX regarding JPM 's failure to disclose the type of loan they were granting and whether or not I had options. 
In search for reducing my monthly payments and since JPM was my current lender at the time after refinancing my loan in XX/XX/XXXX, I approached them to inquire about the loan rates ( since I had noticed that they had been going down ) and shared my need to reduce my monthly payments. I recall the rates to be below 4 % ; however, this was not granted to me indicating that they were not available or something,,,, Chase letter seems to indicate that they did a great job by reducing the rate ; however, in order to reduce XXXX bps of the rate, the loan term increased from 20 years to 30 years after having paid closing costs 2 years before as JPM refinanced my loan in XX/XX/XXXX. Original loan was obtained thru XXXX in XX/XX/XXXX. The loan amount also increased due to new charges,,,, all in all JPM fails to indicate that the refinance did not in effect reduce my debt but rather increased it in every way by total amount of debt and term! 
JPM failed to explain, at the time, that there was a special program from which I could benefit and/or I could go to a different institution. 
Although the documentation presented to me indicates that it was a HARP loan,,,, THIS WAS NEVER DISCLOSED TO ME!! 

I needed to reduce my monthly payments and accepted the terms because I WAS UNDER THE IMPRESSION I HAD NO OTHER OPTION,,,, should JPM would 've been forthcoming with the correct information, JPM would 've complied with its fiduciary responsibility to provide a non discriminatory loan which I certainly feel that it was not the case. 
Furthermore, the malice intent, in my mind, further lies on the fact that JPM 's representative continued their failure to effect proper disclosures by not even leaving signed documentation at closing and later continue to indicate that JPM does n't sell the loans only provide full disclosure of note holder when I press for a copy of the note. 
I have never been late with my mortgage payments and have always tried to pay extra in an effort to reduce the loan as much as I could, even during very financial difficult times. JPM needs to look at their records thoroughly. 

I do strongly request that JPM make it right by reversing the rate to what it should 've have been. 

I need copies of all the signed closing documents for this loan. 

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

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PHONE ACCOUNT NUMBER XXXX REFERENCE NUMBER XXXX DATE OF DEFAULT : XX/XX/XXXX SCHEDULED LAST PAYMENT XX/XX/XXXX PAYMENT {$50.00} NO PAYMENT ARE REFLECTED ON XXXX CREDIT REPORT NOR HAS ANY OTHER PAYMENTS HAVE BEEN POSTED MY BALANCE SHOULD BE APPROXIMATELY {$130.00} AT THIS TIME NOT {$850.00} BALANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CELL PHONE XXXX XXXX XXXX HOME XXXX XXXX XXXX I WISH TO HAVE HIGHER SCORES ON MY CREDIT REPORT THANKS IN ADVANCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a 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 an 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 or 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: Debt collection

There account reporting in my credit Records was already discharge in Bankruptcy. I ask you to remove them because they affecting my credit records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received letters/emails from several companies stating that they have denied my application.

1. XXXX XXXX XXXX XXXX for XXXX # XXXX dated XX/XX/XXXX. Letter and email. 
2XXXX XXXX XXXXXXXX for XXXX XXXX XXXX XXXX XXXX # XXXX dated XX/XX/XXXX. Letter and email. 
3. XXXX XXXX, XXXX, XXXX XXXX dated XX/XX/XXXX email. 
4. XXXX dated XX/XX/XXXX email. 
5. XXXX XX/XX/XXXX email. 

I have notified all of these companies as FRAUD. These have all be denied or cancelled. The one for XXXX XXXXXXXX was a Hard inquiry through Experian. They also have been notfied. I have changed most all of my passwords for various accounts.
Product: Money transfer, virtual currency, or money service

I arranged for a transfer of funds from Marcus ( Goldman Sachs ) to a XXXX account. I linked my account at XXXX by providing them with my login details and initiated the transfer. Marcus put a hold on the funds and did not call my cell phone ( despite indicating that they did ) due to 'potential fraud activity '. When I called Marcus to indicate that it was an actual transfer from me, they had returned the funds to themselves. Upon verification of my identity they did not seek to reinstate the transfer, which has resulted in lost interest revenue on my account.
Product: Debt collection

Below is my statement send to the FCC on XX/XX/XXXX that XXXX have yet to respond to ; also the XXXX and his debt XXXX have been falsifying the due date of the debt in their statement by moving up the due date every month. 

Lastly, my mane is XXXX XXXX XXXX I am a XXXX XXXX XXXX XXXX XXXX  ) ; it has become exhausting to keep requesting that XXXX and/or all other parties to stop referring to me as XXXX XXXX 

Ref : FCC ticket ( # XXXX ) I understand that the main aim of the FCC is to foster communication between consumers and companies, but there comes a point when someone needs to intervene and provide assistance. XXXX appears uninterested in addressing my concerns, as their staff simply keeps recycling earlier responses in an effort to tire me out. Moreover, despite my multiple corrections, employees at the Verizon executive office continue to address me as XXXX XXXX even though I am a woman ( cisgender, born female ). This type of insensitivity played a role in my decision to file an initial discrimination complaint because an employee named XXXX mocked my name and derisively referred to me as a " low-class person. '' In their response, XXXX repeatedly emphasized the credits they had issued for my account. However, these credits only rectified charges that should never have been levied in the first place. Regarding international pass fees, I informed XXXX back in XX/XX/XXXX that I had no intention of using their wireless network during my travels, and their international pass charges do not include an opt-out feature. Consequently, when they charged me again in XX/XX/XXXX and tried to portray this as an act of generosity, I found it preposterous. 

Notably, XXXX appears to pick and choose which inquiries they wish to address. They have not explained why they sold my account to a collections agency before issuing the final bill or responded to concerns about discrepancies between the store 's listed device prices and what I was charged. Furthermore, the sales representative refused to sell me the device outright and pressured me into accepting a lease agreement. The more I think about it, the more convinced I become that this approach is designed to steer and trapped customers in a XXXX lease. 

XXXX is well aware that they billed me for two phone lines even though only one device was delivered ; neglected to apply trade-in credit for seven months ( and currently refuse to apply the remaining balance to my final bill ) ; charged me repeatedly for international passes without an opt-out option ; and consistently failed to honor the 15 % discount advertised to my employer. Despite all this, the company seems to believe they are justified in mistreating customers for 36 months by forcefully denying them device ownership and directing them into lease agreements. 

I believe I have been more than fair in my requests by asking XXXX for trade-in credit and an itemized final bill that breaks down device charges and service fees. Regrettably, their executive office staff has exhibited dishonesty in their responses to the FCC.