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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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, credit repair services, or other personal consumer reports

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed below within 30 days of receipt of this letter, you must remove this account from my credit report. 

SECTION 10 : BANKRUPTCY FILING NUMBER XXXX XXXX  XXXX DISCHARGE
Product: Student loan

Please see specifically the loans below : I called ED Financial. However they do not see in their system that I have been late. However, on my credit report it shows 5 times late. They also agreed to send a letter stating so however, due to a back log of inquiries, they can not get it to me within the next 30 days and I am now currently trying to buy a building.

XXXX XXXX EDFINANCIAL SERVICES L XXXX XXXX XXXX EDFINANCIAL XXXX I have attached a copy of the credit report showing the incorrect reporting.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN 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 ( 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.

EXPERIAN 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: Prepaid card

Lost my debit card , card was used to take XXXX cash from atm , I was told funds would be returned within 10 days , havent received anything.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctoring of estoppel by the silence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in therefore exists. ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX  BAL. {$16000.00}, XXXX XXXX BAL. {$16000.00}, XXXX XXXX XXXX  BAL. {$630.00}, XXXX XXXX {$510.00}, XXXX XXXX XXXX  BAL. {$150.00}, XXXX XXXX XXXXXXXX BAL. {$750.00}, XXXX  Bal. {$720.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

ITS BEEN 30 DAYS SINCE IVE SENT MY DISPUTE TO TRANSUNION POINTING OUT THE OBVIOUS ERRORS/VIOLATIONS THAT NEEDS TO BE CORRECTED
Product: Debt collection

I received 2 letters from an Attorneys office about hospital bills I never received. I sent a letter to the attorneys office but never received validation of the debt. I am requesting that this attorney not contact me anymore and the original debtor contact me/send me verification of the debt so that these bills can be evaluated for hardship. I sent a letter to the attorney 's office and as of today I have not received an answer.
Product: Checking or savings account

XX/XX/2021 {$16000.00} account was close never got my money called XXXX times they coundnt figure out what happent the money
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, my identity was stolen. Among other things, there were attempted withdrawals from my XXXX XXXX  checking and savings accounts. There were also fraudulent charges against my XXXX and XXXX accounts. On XX/XX/XXXX, I received an email from Robinhood XXXX XXXX notifying me that there were XXXX stock purchases made in my name. Following numerous email exchanges with Robinhood fraud reporting, they have never removed those fraudulent purchases and closed the account. I am still receiving periodic market reports from them. I also received an email notification on XX/XX/XXXX indicating my XXXX Tax Documents were available. I have never had an account with that online brokerage company, but I can not get them to close the account. I have reported the identity theft to the IRS to protect me against fraudulent tax charges. I need you to pressure them to close the account. I do not even have an account number from them.
Product: Credit card or prepaid card

I authorized a charge on my United Visa card based on a merchant 's promise of a " money Back Guarantee ''. When I tried to exercise that guarantee, the merchant reneged on the offer. I filed a dispute with Chase Credit Card. on XX/XX/XXXX, I received a letter with documentation from the merchant telling me I can respond. I called and was told I had 30 days but sent my response along with proof of the " money back '' offer within 5 working days. I was told that Chase does not have a set time from responses and the charge was reinstated. That is a conflict to the agreement where is states Consumer protection against fraud. How can there be consumer protection when the consumer is not allowed to present proof of the fraud?
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone fraudulently requested a credit limit increase on my XXXXXXXX XXXX credit card on XX/XX/2022 and I got a hard inquiry. I did not authorize it.
Product: Debt collection

A debt collection of {$2700.00} showed up on my credit report on XX/XX/XXXX from Pro Collect Inc. their address and phone number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with the phone number XXXX. I spoke to them regarding this debt in XXXX and this is when I asked for the information on the account, what the debt was for, I also asked for any documentation they could send to me over this account. Pro Collect Inc did not send anything. I also was spoken to very unprofessionally and was hung up on. I again called on XX/XX/XXXX at XXXX to try again to get any information they had and was again the employee was very unprofessional and unwilling to hear anything I had to say. The one piece of information that the employee gave me ( as she was speaking very fast, I only was able to write down what I heard her say ) was that there was a charge for utilities, countertops, blinds, carpet and a late fee on my rent. I told the agent at Pro Collect that I have pictures of the apartment when I moved out, and she told me that pictures don't matter. The Pro Collect Inc. agent was again unprofessional and would not even listen to anything I had to say, and I was trying to again request documentation of these charges, but could not get that out before I was hung up on again. 
After my XXXX contract was over in XX/XX/XXXX for the XXXX XXXX  XXXX XXXX I went month to month after my lease contract was over because I was trying to find a rent house. When I went to the apartment manager, she told me that I would need to pay {$1600.00} per month and would need to give them 30 days notice before my move out date. I agreed and the apartment manager 's request, and she did not give me a contract to sign. I then gave the manager of the apartment more than 30 days notice of move out in XX/XX/XXXX, and I moved out before the end of XXXX ( on XX/XX/XXXX ). And paid the full {$1600.00} for the month of XXXX. I took pictures of every part of the apartment and paid all of my utilities before I moved out. I left the apartment in the same condition that it was given to me. So Pro Collect Inc. is fraudulently charging for things that I do not owe. I never would have received a late fee because I paid for the full month of XX/XX/XXXX and paid every rent payment on time. I have documentation of this on my bank account statements. 
Furthermore, I reported Pro Collect Inc. to the XXXX  and noticed that there were XXXX complaints against them for the same exact thing they are doing to me.
Product: Mortgage

Tuesday XXXX2020 I asked my wife to contact Guild mortgage company about any relief programs we can take advantage of. My pay is commission based and with business and people on a stay at home i'm affected. We were told we can do a forbearance and at the end of 90 days we have to make a balloon payment. What good that does I have no idea. My car payments are just going to be pushed to the end of my loans. Now that is a great help. 


Guild Mortgage Co. 
Loan Servicing Help Center XXXX XXXX XXXX XXXX  - XXXX XXXX  PT
Product: Credit reporting or other personal consumer reports

XXXX XXXX Opened XXXX {$12000.00}, XXXX XXXX Opened XX/XX/XXXX, XXXX {$4300.00}, XXXX XXXX XXXX, XXXX XXXX {$1600.00}, XXXX XXXX XXXX XXXX, XXXX {$14000.00},, XXXX Opened XXXX, XXXX XXXX, XXXX Opened XXXX, XXXX. XXXX {$14000.00}, XXXX Opened XXXX XXXX XXXX {$6100.00}, XXXX XXXX Opened XXXX XXXX {$12000.00}, XXXX Opened XXXX {$1200.00}, XXXX XXXX Opened XX/XX/XXXX {$770.00}. I have written dispute letters and have not received any responses. Many errors on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I called a loan mortgage ONLY to check if I will be applicable to get a pre approve if I moved from XXXX  to XXXX  to buy a house without run my credit now because I will not move anyway now to the new state, he confirmed to me that he will not run my credit and he will only check the possibility of how much I may get as pre approve then he asked me to submit the application with all my details so he can check all my income and expenses ONLY. 

Please I need to dispute on XXXX  and XXXX  the hard inquiries i got because of him.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

victim of ID theft and equifax and XXXX  will not let me look at my credit online
Product: Checking or savings account

XX/XX/23 accidentally paid {$2000.00} to a now defunct XXXX XXXX XXXX instead of XXXX XXXX XXXX, I have beaten my head against the wall calling both companies snd Bank of America and Im getting nowhere!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX An unlawful account was created on XXXX XXXX and added to my credit report XXXX XXXX XXXX  this account was illegally added to my Credit Report I am writing to dispute the inclusion of Child Support Delinquent Child Support Payments, Judgements, Liens Fines on my credit report. According to the recent notice from your agency, federal court rulings have determined that Delinquent Child Support Payments, Judgements, Liens Fines do not arise from a credit transaction and should not be reported on credit reports. 
I request that you promptly review my credit report and remove XXXX XXXX XXXX XXXX. I have enclosed supporting documents supporting the inaccuracy of these entries. 
Please comply with the new interpretation of the law and ensure the timely correction of this error. Kindly provide written confirmation of the removal of the DISPUTED ITEM from my credit report. 
Thank you for your immediate attention to this matter. I expect a swift resolution. 

Sincerely, La XXXX XXXX : Of the XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account name XXXX XXXX XXXX, account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602a. States I have the right to privacy.

15 U.S.C 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Student loan

Navient Solutions Inc. XXXX {$15.00}, XXXXXXXXI am disputing the validity of this debt for unfair and deceptive practices. Navient Solutions, formerly XXXX XXXX, has not provided an accounting of interest paid, the loan interest rate, or account statements that detail the payment allocation and/or payment methodology at any time during this loan. 

This loan originated in XXXX 2005 in the amount of $ XXXX. Other than XXXX forbearance period of less than 6 months, this loan was paid on time for more than 9 years with payments ranging from $ XXXX {$250.00} ; with 96 months of payments at {$240.00} the amount paid on the loan is in excess of $ XXXX, yet the current amount due according to Navient is more than $ XXXX, more than the amount initially borrowed. 

I can provide bank statements as proof of payment history as payments with automatically debited from the account.
Product: Debt collection

I got a voice mail on the XX/XX/XXXX XXXX from someone with the he last name XXXX he said that someone is making a complaint against me so I called the number he gave me on voicemail.They said they were filling a lawsuit against me for Debit that I owed capital one. Back in XXXX  year. I told them that was not me I never had a capital one card with them in XXXX. But they have all my information my maiden name and Social Security number my address my phone number and birthdate. I did not answer them when they asked if that information was right .I told them that debit is not mine. They called me a lier and they were going to put a lawsuit against me and levy my Bank account and put a judgment against me. And said there would be a certified letter coming to me in about 10 days.I really could not say much XXXX XXXX would not let me talk .The name of the company he said is XXXX XXXX
Product: Checking or savings account

I had lost my debit card somewhere between Tuesday, XX/XX/XXXX19 XXXX and Wednesday, XX/XX/XXXX19 XXXX. I had used the debit card on XX/XX/XXXX19 at XXXX, {$480.00} at a casino atm using my PIN. I did write my PIN down on a sticky note. Along with 2 other credit cards, I lost the debit and PIN. 3 unauthorized charges were made and I reported everything within 24 hours, told them I had written the PIN down. Chase submitted a claim and told me a temporary credit will be given in 12 hours. I was assured that would be done. 12 hours later, nothing. I called and was asked to wait another 12 hours after the charges have been posted. It is now Wednesday, XX/XX/XXXX and nothing. I was told the charges just posted so itll be done by the end of the business date. XXXX nothing. Was told yet again to wait. Thursday, XX/XX/XXXX19 morning I called again and was told the temporary credit was never approved and the bank has XX/XX/2019 to provide temporary credit. Wouldnt give me emergency credit for 200 citing that my account is new and they need to investigate. Went into the branch today and was given 100 as emergency. However they advised me that I would probably get denied because I lost my PIN. Also I have alerts set up in my account to notify me of transactions involving my debit card if it exceeds {$1000.00}, I was never notified. I do, however get notified everytime my balance drops below {$50.00}. Chase security never caught the 2 {$1000.00} purchase/withdrawal as possible fraud especially if my account was new. 

I reported the lost of both PIN and debit card within 48 hours. I was honest about losing my PIN. I was assured a temporary credit will be issued within a certain timeframe and never happened. Now I fear I may lose my claim because I lost the PIN with the debit card. I thought I had federal protection against liability even if my PIN was lost? Im fearful of what Im going to do if I lose the {$2300.00}. The bank is giving me the runaround and making me wait. The bank neglected to contact me for these transactions. I need help to fight with the bank. This is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did filed a complaint with CFPB last week against Equifax and the result was that Equifax did agreed to immediately deleted and completely removed all the unauthorized fraudulent inquiries that I disputed. As always Equifax doing saying Were sorry and we deleted everything fraudulent. As of today all items still on my Equifax credit report. As usual Equifax playing games and it becomes frustrated. 

The following unauthorized fraudulent inquiries must be deleted immediately : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I sent the attached letter to Santander certified on XX/XX/XXXX and have yet to receive a response. The company is required to send me a signed contract with the signature matching my ID to validate the debt. Also, They are involved in a class action settlement. The settlement includes all auto loans from XXXX. Both accounts on my credit report fall in that range. Santander has sold the accounts to collections and kept both original accounts on my credit report against the settlement.
Product: Credit reporting or other personal consumer reports

I am writing in response to the recent late payment notice I received for my account. I would like to clarify that the payment for this account was made, as the fair credit reporting act 15 U.S.C 1681 states credit bureaus must be accurate.

It appears that there may have been a delay in processing or recording the payment, which resulted in the late payment notice. I kindly request that you review your records and update my account accordingly, reflecting the accurate payment date and status.

I appreciate your prompt attention to this matter and look forward to your confirmation that the issue has been resolved. 

Thank you for your time and consideration. If you have any questions or need further clarification, please contact me
Product: Debt collection

On XX/XX/XXXX between XXXX XXXX  and XXXX XXXX  I closed, cancelled, paid in full my XXXX XXXX plan. My wife and I got married in XX/XX/XXXX and instead of having two separate cell phone carriers I decided to close and cancel my service with XXXX XXXX that I had been with for over 15 years. 
Before I could transfer my phone and phone number to XXXX I had to cancel and close my XXXX XXXX. I called XXXX XXXX customer support while standing in the XXXX XXXX XXXX. While on the phone with the customer service associate I explained the situation and what I was going to do. The customer service associate stated we are sorry to see a loyal customer go but we understand your situation. I kindly described to the associate that I was ready and willing to pay any and all debts on my account that evening prior to cancelling my XXXX XXXX service. On a recorded line I was reassured my account was in good standing and was financial current. I expressed my concern that I did not want any surprises in the future and to please carefully review my account once more to make sure I did not owe any money on installment plans or devices. Once again on a recorded line I was assured my account was paid in full and that I owed XXXX money. I stated again on the recorded line Are you sure and yet again I was reassured about my account. I proceeded to close my account while at the XXXX XXXX store. From that point I transferred all my contacts and info to XXXX. 
A few months later I received contact from collection agencies stating I owed {$650.00} to XXXX XXXX. XXXX XXXX  had not tried to contact me or reach me at all to discuss this matter. 
Since then I have been in collections and it is extremely disrespectful to me as the consumer to be dealing with this issue. I have been wrongfully charged for XXXX XXXX problems and It is impacting me negatively on my credit score. 
Amshur collection is the current collection company that has the bogus contract
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XX/XX/XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports.
Product: Credit reporting or other personal consumer reports

I have recently filed multiple investigation request letters with the credit bureaus, but unfortunately, they failed to provide me a response and are still reporting inaccurate information on my credit report. This is a clear violation of the Fair Credit Reporting Act ( FCRA ). Should further evidence be needed, I am able to provide copies of the aforementioned documents upon request. Additionally, I have included a photocopy of my identification and recent utility bill within the investigation request letters as supporting documentation.