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

Please remove these inquiries from my credit report as I did not authorize them. I have included the identity theft report as well. 

XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 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 XX/XX/2022
Product: Payday loan, title loan, or personal loan

I received an installment loan from Tower Loan and paid the loan in its entirety, which has finally been noted on my credit report. However, during that process they kept calling and sending me things in the mail stating that my payments were late. It was not until I disputed that erroneous information did they finally change it and closed the account. However, during this time I started seeing multiple inquires on my credit report from Tower Loan, which  looked as if I gave them permission to perform hard inquires on my credit. At that time, I did not apply for any new lines of credit and when I inquired about this situation. I received a letter saying in an attempt to collect my debt, which I had paid in full, they performed hard inquiries on my report. I would like for those inquires to be removed and any of the supposed late payments removed as well. This company is horrible and I can only imagine the many other customers that overpaid their loan like I did. Thank you for your assistance in this matter.
Product: Debt collection

On XX/XX/XXXX a judgment against the consumer myself was made without recognition of me bringing the fax to the table and the violation of my rights under the fdcpa the harassment and unfair debt collection practices that Michael Taylor Gray LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX has made against me has caused great harm damage and injury to my privacy and is a violation of my rights as a consumer On XX/XX/2023 I sent the company McMichael Taylor Gray LLC and the courthouse a cease and desist under usc 15 1692 which was not recognized by the debt collector or the court I also sent in a billing dispute affidavit of fact a affidavit of rescission a conditional acceptance a 1099 a and a 1099 b with everything certified mail and notarized all of them being certified informing the debt collector and the court as a natural person I know my rights under the fdcpa which was not recognized and has caused me great harm damage and injury to my personal well-being with all of these disputes the companies at hand did not answer any of my questions which pertain to USC 15 1692g ( a ) the amount of the debt the name of the creditor to whom the debt is old the validity of the debt verification of the debt and name and address of the original creditor none of the information that I asked of the company McMichael Taylor Gray LLC was answered in a lawful fashion and was not there for original transaction
Product: Student loan

XXXX XXXX now Navient : 1 ) Collected {$5400.00} during my Chapter XXXX process, and credited me for {$300.00} only. 
2 ) When Chapter XXXX was completed successfully in XXXX 2009, i put it on direct payment. Since then they have been collecting {$200.00} every month. Have now paid {$14000.00}. 
3 ) My credit report says I owe {$29000.00} still. 
4 ) Navient says my payments are for 20 years! So they say my last payment will be when I am XXXX. 
5 ) If I ask for a payoff amount, they say {$28000.00}. 
6 ) Years ago I asked them about the forgiveness program for government workers & they said I had to be paying them for 10 years before I could even get into the program. When I retired 3 years ago, I had given XXXX 29+ years of service. 
Nobody wants to help me. I am so disheartened. 
Please help me! I just want a fair accounting. My loan is 4.875 %
Product: Credit reporting or other personal consumer reports

I DON'T RECOGNIZE THESE INQUIRIES ON MY REPORT XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ON XXXX XXXX XXXX
Product: Credit card or prepaid card

Received a 'Notice of statement credit ' dated XX/XX/2017. In the letter it indicated I would receive a {$330.00} statement credit which would be applied to my account and would appear on my statement within two billing periods. 
My credit was never received so I phoned the credit card company and it was then explained to me that I would receive my credit by each {$50.00} purchase with a 1 % cash back. 
I do believe this is wrong and it stated a credit to my account. I would very much like this explained to me thoroughly.
Product: Credit reporting or other personal consumer reports

I applied for a XXXX XXXX store card issued by XXXX XXXX around XX/XX/23. I did not receive any correspondence regarding the application and didnt even know if it went through. The only way I found out that anything had taken place was when I saw a hard inquiry on my Experian report. I was told that my application was denied because XXXX XXXX could not gain access to my XXXX and XXXX reports. Only discovered this once I called to ask why there was an inquiry. There are no letters or notifications in my XXXX XXXX account or XXXX XXXX account pertaining to this application. I was not requested to lift the freeze in any way. I requested that the hard inquiry on my Experian report be removed as the application was not complete. XXXX XXXX stated that they needed access to all 3 bureaus to make a determination. However, the representative would not honor that fair and reasonable request. I have been penalized by other creditors whom I have cards with for having too many inquiries after XXXX XXXX reporting.
Product: Debt collection

I sent a letter to Midland Credit Management on XX/XX/2025, requesting detailed documentation and a ledger of the debt, as well as validation of the debt, subrogation rights, and reimbursement for any collateral. Despite this, I received a response that did not address my full request or provide the necessary documentation. I am requesting that they comply with my legal rights under the Fair Debt Collection Practices Act ( FDCPA ) and provide me with the requested information, or I will be forced to pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple times with Transunion, XXXX and XXXX regarding the inaccurate reporting of XXXX. 
These inaccurate accounts continue to be reported and they are not mine. 

XXXX Opened XX/XX/XXXX {$270.00} Original creditor : XXXX XXXX Opened XX/XX/XXXX {$1000.00} Original creditor : XXXX
Product: Credit reporting or other personal consumer reports

PLEASE SEE THE ATTACHED DOCUMENTATION FOR THIS MATTER. THE ACCOUNTS LISTED IN THE DOCUMENTATION ARE EXPECTED TO BE PERMANENTLY DELETED WITH NO FURTHER OBLIGATION OR ACTION. THESE AGENCIES HAVE COMMITTED FRAUD BY REPORTING INACCURATING INFORMATION TO MY CREDIT PROFILE AND DAMAGING MY REPUTATION AS A CONSUMER. IN THE NEAR FUTURE I PLAN TO PROCEED WITH THE LITIGATION PROCESS ALREADY IN PLACE IN ORDER TO ENSURE AND ENFORCE ACCURATE CREDIT REPORTING FOR ALL CONSUMERS. ALSO ... ..I HAVE REVIEWED A COPY OF MY CREDIT REPORT AND THERE IS MULTIPLE HARD INQUIRIES THAT I HAVE NOT AUTHORIZED WITH ANY AGENCY. I HAVE CONTACTED EACH COMPANY WHO FAILED TO PROVIDE ANY ORIGINAL WET INK SIGNATURE CONTRACT ACCORDING TO SECTION 609A OF THE FAIR CREDIT REPORTING ACT. I AM REQUESTING THAT THE FOLLOWING INFORMATION BE DELETED FROM MY CREDIT REPORT IMMEDIATELY. FAILURE TO DELETE WILL RESULT IN A LAWSUIT AGAINST EACH AGENCY REPORTING FRAUDULENT INFORMATION TO MY CREDIT PROFILE. SECTION 605B OF THE FCRA REQUIRES THIS INFORMATION TO BE PERMANENTLY DELETED WITHIN 4 BUSINESS DAYS OF RECEIPT OF THIS INFORMATION. THE FOLLOWING HARD INQUIRIES ARE
UNAUTHORIZED : XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry date I WILL FOLLOW UP WITH EACH AGENCY TO ENSURE THAT THIS MATTER IS TAKEN CARE OF WITHIN 4 BUSINESS DAYS.
Product: Bank account or service

This complaint refers to the checking account with Wells Fargo opened on XX/XX/2016. This account was opened with the understanding that it is eligible to receive {$100.00} bonus after all qualifying transactions were made ( please see scans for details ). 
As pr requirement of this bonus offer terms and conditions, all qualifying transactions were made shortly after the account was opened. As of XX/XX/2016, no bonus offer was received despite the fact that I have tried to discuss this problem with various customer service representatives including from online department. 
Thank you for your help
Product: Credit reporting or other personal consumer reports

My account with XXXX AND  XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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. 

XXXX AND 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: Vehicle loan or lease

I am writing to you based on the recommendation of Ally customer service department regarding my credit rating and account with their company. I have been a loyal customer of Ally Financial Inc for many years, specifically since XX/XX/2020. Throughout our XXXX and XXXX business relationship, I have consistently adhered to the terms of our account agreement and fulfilled all payment obligations. I want to express my gratitude for the excellent service they have provided. To my surprise, I recently received an alert from my credit monitoring company informing me that I was 30 days late on a payment of {$290.00}, of which I had no prior knowledge. This oversight has had a significant negative impact on my credit rating, causing it to decrease by XXXX points. Recognizing the importance of our account, I immediately made the payment of {$290.00}. I sincerely apologize for this error and oversight, as it is not consistent with my impeccable payment history with their company. I have always made timely payments and fulfilled my obligations without any delays. The only plausible explanation I can think of for this mix-up is the transition period between the maturity of the previous lease and the extension of the current lease. However, regardless of any financial obligations that need to be met, I am committed to honoring them and continuing to make payments as agreed. I am truly grateful for the years of positive credit history I have built with their company. However, the recent late payment mark on my credit reports is causing me significant distress. I have plans to keep the vehicle and finance the remaining balance of the maturing lease with Ally 's institution, as well as to purchase a house. Unfortunately, this negative mark will adversely affect my chances of obtaining favorable rates and terms. This is where my " Goodwill Request '' becomes relevant. I am in desperate need of restoring my credit rating to its previous positive position prior to this oversight. I would greatly appreciate it if Ally could please complete a UDF ( XXXX XXXX Form ) and fax it to the credit bureaus as a " Goodwill Adjustment '' to have the XXXX late payment entry deleted and removed. Alternatively, you may send me the necessary correspondence, and I will personally forward it to the credit agencies to avoid any inconvenience to your company. It would also be helpful to have a copy of this correspondence for my records. Please let me know whichever option is most convenient for your company. The credit bureaus have informed me that they will act in accordance with your instructions, but they require written confirmation. I humbly request your assistance in this matter, taking into consideration my longstanding positive account history of 42 months with Ally financial company. Your attention and consideration will be greatly appreciated. Kind regards, XXXX XXXX and XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2024 I received a notice from United Collection Bureau stating that I had owed them. I respectfully asked them to show me an original contract that showed that I had taken into a contract with this company. I sent them by certified mail return receipt a questionnaire as well as a letter not refusing to pay if they could show me. To no avail they kept sending old copies of a contract that was taken with them nor did they complete my questionnaire. I actually gave them the time allowed by the FCDPA and FCRA. I sent them XXXX ( XXXX ) notices in which I have attached here within. They ignored all three ( XXXX )
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureau, has already corrected the inaccuracy these accounts from their records due to an identified error. I am perplexed as to how you have verified these accounts while the other bureaus have updated it. Therefore, I request that you correct these accounts from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XX/XX/XXXX, I vacated my apartment at XXXX XXXX in XXXXXXXX XXXX Since moving out, I received communication from a third-party debt collection company, National Credit Systems , claiming that I owe a balance of {$4900.00}. I have never conducted business with National Credit Systems, nor did I authorize them to have access to my personal information. 

On XX/XX/XXXX, I sent a cease-and-desist letter to National Credit Systems requesting them to stop all communications and provide validation of the debt, including proof that this debt is mine. I also questioned how they obtained my personal information without my consent. The collection company responded on XX/XX/XXXX, by providing a breakdown of charges from XXXXXXXX XXXX  but did not sufficiently address my concerns regarding how they acquired my information. 

I have since disputed the debt, as I believe I do not owe the claimed amount. The charges seem excessive, and I am unsure why my account was sent to collections. I have not received proper documentation to validate the debt, and the collection agency continues to pursue me without a clear resolution.
Product: Credit card or prepaid card

I paid my consumer credit card bill in full on the date due. They sent me a statement with a balance for interest. When I called them I was advised even though payment was received on the due date my payment didn't post until the following day. I questioned this and they waived the interest charges, but in my mind this deceptive business practices as if I would not have known to check further and question it I would have been responsible for interest I technically did not know. How many people are getting stuck this way? Shameful this company operates this way.
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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : XXXX XXXX XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX XXXX XXXX - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX XXXX - XX/XX/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

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 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 

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

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

I have contacted chase 3 times to file an appeal to a decision to raise the credit limit on my card based upon incorrect information reported by XXXX and XXXX. I have not received a letter for denial nor a copy of the credit report they used to justify their decision. They have provided no information to justify their decision.
Product: Credit card or prepaid card

Crypto.com is refusing to follow Visa Guidelines on reported Fraudulent Charges against my Visa Debit Card. 
All requested Purchases by me were discontinued in XX/XX/2021. 
In XXXX, XXXX and XXXX There was about 49 Transactions that had occured without my authorization.

I have finally got into contact with Crypto.com a few days ago and was ask to send a personal photo of myself for verification.

I do not insert personal photos over the internet to strangers and provided all sensitive info that could verify myself and was refused help to dispute the charges.

Upon request of a mailing address or contact number I was told they do not have one that only way i can verify its me is via personal photo.

Requesting help to recover stolen funds
Product: Credit reporting or other personal consumer reports

This is my fourth time disputing this account with Equifax Information Services LLC and I the consumer have not received one piece of evidence that proof this account is being reported accurately. Under the FCRA consumer reporting agencies shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I want is for Equifax Information Services LLC to treat me with fairness by compiling with the LAW.

All the late payments under this account XXXX XXXX  Account # XXXX is being reported inaccurate can you please update every late payment paid as agreed or provide me with all the evidence per 15 USC 1666b ( a ) and proof of the notices per 15 USC 1681s-2 ( 7 ) ( A ) ( B ) and 15 USC 1681i ( 6 ) ( A ) ( iii ).

If you choose not to comply you will be in violation of 15 U.S. Code 1681n Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of {$XXXX} per violation. 

MY NEXT STEP IS TO FILE A LAWSUIT!
Product: Credit card or prepaid card

Bought a Vanilla visa card. 3 purchases made on card already. Before ot could be used. Vanilla customer service is unusable. Keeps sending the customer to different number that don't work. Also, card numbers when called are not identified as Vanilla either. Unable to get any help at all. Funds are stolen