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 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 or other personal consumer reports

This is NOT a fraud complaint. do NOT place a fraud alert in my credit file. 

I have challenged the reporting of a bankruptcy on my credit report XXXX separate times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I demanded each and every document that they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that is has been verified as this is not in compliance with the law. This must be done in XXXX XXXX Format reporting. 

In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the bankruptcy, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act.

If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation. 

I demand the bankruptcy be properly verified with physical documentation and in XXXX XXXX Format reporting ( and not just verified through a 3rd party ) or it MUST be removed immediately.
Product: Credit reporting or other personal consumer reports

I am victim of identity theft and there are some inaccuracies on my credit reports
Product: Debt collection

some time on or about XX/XX/XXXX talk with a representative at chase card and explain that we had XXXX in the family in XXXX XXXX  which was my dad. so on or about I receive a Letter to contact the bank if I need help. and I explain the representative that I do not believe we need help and that I would be in to pay the past due on or about on XXXX  theXX/XX/2019. and that day I pay that past due balance XXXX and this was on the XX/XX/XXXX today is the XX/XX/2019 the account is close went there was an arrangement on the account # XXXX and there is a new payment for XXXX date for the XX/XX/2019. this account is not in the red as of this day. this company have always pay it bill. I believe it unfair to close this account that they agree to help us as of XX/XX/2019 by the letter that they send to us at the crop office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan with TOYOTA MOTOR CREDIT. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called TOYOTA MOTOR CREDIT and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and TOYOTA MOTOR CREDIT with no successful resolution. XXXX, XXXX, and XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.
Product: Checking or savings account

I have a safety deposit box on XXXX XXXX in XXXX ohio, XXXX. When I was there last week XXXX the point contact of customer service for the branch made fairly loud harassing comments while pretending to just talk to the tellers. He said he would be the one giving an " Auth '' if I was doing anything wrong in there if requested and that I must be. I was only in there for 5 minutes and he said I am bad for the bank while I was in there. I looked for him but he was not there when I was leaving. I think they are lazy and don't like the fact that I come in once every 3 weeks or so on average. I store flash drives there of my writing and don't want to be framed for causing trouble and kicked out of the bank. Next time I will address the issue if there is one with then but the branch is not a friendly environment and I did nothing wrong.
Product: Credit reporting

In XXXX XXXX, 2011 my ex and I divorced. The decree became final on XXXX XXXX, 2011. It stated the she would retain the residence that was financed by XXXX, {$330000.00} which was in foreclosure status. She then obtained financing - and a loan modification by XXXX. She paid the late fees, interest etc. Page XXXX item # XXXX specifically released me from any further liability on the referenced promissory note. I executed the quit claim deed for the property on XX/XX/XXXX2011. 
Equifax continues to show the mortgage as active and overdue. It can not be active in my name, it needs to be removed from my history as active or owed on currently.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be updated.

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.

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 XXXX and It was never provided. 


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


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Hi, My Name is XXXX XXXX. I am contacting you to inform you that I am a victim of multiple data breaches from XXXX starting in XXXX, a XXXX XXXX, and the dark web, etc therefore, I will need all of the accounts on my credit report that have been exposed, compromised, and/ or illegally opened to be blocked and permanently deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days. These data breaches has been coming from left to right affecting my credit tremendously. I already tried to reach out to XXXX and Experian myself and they have not done anything to fix the problem.
Product: Credit card

On XX/XX/year>, I purchased furniture at XXXX XXXX XXXX XXXX for a total of {$5200.00} with an offer of 0 % interest financing for XXXX years through Synchrony Bank. My daughter helped me and proceeded to divide the total amount into XXXX  months and set up automatic payments to pay off the {$5200.00} by the end of that period. She also opted to eliminate the printed account statements due to an additional charge, as I would need to access the online account to view them. I am XXXX XXXX XXXX and not technologically savvy to manage this and recently, I asked her to check the balance on the account, and when she accessed it, she noticed an interest charge on XX/XX/year>, and another interest charge of {$93.00} on XX/XX/year>. 


Today, XX/XX/XXXX, I contacted Synchrony Customer Service to inquire about these charges. The representative informed me that, instead of providing XXXX  months of interest-free financing, I was only given XXXX  months, and that this error could no longer be corrected because I should have called in the first few months a time when I was unaware of their mistake and I was unaware that this would affect me in this way. 

I also asked if the interest charges were another error, as I thought this could not be legal or possible. The representative explained that these were deferred interest charges, meaning that if I did not pay off the full balance within the first 12 months, all the interest from the previous months would be applied. As a result, I am now a victim of their error twice over, without being given any option to remove these charges and resolve the debt properly. 

I am requesting your assistance in this matter and ask for a fair resolution to eliminate these undue interest charges so that I can settle my debt as originally agreed.
Product: Vehicle loan or lease

Pen Fed Credit Union contracted a repossession agency and at the time of my vehicle repossession, the agency did not have insurance coverage. The agency damaged my vehicle beyond repair. 

XX/XX/XXXX - My XXXX XXXX XXXX XXXX XXXX was repossessed. The repossession agency hooked my vehicle to his truck by XXXX tires. My XXXX being XXXX is only supposed to be towed by a flatbed, or tow dolly, which is also not preferred. 
( XXXX TOWED FOR XXXX HOURS ) XX/XX/XXXX - Transfer to PenFed for {$5400.00} for redemption XX/XX/XXXX - I redeemed my XXXX, immediately upon leaving the parking lot where XXXX was being stored multiple warning lights illuminated my dashboard - XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE BRING TO YOUR NEAREST XXXX XX/XX/XXXX - XXXX was taken to XXXX XXXX XXXX where a multipoint inspection was done. Inspection showed that there was an internal failure in the transfer case suspected cause being that it was improperly towed. 

XX/XX/XXXX - Contacted repo truck driver XXXX XXXX by phone and spoke with him and explained the situation, requested him to notify his insurance company he responded with derogatory remarks and refused to take responsibility. 

XX/XX/XXXX - I contacted my insurance company and opened a claim. 

SINCE THAT DAY MY INSURANCE HAS BEEN TRYING TO LOCATE THE REPOSESSION COMPANY INSURANCE PROVIDER AND HAS NOT BEEN ABLE TO LOCATE. MY INSURANCE COMPANY IS CONFIDENT TO BELIEVE THAT THEY WERE NOT INSURED DURING THE REPOSSESSION OF MY VEHICLE. 

XX/XX/XXXX - XX/XX/XXXX RENTAL CAR TOTAL {$2100.00}, {$1500.00} I paid out of pocket. 

XX/XX/XXXX - XXXX was ready to be picked up I paid {$500.00} deductible through my insurance for repairs totaling {$7200.00}. My insurance company covered transfer case to be replaced with a USED one that was not XXXX. 

XX/XX/XXXX- XXXX making noise and did not feel right driving it. Brought into XXXX Courtesy Automotive. I was told that the transfer case had failed and it was because the one installed was not a XXXX part. 

XX/XX/XXXX - Insurance claim with my insurance company reopened. 

XX/XX/XXXX- XXXX XXXX of {$8700.00} XX/XX/XXXX - My insurance company TOTALED out my vehicle because the damages to my vehicle were beyond repair. 

XX/XX/XXXX - XX/XX/XXXX rental car totaling {$1600.00} out of pocket. 

XX/XX/XXXX - XX/XX/XXXX Rental car totaling {$1300.00}
Product: Credit reporting or other personal consumer reports

This concerns Equifax. I have tried numerous times to get into my account on-line. The account says to contact 'customer care team ' and gives the number XXXX. I have tried numerous times to reach Equifax and I can not get through. One, they want to send a code to my cell phone ; I don't have a cell phone and a code needs to be sent via email. I finally reached Equifax today and they can't verify my identity unless I have a cell phone. They sent me a code via email but the email did not contain a code. I was instructed to send various items to identify my identity and a letter to an address in XXXX, Georgia. This is unacceptable. My medical records, drug records, banking and other organizations that require an ID verification code process my requests via on-line and my email. What do they think the cell phone uses? The internet. I just recently changed pharmacy PDPs and they were able to handle setting up my account via email with an emailed code. All I want to do is freeze my account with Equifax as I have done with XXXX and XXXX as my identity was seriously compromised after the XXXX XXXX XXXX data breach that occurred in XXXX XXXX 

This is terrible customer service, not to mention Equifax has yet to get my credit history right after several attempts over the years to correct their mistaken information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$7100.00} Consider as a follow-up complaint
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reached out to Experian in regards to inaccurate reportings pertaining to addresses\employer information, the reporting of my transactions history on the credit report and also an inquiry that is on the report.. I spoke with a representative, XXXX, in which I expressed that I wanted all inaccurate addresses & employers removed because they are non mailing addresses and they are also not my employer. I noticed the transaction history and an inquiry that was on my report as well. I received the results from the dispute back and noticed on the dispute report the transaction history, inquiry history are still on my report and also a non mailing address was left on the report as well. I called and spoke with a representative who advised a manager would be calling back within 48-72 hours. I also asked the representative where they get this information from? I was then told Experian receives their information from non affiliates ( third parties ) and Experian is also sharing and receiving information non affiliates as well! Not only did Experian violate my rights under the Privacy Act of 1974 but also all this information should have been removed due to 15 USC 1681. Experian also is violating their own Privacy Right to Correct : You have the right to request correction of inaccurate personal information that Experian maintains about you. The law states it is illegal to report Transactions History ( which has not been updated on my report ).
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. 

XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX 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: Checking or savings account

In XX/XX/XXXX, I received correspondence from Bank of America regarding a fraudulent checking account opened in my name. I called and filed a fraud claim and went to local branch in XXXX, MD who advised the account was closed and they were going to investigate. In XX/XX/XXXX or XX/XX/XXXX, I received correspondence confirming the closure of account and I was not liable. In XXXX or XXXX of XXXX, I received correspondence and a debit card from Bank of America. I called and was placed on hold 2x and was expecting a call back and never did. I received notification from the Credit Bureau that Bank of America opened a checking account in my name in XX/XX/XXXX. Bank of America is reckless in their efforts in protecting consumers by having such lack security and safeguards. There's no way accounts should be able to be opened without identification and the fact its on record from XX/XX/XXXX that I have never had a account with Bank of America nor will ever have an sort of account with Bank of America. Bank of America needs to be held accountable for their inability to protect consumers when they have knowledge of prior fraud. This is absurd, time consuming and nerve-wrecking.
Product: Credit card or prepaid card

I purchased a XXXX from XXXX on XX/XX/2020 on a quarterly ( every 3 months ) subscription base. It was for me to ensure that my forex trades stayed active when my personal computer goes to sleep. However, I kept having issues with the system. It wouldn't allow me to log in and eventually it stopped my trades completely out of nowhere. I reached out to XXXX about the dispute via email after I had already tried sitting and waiting for hours for their support to respond via chat. they NEVER answered the chat! I then sent an email requesting a full refund. They tried to offer me a free month of service and I told them NO. They told me to cancel my account. I responded to them stating that the cancellation " needed to include a FULL refund ''. They responded " Yes, you may send the request to cancel, thanks ''. Paypal refuses to issue the refund and are trying to say the merchant didn't agree to the refund. I sent them a screen shot of the conversation but they still refused to issue the refund! They need to give me my money back! I am being charged for services that I am not receiving and that hadn't been working. I have complained several times!
Product: Debt collection

Day Knight & Associates, a debt collection agency based in XXXX, MO, filed a collections account on my credit reports with XXXX and XXXX for a medical debt that I have no knowledge of, from a doctor 's office that I have not been to in many years. No party involved has ever sent me a bill or attempted to collect any debt from me, which means my best " evidence '' for my claim is the lack of having ever received any sort of bill/invoice. I have disputed this account at both credit reporting agencies. XXXX  deleted it from my account in less than a month from my dispute. XXXX attests that Day Knight has " verified '' that this account belongs to me and has since refused to delete the invalid account from my report. I am now on my third dispute with XXXX, again for an account that I have no knowledge of and no company has attempted to collect from me, including the mentioned collection agency.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Dispute of Inaccurate Late Payment Reporting - XXXX XXXX XXXX XXXX Dear Sir/Madam , I am writing to formally dispute inaccurate information related to late payments on my credit report for the following account : Account Information Account Name : XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX Account XXXX XXXX Credit Card Date Opened : XX/XX/XXXX Balance : {$4200.00} Monthly Payment : {$160.00} Recent Payment : {$830.00} as of XX/XX/XXXX I have identified an error in the reporting of late payments. I was never late on this account, and the reported late payments are due to a billing discrepancy. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information reported is accurate and can be verified. Given that the reported late payments are inaccurate and can not be verified, I kindly request that these late payments be removed from my credit report. 

Please conduct an immediate investigation into this matter, and if the late payments can not be verified as accurate, they should be deleted. Additionally, I request a written confirmation once the necessary corrections have been made to my credit report. 

I look forward to your prompt response and thank you for your attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT. 15 USC 1681I ( A ) ( A ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : ACCOUNT NAME : XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX
Product: Credit card

Take note of the documents attached and commence an investigation into the erroneously reported late payments.
Product: Vehicle loan or lease

On or about XX/XX/XXXX red white and blue auto in XXXX pa took my XXXX  for supposedly taking gps out of vehicle. On XX/XX/XXXXXXXX  I received a letter from. Rwb stating they took my car due to break of contract. In XX/XX/XXXX they reported it to credit report they repo my XXXX  for being 30 days late in XXXX when I was not even in possession of the vehicle in XXXX they repo it in the beginning of XXXX I disputed it multiple times threw credit burrow and now they reported no data for XXXX and they repo it on XX/XX/XXXX. My car was picked up on XX/XX/XXXX I have multiple witnesses and text and emails with rwb that correspond with it being picked up the beginning of XXXX including text saying they took it due to me supposedly taking gps out so how can I be 30 days late in XXXX and car be repo in XXXX when they repo it in XXXX