23daVinci/CFPB_Complaints huggingface dataset:
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 Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and 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 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: Vehicle loan or lease

I have contacted Ally by phone and by mail ( 3 registered mail with return receipt ) regarding fraud on my account and I have no response.
Product: Debt collection

XXXX  Transferred Ch.  XXXX  filing originally filed in  XXXX   XXXX  from  XXXX , Ga  (   XXXX  &  XXXX   )  to  XXXX , Fl (   XXXX   XXXX   ) . [ The balance transferred was {$4.00}, 200 ]   XXXX  Received a notice that Mortgage transferred from   XXXX   XXXX   XXXX    t o  Caliber Home Lo ans.      XXXX  Represented by the  XXXX   XXXX   XXXX  who REFUSED  to pr ovide me with a creditor list and amounts. Was told that the bankruptcy process is too complex for me to understand and I must pay what they tell me  ( withou t them providing me with a detailed summary ).      XXXX  Terminated my relationship  XXXX   XXXX  ( approved by  XXXX   XXXX   XXXX .      XXXX  Received detailed claim from the  Trustee  's office. The detailed list reflects Caliber with a total claim of {$77000.0 0} ( {$60000.00}, {$12000.00}, {$4300.00} ).       XXXX  Requested support fro m Caliber   (   XXXX   XXXX   XXXX   XXXX   ) since NO d ocuments were filed to support the {$77000.00} claim.      XXXX  Received a proof of claim in the form of a loan modification document with an as of date of  XXXX / XXXX / XXXX , but, still NOTHING to support the {$77000.00} claim.      XXXX  Court hearing to review creditor claims, focus on this claim fo  XXXX   XXXX   XXXX   XXXX   XXXX    ( Caliber Home Loan ). No document on file to support the {$77000.00} claim. Ordered by    XXXX   XXXX  to obtain support for the claim so that the {$77.00},    XXXX    can either be paid or dismissed for this bankruptcy ( next court date  XXXX   XXXX ,  XXXX  ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been reporting late payments on my credit for two years On XX/XX/XXXX they had them removed XXXX late payments on XX/XX/XXXX Equifax and XXXX ended my dispute against XXXX stating that XXXX verified the payments as correct and they were all put back on my credit cause a huge drop then they reported it as when they did there monthly reporting it deleted the past due payments however I have documentation from Equifax and XXXX stating that isnt the case thay XXXX  verified the debt as correct and put the late payments back on I believe XXXX is in the middle of a cover up I would like to file a complaint against XXXX Equifax and XXXX for breaking the law and putting fraudulent information on my credit I would like a full investigation
Product: Debt collection

This company has called past co workers, childhood friends, and mother in law. Some of these people I have n't spoken to in years nor know their phone numbers myself.
Product: Debt collection

Troy Capital , LLC purchased an old auto loan debt in XXXX. Troy Capital , LLC never reported the said debt to any of the credit bureaus and made no attempt to contact me or collect the date prior to filing a lawsuit in small claims court. I was properly served paperwork around XX/XX/XXXX. As far as I can tell, filing a lawsuit without reasonably attempting to collect the debt is a violation of FAIR DEBT COLLECTION PRACTICES ACT As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Section. 809 ( d ) The original court date, XX/XX/XXXX at XXXX at XXXX XXXX XXXX XXXX, XXXX, IL, XXXX, was rescheduled for XX/XX/XXXX. It was filed XX/XX/XXXX and sent through USPS. It did not arrive at my house until about two weeks AFTER the court date. 
I then received another letter through USPS that a NOTICE OF MOTION has been filed for XX/XX/XXXX at XXXX to enter default judgement against me ( the defendant. ) I attempted to contact Troy Capital , LLC and they referred me to their attorney at XXXX XXXX. I explained my situation and offered $ 100 monthly payments starting immediately to which they countered $ 150 monthly payments. I have since contacted an attorney to further pursue these matters.
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 US DEPT. OF EDUCATION/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: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Experian XXXX XXXX XXXX XXXX, TX XXXX The information you see above is my most up-to-date personal information per the FCRA and Metro 2 compliance reporting standards ; if what you have on file for me doesn't match what's listed then there are problems with either your records or those who provide them for verification purposes because these two sets of rules must be followed precisely in order maintain accuracy when dealing with transactions like mine ( and others ). Therefore, please remove all personal information on file that does not match what I listed above. Furthermore, I want you to confirm the data you have on file. I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681 I ) and METRO 2 compliance criteria. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently and as of now! I will also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX Summary of Inquiries being challenged in list form XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/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 ) XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Bureaus-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$960.00} XXXX The accounts listed above do not belong to me, I didn't apply or use these accounts.This was fraud that was committed in my name. I need this removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. XXXX - XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Product: Money transfer, virtual currency, or money service

XXXX let me recieve a card
Product: Mortgage

The mortgage company, Bank of America, requested an IRS Form XXXX to verify tax information. We completed and signed that form. I later received correspondence including a copy of the form the Bank submitted, from the IRS requesting contact to their identity theft department. When I compared the original form to the one submitted by the bank, the original had been altered. The requesting third party had been changed but our signatures still appeared on the form.
Product: Credit card or prepaid card

Maybe the CFPB has some authority here. The credit card processor for my small business has adopted XXXX  noncompliance fee policies and procedures that are causing harm to the small business community. Hopefully I can upload the full explanation, but in short, my card processor, Global Payments Inc., charged my small business {$16000.00} in punitive non compliance fees. These fees amounted to over 5 % of card receipts at one location, and .8 % of card receipt across 8 locations. The fees have no relationship to any meaningful measure of risk, like card receipts, customer volume, my companies polices and procedures, it's legal structure, or whether my company even retains customer cardholder information. To put the size of the fees into perspective, the XXXX XXXX XXXX permitted processors to charge a fee of XXXX of transaction volume for debit card processing, inclusive of XXXX XXXX 's for fraud loss, and .01 % per transaction for fraud prevention costs. Global Payments PCI non compliance fees alone are four times than the total fee for processing a debit card payment. The fees are XXXX times higher than the risk related fees allowed by the XXXX XXXX XXXX for debit card processing. 
Global Payments charges duplicative fees, one for being non compliant, and one for not completing the compliance process. Moreover, consider this example, XXXX 's fee structure is such that my small business, with it's annual {$1.00} XXXX in credit card receipts, pays penalty fees that are 8 times higher than a company with {$400.00} XXXX in annual credit card receipts but a single merchant number. 
XXXX gave little warning of it's fee policy, listing it in small print in it's XX/XX/XXXX statements. It initiated charges in XXXX of XXXX. It's first outreach to me, by email, was in XXXX, 18 months after it started charging. 
XXXX says it has hundreds of thousands of small business customers. If they had XXXX small business customers, and charged them the same way they charged my company, XXXX would generate {$130.00} XXXX in revenue a month, or {$1.00} XXXX a year. These fees are a tremendous disincentive to XXXX to support it's small business customers to help them become PCI compliant. The timing of their first outreach to me is further evidence of this conflict.
Product: Debt collection

XX/XX/2020 I called XXXX XXXX Associates. Not once during the call was I told this was an attempt to collect a debt.
Product: Debt collection

I keep receiving a letter from Credit Control , LLC and they keep asking me to pay an alleged debt that I have no information or recollection of. This information is hurting my credit report and is false and misleading. 
According to 15 USC 1692e False or misleading representations a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. This debt is not validated after multiple validation requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$530.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$47.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX  ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXX/XXXX ( XXXX Opened : XXXX. XXXX, XXXX, XXXX : {$0.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Checking or savings account

I opened an account in late XX/XX/XXXX with two promotions attached to my account. " Receive direct deposits of {$2500.00} or more within 60 days of opening your [ checking ] account to earn a {$300.00} bonus. '' and " Deposit {$20000.00} or more in new money [ in your savings account ] within 20 days and maintain that balance for 90 days. '' Both terms of the account bonus were met. I received the savings bonus in XX/XX/XXXX. However TD Bank is refusing to honor the checking bonus because I had a checking account that was closed in XXXX. More specifically, a customer service representative said that TD Bank looks back 7 years for accounts. The terms and conditions of the bonus address this, however TD Bank is refusing to honor their own terms. 

" Checking offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months and complete the required qualifying criteria '' The exact wording and full terms can be found in the attachment. 

Similar language can be found on their current promotions page, which I assume they are also not honoring for other customers : https : XXXX I did not have a prior personal checking account at TD Bank within the preceding 12 months, so I should be eligible for this bonus.
Product: Credit reporting or other personal consumer reports

It has come to my attention that despite my relentless efforts to rectify the fraudulent accounts on my credit report, you have failed to provide a reasonable solution. These accounts continue to plague my financial life, and I can no longer tolerate your blatant disregard for the law and your duty to consumers. 
I want to make it abundantly clear that I have taken every conceivable step within my power to rectify this situation. I have submitted detailed disputes, provided substantial evidence of fraud, and diligently followed your prescribed procedures. 
Your persistent refusal to take action to correct this grave injustice not only violates my rights but also exposes your agency to serious legal consequences. Under the Fair Credit Reporting Act ( FCRA ), it is your solemn obligation to ensure the accuracy and integrity of the information you report. You are legally required to conduct thorough investigations when a consumer disputes the accuracy of any data on their credit report. 
I insist on the immediate and unequivocal removal of the following fraudulent accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Student loan has been taken over by XXXX XXXX  and they have been lying about everything. 
They never explained me about forbearance and they keep putting forbearance on my account by making false allegations that they explain me what forbearance is. 
They never explain me about Forbearance and also, they never explained me that my interest would be capitalized. 
They also, falsely reporting to credit bureau about my late payments because of which I have bad credit. 
When I asked them to send any letters or records, they asked me to get subpoenaed and they always talk in threatening way and told me that they will report to credit agencies. 
When I asked them to open an investigation, they never did, they asked me to get my lawyer every time I asked any clarifications. 
Once time I wanted to pay off their loan by taking another loan, but they refused to take my payments and then put Forbearance again, because they wanted to collect interest on my loan fraudulently. 
I need immediate help as I am feeling depressed because of their behaviors and my personal life being affected badly.
Product: Debt collection

I received treatment at a medical facility in the summer of last year. Multiple charges were incurred and my insurance carrier paid all but XXXX or XXXX. The ones they did not pay were coded incorrectly by the medical facility so they were declined ( I was completely unaware ). I was contacted by the debt collector almost 8 months after I received the treatment. They actually contacted my wife and I called them back immediately. I disputed the debt and asked that they provide me with some information so that I may contact my insurance company and get the matter resolved. I was completely unaware of the debt, but was willing to resolve it as it should have been paid prior to collection. The information that they mailed me was a XXXX page document with absolutely XXXX details on it. After several conversations with the insurance company, they indicated that they would contact the medical facility and would be reprocessing the claim. In the meantime, I had asked the debt collector if this information was going to be reported to the credit bureaus. They assured me that no reporting would take place, especially considering the billing situation and the fact that I was disputing the debt. They lied. In XXXX of this year, they reported the debts. As a result, my credit scores have fallen XXXX points. This is completely false and deceptive. I have never received another communication following up on the dispute or trying to check the status on the insurance claim. I updated my address and phone number with them. There is no excuse for zero communication and immediate negative reporting on my credit bureaus. I am demanding that these debts are removed while the insurance company works through the billing. Had the medical facility properly coded the services and had the debt collector communicated properly, I would not be in this situation. I feel completely powerless here. I worked hard for years to keep my credit scores above XXXX and to lose XXXX points because of this incompetence is unacceptable.
Product: Debt collection

On XX/XX/20 ERC received that I sent a debt validation letter that was sent by me on XX/XX/20. The debt validation letter requested that the collection agency provide me with the required information for debt collection in Texas based on the Texas Financial Code. The agency failed to respond to the request as required within 30 days in ordinance with the Texas Financial Code by Sec. 392.101. I called ERC on XX/XX/20 for a resolution and spoke to an male agent who confirmed the information was not sent and asked me what information I wanted I told him that they did not provide the requested info in the required time frame and I would only like for the information to be deleted at this point, he then transferred me to the escalation department who hung up on me. I called back and another agent told me they can send it out then changed the story to say they believe XXXX  sent the info out on XX/XX/20. Even so they had 30 days to respond to this matter and failed to do so. The Texas Financial Code Sec. 392.101 requires debt collections to provide the following information to validate debt : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector An authorized agreement that shows obligation for any interest, charges, fees or expense incidental The original balance The current balance Any fees added by your agency.
Product: Debt collection

Re : Request for Debt Validation Account XXXX Dear JEFFERSON CAPITAL SYST I am writing to formally request validation of the debt you claim I owe, as provided under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g , and the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2 ( a ).

It has come to my attention that you have reported an account to the credit agencies that appears on my XXXX report. I am disputing this debt as I believe there has been a violation of consumer protection laws. 

In accordance with 15 USC 1681b ( e ), I request the following : The original signed contract : A copy of the original signed contract that verifies my agreement to the debt in question, including my wet signature. 

Assignment of Debt : A clear documentation of the assignment of this debt from the original creditor to your agency. 

Proof of proper reporting : Evidence that you are legally able to collect this debt. 

Please be advised that under 15 USC 1692c, you are prohibited from communicating with me in any way until you have validated the debt as requested. 

If I do not receive validation of this debt within 30 days, I require that you cease all collection efforts and remove any negative reporting regarding this matter from all credit reporting agencies, including XXXX, XXXX, and XXXX. 

Please send all correspondence regarding this matter to my address listed above. I look forward to your prompt response so we can resolve this matter swiftly. 

Thank you for your attention to this serious issue. 

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

The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX balance : {$630.00} Please remove it from my credit report this account is not mines never belong to me remove it from my credit report