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

I am writing to complaint to AMERICAN CYCLE FINANCE about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX  # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 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 o payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Debt collection

I am a victim of identity theft and I never entered a consumer transaction with XXXX XXXX XXXX nor have I ever even heard of Credence Resource Management. After consulting with my legal team, I have been instructed to reach out to Credence via the CFPB and registered agent. I have mailed the registered agent via certified mail asking for certain information to validate the debt. I have the right to full material disclosure as the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I or any other lender try to access my equifax credit report the message they receive is that report blocked for promotional purposes. I can not access my current report because of this. I have contacted equifax on several occasions and they informed me that that block has been lifted and to wait 24 hours. I wait 48 hours and try to access my own report again and still still this block language. I requested to lift this language. Despite repeated attempts this language still remains on my credit report and I am trying to refinance my mortgage and I can't even access my own report because of it. I want that language deleted so I can access credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I learned about several inquiries on my credit report that I did not authorize. I contacted TransUnion by letter twice stating that the inquiries were unauthorized and I had no knowledge of them. They refused to remove them stating that inquiries were factual and that would stay on my report for two years. How can they say that when I never gave any of the companies permissible purpose to pull my credit? And they have yet to provide me of any proof of such! What TransUnion is doing is a clear violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to demand removal of late payments from my report. This is a violation of both 15 usc 1666 and 15 usc 1681a2 ( a ) ( i ). These unauthorized reports of my personal private and financial information is both illegal and inaccurate and are of no standing to my credit worthiness. I am not asking for validation or verification simply a removal of the late payments as required by law. 

The fair Credit reporting act aims to respect the rights of consumers and i thank you for helping me do that. A rapid rescore would be much appreciated as well thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, 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.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$240.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00}, and XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}.
Product: Credit card or prepaid card

My XXXX credit card payment was due in XX/XX/2019, and I thought I had set up an automatic payment because I was going to be on vacation. I did not have great Internet service up north, so once I returned a few days past my due date I realized the money wasn't taken out. I then paid off the balance on the card and thought that was it. In XXXX, I found out that I had {$99.00} in only late fees on the account. I have no idea how this happened, or how this is legal or ethical. I tried contacting the company through their email system and was told they couldn't help. The person who called me was rude and couldn't explain how I was assessed so many late fees on a paid off account. I then tried reaching out to XXXX on XXXX. They were very nice and said it would escalate to corporate, but I have yet to hear back. When logging into my account I see 1 fee was waived, however that just takes away the fee that was assessed while I was waiting. My account still shows {$100.00} in late fees. I have always paid my account, so to have a company not want to work with a customer on an unintentional oversight is beyond me. How can 5 late fee charges be assessed on a paid off account?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going through my credit report with XXXX, TRANSUNION AND XXXX. I notice they are a few accounts that do not belong to me and I do not recognize any of these companies. Also, it appears that someone will trying to get credit in my name and put hard inquires on my credit report. 
According to FCRA, I have the rights to dispute the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Hard Inquiries : XXXX XXXX XXXX XXXX Please delete these fraudulent accounts from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed the account with American Express and I paid the full balance. The amount was XXXX. They are reporting the account in all three credit bureaus as Charge-Off.
Product: Student loan

I have been paying my student loan and after few years dealing with Firstmark company I am not able to meet the payments amount anymore due to financial hardship. I have used all my forbearance and they have not been able to provide me with any flexible payment options.

My credit score has already been damage and I received calls constantly from them warning abut sending my account to collection. Each single call I received I have tried to arrange manageable payments option but I have not obtained any positive outcomes. I am always dealing with very rude people always threating me
Product: Credit reporting or other personal consumer reports

I Sent my letter off on XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking #. ( XXXX XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX ) According to the FCRA The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Midland funding, the most crooked trash to ever disgrace our country. I have been fighting this for 5+ years. In XXXX, my identity was stolen, and as a result, I have to file specially with the irs. 2 years later, this and a couple others magically appeared on my credit record. Most have been removed, by other, more reputable companies. The collector has been notified of the id theft, and received confirmation in XXXX, I believe. It was removed from my record, only to reappear a year later. Since, this predatory collector has falsified information to the credit bureaus repeatedly over this time. I have sent 3 letters requesting verification of debt, and only once received anything : a stack of blank paper. Theyve ignored my requests for this debt that I have nothing to do with, and due to them, ive had a much lower XXXX XXXX than i earned. This is illegal, and im a step away from suing for the hardship due to a falsified credit report. My credit would be perfect if not for these unethical sacks of refuse.
Product: Mortgage

I had a hardship with Covid was encouraged to skip payments and was told after the 18 months that there would be an easy process to resume making payments. After 18 months I called dozens of times while waiting on hold for hours at a time was told a different story every time and then after four months was told that I would have to fill out a XXXX page application and submit documentation of income and other things to be considered to resume payments, I did as was asked and then called multiple times was wasn't told there was anything I needed to do. A month or so later I get a letter saying I didn't provide enough information. I called and told them what had happend and they said I need to start the process over again and so I did this time including my W-2 's as well as paystubs showing I personally make over {$80000.00} a year and want to start making my {$400.00} loan payment. The then tell me that my application is incomplete cause my reason for hardship wasn't what they wanted ( no clear understanding of what they want ), that they don't have my home loan information from where I live ( never asked for it ) and they want paystubs and from my wife even though I make more than enough to pay the loan, then after asking me for all of this I get a letter from a debt collection law firm demanding payment of my loan in full in two weeks or else. I have spent hundreds of hours being mislead and fighting with this company and I am tired.
Product: Student loan

My personal and financial information were compromised without my authorization. The Family Educational Rights Act ( FERPA ) is intended to protect the confidentiality of student records. The social security breach was a clear violation of FERPA and my loan servicers responsibility to safeguard my information.
Product: Checking or savings account

My paycheck will not show even though it was deposited this morning. They claim to have an outage with an unnamed third party provider. They said the issue would be fixed by Friday morning, however it is Friday afternoon and I cant still access my funds. I am unable to buy food or pay my bills, how can they withhold the money of thousands of people and this be legal?
Product: Credit reporting or other personal consumer reports

I sent NOTICE to Experian on XX/XX/XXXX Tracking XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX  XXXX, Experian received NOTICE for tracking XXXX  ending in XXXX on XX/XX/XXXX, XXXX AM XXXX, TX, and NOTICE for tracking XXXX  ending in XXXX on XX/XX/XXXX, XXXX AM XXXX, TX Distribution Center Out for Delivery still in transit ( View details on USPS ). The LEGAL NOTICE advised from recent amendments as to the ( FACT Act ) XXXX that Credit reports for US BANKRUPTCY, judgments, fines and liens may no longer be permitted. This means that reports for collection purposes are only allowed when collecting on an obligation arising from a credit transaction. Experian response did not remove the information as required by the FACT Act and sent a reply stating that Experian verified the account to be valid. I at no time gave Experian any permission to report this transaction and have sent several documents supporting the removal. I have also included a copy of XXXX XXXX sent to another credit reporting agency which was posted on the XXXX from the FTC notifying XXXX same requirements of XXXX XXXX. See attached documents I sent NOTICE to Experian on XX/XX/XXXX Tracking XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXXXXXX, Experian received NOTICE for tracking XXXX  ending in XXXX on XX/XX/XXXX, XXXX XXXX  XXXX, TX, and NOTICE for tracking # ending in XXXX on XX/XX/XXXX, XXXX XXXX  XXXX, TX Distribution Center Out for Delivery still in transit ( View details on USPS ). The LEGAL NOTICE advised from recent amendments as to the ( FACT Act ) 2003 that Credit reports for Child Support, judgments, fines and liens may no longer be permitted. This means that reports for collection purposes are only allowed when collecting on an obligation arising from a credit transaction. Experian response did not remove the information as required by the FACT Act and sent a reply stating that Experian verified the account to be valid. I at no time gave Experian any permission to report this transaction and have sent several documents supporting the removal. I have also included a copy of XXXX XXXX sent to another credit reporting agency which was posted on the XXXX from the FTC notifying of same requirements of Federal Law. See attached documents, I have attached a letter from Child Support company office stating child support is by no means ANY SORT OF LOAN
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX  Balance : {$9300.00} XXXX  XXXX XXXX Balance : {$570.00}
Product: Credit reporting or other personal consumer reports

I submitted a claim to receive compensation for the EQUIFAX data breach and never received the free credit monitoring or compensation They also have the wrong address to which I am not associated listed on my profile. I have sent in my license numerous times. They have not deleted the address. I have no affiliation to the address and have never lived at that address. It needs to be deleted. The correct address is XXXX XXXX XXXX XXXX NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Didn't recieve enough information to verify debt : In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 I requested Transworld Systems INC to provide verification according the FCRA section 609 ( a ) ( 1 ) ( A ) - through the physical verification with an original signed consumer contract to which they have repeatedly responded with nothing more than a statement that shows a balance of {$1600.00}. Not what they are required by law to use to legally verify a debt.They continue to be in violation of section 611 non-compliance and have caused severe damage by contuing to report to the 3 credit  agencies.
Product: Student loan

Mohela did not notify me the required 21 days in advance of payments resuming in XXXX. I contacted them via email on XX/XX/XXXX to inquire about my payments resuming and to make sure that this delay was not going to affect XXXX counting toward my PSLF. I did not receive a reply until XX/XX/XXXX and it just said to call Mohela. I had received a letter too that gave my payment amount and estimated my SAVE plan start date to be XX/XX/XXXX but still payments were not resumed on the site even though I am enrolled in auto pay. There was an estimated 80 min wait time on the phone, I received a call back about an hour after I placed the call. The servicer stated that my payments werent resumed because I was in an administrative forbearance until XXXX ( 17 years from now! ). They could not tell me whether I was in a forbearance in which the months still counted toward PLSF. I requested that XXXX and XXXX be counted toward PLSF since Mohela is at fault for the delay and did not resume my payments in time. They replied that this is not possible since I didnt make payments for these months, but I was never notified of my payments resuming and in fact, Mohela never resumed them. My payment amount is also incorrect on the website, I received a letter stating my payment was {$590.00} and on the site my payment amount says {$610.00}.
Product: Credit reporting or other personal consumer reports

There are several erroneous errors reporting late on all three major credit reports for my XXXX XXXX account. XXXX, Transunion and XXXX are reporting that I have paid late from XX/XX/year> to XXXX of XXXX. This information is false and I have supporting documents to show the payments that were made to the company that bought the XXXX  XXXX Account, XXXXXXXX XXXX XXXXXXXX! The XXXX credit bureaus are also not reporting that I have made a payment in XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 

XXXX XXXX XXXX Balance : {$11000.00}
Product: Credit card or prepaid card

I made a payment to XXXX Visa credit card ( XXXX XXXX XXXX. XXXX   XXXX XXXX, NE XXXX ) in the amount of {$2500.00} utilizing XXXX XXXX, check # XXXX. check was written on XX/XX/2020 to FNB OMAHA XXXX XXXX XXXX NE XXXXand cashed on XX/XX/2020. This amount was NOT credited to my XXXX Visa account # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX. A copy of this cashed check ( front and back ) was faxed to XXXX Visa FAX # XXXX on XXXX and AGAIN on XXXX. I called XXXX Visa on XXXX and XXXX and tried to talk to a supervisor or the accounting Department and was denied. At this time I'm being charged interest on the {$2500.00} and was informed this would not happen when I spoke with a XXXX Visa represetitive on XXXX My XXXX Visa Acount is under the name XXXX XXXX XXXX XXXX  may have put my name as XXXX XXXX XXXX Visa was told about this but XXXX XXXX had all of my account iformation correct, they have cashed the check and will not credit my account, I re-financed my house to pay off this credit card and several other things so that $ $ $ was meant to pay off the card. 

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

I am a XXXX XXXX XXXX XXXX with the State of Alabama. I contacted my friend XXXX XXXX at XXXX XXXX in XXXX, Alabama to purchase a New XXXX  Truck under my Company 's Name using it's XXXX Number and EIN. He explained to me that I would have to Guarantor the loan in which I new. I inquired about a New XXXX  truck, explained to him that my Transunion score was a XXXX and that I only had 1 Tradeline. I made specifically clear to him to tell his Sales and Finance Manager to only pull my credit once, to only use my Transunion Credit report and to only send my loan request to XXXX XXXX. Well that did not happen, XXXX XXXX pulled my credit 3 times and they sent my loan request to 19 different lenders in which is fraudulent and unacceptable. I did not give them permission to blast my information to all of the Lenders they sent them to with me knowing that my Transunion report was the only hope I had. They took advantage of me, lowered my credit scores and now preventing me from Refinancing some commercial property I am buying on a lease purchase. I want all of the credit inquiries removed from my Credit Report Immediately.
Product: Credit reporting or other personal consumer reports

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

I looked at my Trans Union credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

Subject : Request to Block and Delete Accounts Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these accounts and inquiries are fraudulent. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I have the right to request the blocking of any information resulting from identity theft or fraudulent activity.

Fraudulent Accounts : XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2700.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$10000.00} XXXX. XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$10000.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$12000.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$3500.00} Fraudulent Inquiry : XXXX. XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX