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

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX on XXXX and account # XXXX on XXXX ( different account numbers ), XXXX XXXX Account # XXXX, 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
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XX/XX/year> PORTFOLIO RECOVERY Associates , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Subject : Dispute of Collection Account and Violation of Consumer Rights To Whom It May Concern, I am writing to dispute the collection account that has been placed on my consumer report by your agency, as well as to assert my rights under relevant consumer protection laws. 
Firstly, it has come to my attention that your agency has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this omission, you have proceeded to report this collection account on my consumer report, which constitutes a violation of my rights under federal regulations. 
Furthermore, I have not been afforded the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide me with the necessary avenues for dispute resolution is a clear violation of consumer protection regulations. 
Moreover, I assert that your agency is engaging in false, misleading, and deceptive practices by reporting this collection account without adhering to the requisite legal standards. This conduct violates my consumer rights and undermines the integrity of the credit reporting system. 
Additionally, I dispute any and all ownership of the alleged debt to your agency. I hereby revoke all rights of communication with me via phone, text, or email. Henceforth, all correspondence must be conducted through written communication sent to the address listed above. 
In accordance with my rights under the law, I demand that your agency provide validation of the debt, including the purchase agreement between your agency and the original creditor. Furthermore, I request proof of your agency 's licensing and bonding, as required by law. 
Failure to comply with these requests within the legally mandated timeframes will result in further action to protect my rights as a consumer. I expect a prompt and thorough response to this dispute letter. 

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

Experian Credit Bureau lists one of my previous addresses as : XXXX XXXX XXXX XXXX, XXXX, FL XXXX. This is incorrect. I have never lived there before. It was an old work address, not my residential address. Experian needs to delete this address from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Derogatory accusations including ALLEGED INQUIRIES must be Metro 2 compliant to retain or report so delete these not physically with proof of permissible purpose from the exactly and legally identified as me. I did not authorize you to report not proven compliant information and you must comply.. Delete inquiries made by XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX  , XXXX XXXX , XXXX XXXX   XXXX, XXXX/XXXX, XXXX XXXX XXXX
Product: Debt collection

I have filed an FTC report followed by dispute letters, which have been mailed out on XX/XX/year> regarding all accounts that are a result of identity theft. The bureaus affected by data breach have failed to provide proper validating documents pertaining to me owing this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of Late I seem to have a problem with all three Bureaus ( XXXX, XXXX, and Experian ) I contacted them all numerous of times on the inaccurate information being reported on my credit profile and the information still remains. I wanted to know what was the status on removal of the collection debt ( The XXXX XXXX Account : XXXX # # # # ) This account has inaccurate information across the board from the ( Opening date, Closing date, Last reported date, Name, and address ). This is in violation of 15 U.S.Code 1681i Procedure in case of disputed accuracy all information reported on any credit report should have 100 % accuracy when furnishing data. Also there are XXXX inquiries that are supposed to be removed as well however they are still on XXXX and is not on XXXX or Experian. The Inquiry Accounts were XXXX  XXXX : Report Number ( XXXX ), XXXX Report number ( XXXX ), and XXXX XXXX  XXXX Report number ( XXXX ). With that being said this is also a violation of his is in violation of 15 U.S.Code 1681b. This is causing detrimental harm to my credit report, life, living circumstances and according to FDCA 15 U.S. Code 1692k - Civil liability in the case of any action by an individual damage sustain by such person should receive not less than {$1000.00} and no more than {$500000.00} per violation. For my consumer rights being violated I will accept {$2500.00} per violation as compensation for my pain and suffering.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB, WHY DID YOU CLOSED ALL MY COMPLAINTS? PLEASE STOP AND MOVE IT FORWARD. 

TO WHOM IT MAY CONCERN : I am filing a complaint beside FCRA, fair credit and billing act but also HIPPA violation for 3rd party collection calling and asking questions about my medical conditions. I have no knowledge of these following accounts that appears on my credit report. Im exercising my right under the Fair Credit Reporting Act to request further information about items on my credit report and request under the fair credit and billing act for information on what give the companies the right to collect on these accounts. I am requesting full validation for the following account names as it appears on my credit report : XXXX XXXX XXXX XXXX acct # XXXX Original creditorXXXX XXXXXXXXXXXX XXXX Balance {$790.00} I wish to see the original sources of the information reported. If you cant provide me with this information, please remove these account or correct as in good standing immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 
Based on the FCRA and FTC Law, all information must be accurate, no errors and verifiable. 
Sincerely,
Product: Credit reporting or other personal consumer reports

I am writing to disputed account on my credit report that were made without my consent. Accordind to604 of the FAIR CREDIT REPORTING TO SECTION 15 U.S.C 168 1B, there are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report, account XXXX  XXXX, XXXX XXXX / XXXX XXXX
Product: Credit card or prepaid card

I made a payment of {$640.00} using my XXXX XXXX payment on XX/XX/2019. XXXX XXXX for some reason denied the payment although the funds were available. After noticing the payment was returned on the Capital One App, I called Capital One Credit Card to inquire on how can I make a payment that immediately make the funds available. Call was made on XX/XX/2019 at approximately XXXX XXXX. I was told by the customer representative to make a XXXX XXXX or XXXX XXXX  payment. Once payment was made call with a reference number and the funds would be available right away. The representative provided me with the XXXX XXXX information of Routing number XXXX and informed to include cc #, for XXXX XXXX use CapOne-VA with CC #. I complied and went to our grocery story to make a XXXX XXXX payment of {$550.00} at XXXX XXXX   on XX/XX/2019. I called approximately XXXX XXXX and after for the funds to be released. The funds were finally released and accessible by XXXX XXXX  XXXX at approximately XXXX XXXX. I was able to renew my rental agreement once the funds were available. 

XX/XX/2019 at approximately XXXX XXXX  I made an attempt to purchase flight tickets for me and my son. The website informed the credit card was invalid. I called Capital One Credit Card at approximately XXXX XXXX to inquire on why the card was invalid. I was informed that my payment was past due and the funds wasn't available. I explained the day prior I made a payment. I want to speak to a supervisor, as this is ridiculous. I was transferred to another department. The woman in that department informed me she spoke with her manager. The manager informed that the cycle had renewed and I was {$4.00} past due. I informed her of the {$550.00} payment made the day before. Therefore, the {$4.00} was paid and then some. The women informed her manager stated he could release the funds if I made the {$4.00} payment with a debit card. I needed the funds available and so made the requested {$4.00} payment. The woman placed me on hold to contact the department to release the funds. She returned only to tell me that due to the delinquency, and 4 returned payment they could not release the payment. I argued that those 4 returned payments should not be considered when I made a XXXX XXXX  payment as instructed the day prior. Those were guaranteed funds. The money should have never been placed on hold again. I requested to speak with a manager. At approximately XXXX XXXX  I was transferred to XXXX Capital Collections Sr Manager. Who stated again due to the new cycle, delinquency and 4 returned payments they were not able to release the funds. I informed XXXX that this information should have been provided the day prior. I could have kept the money in the account and purchased the ticket. I only placed on the card as I was informed the funds would be readily available. XXXX informed they were that day, but the cycle changed. I requested to speak to management over him. I was informed he was the last resort no call can not go any further. XXXX informed he will turn in the complaint, but no other person I can speak too.
Product: Debt collection

I have sent maybe 6 disputes to transunion about one collection on my credit and that collection open date is correct because the orginal creditor ( XXXX ) who I opened the account with on XX/XX/XXXX sold it to another collection agency ( XXXX XXXX XXXX ) and they changed the open date to XX/XX/XXXX and had a open balance and this debt is not new as they try to make it seem. I have disputed with XXXX and they have removed this error on my report but transunion will not remove this
Product: Credit reporting or other personal consumer reports

PURSUANT FCRA 605B ( 15 U.S.C. 1681c-2 ) TO FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) AND THROUGH 15 USC 1681 A-N Definition Exclusions of Contract and Civil Liability for Willful Noncompliance, I would like to see that all negative items on report by 1803 CAPITAL will be blocked due to fraud, identity theft, and items are on the consumer report that legally should not appear. Seeing that an unlawful attempt of a sort of theft and or fraud was attempted on my vehicle without proper advance notice of twenty-one days prior, a vehicle of equal or greater value will need to be returned to XXXX XXXX promptly . Handle within four business days or I will pursue civil litigation.
Product: Credit card or prepaid card

TO : Citibank Credit Card Disputes XX/XX/20 pages : 1 plus three attachments Card ending in XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX RE : Case XXXX XX/XX/20 {$99.00} XXXX XXXX Hello, I wrote you about above case and showed you my statements that this case was permanently closed in my favor months ago. I showed you in my disputes list 20 or so cases, this one included have mysteriously changed from closed in my favor permanently for months to CLOSED IN MERCHANTS FAVOR credit reversed dated XX/XX/20. 
Many others have been dated XX/XX/20 or XX/XX/20 and I send you the proof you notify me today XX/XX/20 of a letter in my e communications dated XX/XX/20 attached here as A that tells me exactly what I told you that the case was closed in my favor previously. Now check attachments marked as B and C on top in my disputes list today the same case shows closed in merchants favor XX/XX/20 credit reversed. 
This is a non stop issue and how can we trust any of these decisions when what is going on here please?

There are 7 credits I am due on this same acct that needed to be credited but something is going on very wrong here.
Product: Debt collection

Appeared in court with XXXX XXXX, for an eviction/ending lease. The judgement was ruled at {$980.00} on XX/XX/20. I paid amount in full as soon as I had the money and by the due date on XX/XX/20 and was posted on XX/XX/20. XXXX XXXX proceeded to send my debt to collections agency XXXX XXXX XXXX for {$2100.00}. When notified the collection agency I told them it was paid. They called XXXX whom proceeded to tell them it was not paid, they had the correct amount, and to report delinquency to the credit bureaus. I now have derogatory marks and a false amount on my credit accounts due to this. I called XXXX to settle this dispute and they just responded that they did see I paid. I would like both this erased from my credit all together.
Product: Debt collection

ok this is my second time I talked to this people XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX.. OK they called me today and tried to use scar tactics on me. They tried to get my information to verify a debt from 1991 this is illegal back dating of debt that's not minds.. I don't owe or have any idea of what they are talking about.. second when I didn't want to give them my information she got very aggressive with me and threaten me if I did not agree with the debt. So I asked her for the original contract with my name on it ... she said they don't have to provide that.. the fair debt credit act states they must verify any debt if I requested this debt be verified .. they have to have me signature on the original contract. or me on video signing the original contract or my ip address from my computer.. according to the fair debt collection act. they are in Violation of this act ... I want them to stop Harassing me stop with the threats ... I don't know how they got my information or who they brought this re aged debt from 1991 from but definitely not me.. stop selling my information. my name and credit is good now for years now and I don't owe anyone anything please help stop this scam and lie please..
Product: Mortgage

The lender approved a loan at a locked rate of 7.625 APR for an investment only to rescind the o # er on the final day of closing. When questioned, they cited that the property did not meet XXXX XXXX Guidelines due to the possibility of fractional ownership. However, there is no fractional ownership of said property, nor has then ever been fractional ownership, nor is it planned. Moreover, there have been conventional loans backed XXXX XXXX recently for the same condo complex. We also incurred costs for a property appraisal and multiple credit inquires. We believe the lender does not want to honor the credit rate that we locked in, since rates have risen significantly since then. We believe this is the reason they wanted to cancel.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen not one but two times in XXXX and again in XXXX. I've called the companies XXXX XXXX Fed, XXXXXXXX XXXX ) to report the fraudulent accounts. Within the years, Ive placed fraud alerts on my credit profiles and every time I dispute these items they still come back as verified and accurate. The credit bureaus recently told me to file an identity theft report with the FTC and they would investigate the accounts and remove them. I did that and again, the accounts came back as accurate and verified. I dont understand how they are verifying this with no proof of ownership of the accounts. I've asked them to send out original contracts with my signature on it and none of the companies were able to furnish that information.. A debt collector even attempted to sue me because of a debt that was fraudulently opened in my name. However, I after I explained to the judge my identity theft incidents and told him that I've continuously asked for the original contract with my signature on it which they were not able to furnish the case was dismissed and the debt collectors removed it from my credit report. This is illegal.
Product: Student loan

I contacted Navient thru a complaint with XXXX, my complaint stated that they had reported my student loan as in default for 90 days, when in XXXX I was contacted by a representative from Navient that offered me a forebearance and I excepted and they pulled my credit and I noticed it was approved because the interest increased on the loans, however 3 months after this is when I noticed the 90 days past due notice on my credit report and I contacted the XXXX  and complained, fast forward I spoke with XXXX XXXX Office of the Customer Advocate for Navient and she explained that my loans were not covered by the memo dtd. XX/XX/2020 from the Office of the President that stated loans would not be considered deliquent during this time til XX/XX/2020. After my complaint Navient placed my loans back current, however no sooner than the did this another month popped up delinquent effective XX/XX/2020. I was told by XXXX that she had placed the past due loan in forebearance but it would only last a month and to call if I needed it placed for the next month I told her I'd done that in XXXX, why do I need to call you every month to place a student loan in forebearance? I told her that none of my loans were in a pay status and that no loans were to become past due in accordance with the memo dtd. XX/XX/2020. Navient has unfair practices because she told me to call when the month was out and I did that and the representative, named XXXX that spoke with me was rude and stated I could not qualify for a forbearance and when I asked him why, and informed him that I'd spoken with XXXX and she said that I could call back and place the loan in forbearance, he immediately became aggressive and offended that I'd questioned him and hung up on me. Navient does not assist the student in anyway, their collection practices are sketchy at best.
Product: Credit reporting or other personal consumer reports

I am rejecting this response because : XXXX XXXX XXXX recent response to my complaint regarding inaccuracies on my credit report. 

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. 

Over the past several months, I have repeatedly contacted XXXX XXXX XXXX, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. 

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. XXXX XXXX XXXX failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. 

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. 
XXXX XXXX XXXX continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. 

I trust that the CFPB will take appropriate action to ensure that XXXX XXXX XXXX adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.
Product: Checking or savings account

I filed a dispute because someone stole my wallet after a car accident I had, was using my card while I was in jail. Ive tried several times to contact them to receive my money back. Cash app denied my claim even after showing them proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1800.00} XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX
Product: Debt collection

The beginning of the new year, I reviewed my credit report only to find and erroneous collection effecting my credit. Never once did I receive a letter of representation about this collection agency claiming I own XXXX XXXXXXXX XXXX money. 
I never opened a XXXX XXXXXXXX account, ever After speaking to my lawyer, he advised me to send a letter of dispute to the reporting collection agency that is reporting negatively on my credit report. This evening I received a garbage statement that tells me nothing. Nothing itemized, no contract with my signature, just a piece of computer paper that shows a balance owing This is not validating the debt. I want the original contract showing my signature, purchases, and payments made Again, as I stated earlier in this complaint, I never had a credit one account
Product: Mortgage

Because of the covid it has made me impossible to work, they moved 2 payments, after that I have been trying to make my payments and it has become very difficult for me, but I been paying. 
On XX/XX/21 I send a payment of XXXX dollars which has not been credited to my account and I received a letter saying that if I do not pay everything in full ( XXXX what is XXXX and XXXX payment ) in 30 days, the house would be put in forclosure. 
I have called them to try to fix something and ask for help, but it is impossible to come to an arrangement with them especially with Mr. XXXX who always has a bad attitude and said that they do not accept partial payments. I'm not asking to be accepted partial payments, I'm trying to pay my debt as much as I can. 
I'm a XXXX XXXX mother and she's in my residential house.And I know the contract and commitment I have, but when I wasn't there the covid my account was up to date I actually paid a little more than my monthly payment is. 
I don't understand how there can be people so inconsiderate that in addition to it taking advantage of the thing that you don't get financing with a bank and they finance you using interest so high, they want to take advantage of you and take away what little you've achieved.