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

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX
Product: Vehicle loan or lease

My mother’s credit score at the time was low resulting in the need for a co-signer. The loan was approved only under the circumstances that I was listed as the primary on the loan.“The Consumer Credit Protection Act, 15 U.S.C. 1601 et seq., is the collection of federal statutes that protects consumers when applying for or receiving credit.”First problem previously reported to Ally Auto: the auto loan does not reflect on my mother’s credit, just mine. As a result of such practice, I cannot partake in the option to be released from the auto loan therefore, preventing my mother from establishing and or maintaining her own credit after 2 plus years of payments. “The Fair Credit Reporting Act (FCRA) and its implementing regulation, Regulation V, require that furnishers of information to consumer reporting agencies ensure the accuracy of the data placed in the consumer reporting system. Additionally, the FCRA prohibits the use of consumer reports for impermissible purposes, and it requires users of consumer reports to provide certain disclosures to consumers.”Second problem: As part of the loan agreement, the lender is required to give all parties written notification when the other party is late with a payment and or makes changes to the account/loan terms and conditions. This has not been honored by Ally since the commencement of the loan even after making several verbal request. Third problem: Both Ally and my mother reported making a payment arrangement (in both negative credit reporting situations) which is supposed to deter negative reports on my credit. This is now the second time I have had to contact customer service regarding a delinquent payment reported incorrectly on my credit after a payment arrangement was made. Not once, was I informed of the late payment/arrangement nor given the option by the Ally to make the payment.At no time during either situation of the approved and thoroughly documented payment arrangement did Ally communicate the terms and conditions of such option(via letter, email or by phone) to me as the primary borrower on the loan. As a consumer, it is imperative to be properly informed of any changes occurring that may potentially hurt my credit. Ally does not consider such practice of informing all parties on the loan of any drastic changes. Therefore, Ally has intentionally violated the terms of the loan and the regulations of the law that protects consumers from misappropriation of information reported to the credit bureaus .
Product: Debt collection

Hello, I have tried making an attempt to do a settlement with an agreement of deletion letter company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX I have spoken with a lady XXXXXXXX XXXX XXXX  on XX/XX/year> this lady was rude very asked her to speak with her supervisor to see what we could do to work out an agreement being this is abought debt, and you pay for pennies on the dollar. I asked that I could pay {$500.00} to settle and the lady laughed at me and the supervisor said no. I asked her if she could try to further discuss it with him and see if we could work something out, she said she would talk to him I told her I would be able to call her back at XXXX that same day she gave me a number to call XXXX ext XXXX. I called at XXXX and did not get an answer I continued to call up until XXXX XXXX that day, Then the following morning I attempted to call and kept getting transferred around to different people and hung up on. Then XXXX XXXX called me and left a very hasty aggressive voicemail. I missed the call being I was at work and kept trying to call back when I had a moment. I continued to call for the rest of the day and a lady would answer the phone I would tell her who I was and that I was returning a call to speak with XXXX XXXX, she told me to hold and transferred me and I got hung up on. I called back a lady answered the phone I told her I was returning a call for XXXX XXXX I was transferred and put on hold for over XXXX minutes, and I have proof because I screen recorded everything. The employees are very unprofessional will be doing a business complaint with XXXX being I see that the company is not BBB accredited as well as a Consumer Complaint I have already started the disputes in action with the bureaus and will pursue further action to get this matter resolved. This business should be looked into for their practices and unprofessionalism as well as attempting to collect money from people and not being XXXX credited it seems as if they may be scamming people out of their money. I have made reports with each credit bureau in reference to this matter requesting a validation letter the company Nelson Cruz & Accoiates is also getting the same letter certified. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XX/XX/year> 2. XXXX  XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. 
This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 30 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Credit reporting or other personal consumer reports

Transunion was the only company I contacted as the report was from them that included the fraudulent inquiry. They said they would reach out and let the company know. Also the customer service person advised me to call the FTC and the FTC site said to call cfpb.
Product: Credit reporting or other personal consumer reports

My account with the company and i 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 MONTHS REPORTING LATE 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. 

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

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

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

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

The Credit Bureaus never did a proper " investigation '' 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. 

The did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions I did not give anybody written instructions. 

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX  XXXX  XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Complaint : I do not have a contract with Captial One Bank USA NA. I am not liable for collected this debt owed of {$540.00}. I am not responsible for this debt. Desired Outcome/Settlement Charged off as Bad debt profit and loss write off an sold to a third party with no contract. Desired Settlement : Correction to credit report DELETE FROM CREDIT REPORT It got deleted from XXXX but not from XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I operate a business I am a XXXX XXXX who buy my goods from XXXX however transfer wise decide to close my account because they couldnt fulfill My payments I definitely doesnt feel thats fair because I been doing business with these people for years all of sudden you shutting me down
Product: Credit reporting or other personal consumer reports

These inquiries are not related to me or any accounts I'm associated with.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX should not be reporting each Inquiry showing on my credit report for Auto Financing as a separate line item. ( Please see page attached from my credit report. ) These multiple inquiries are well within the ( 14 45 plus ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only ( 1 ) inquiry. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) 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 CORRECT or DELETE all information which can not be verified. 

XXXX XXXX, XXXX XXXX XXXX, & XXXX XXXX XXXX
Product: Checking or savings account

I have been a customer for 4 years now with Chase, on XX/XX/XXXX they charge me a {$75.00} Legal Processing Fee, that made my account balance go negative, then they kept charging me fees because my account went negative. When I called Chase, they told me they would have to transfer me to their legal expert and I was kept on hold for extended periods of time until they eventually hung up on me. They are also not allowing me to close the account either. 

XXXX XXXX - was the manager who is made the decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX APT XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} Medical XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Paypal refused to provide us with appropriate information as to the closing or lockup of one of our accounts. Despite a week of trying to get a straight answer, I was constantly sent a standard copy and pasted response. This blocks and closing of our account also blocked us from any phone communication with PayPal via our account. This forced us to search the internet for a corporate number for Paypal. This led us to a scammer but we did not know this. This is where TD bank gets involved and then refused to stop a fraudulent withdrawal from our checking account despite be contacting immediately when we discovered that this was NOT a verification process at all but a scam. We had no way of knowing the difference as the previous verifications by the supposed company, Paypal, had no issues. The 4th verification was the one that turned out to be a scam. Paypal is also culpable in this case as it would not have occurred if they had not blocked our account and prevented us from properly reaching customer service through our PayPal account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ORDERED AND PAID FOR AN EQUIFAX ACCOUNT AND I STILL AM NOT GIVEN A LOGIN TO VIEW MY CREDIT. I FAXED OVER THE INFO THEY NEEDED BUT AM STILL NOT ABLE TO ACCESS MY CREDIT.
Product: Credit reporting

information on criminal background check does not belong to me and is reported through First Advantage this is holding about a career opportunity and needs to be cleared up immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 and XX/XX/2022, Experion has charged me {$25.00} a month. But I dont know what the charge is for and Experion will not let me speak with a customer service rep unless I have a login or know Experion account details. If I dont even know what the charge is for, how can I get access to a customer service rep?
Product: Credit card or prepaid card

On Saturday, XX/XX/2023 I was making a Delta Airlines booking. At the point of payment, I was offered a signing bonus of XXXX miles plus {$400.00} credit if I spent {$2000.00} with 3 or 6 months AND a {$400.00} credit toward a Delta flight if I booked one within 6 months if I applied for their AmEx Delta SkyMiles Gold credit card. I signed up for this card. As I hit submit to purchase this, the system did not take the payment. I then received an email that gave me access to my card number with a temporary CVV code. I went back to the Delta website and booked my flight. 
I called AmEx on Monday, XX/XX/2023 and asked when my credit was going to be posted. After their review, they said that I was not eligible for the offer and that I received a pop-up saying that I was not eligible for the offer and if I wanted to continue. They said that I clicked yes to this. There is NO way that I would have signed up for this without the bonus as I was expecting this to pay for my flight to Kansas. I would have just put it on another card. We went back and forth and it turned into a he-said, she-said event. 
AmEx offered my a card with certain bonuses that were not given to me. This was basically a bait and switch. I would like AmEx to fulfill the bonus that I signed up for. 
I made sure to take a screenshot of offer as I have heard companies trying to deny that an offer was ever made or that the offer is less than was is published.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I am very disappointed. REMOVE IT ASAP.
Product: Credit reporting or other personal consumer reports

I contacted Goldman Sachs Bank/Apple Card on XX/XX/2023 to exercise my right to opt out of the disclosure of my non-public personal information to all third parties including consumer reporting agencies, XXXX, XXXX, XXXX Warning XXXX XXXX XXXX XX/XX/XXXX and XXXX. 
Per 15 U.S.C. 6802. 
I have not gotten a response from this company and they continue to report my personal information to third parties.
Product: Student loan

I attended graduate school XX/XX/XXXX XX/XX/XXXX. I did not request for Navient to change my student loan account from repayment to in-school deferment. I paid half my payment every XXXX weeks which means I made an additional payment each year for a total of 13 monthly payments/year. In XX/XX/XXXX, prior to my consolidation, I saw that these months were documented as in-school deferment and requested the in-school deferment be removed so these months counted as active payment months. Navient replied XX/XX/XXXX that they could not remove the in-school deferment since it would put my loans severely past due and the payment for XXXX XXXX was due XX/XX/XXXX ( 4 months away ) and XXXX XXXX was due XX/XX/XXXX ( the next month ). Since I had made the same monthly payments plus XXXX additional monthly payment each year, this did not make sense to me. I called Navient and asked again if they would remove the in-school deferment. The individual who answered the phone said yes, she could remove the in-school deferment for both XX/XX/XXXX ( when I was not in school and did not request a deferment ) and XX/XX/XXXX XX/XX/XXXX. I then requested to consolidate my student loans to XXXX to access the temporary waiver program. 

I had no idea that my second request was denied until XX/XX/XXXX. I never received additional communication that my phone request was denied. I do not understand why it was denied in XXXX, and why I was not offered a way to remove the in-school deferment and come current with any interest that XXXX have been owed. I also do not understand how there could be any delinquency by removing the in-school deferment when I made the same monthly payment since XXXX plus XXXX additional monthly payment each year. I called Navient again on XX/XX/XXXX and requested they remove the in-school deferment and allow a way to come current with any past interest due during that time and was told they would resubmit the request, but most likely it would be denied. 

This feels incredibly unfair and like Navient is continuing to misguide/scam student loan borrowers. I have been paying on these student loans for decades and even when my kids were little and I could not afford full-time daycare, I worked PT ( just under the XXXX hours/week ) for a non-for-profit organization, I continued to make my monthly payments.