23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Professional bureau of collections of Maryland has been trying to collect on items that have been discharged in a bankruptcy and closed. They constantly call me and have forced me into an agreement I did not want to sign as they stated this was the only way I could go back to school which is not true at all. They are trying to get me to pay XXXX and have been threatening and trying to intimidate me saying things like well we can just take you off and you won't be able to go to school. They are predators and should be fine and or closed. They are extremely aggressive and had I not known that I had the fair debt collection act on my side I would be terrified.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXXXXXX XXXX XXXXXXXX XX/XX/year> -- {$XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against Experian for knowingly and willingly committing violatons of my consumer rights. This information is inaccurate and very misleading and caused my credit score to drop significantly. Pursuant to U.S. Code 1681e ( b ) they should be reporting 100 % accurate information.
Product: Mortgage

TCF Bank holds a modification loan on my property as a second mortgage. The payments are not extremely large but being on a fix income and XXXX years old, there are times that the account will become one to two months behind. Every time two payments are scheduled online make the account current, the manager cancels the payment and lock the account. When I asked why this was done, he explained that the payment is scheduled for the XX/XX/XXXX of the month and is required no later than the last day of the month. If I don't receive my pension payment until the XX/XX/XXXX of the month, why not accept the payment scheduled online? The office stated that they will take a payment over the phone and hold it for five days. Well, if you will hold it for five days, why not accept the payment online? Why lock me out of the account completely and cancel the scheduled payment. This has been done to my account twice. Not to mention, the rudeness that prevails when explaining to them that I can't pay until the XX/XX/XXXX of the month. There must be a law against denying a payment especially when it is bring the account current.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( SYNCB/AMAZON ) XXXX ( XXXX ). Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX XXXX  opened XXXX XX/XX/XXXX incorrectly shows {$440.00} was written off. On XX/XX/XXXX - {$440.00} I paid " XXXX  XXXX ''. Please see attached bank statement. ( bottom of page 1 ) Please update the account as PAID in full, with nothing written off or delete the account in it's entirety. Thank you.
Product: Debt collection

I sent Santander consumer USA a right to rescind affidavit pursuant to 15 USC 1635 on XXXX rescinding the consumer credit transaction between the legal fiction and their company. The rescind was within the proper timeframe that federal law provides, which explains I can rescind any transaction before the third business day at midnight as long as I had intentions to do so. My intent to rescind before the third business day of the transaction was certified on the XXXX of XXXX which was the third business day of the transaction, see Cfpb receipts # XXXX. The company did respond to my affidavit but never rebutted the affidavit point for point under the penalty of perjury pursuant to 12 CFR 1102.33 ... according to 15 USC 1635 ( b ) ... 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. 

Next Santander sends me a bill with many fdcpa violations. First the contract was rescinded within the proper time. So any bills are fictitious instruments to collect on a rescinded transaction. Again a affidavit was sent addressing the fdcpa violations which under federal law a affidavit has to be rebutted point by point pursuant to. Again Santander failed to rebutt my affidavit point by point within the allotted 30 days. Notice of defaults with opportunity to cure were sent for both affidavits that they never rebutted. 
Santander has completely ignored both my affidavits, and proceeded to send me a notice threatening me with repossession and further damaging my consumer credit report. I sent Santander an estoppel by acquiescence regarding the account # XXXX For failure to properly respond/ failure to rebut either of the affidavits Point for point within 30 days. 
Ive seeked a declaratory judgement through notary public. If this account isnt handled properly I will take the matter to federal court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus did not verify inaccurate information
Product: Money transfer, virtual currency, or money service

My XXXX WAS COMPROMISED AND IT HELD THE INFORTION OF ALL MY PASSWORDS TO EVERYTHING AND MY IDENTITY HAS BEEN STOLEN AND IS BEING USED RIGHT NOW. I HAVE REPORTED IT TO MY BANK XXXX BUT HE STILL WAS ABLE TO ACCESS MY ACCOUNT I REPORTED TO CASH APP AND HE STILL HAS ACCESS I REPORTED IT TO XXXX AND MY PHONE ENDING IN THE NUMBER XXXX IS STILL COMPROMISED I REPORTED IT TO XXXX I ALSO REPORTED IT TO IRS AND SOCIAL SECURITY AND XXXX AND MY KIDS HAVE BEEN REMOVED BECAUSE OF THIS SITUATION. IVE CALL THE POLICE NUMEROUS TIMES SINCE XX/XX/2022 AND JUST GOT A REPORT WRITTEN TODAY ALL THE OTHER POLICE THAT SAID THAT THEY WROTE A REPORT LIED I LET XXXX KNOW BECAUSE THEY ARE BUYING AND OPENING THINGS IN MY NAME AND MY KIDS. PLEASE HELP
Product: Credit reporting or other personal consumer reports

Please remove these fraudulent accounts from my TransUnion credit report. 

1. Please remove this account from my credit report.

National Credit Adjust ( nca ) Account Type : Collection Date : XX/XX/XXXX Balance : {$280.00} 2. Please remove this account from my credit report. 
XXXX XXXX XXXX XXXX Account Type : Collection Date : XX/XX/XXXX Balance : {$3600.00} XXXX. Please remove this account from my credit report. 
XXXX XXXX XXXX XXXX Account Type : Collection Date : XX/XX/XXXX Balance : {$5700.00} XXXX. Please remove this account from my credit report XXXX XXXX Account Type : Charge Off Date : XX/XX/XXXX Balance : {$110.00} XXXX. Please remove this account from my credit report. 
XXXX XXXX XXXX XXXX XXXX  Account Type : Closed Account Date : XX/XX/XXXX Balance : {$530.00} XXXX. Please remove this account from my credit report. 
XXXX XXXX Account Type : Repossession Date : XX/XX/XXXX Balance : {$8400.00} There was no action that was completed by the company. 


Please remove this from my XXXX credit report. 

XXXX. Please remove this account from my credit report. 
National Credit Adjust ( NCA ) Account Type : Collection Date : XX/XX/XXXX Balance : {$280.00} XXXX. Please remove this account from my credit report XXXX XXXX XXXX XXXX Account Type : Collection Date : XX/XX/XXXX Balance : {$3600.00} XXXX. Please remove this account from my credit report. 
First Progress Card Account Type : Charge Off XXXX Balance : {$10.00} XXXX. Please remove this account from my credit report XXXX XXXX Account Type : Repossession Date : XX/XX/XXXX Balance : {$8.00}, XXXX XXXX. Please remove this account from my credit report. 
XXXX XXXX XXXX XXXX XXXX Account Type : Closed Account Date : XX/XX/XXXX Balance : {$530.00} Please remove this from my XXXX credit report XXXX. Please remove this account from my credit report. 
XXXX XXXX  Date : XX/XX/XXXX Balance : {$530.00} XXXX. Please remove this account from my credit report XXXX XXXX Account Type : Charge Off Date : XX/XX/XXXX Balance : {$110.00}
Product: Debt collection

Portfolio Recovery Associates contacted me on my personal cell phone asking for my wife. I advised that this was not a number associated with her but I could take a message. XXXX then advised me that my number was indeed associated with my wifes account and proceeded to attempt to collect funds. When I told her she could not do that and asked how her company even got my number, she refused to give me any information. I asked to speak to a supervisor and she asked me if I was going to pay off the debt and if I was not then there was no need to speak to a supervisor. After a few moments on hold, I spoke to XXXX XXXX who promptly asked me if I was recording the call ( which I was ) and asked me to stop. She said it was perfectly ok for her to record the call but not me. When I advised that she was not allowed to contact me about a debt that I am not associated with, she said she could if she wanted because I am her husband. I then advised her that I worked in collections for 4 years and knew what she was doing was wrong and I was going to report her and her company to the FTC. She then got very nice and said she would remove my number from the system. I advised that if I received even one more phone call I would file a lawsuit and have my wifes debt forgiven.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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 an account without my written instruction.
Product: Credit reporting or other personal consumer reports

I have reached out regarding my account and whether or not I still owed money. I was saw on the website that my account was marked complete so I disputed the amount shown on my credit score to have it categorized as closed account. It came back that I owed money from XXXX so I called them and the representative verified that I didn't owe anything. I disputed again, same result. So I called and they told me that the account still owed and that they sold it. When I requested information on who it went to over several different phone calls I was given wrong numbers and different organizations names. I am fed up with this.
Product: Money transfer, virtual currency, or money service

I initiated a money transfer using XXXX on chase, on Sunday XXXX, the recipient hasn't received the money yet, the money has been deducted from my account. 
the status is " pending review '' I have tried to call them multiple times and i have talked to them for hours but no help I want to cancel this transaction and get back my money this is the transaction XXXX payment to XXXX XXXX XXXX  XXXX Amount {$500.00}
Product: Checking or savings account

XXXX dollars were stolen from my Wells Fargo account and sent to some XXXX  XXXX XXXX account via XXXX XXXX. I think my information was stolen through a computer virus, I scanned my computer with XXXX XXXX and it said it found something. I reported this on the same day it was scheduled on my account, a day before the date it was scheduled for ( XX/XX/XXXX ) and told Wells Fargo to cancel this and not let it go through. They let it go through anyways. I reported the incident to the police today, XX/XX/XXXX. Wells Fargo says they are investigating and it can take up to 10 business days ( two weeks ). They refuse to cancel the transaction or give me any sort of credit in the meantime, which means I have only XXXX dollars right now. I need my money to pay my mortgage in 7 business days, on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

As of XXXX, upon review of my most recent credit profile with Chexsystems, there is a charge-off listed with XXXX XXXX for {$450.00}. According to the IRS, under the Instructions for form 1099-C, A debt is deemed canceled when : A discharge of indebtedness because of a decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. A creditor 's defined policy can be in writing or an established business practice of the creditor. A creditor 's established practice to stop collection activity and abandon a debt when a particular nonpayment period expires is a defined policy. Generally, an individual taxpayer must include all canceled amounts ( even if less than {$600.00} ) on the " Other Income '' line of Form 1040. On the IRS website under : Topic no. 431, Canceled debt Is it taxable or not? Paragraph 6 states : In general, you must report any taxable amount of a canceled debt as ordinary income. According to XXXX, A credit report is a record of your history of managing and repaying debt. A Charge-Off is a debt that has been written off or canceled. Therefore, a charge-off is ordinary income. The IRS states that Ordinaty Income is supposed to be reported as Other Income on form 1040. Only debt gets reported on a consumer report, not income, therefore, reporting a charge-off on my consumer report is inaccurate. As a result, Fidelity National Information Services and/or Chexsystems has violated numerous provisions of the Fair Credit Reporting Act. Firstly, 15 U.S. Code 1681 ( a ) ( 1 ) states : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 U.S. Code 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. As a result, the incompetent reporting of Fidelity National Information Services and/or Chexsystems has gravely undermined the banking system, infringed federal regulations and misrepresented my financial standing. This has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. Your inaccurate reporting have caused duress and damaged my livelihood. I respectfully request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Fidelity National Information Services and/or Chexsystems for their egregious violations of federal statutes and remove the XXXX  XXXX Charge Off from my credit profile. XXXX XXXX Without Recourse
Product: Debt collection

XXXX from Bronstein and Weiss called work and home threatening lawsuit for unspecified debt if I do not contact them within 72 hours. Indicated that it could be " embarrassing '' for me since work for state of New Mexico. Used " spoofed '' local New Mexico number XXXX.
Product: Debt collection

Portfolio Recovery Associates ( PRA ) placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request PRA to remove incorrect information off my credit report. More importantly, PRA are in violation of FACTA section 623 ( A ) ( 7 ).
Product: Credit reporting or other personal consumer reports

Some one has been using my personal information to apply for bank loans, This issue has added multiple inquires on my account.i will lease them below transunion XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I saw a couple of negative accounts on my credit reports that are not mine. I reported this but they said they verified it as accurate but no letters or proofs or anything was even provided. These accounts are not mine and I really need your help to address this for me please. It's been going on for almost 7 months now and the disputes are still pending. I am starting to think that this has something to do with my race. I feel neglected whenever I speak to their customer service. I will attach here the FTC reports that they told me to resend again and again. Pls delete the following fraud accounts and inquiries : Fraud accounts : XXXX XXXX - XXXX - XX/XX/XXXX DEPT OF ED/XXXX  - XXXX XX/XX/XXXX DEPT OF ED/XXXX  - XXXX XX/XX/XXXX DEPT OF ED/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 XXXXXXXX XXXX, XXXX DEPT OF ED/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 DEPT OF ED/XXXX  - XXXX XX/XX/XXXX. Please delete this fraud inquiries too : 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
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XX/XX/2018 Target Corp No open account, did not apply, did not share information. 

XX/XX/2018 XXXX No open account, did not apply, did not share information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting a freeze be placed on my credit report due to a possible breach of my account and my identity being compromised. I am requesting a security PIN be sent to me form Equifax, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

We purchased a vehicle and financed thru XXXX XXXX. After going through hardship we lost the vehicle. XXXX of this year I reached out to XXXX because it was showing an open balance on our account. I told them if they would do a pay and delete I would pay a settlement price. They agreed to do it. This was under both my name and my husbands name XXXX XXXX. I paid the settlement amount but the account is still showing on my TransUnion, XXXX, and XXXX as well as on my husbands bureaus. We feel lied to and when we call XXXX they just blow us off and say the account shows paid XXXX balance but it isnt supposed to be on the bureaus at all
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  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : 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: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX 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 XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$880.00}. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$880.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX
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. Account # XXXX, has violated my rights. 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 an account without my written instruction. 

XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX