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

XXXX XXXX XXXX has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts also XXXX is reporting the date of last activity as XX/XX/XXXX XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX, It is a violation to re-age a collection account 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

I obtained XXXX private loans through American Education Services ( " AES '' ) when I was attending college for my XXXX degree in XX/XX/XXXX and XX/XX/XXXX ( respectively ). I still owe almost {$30000.00} on these loans, even though I have been paying on them for years. I pay almost {$240.00} per month on these loans and almost XXXX % of my payment is applied to the interest. One of the biggest issues I had with this company is that I apparently did not qualify for a deferment when I returned to school in XX/XX/XXXX for my XXXX degree. AES had told me that my loans were " too old '' to qualify. Additionally, I have tried on numerous occasions to reduce the payments by either going with a graduated plan or income-based plan. AES says my loans do not qualify for either. If I am even a day late on my loans, they harass me by calling me as late as XXXX XXXX, when I 'm trying to get my kids to bed. I 've called on different occasions when I was behind on payments to either discuss the situation or otherwise work out arrangements and their response to me is always something along the lines of, " we do n't care ; pay what you owe ''. I even had to file for bankruptcy at one point in my life because the loan payments were too much to handle with other financial obligations. 
I 'm married with XXXX kids. I 've never had a job that pays more than $ XXXX/hour and right now, I make less than that working from home right now. I have n't been able to find another job which will pay enough to cover our bills. My husband 's income covers most of our bills, including mortgage, insurance, food, and student loans. Combined, we pay almost {$1000.00} in student loans alone which is half of our monthly income and more than 3 times our mortgage payment. The fact that this company is not willing to help us out or otherwise work with us in any way really puts a strain on our finances. I 've tried complaining to the XXXX, and even sent a message to the White House ( thinking that attention needed to be brought to this company for someone to listen ) and no one seems to care.
Product: Credit card or prepaid card

I transferred XXXX XXXX Amex rewards points ( XXXX and XXXX ) to XXXX XXXX XXXX account last XX/XX/XXXX. I got a confirmation message and it was deducted from my account. I waited until XX/XX/2022 but it still hasn't post to the XXXX XXXX account. I reached out to Amex to check on it and they opened a case. It's been XXXX now but still no resolution. 
I keep on calling to follow up but Amex just keep on saying that the case is still in process.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These hard inquiries are unauthorized! I never gave consent to any of these. 
XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

I have a Checking account with Juno ( https : //juno.finance ). In the past days, Juno 's banking services, including ACH transfers, wire transfers, and card transactions, have been disrupted. Cash services are unavailable. Juno states that this is due to issues with Juno 's banking service provider. Juno also states that the disruptions are due to issues with their banking services provider, XXXX XXXX XXXX XXXX And that, Juno is not responsible for the disruptions. They have been closely collaborating with XXXX XXXX XXXX XXXXXXXX and their brokerage partner, XXXX XXXX XXXXXXXX, to resume normal service operations. But it's already been over a week that my checking account is basically frozen.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the following account : Account Details : Account Name : XXXX  XXXX Account Number : XXXX High Balance : XXXX XXXX {$660.00}, Experian : {$660.00}, XXXX XXXX {$500.00} Date of Last Verified : XXXX : XX/XX/XXXX Date of Last Activity : XXXX : XX/XX/XXXX, Experian : XX/XX/XXXX Date Reported : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX Date Opened : XXXX XXXX XX/XX/XXXX, Experian/XXXX  : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Status : Current Two-Year Payment History : Late payments noted for XXXX  ( 30 days late ) and XXXX ( 60 days late ) for XXXX  Despite multiple requests for correction through disputes filed on XX/XX/XXXX and XX/XX/XXXX, the inaccurate information has not been corrected. This failure violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of the information in consumer files. The presence of late payment notations that are demonstrably inaccurate violates this mandate. Additionally, creditors are obligated to send accurate information to the credit bureaus as outlined in 15 U.S. Code 1681s-2.

TILA Violations As per 15 U.S. Code 1666b, periodic statements must be provided at least 21 days before the payment due date. The inaccurate late payment reporting suggests that the creditor may have failed to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the need for creditors to send timely and accurate statements to prevent unfair penalties to consumers, which has not been adhered to in this case.

The continuous failure to address these inaccuracies has caused significant harm to my creditworthiness, affecting my ability to secure credit and financial opportunities.

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report.

Written confirmation of the correction within 15 business days.

If this issue is not resolved promptly, I will escalate my complaint to include legal action and additional complaints with other relevant regulatory agencies.

Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called XXXX XXXX XXXX XXXXat XXXX XXXX time. I  called inquiring how to get my report. I spoke with a man who took all my private data and stated that I could order a full copy of my report. I gave my date of birth, drivers license, address and all. The man put me on hold and NEVER RETURNED! As you you see from the uploaded screen shot I was on the line with them for 43 minutes and NO reponse. There is nothing that should have taken that long to NOT RESPOND to  mail me my report. I claim that they are stalling and refusing to follow through with my request to know what they are reporting on me. I feel they are refusing to provide me with my rightful access to the items they are buying and selling about me and to make sure they are accurate. They violated my rights big time by not providing the report in writing as I requested. Their rep said they could go item by item on the report. I opted to actually see it so I know what I am disputing and yet NOTHING!!!! They never returned. It shouldnt take more than a few moments to upload a report and IF there were system issues the CSR should have been back on the phone telling me or responding to me asking if someone is still there .... I got nothing at all!!! NOTHING!
Product: Credit reporting or other personal consumer reports

I checked my XXXX XXXX account and it notifies me of any recent inquiries on me and my account. Says there was a new inquiry from " XXXX XXXX  '' on XX/XX/year> to XXXX. Additional information given was : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' So I googled XXXX XXXX and I found it refers to the Indigo Platinum Mastercard, issued by XXXX Bank. I have never dealt with them so technically this is an unauthorized credit check/report which may have taken some points off my credit. I would like to know more on this matter and to have it resolved effectively. Thanks
Product: Credit card

This issue has been going on for months now I try to use the card and every transaction gets declined. Ive tried using it at multiple locations makes no difference if Im at a gas station and grocery store or buying a movie ticket for the life of me I cant get the card to work I have called on multiplications you said that youve restarted the card reset the card you told me to wait XXXX hours other time you tell me to wait XXXX hours But nothing ever works. What does it take to get you to fix the card so I can use it like Im supposed to be able to? Im not at my credit limit Im not behind on anything never missed a payment I mean Im a good customer I do have a small balance but its very small, so why doesnt the card work?
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my emails ( XXXX and XXXX ) taken over. I can not verify for ssa, XXXX, irs, or irs. 
I can not get a credit report as every time I try, my email gets hacked into. I DO NOT LIVE IN XXXXXXXX XXXX WITH XXXX XXXX ANYMORE. I never lived at the address listed on XXXX XXXX. I visited there and was not allowed to access the mail. 
When I finally realized all of this was going on, I have been unable to move forward with life due to these discrepencies. I can not open a bank account, someone tried to file my taxe, I am owed thousands of dollars by the IRS. 
Noone can help me and I don know what ele to do. 
I lost XXXX  life insurance license, access to XXXX XXXX XXXX  domain from XXXX is inaccesible. 
I apparentlz had XXXX in XXXX name and various things were done in XXXX 
XXXX  XXXX, the database for the insurance producers has been modified. 
i had a new idenifiicaion here in XXXX but for some reason still register in XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I attempted to make a payment on my auto lease to Honda Financial who is my lender directly on their website using my bank information. I submitted my payment and received a message on the website that the payment would be processed in business days.

The payment was not processed so I then called Honda financial directly on XX/XX/XXXX to make a payment using my debit card. I was told a 30 day late remark would be added to my credit report, Mind you it was not my fault they did not process my payment submitted on XX/XX/XXXX. My payments are scheduled to be made every XXXX so on the XXXX I was still on 28 days past my due date and not yet 30 days late. I tried to fix the issue speaking to a representative but was told there is nothing they can do and they can not fix it. I tried speaking to a manager but they told me i don't need to. Id like to have the right thing done and have the late remark reversed due to it being unethical and a violation of my rights in accordance with the fair credit reporting act.
Product: Debt collection

I called this company and was told that the debt can be settled at 50 % i believe i dont own this amount is not correct
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX, CaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX these companies have violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an 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 1681 s-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 their information is inaccurate. 

Someone needs to hold them accountable for this the credit Bureau have no respect for the laws. 

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

I demand this account be deleted from my credit report, XXXX XXXX account is being reported with inaccurate information and after being disputed nothing has been done by the credit bureaus, leaving the innacurate information on my credit report is a direct violation of the FCRA, all information on my credit report must 100 % accurate and verifiable across all bureaus or be removed. 
XXXX ) inaccurate information being reported across Experian and XXXX is as follows a ) high credit limit - inaccurate b ) credit limit- inaccurate c ) date last reported - inaccurate d ) date last active-inaccurate XXXX ) date of the last payment-inaccurate f ) no notice of dispute on this account g ) payment status on XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX is being reported inaccurately which is a major violation of the FCRA and should be removed immediately.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed several inaccuracies. I sent a letter to TRANSUNION in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found inaccuracies on my report. 

XXXX BANK XXXX Account # - XXXX Date- - XX/XX/2020 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Checking or savings account

I had to dispute some charges with banks or had my data breached and my accounts which resulted in closer in banks now I can have a normal bank account anywhere. Its a struggle to daily life I cant pay for certain thing. Im trying to open account so please let me know what need to be done please and thank you.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$350.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$1100.00}
Product: Credit reporting or other personal consumer reports

on or around XXXX i mailed in certified letters to all XXXX credit bureaus to process dispute investigations for some inaccuracy on my credit reports which included my drivers license and utility verification documents. 
***These letters and documents that were previously sent will be attached which requested dispute investigations verification and method of verifications and Instead they mailed me stall letters back stating that they will not process my dispute requests or investigations and and it dont seem to be me. It seems I am working with a credit repair company. It has now been XXXX  days not XXXX  days.
Product: Debt collection

On XXXX18 between the hours of XXXX some guy called my work and said to me Don't hang up! i said don't called me at Work..he insisted talk and I told him I can't talk to you. He keep talking .... And told me that if I didn't pay the will she and garnished all of my belongings and that it was a crime. I told him I can't talk on the phone. I had customers waiting forms to help them, here I'm tell this guy from XXXX XXXX XXXX  to STOP. So he said is there another number i said you have it. Don't call this number. I told him that I couldn't afford to pay ...
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX 2017 a unauthorized hard inquiry was performed on my credit report by XXXX XXXX XXXX in XXXX NJ. When I noticed this report I spoke with with Transunion about this and they said I would have to speak with the people involved to remove it. After numerous attempts I finally spoke with XXXX XXXX XXXX and was told they would " get back to me '' they never did/ Transunion provided this info to what I believe to be a scam or fraudulent company. I have made repeated attempts to get this removed and have since froze my transunion account because of this. Transunion is not will to do  anything to help me in this matter. I had no reason to apply for any type of credit at this time and it worrries me that my info is so readily doled out