23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act. the lists of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602A. States I have the 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 then seven years. 

US Department of Education : XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried and tried and tried multiple times to dispute XXXX XXXX they come back shortly thereafter not long and tell me it was verified I would like to know what method they use because I'm going to request to see it that is my right under the Fair Credit Reporting Act I'm going to request the XXXX it's completely different than my account online I don't understand this I'm going to attach what I have so that you can see the original balance is a lot higher than what is being reported on my credit repor also experience reporting this account is closed it is not closed this still open I am really discouraged and I'm heartbroken they're supposed to be a professional company I read a lot of information and I'm really sickened if cfpb can not help me I'm going to the Federal Trade Commission and the Senate this is not right at all and an experienced part that's totally unprofessional and unethical
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX 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 in XX/XX/2022 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. 


XXXXXXXX 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 or other personal consumer reports

I have tried several times in the past two years to clear up a bogus delinquent account and gave up in frustration with getting the corrected in the credit reporting agencies! I tried again just this week and again I am blocked at step one, verification of identity! Their procedure is so arduous that no normal person can complete it! 

I have completed the forms online, only to be faced with a gauntlet of loan questions about venders going back TWELVE YEARS! Who remembers lenders from that far back?! Of course, that failed, as was clearly intended so on to second step, where I submitted photos of Drivers License, Social Security card, and auto insurance statement that too was rejected, with no reason given! 

Finally called them, went through the who thing again, and finally said my credit details would be sent to me, great! But all I got in the mail was a postcard telling me AGAIN that I had not provided sufficient identification information, PLEASE START THE PROCESS OVER! By sending all the information to them by mail, BUT THEY DID NOT PROVIDE ANY ADDRESS, CONTACT OR REFERENCE NUMBER to allow me to do that!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer Rights to Privacy and confidentiality under Title 15 U.S.C. 1681. 

XXXX XXXX XXXX  Account # XXXX Title 15 U.S.C. 1681 section 602 A states I have the Right to Privacy.

Title 15 U.S.C. 1681 section A section 2 : It also states a consumer Reporting agency can not furnish a account without my written instruction.

Title 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 items of information, other than records of convictions of crimes which antidotes the report by more than seven years.

Title 15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish Any information relating to a consumer reporting agency if the person knows or has reasonable course to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In an effort to purchase a home, I had to unfreeze my credit through all three credit report bureaus, of which Experian was one. I was eventually able to gain access to my account through Experian, and managed to release the credit freeze on the system which I had committed around the period of the last large data breach ( XXXX ). 

I do not recall purchasing or seeing my consent placed on purchasing a {$21.00} a month Credit Report Subscription which I did not need nor did I want. There may have been wording that described a free trial, but all I needed to do was gain access to my account and release the credit freeze. 

My surprise came when my credit card was billed twice for their service for which I do not recall seeing a charge or fee described for. It is insulting that an agency I have to deal with can tack on a surcharge and bury it so as to trick consumers into paying for an altogether unnecessary service. 

For others contending or about to contend with their credit report : Assume all the credit bureaus are going to charge you for a " product '' and make it very difficult to determine if you are being charged for it or not.
Product: Debt collection

Have sent me demanding letters saying a debt is owed. Information that they are reporting wasnt validated and when asked to validated provided same exact response to the validation. This company is reporting false information and degrading my credit. 
PORTFOLIO RECOVERY A Last reported XX/XX/XXXX {$3000.00} Open balance XXXX XXXX XXXX  XXXX XXXX A Original creditor XXXX  Opened XX/XX/XXXX ( 3 yrs, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes after resolution Collection account Original creditor name XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

Below are the following accounts have been disputed XXXX times due to identity theft. 

National Credit Systems, Acct # XXXX {$2300.00} XXXX XXXX Credit Systems Acct # XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX {$790.00}
Product: Credit reporting or other personal consumer reports

A creditor called " XXXX XXXX XXXX '' contacted members of my family and me. Their calls were disturbing and vague. They refused to prove they own the debt, and that I owe a debt. My family and I want to be left alone and I want this debt stricken from my credit report. I don't recognize this debt. I have never heard of it before and it is mistakenly on my credit report. 

God Bless
Product: Credit reporting or other personal consumer reports

2. Revolving Accounts Revolving accounts are those that generally include a credit limit and require a minimum monthly payment, such as credit cards. 
2.1 XXXX XXXX ( CLOSED ) Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. 
Account Number XXXX XXXX Reported Balance {$230.00} Account Status CHARGE_OFF Available Credit Account History The tables below show up to 3 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$220.00} {$270.00} XXXX {$230.00} XXXX Available Credit Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Scheduled Payment Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$31.00} {$48.00} XXXX XXXX Actual Payment XXXX XXXX | XXXX XXXX, XXXX Review this summary for a quick view of key information contained in your XXXXXXXX XXXX XXXX 
Report Date XXXX XXXX, XXXX Credit File Status No fraud indicator on file Alert Contacts 0 Records Found Average Account Age 3 Years, 1 Month Length of Credit History 6 Years, 2 Months Accounts with Negative Information 10 Oldest Account XXXX XXXX ( Opened XX/XX/XXXX ) Most Recent Account XXXX ( Opened XX/XX/XXXX ) Credit Accounts Your credit report includes information about activity on your credit accounts that may affect your credit score and rating. 
Account Type Open With Balance Total Balance Available Credit Limit Debt-to-Credit Payment Revolving XXXX XXXX {$0.00} {$3300.00} {$3300.00} XXXX XXXX {$0.00} Mortgage Installment XXXX XXXX Other XXXX XXXX Total XXXX XXXX {$0.00} {$3300.00} {$3300.00} XXXX XXXX {$0.00} Other Items Your credit report includes your Personal Information and, if applicable, Consumer Statements, and could include other items that may affect your credit score and rating. 
Consumer Statements XXXX Statements Found Personal Information 5 Items Found Inquiries 37 Inquiries Found Most Recent Inquiry TRUSTED ID/XXXX  XX/XX/XXXX Public Records 0 Records Found Collections 0 Collections Found XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit card

HI, Discover It Credit card closed my account on XX/XX/XXXX without any convincing reason and today XX/XX/XXXX I checked my XXXX credit report and they hit my score negativly with 77 point AND I found 2 issues that is broke my back, ( FIRST ISSUE ) that they reported my account as its closed account while they are the one who did it plus it is still under investigation upon of my request with them for why they closed it. ( SECOND ISSUE ) that they made HARD INQUIRY ON XX/XX/XXXX and i do not know why?? the account already closed on XX/XX/XXXX and I never call in this date for any request like credit line increase or any kind of reasons to make a hard inquiry on my credit report because I usually avoid making hard inquiry. So i want to Dispute that please, I been working hard on my credit to keep always excellent. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous UNAUTHORIZED hard inquiries on my credit report attached to my social for which I, XXXX XXXX XXXX, did not authorize. These inquiries need to be deleted and include the following companies : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Personal Information Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers : XXXX XXXX  Employers : XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried many times with Experian fix an incorrect address appear on my credit report, i NEVER live on XXXX XXXX XXXX XXXXXXXX Fl XXXX and never works for XXXX XXXX XXXX that info is not correct, My address for more that 15 years is XXXX XXXX XXXX XXXXXXXX Fl XXXX and my 17 years employer is XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hear by putting your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that Your organization assumes a vital role as a result my livelihood has been adversely affected.There is no such law that States anything that needs to be reported to a consumer report agency therefore your organization is liable Your organization neither exercises its responsibilities with fairness and then partially nor protected my right to privacy. I request you to give me a piece of evidence that the information which is being reported has been properly investigated. It also provides the details of the system adopted by your organization to determine whether the transaction took place or not.
Product: Mortgage

On XX/XX/XXXX XXXX  XXXX XXXX sold my parents mortgage to Shellpoint. XXXX  XXXX XXXX assured me that all of the documentation would be transferred to them in reference to me being the executor of the estate. Upon contacting Shellpoint they claimed that it was not and they could not speak to me regarding the mortgage. I have faxed their requested XX/XX/XXXX. I emailed them on XX/XX/XXXX, and was told by several that they were not received however I do have a read receipt for every XXXX mail I have sent. Then I emailed them again and was told they were received but still needed a copy of my identification which XXXX XXXX mailed that day ( XX/XX/XXXX ). I waited the requested wait time and called back and again was told they were not received. Every time I speak with someone from Shellpoint I ask their name and operator number, XXXX representatives were very kind and also gave me their identification information. They other representatives have been flat out rude saying things like " This is a recorded line, you do not need my information. '' " I can not speak to you, you can not pay off this account with out being on the account. '' When I asked about getting the information to pay off the note on line I was told " You can not pay off this loan on line, we will not issue a loan release to someone not on the account. I will not give you pay off wire transfer information. '' I have spoke with representatives that said they saw the information in the file but it was not uploaded and they " filed a complaint '' gave me a complaint number # XXXX. I waited and called back a couple days later and got the same story except I will send an XXXX mail to XXXX XXXX who is XXXX XXXX of contact for this account. The representative gave me the extension to contact XXXX XXXX but she is either constantly on the phone XXXX away from her desk. I am beginning to feel as if since they are a " XXXX Collector '' they are wanting only to either prolong making payments OR foreclose on the property. I asked to speak with a supervisor today who had me XXXX mail the documents to her directly, I did as she asked. She said she received them and would get back to me in XXXX to XXXX business days. Meanwhile the mortgage continues to earn interest and I continue to get letters in the mail from them wanting payment. Every time I have spoke with them I have told them that I am trying to pay off the mortgage but this makes no difference.
Product: Debt collection

Re : XXXX at XXXX and National Credit Systems , Inc. Complaint Dear Consumer Finance : I am writing to make a complaint against XXXX  at XXXX XXXX for failure to rectify and create habitation to unit. For the past few months, I have filed several complaints regarding the conditions in which I was forced to endure inhabitable unit. The landlord had refused to make repairs and rectify nuisance. The law states, Texas tenants can terminate lease or deduct and repair for necessary repairs. The tenant has a reasonable right to enjoy a place. The landlord is obligated to maintain property in suitable condition for the purpose for while it was leased. 

Most importantly, After filing 11 complaints from XX/XX/XXXX to XX/XX/2015, in regards to ceiling leaking water overhead in shower while in use, tub does not drain out during shower, shelving is loose/detached, toilet leaks, multiple indoor pest such as centipedes, ants, spiders, roaches, flies and termites, kitchen stove burner sparks and backfires during use, glass sliding living room door blinds chain/ cord/ wand broken when I moved into unit, tiles and paint peeling off shower wall and tub, nonstop leaks, electrical and lighting outlets did not work, refrigerator parts/ access missing/ broken, excessive noise levels originating from unit ( heard overhead in master bedroom ) due to neighbor in upstairs unit arguing and fighting constantly. Ive called police numerous times to report XXXX XXXX and notified the rental management of this issue. As per the rental agreement and the landlord failed to remedy these issues after receiving notification. I had no choice but to submit notice and vacate unit. Due to the ongoing stress and being unable to get proper rest it worsened my history of atrial fibrillation and caused me to make costly emergency room visits. 

Furthermore, I dispute the validation of the debt {$2600.00} and firmly believe I do not owe XXXX at XXXX XXXX anything. Due to several violations stipulations of the rental agreement and my right to terminate the lease due to inhabitable conditions and my right to reasonable enjoyable place to live. 

Thank you for your prompt action in addressing these concerns. 

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

REf CFPB XXXX # XXXX. Well at least XXXX XXXX has admitted that it was a motor vehicle record. Now find out what the motor vehicle record was, and the date and location of the motor vehicle record. 

# 2 I have already contacted USAA, my insurance carrier, and they can not tell me anything about the alleged conviction. XXXX XXXX response Is Not really a response. 

3. XXXX XXXX claims they can not identify my identity because they can not fully authenticate my identity with a copy of my Letter from USAA, my insurance carrier, a copy of my passport, and a copy of a recent statement ( that includes my address, from my insurance carrier. If this is not sufficient, I don't believe they should be spreading disinformation about a " conviction '' ... which is what they told my insurance carrier. 

4. XXXX XXXX has lied in that I have not recieved an email from them. 

5. I have not received a call from XXXX XXXX but damned if I'd tell a caller anything about my identity in this day and time.
Product: Credit reporting or other personal consumer reports

DEPT OF ED/NELNET XXXX please see docs attached company has violated 20 usc 1232g ( b ) the family educational rights and privacy act, that protects the privacy of student education records.
Product: Credit card

My problem is in two parts, both relating to how the credit card company has changed the application payments to my balance and interest charges. First, I recently made a payment in excess of the minimum. According to the Credit Card Act of XX/XX/XXXX this should have been applied first to the highest APR balance and then to the next highest APR until the extra money was gone, instead this extra money was divided between the different APR balances. This meant that money was left on the highest APR balance, even though the starting balance at this APR was {$0.00} and I made an extra payment of {$20.00}. When I requested an explanation of why the CARD Act was not applied they simple gave me a list of all the interest charges on my account and no reason for how they choose to apply this extra money above the minimum payment. 

My second problem is in part a question and in part a complaint. Beginning with my XXXX XXXX statement I noticed that the credit card company had begun applying the minimum payment in its entirety to the lowest APR balance without using part of the money to pay the growing interest of the higher APR balances. This has resulted in the balances at the higher APRs in fact growing, even though I have not used the card during this time. The overall balance is decreasing but the balances at the highest APRs, and therefore their interest charges each month are getting larger.Is this legal? I know that payments over the minimum are supposed to go to the highest APR balance but I could not find an answer about whether the card company is required to use the minimum payment toward all interest charges that have been accrued during a statement period. When I requested an explanation from the credit card company about this change in how the minimum payment was applied they ignored the questions of legality and the change in policy, instead telling me to make a payment over the minimum if I wanted it to be charged to the highest APR balance. However, as I have previously explained, when I tried this the money was not applied as expected.
Product: Credit reporting or other personal consumer reports

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Seven fraudulent accounts unauthorized identity theft : all state credit bureau opened XX/XX/XXXX balance XXXXXXXX XXXX XXXX  XXXX XXXX XXXX opened XX/XX/XXXX balance XXXXXXXX XXXX XXXX  opened XX/XX/XXXX balance XXXXXXXX XXXX XXXXXXXX XXXX opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX  XXXX XXXX opened XX/XX/XXXX balance XXXXXXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX balance {$2200.00} XXXX XXXX opened XX/XX/XXXX balance {$1100.00} Fraudulent address connected to fraud : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX mi XXXX XXXX XXXX XXXX XXXX mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX
Product: Credit reporting or other personal consumer reports

My complaint is against the credit bureau itself. My credit score was a XXXX. I refinanced my home and it showed that I had 2 mortgages. The credit bureau dropped my credit score XXXX points. When the 1st mortgage company removed the mortgage loan. The credit bureau only brought my score up XXXX points. How in the world is this fair. I worked so hard to pay my debt on time. I need someone to look into his matter and help resolve it. Thank you.