23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

" Your agency is in violation!

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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$1300.00} XXXX - XXXX XXXX XXXX XXXX - XXXX {$10000.00} XXXX - XXXX XXXX  - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i received a letter in early XX/XX/2022 from both company oportun and XXXX stating that my application for a credit card was denied. I have never requested or made a credit card application to either company.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive sent multiple letters to remove this 7 years and 6 month year old charge off account with a balance. on XXXX and XXXX XXXX  XXXX XXXX, Account Number : XXXX this account is a charge off with a balance of {$550.00}. A charge off means XXXX  XXXX XXXX  has written it off already and has been paid. It is inaccurate for there to be a past due balance if it is a charge off.Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 168li ( 5 ) this accounts in violation not reporting 100 % accurate. Another reason you must delete.

Also this charge account was opened XXXX  XXXX, XXXX, that was more than 7 years ago this means the charge off by law must be deleted. 
Also I respectfully Contacted XXXX XXXX XXXX  and requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.They have not been able to provide such proof to me therefore you are reporting misleading false accounts.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not. I can only validate this debt. I do not wish to validate this debt. The item must be deleted from the report expeditiously. I have listed over 5 consumer laws you are violating.. 

also there is unauthorized inquires on my reporting that i did not give permissible purpose for and most be deleted. 
XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX BANK XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I was approved for auto financing through XXXX XXXX XXXX. On XXXX XXXX, XXXX, a contract was signed between myself and XXXX XXXX in XXXX Texas and XXXX XXXX XXXX was the financing company. 

On or about XXXX XXXX, XXXX, I was informed by XXXX XXXX XXXX that XXXX XXXX of XXXX XXXX retracted the contract. When asked why, XXXX stated that my social security number was invalid and he therefore could not sell me the vehicle. 

However, after I requested that he put it in writing, several inquiries appeared on my credit report for auto financing. 
I never agreed nor authorized XXXX XXXX to apply for any credit. I was already approved through XXXX XXXX Bank and the contract was signed on XXXX XXXX, XXXX. 

Please review attached
Product: Mortgage

ii WAS CHARGED FOR FLOOD INSURANCE EVEN THOUGH I SUBMITTED PROOF THATWAS ACCEPTED BY THE COMPANY, BAYVIEW LOANS. 

THIS IS PREDATORY!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Checking or savings account

I have not received my money since Thursday no one answered the phone when call but nobody answers. I have payments due late fees are going to pile up and my money has still not been deposited into my account. Im running out of money available in my account and I cant make my payments on time due to this issue. 
Start date XXXX capital one bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following items to be errors. I've been trying to submit my disputes to the credit bureaus but they seem to be ignoring my complaints.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX has charged off/written off as bad debt and is reporting this on my consumer report! The IRS has classified A CHARGE OFF AS INCOME and INCOME can not be reported on my CONSUMER REPORT i have disputed this with all of the credit agencies and XXXX XXXXXXXX continues to list a charge off on my report i have filed a 1099-a and a 1099-c for this charge off and it was excepted by the IRS so XXXX XXXX is illegally reporting what is considered income on my consumer report THIS IS CAUSING HARM TO MY REPUTATION AND ABILITY TO GAIN ANY KIND OF CREDIT
Product: Debt collection

Opened : XX/XX/2012 ( 5 yrs, 8 mos ) Amount : {$460.00} Account status : Open Individual : Medical Original Creditor Name : XXXX XXXX XXXX XXXX   XXXX need to investigate this company too ... 
I have no idea what's XXXX XXXX XXXX XXXX. I checked it on XXXX, the area where this hospital is, I live 2 hours away from it. I contacted XXXX XXXX XXXX which is the debt collector, I told them I have no knowledge of these charges. They refused to remove them from my credit reports.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Someone tried to apply for multiple account using my information. XXXX system report has multiple fraudulent items from name, addresses and inquires. I contacted XXXX and they refuse to conduct a through investigation without a CFPB report. 
Fraudulent Name : XXXX XXXX Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX Fraudulent Inquires : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on thisXXXX XXXX XXXX XXXX XXXX  for months.XXXX   and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Debt collection

Discover bank closed an account I had open since 2013 and reopened it under a new account number to get out of the statue of limitations. The falsely reported the info on this new account they opened.
Product: Debt collection

There is no option in the TSI IVR to wait for an agent. Whether you call within regular business hours or not ( I have done both ). The only option is to call back or to leave a message. I have left 4 messages, clearly stating my name, contact information and account numbers, most recently on XX/XX/18 and XX/XX/18. I have never received a call back. I have contacted the creditor in XXXX and again XX/XX/18 to confirm that the debt was paid, they said they were escalating to get it removed from collection, however I continue to receive notices. On XX/XX/18, the creditor confirmed that the account was taken out of collections in XXXX however I continue to receive collection notices, the most recent being dated XX/XX/18.
Product: Credit reporting or other personal consumer reports

Capital One Auto Finance reported late payments to my credit during Covid-19 pandemic. The CARES Act was put in place to protect consumer credit during the national crisis. I'm asking all late payments reported during the CARES Act credit protection period be removed from credit report.
Product: Checking or savings account

They closed my account well I was still getting unemployment. I owe the state over 2000 and have no clue where it went.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are not complying with their own policies in a timely manner.
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX  XXXX XXXX {$36.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX 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 XXXX  XXXX have 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

Received collection notice from Midland Credit Management regarding amount owed to XXXX XXXX MCM Account number ( XXXX ). I have never had an account with this agency. I sent several letters to Midland requesting that debt be verified. Midland response did not provide proof of debt. The company could not provide any legal documents bearing my original signature on application with the company binding any legal obligation. I did not give permission to any creditor for my HIPPA information to be sold from to a debt collection agency. I have requested that Midland Credit Management remove this negative item from all credit reports as derogatory debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please delete the account, or inaccurate information, from my file immediately & send me the results to the address. 
XXXX XXXX and XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The XXXX under the Fair Credit Reporting Act ( FCRA ). 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, CA 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 CCB/Bridge IT Inc .

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

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 conviction of crimes which antedates the report by more than XXXX years. 

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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any person reporting agency if the person knows or has no reasonable cause to believe that the information is accurate.
Product: Debt collection

This debt is a debt that I paid until I found out that I have the right to have the debt XXXX via remittance coupon method. They then took remorse against me by closing the acct and charging the debt off placing it into collection. They have reported the collection acct with a pass due amount of {$9200.00}. This is a violation of the FCRA and also in violation of requisite XXXX Complaint reporting standards. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX Compliance regulations. I have the right to a fair and accurate credit report. 

In addition, according to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) is also a violation of requisite ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am requesting that the following items be removed from my credit report immediately because I was informed that I had the opportunity to opt out I was not given the opportunity to opt out and according to 15 USC 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never gave consent ( written instructions ) to report collections, charge offs, late payments to my credit report.
Product: Debt collection

On    XXXX   XXXX  , 2017   , I sent a letter to A ccount Resolution Service  to send me information on collection accounts on my credit report for {$1200.00} and {$980.00}. They are on my credit report as medical accounts. I asked ARS to get me the doctors visit registration sheet copy for those  two  accounts. When I go to a doctor, they give me a sheet to fill out in which I write all my personal information and my insurance information. I requested a copy of the those documents because this will show them that I did provide insurance, therefore those accounts should not be in collection and should not be on my credit report. In response they sent me a letter on   XXXX   XXXX  ,  2017   , stating that they confirmed there 's an outstanding balance, however they did not send me the signed documents I requested. On   XXXX   XXXX  ,  2017 , I replied to them that their response is not a verification of debt and again I requested the medical office documents. As of today   XXXX /2017   , they have not replied. The letters ARS sent me is showing the creditor name "  XXXX   XXXX   XXXX   XXXX   XXXX  '' which I do n't know who they are, the letter does not show the Doctor 's name or address, just an invoice number and a balance. How can I investigate where this debt is coming from, if they are billing me without telling me which doctor 's the invoices belong to.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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: Debt collection

In 2015, while I was stationed in Alaska with the XXXX XXXX, I was given a directive by my chain of command and my commanding officer to move from my apartment in XXXX ( XXXX XXXX, where my " debt '' is allegedly from ) after my son was born, to which I gave notice to the apartment complex. 

We moved back onto XXXX XXXX XXXX XX/XX/2015, and my wife successfully closed out our apartment with the staff. 

We have been receiving telephone calls ever since from predatory collection employees, one of whom made threatening statements to my wife over the phone about damaging our credit reports, having 24 hours to pay the amount quoted to her on the phone, often from spoofed area codes mirroring ours.

To this day I have never received paperwork pertaining to this supposed debt, and I PCSed to another state two years ago. 

My credit report is otherwise immaculate, but IQ Data International had other thoughts, I suppose.
Product: Debt collection

I was just sent a Request For Entry of Default and Judgment by the law firm representing a credit card company. The amount is {$2300.00}, and the date of " complaint or cross-complaint filed '' as XX/XX/XXXX. The date of this letter was XX/XX/XXXX. 

I previously wrote the company explaining to them that I was XXXX, on judgment-proof XXXX, and unable to pay this bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Factor Trust XXXX XXXX XXXX is violating 15 U.S. Code 1611. This organization is also violating 12 CFR 1022.142, by wilfully and knowingly refusing to block adverse information per 605C. 

Factor Trust XXXX XXXX XXXX has chosen to continually use Abusive False and Misleading practices in its DATA FURNISHING of XXXX XXXX, the federally protected consumer 's credit profile. 

XXXX XXXX latese abusive act has tipped the scales of egregious Factor Trust a branch of XXXX claims not to have any record of XXXX XXXX 's XXXX as provided to them, being part of the requirements of 605C dispute process. 

The attached exhibit will prove that XXXX has a record of XXXX XXXX XXXX XXXX XXXX the natural presence credit profile information because they are currently reporting adverse information in his credit profile. It is for that reason we are lodging a complaint, it is for that reason he is seeking remedy for their injury to him.
Product: Student loan

I previously made a separate complaint regarding several issues including a lack of billing history, duplicate payments being taken and not applied, and incorrectly capitalized interest. Mohela has resolved the duplicate payments and provided an audit of my account, however it's been two months since my original complaint and 30 days since my original complaint was closed and I have not heard anything from Mohela regarding the interest capitalization.

In addition, the billing statements I receive only show a portion of the total amount I owe, and this month one of my loans was just listed as not due for payment for seemingly no reason. My monthly payment is around {$450.00} according to the website, but the statements I receive show a XXXX XXXX monthly payment.
Product: Credit reporting or other personal consumer reports

I have disputed with this creditor in XXXX I request banks transactions is proof that I was late the creditor never sent the proof it took 30 over days to perform investigation theyre age my account they didnt verify the date last active they failed to do an update the creditor has illegally reagon my data late active from XX/XX/XXXX XX/XX/XXXX Equifax is missing date active and is unverifiable equifax failed to do update my account my account and so a proper investigation the creditor last reported to my account XXXX even though my last dispute XX/XX/XXXX today date is XX/XX/XXXX I have not received update or re investigation from this creditor just remark on my account