23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My XXXX bill was due by XXXX XXXX in the amount of {$71.00}. I received this bill on XXXX XXXX. I mailed the entire amount on XXXX XXXX. I also mailed other bills on the same day. On XXXX XXXX I received another bill from XXXX for {$29.00}. This was a late fee. They said they received my payment on XXXX XXXX. That is 11 days that it took for that payment to reach them. I checked my bank statement and saw that the other payments I sent on the same day, got there much earlier than the one to Comenity Bank ( XXXX  bank ). The month before it only took 6 days to reach them. I paid my XXXX bill in full so I called them and asked if they could waive the late fee since I had sent the payment in plenty of time to reach them and I had paid in full. A man named XXXX, checked and said that they had waived a late fee for me in XXXX of 2019 and they could not not do another one. Another man told me that they can accommodate only one in 18 months. I told them that I could understand that if I had owed a great deal but I owed them nothing and now owed {$29.00}. for a fee that they said arrived 1 day late. I called another number on my bill and got the same response from a girl named XXXX. I asked where these calls were and I was told XXXX. I mailed my payment to Comenity Bank in XXXX XXXX, TX. I dont feel that I should pay this late fee as it was not my fault that it took 11 days to get there ( if it truly did ) and I had paid the entire amount. I would think that during these uncertain times when all the mail is slow due to the election and other factors, that they would honor my request. Its the principle of the thing. I sent it in plenty of time. I was not trying to go against their time. And I paid my whole bill.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following inquiries were not and should not be reporting. 

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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

I am getting lerters about pay my credit card bill for XXXX from XXXX  XXXX as of XX/XX/year>. I have been unemployed due to an accident caused by other.in my place of work. Could not pay for that debt accordingly, so my dispute is as soon as i am able to work i will pay those XXXX, i would like to know if they will ruin my credit which is not so good right now XXXX. Or will they be able to wait. Is this letters coming from XXXX  XXXX or someone else like a collection agency i would like to know. Whats the best i can do and how long would i be able to hold the debt with out having to go truough anorher call or letter. In the mail. Thank you ... XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I found a deal with chase for a new savings account. I had to open, deposit {$15000.00} and keep it for 90 days. once the 90 days are up I would receive {$220.00}. that didnt happen, and now Chase is saying that I never applied the coupon code, which I did. they want me to find that coupon code but it was an online link which I can not retrieve.
Product: Debt collection

Hi XXXX, Just an FYI. They called the office to ask for information to send a garnishment order for your salary. If you want to talk to the agency that called their phone number is XXXX your reference # XXXX. 

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

I have multiple derogatory account reporting to all three credit reporting agency, that do not belong to be, I do not own them any money. I never done business from any of these companies or received services. This is stopping me from buying a home
Product: Mortgage

My mtg loan was with BS Servicing ... they sold my account to SN servicing Corp ... .I owed about {$3000.00} to BS Servicing due to mild XXXX and illness. After SN servicing took over i paid on time AND with auto pay from my checking account. I asked them to put the arrears from BS servicing on the back of the loan because they said I owed THEM, the new company, the arrears now ... ... I informed them, XXXX XXXX, that I only bring in XXXX per month ... ..So I continued to auto pay and I always paid early ... .In XXXX I had illness and used some funds for meds and Dr.office visits cab fair ... .and I thought it might overdraft my account so I bought a money order and sent it instead ... .I also informed XXXX of this via voicemail and written mail enclosed with the money order. They went into my checking account anyway and took it out. I then asked him to apply the extra payment sent v ia money order to XXXX payment ... ... I was then called by XXXX and told he applied it to the arrears and I need to pay for XXXX with more fees attached, as I put a temp stop payment so I did not pay twice again ... .I am XXXX, have a XXXX XXXX and they are trying to take my home... Why are these companies allowed to use semantic, legally to steal homes and its all ALLOWED.
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.18 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to file a dispute for fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX Also please remove the following fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.
Product: Debt collection

I disputed the debt on my XXXX report which was in the amount of {$1800.00} that was completed XXXX XXXX, XXXX and is now deleted after investigation.
Product: Credit reporting or other personal consumer reports

Multiple credit inquiries on my credit report that was not authorized by the consumer. Listed credit card not authorized for approval, identity theft occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX Unable to go online and put a security freeze on my personal account! 

This is very frustrating that Equifax has my credit info stolen and I am unable to protect myself by going online and placing a freeze on my account. As has been recommended. 

Thanks so much for your continuing help and support! 

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

On XX/XX/2020 I mailed a letter requesting investigation for some inaccurate accounts listed on my credit report. I waited the time limit as given by the fcra and still didn't receive a response so I mailed another letter on XX/XX/2020. I still haven't received a response yet.
Product: Credit card or prepaid card

On XX/XX/2022 Best Buy Credit Card blocked my account due to suspicious activity. I called them to clarify, and get verified but they wouldn't do anything to help me, aside than just saying we'll call you back to verify the account which they never call back. I would really appreciate your assistance in trying to get this resolved and my card unblocked. I have called them multiple times to get this resolved and they unblock my card for a few days and re-block them, and they say someone will call me to verify my account but they never ever call. I would like your assistance in helping me resolve this issue, and to find out what's going on with this credit card company that they keep playing games with me, and honestly is getting to be extremely frustrating. I understand they need to verify accounts if they have suspicious activity, but they don't even try to verify the account like other well managed credit card companies that they will ask you very personal questions to verify the account, and even have you take a picture with your valid id, maybe they should learn how to operate and treat customers like people.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wallet was stolen and someone used my identity to open fraudulent accounts in my name.
Product: Credit reporting or other personal consumer reports

I am deeply disturbed by your ability to undermine my confidence in the banking system. The banking system is dependent upon fair and accurate consumer reporting, pursuant to 15 USC 1681 ( a ) ( 1 ). I noticed accounts that are on my consumer report ; XXXX XXXX XXXX Pursuant to 15 USC 1681b, I am demanding to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report and then who furnished this information to you.

A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates. 
You have defamed my character, my reputation, my worthiness, my standing, my capacity, and my mode of living. 
All of these violations are a direct violation of 15 USC 1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18 USC 1028b ( 1 ) ( A ) ( ii ). You have knowingly transferred, possessed and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages I am invoking my rights as a consumer pursuant 15 USC 1681 ( n ) civil liability and I demand compensation for every violation listed below ; 1. Permissible purpose {$1000.00} 2. Defamation of character {$1000.00} 3. Damaged reputation {$1000.00} 4. Damaged credit worthiness {$1000.00} 5. Damaged mode of living {$1000.00} 6. Infringed on right to privacy {$1000.00} Cease and desist the reporting of this erroneous and deceptive information on my consumer report. Delete this account from my consumer report and all your systems. 

I will also attach Exhibit 1. EQUIFAX saying they received my request regarding my credit file and also saying they were unable to locate a credit file for you for one of the following reasons : They gives a list of reasons which is a lie! 
Exhibit 2 is my dispute I sent to them I will attach Exhibit A, B, C partial of my credit file that I received from EQUIFAX XX/XX/2024 and the Report Confirmation # XXXX Equifax lied about them not being able to locate my credit file. This is causing great stress on me. And now I think I should seek monetary damages for each inaccuracy that's showing on these credit accounts!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with Grain Technology and I filed a complaint with them through you all, however, my issue is not resolved. I have not been able to log into my account due to the high call volume. My recent complaint number was XXXX. 

I have not been able to make a payment on my account since XXXX which is not my problem. My credit has decreased by XXXX points because they are reporting incorrect information regarding a missed payment. I've been sending them emails since XXXX and recently just received a response, however, with them reaching out my issue has not been resolved. I was able to log into my account as of today and I don't believe my credit should suffer due to the company 's non-responses or how busy they have been. While all of this was transpiring with not being able to make a payment or access my account, they took {$80.00} out of my account as of XXXX but marked my account as late. I asked how and why did they take it from my account and I have not gotten a reason for this. Even with them taking {$80.00} from my checking account, none of the money was applied to my balance. I just made a payment of {$94.00} today but I believe it's unfair of them to report my payment as late.
Product: Credit reporting or other personal consumer reports

None mailable address I want this inquiry 's deleted and removed from my credit I did not authorize or give this Company the right to run my credit.
Product: Student loan

My student loan was bought by Navient along with the majority of student loans sometime in XX/XX/2013 I believe. I was contacted by them to start making payments. I couldnt afford it at the time having a job that barely paid my bills as is. They requested I go for Student Loan Forgiveness.  Which I did and made several payments following which is what they requested. I didnt hear from them for 2 more years. One day I decided to look into it and as it turns out they had been sending me letters and emailing me about having to make payments. However, they had the incorrect address of where I lived ( house number was off by 2 digits, very strange almost like they changed it so I wouldnt see it ). My email address they had on file was also incorrect. Low and behold, my loans  had defaulted and gained copious amounts of interest. After dealing with 20 minutes of machines I finally reached a representative. They had no idea why that happened and they requested I take a break from payments with financial hardship. I signed up for that not knowing that my loan would continue to accrue interest and raise it even higher. I did this twice before I realized that was happening. I called and expressed my concern and they explained to me how to enroll in the Income Driven Repayment plan. After a week of dealing with mailing my information, talking to reps, and figuring everything out, I was finally able to apply. I made modest payments for awhile and then was notified I would have to reapply every year I wanted to do that program. They made it EXTREMELY difficult to reapply and gave poor customer service as to how I could continue to use the program. The representatives were rude and I was transferred several times to figure out what I needed to do. After 2 weeks I finally just sent them the information they requested and am waiting on acceptance. The normal payments are half of what my rent costs every month and I dont understand how anyone in my situation is expected to pay that much every month. So now Im paying through income driven repayment and it barely covers my interest rate. Im dissatisfied with the customer service and overall handling of my loans with this company. I wish I was with someone else that could actually help me get my loans under control. Although, thats not likely to improve with anyone else. In a nutshell, my only option is this : You cant afford the outrageous payment every month? Ok we will cut it in half but youll be paying your loans quadruple what you pulled out in the first place something needs to be done about the student loan problem millions of Americans my age in this country face.
Product: Credit reporting or other personal consumer reports

A fair solution is to delete the false inaccurate information of Bankruptcy # XXXX Immediately!! FCRA rule # 9037!!!! 
15-USC-6802, 15-USC 1681A2B Good Day I XXXX XXXX have contacted Transunion several times !!! I am demanding immediate deletion of this inaccurate information!!! I have demanded they remove this bankruptcy information!! Its either an error or a lie!! I have also contacted Nevada Bankruptcy court which stated verbatim!! They do not provide nor verify bankruptcy information!! Therefore according to FCRA Transunion is in direct violation : 15-USC 1681 , 15-USC 1681 ( section 602 ) A, 15-USC 1681 ( section 604 ) 15-USC 1681-C, I have contacted Nevada Bankruptcy Court who confirmed this is a record of direct violation of Transunion as they do not verify!! This is NOT my bankruptcy, Transunion illegally placed this on my consumer report!! XXXX XXXX also confirmed this is NOT my bankruptcy!! I repeat I am demanding that Transunion immediately delete Bankruptcy # XXXX!! and Bankruptcy # XXXX!! You cant even legally file that close together so its an error or a lie This is not my bankruptcy!!! Nevada Bankruptcy Court also stated they did not verify this to Transunion therefore this information is an error or a lie either way this is inaccurate information and I am demanding that Transunion immediately removes this off of my consumer report!! ASAP!!!! This inaccurate information does not comply with the FCRA and the information must be deleted immediately!! If this inaccurate bankruptcy is not immediately deleted off of my consumer/credit report I will contact my attorney as Transunion is in direct violation of reporting inaccurate information!! Transunion has my police report on file as well as my identity theft report from when my wallet was stolen and my information was compromised!! 
Police Report Number : XXXX I demand Transunion Credit Bureau delete this false inaccurate information immediately!!! 
XXXX XXXX Transunion File Number : XXXX Date Of Birth : XX/XX/year> Delete this inaccurate bankruptcy immediately!! Both of these are errors!!! 
# XXXX # XXXX According to FCRA guidelines this is a direct violation of Transunion and I have the right to a fair credit report!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with XXXX, XXXX and XXXX. and they have ignored my concerns. This account is not reporting 100 percent accurate. there for according to the FCRA it needs to be deleted immediately. 

NAVY FEDERAL CR UNION- Under

15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. I HAVE INCLUDED PICTURES AS WELL. I HAVE ALSO CONTACTED THE XXXX  AND ATTORNEY GENERAL. THIS IS MAKING MY CREDIT TO BE HURT AND CAUSING ME TO PAY MORE IN FEES.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance XXXX : {$9900.00XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX used a company Called Verisk to investigate my history with auto insurance coverage. Verisk is through a company called " XXXX XXXX XXXX, '' XXXX XXXX XXXX # XXXX, XXXX XXXX, NJ XXXX, XXXX. I received a privacy notice after the insurance check that indicated my history would require that I pay for a higher policy. This did not seem right to me since my history with auto insurance is excellent. I wrote Verisk and received a copy of my Summary Report - " Coverage Verifier. ''  It reflects an auto insurance policy that I had from XXXX to XXXX with XXXX. It lists this as " Cancelled  '' in XXXX but does not show my current Auto policy with XXXX from XXXX to the present date. The omission of this current information is misleading and it appears that I have been uninsured, thereby giving me a bad " mark '' for anyone who checks my insurance history via this company. 

After several attempts to reach them, I am resorting to this option. 

It is imperative that they list my current and correct information for my Auto Insurance Coverage : XXXX Policy # XXXX. Policy has been in effect from XXXX to the present XXXX. The Verisk Report ID # is XXXX