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

In accordance with the Fair Credit Reporting act. The 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 Account number : XXXX has violated my rights. Or list of inquiries 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 XXXX 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

Equifax, XXXX XXXX and XXXX are reporting my XXXX XXXX XXXX  mortgage to be current, but showing a negative amount. The mortgage was in forbearance during pandemic. The lender, XXXX XXXX XXXX offered to place the amount due at the end of the loan. This negative balance is negatively effecting my credit score, and preventing me from securing a new mortgage. I argue that XXXX  XXXX XXXX is in violation of the CARES Mortgage Forbearance Act while not not allow lenders to adversely report mortgages as negative while in forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Experian and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

I want the following accounts deleted from my credit report immediately due to violation of my privacy : XXXX XXXX XXXX XXXX, VT XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Account number 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX according to 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 XXXX 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 immediately
Product: Consumer Loan

I had a car loan with Santander USA for a whole year I paid them and nothing was apply to my account. This was over 3 thousand dollar, XX/XX/XXXX was suppose to be my last payment but they said I had to pay them for another year. Just this year I got another bank to refinance my car loan. But these people still took money I already had paid them. I had documentation to support this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed there are fraudulent and unauthorized inquiries on both my XXXX  report and XXXX  report. I am a victim of identity theft. The companies who fraudulently placed a hard inquiry on my report are XXXX XXXX XXXX XXXX, XXXX and Microbilt. 

These inquiries need to be removed or further action will be taken.
Product: Credit reporting or other personal consumer reports

I had disputed a credit account in XXXX regarding a credit card account. The dispute updated the information but the Credit reporting agency continued to report the inaccurate information. I had called them to get access to my online account which continues to be unsuccessful to once again dispute the information that they have verified and updated ( which they confirmed over the phone today XX/XX/XXXX by representative XXXX ). I told them I had already submitted a dispute and their company continued to furnish incorrect data after they did the original dispute in XXXX. They told me they would again try to dispute the information with the furnisher and I told them their company had already disputed this and continued to report inaccurately after the verification occurred and at this point I want the inaccurate information removed. I have bank statements that prove that the information was and is still being reported inaccurately.
Product: Credit reporting or other personal consumer reports

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

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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

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

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

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

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

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

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

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

In accordance with the Fair Credit Reporting Act XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$580.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$760.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$420.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$7000.00} ; XXXX XXXX  XXXX Balance : {$860.00} ; XXXX XXXX  XXXX Balance : {$810.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX C XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than XXXX business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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

This is XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some accounts from my credit report ; however, there are still accounts that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are fixed. 
XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

More than XXXX years after a trip to XXXX, I received a letter on XX/XX/year> from XXXX XXXX XXXX, a debt collector. Their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and phone number is XXXX. The letter stated that I had committed a traffic infraction in XXXX and that I owed XXXX XXXX, which as of today is {$690.00}. While in XXXX XXXX years ago, I was never stopped by the police, nor did I receive a traffic ticket. I have not received any proof of the alleged traffic violation, nor have I been given the opportunity to appeal or dispute the claim. I believe that this may be a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  for the amount of {$7100.00}. I have disputed this account with Experian, XXXX and XXXX. Once again XXXX XXXX XXXX has not responded to my debt validation and this would be a violation of the FDCPA, FCRA and XXXX
Product: Credit reporting

XXXX XXXX XXXX ( XXXX ) placed a collections account on my credit for an alleged debt of {$270.00}. I never received a debt validation letter from XXXX, and when I asked them they said they mailed me one in XXXX 2016 which is a flagrant lie in flagrant violation of the FDCPA. XXXX is illegally trying to " park '' an alleged debt on my credit report even though I do n't owe any alleged debt to XXXX. The tradeline for XXXX needs to be deleted because I do n't owe any alleged debt to them nor did I ever receive a debt validation letter. I am disputing the alleged debt because I do n't owe any alleged debt to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pennsylvania Higher Education Assistance Agency violated 15 usc 1681a ( 2 ) ( B ) and 15 U.S. Code 1681b ( a ) ( 2 ). Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction I am complaining about. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Pursuant to 15 USC 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. Wouldnt I be considered allegedly obligated to pay the debt listed below? I XXXX XXXX the consumer never gave Pennsylvania Higher Education Assistance Agency any written consent to report anything on my consumer report. No consent is Identity Theft.
Product: Debt collection

Medical Data Systems is attempting to collect a debt for XXXX Hospital in XXXX TN when Insurance has already paid over XXXX dollars for what? I was told by the XXXX tech  the XXXX XXXX  all three were unreadable because the machine malfunctioned and was told my XXXX wasn't XXXX but because when they tested it in the past it was XXXX  as well it was okay ... does that make sense? Sounds like a lazy Dr. To me. I later had to have XXXX  XXXX  replaced in my XXXX  they missed it. I was there for 3hours they charged XXXX this is Gross over charging. And further more they turned me over to the debt collectors without contacting me Absurd
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other 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 alleged fraud or extortion. 




XXXX XXXX  XXXX Balance {$13000.00} ; XXXX XXXX XXXX XXXX Balance {$19000.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have not been able to access my Experian credit scores for many months. I have tried multiple times over the past 6 months both by phone and online at different times, on different devices, etc with no success. When I call I can never get to a human to speak with and online I am told my identity can not be verified despite me going through all the steps to verify it. 
I need a HELOC or refi ASAP but lenders are unable to help me without having the Experian score. 
I have had no changes in any of my information for over XXXX years. 
I have no idea why this has happened. I have not had this problem with XXXX nor XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is my last warning! If this isn't removed from my XXXX credit report then I will sue your company! What your company is doing is illegal! First of all this is account don't belong to me! Second, It says it was opened XX/XX/year> and it says its been open for XXXX  years and XXXX  months, after XXXX  years you people are required by law to remove it from my credit report! Third of all it says its a open account with the remarks of charged off as bed debt and it also says profit and loss write off. How can a account be opened and charged off as bad debt and profit and loss write off all at the same time?! That is also illegal! Since it says profit and loss write off then I want my 1099C Form and I want this removed from my account immediately! If this is not removed from my credit report and if I don't receive my 1099C Form from your company then I will sue you people for everything you have!
Product: Checking or savings account

I contact bank of America about 5 times before i could have any access to the funds been deposited by the EDD department on a pre paid car or checking car they hold the fund for about 3 weeks with some type of unknown policies they also have a limit to withdrawal, a XXXX at the time and not more than {$3000.00} thousand in thin ( 7days ) in the branches they do not accept my California ESTATE DL SUCH A VALID IDENTIFICATION AND FINALLY THEY ARE NOT GIVING CREDIT FOR THE DEPOSIT MADE ON XX/XX/2021 AND XX/XX/2021 AT ALL AND ( CALL EDD BACK AND FOR FOR A LIST 2 WEEKS AND THEY STILL HIDING THIS DEPOSIT DO NOT SHOW ANY FUNDS AVAILABLE AT ALL ( THE EDD ALREADY DEPOSIST THIS FUNDS AND FOR SOME UNKNOWN REASON NO ONE IS AVALIABLE TO DISCUSS ANYTHING AT ALL on the phone they limit to respond call EDD we do not have access to your account and he have no deposit ( i call the EDD and they said we already make credit to your account check with the bank and still having the same response i need your help to ( i try to register my card on line and I am not allowed because my ss number is wrong I still wandering what can i do to recover my funds and have access with no hold and no limit at all. 

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

In accordance with the Fair Credit Reporting Act, these accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 Consent.
Product: Money transfer, virtual currency, or money service

This occured XX/XX/XXXX in the am and I paid {$780.00} to the scammer. A business I found on XXXX promised to provide services up to % 50 percent off the options they provided so I chose the XXXX order for % 50 off services. When I paid and provided proof to the company that the payment had gone through communication from the company stopped and services were not provided to me. After realizing that the payments were being declined I contacted the company for the services not provided and they would not allow a refund for services promised but not provided. I then contacted cash app and they refused to do a dispute and advised me to call which I called my bank to reverse/ dispute charge due services not provided but also bank declined dispute. So I am at a loss of my money and this scammer is just stealing people money for services promised and not provided. Cash app should do better since they allow this app for large money transfers but can assist with scamming.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed XXXX, Equifax, and XXXX letters providing accounts that was on my credit report due to identity theft. Per the FCRA section 605B I the consumer have the right to have all accounts and information blocked off of my credit report due to identity theft within Four business days. The 3 credit bureau did not remove any identity theft off of my credit reports. I submitted a Police report as well as a FCT report all which states the accounts in question. XXXX, Equifax and XXXX has not provided any evidence in regards to there investigations. I should not be subject to this treatment and inaccurate information on my credit reports when I was a victim of identity theft. My information was also I. The Equifax data breach. Ive provided all information needed to remove inaccurate information off of my credit report. If this problem persists I will have to take legal actions. 

Enclosed Attachments ; Proof of identity ( driver license, social security card also credit card statement for proof of current address. My drivers license also has my prior address on it. Ive provided 2yrs of addresses.
Product: Credit card or prepaid card

I made a promotional purchase with XXXX XXXX ( Comenity Bank ) and my account was set up for automatic payments to pay off the balance in full during the month the promotional rate was set to expire ( $ XXXX/payments per month up to and including XX/XX/2019 ).  However, the promotional rate expired on XX/XX/XXXX which was prior to the scheduled payment due date of XX/XX/XXXX and I was charged $ XXXXin deferred interest! It was not clear in the terms and conditions that when you're set up for automatic payments, and the automatic payment would cover your total balance due in the month the promotion expires that you would need to actually make 2 payments. One payment for any promotional balance and another payment to cover any non-promotional balance. Furthermore, why are banks like Comenity making the promotional expiration date different from the payment due date in the same month? This adds an unnecessary layer of confusion for customers and leads to many, many people getting hit unnecessarily with deferred interest which seems to be playing into Comenity 's favor. I called and asked for the deferred interest to be reversed and they refused even after explaining how having two different due dates in the same month is confusing ( I spoke with three different people ). I am a long time customer, with an excellent credit score ( 830+ ), who has spent tens of thousands of dollars with Comenity and I don't raise complaints lightly. I have to believe this is affecting a large population of consumers who get penalized for situations like what I described above.
Product: Debt collection

{$1000.00} Called and kept saying they would take legal action numerous times before even asking to set up payment arrangements. Was verbally abusive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase auto finance had a computer error, because i paid the build multiple time at the beginning of summer and the customer service people couldn't fix for serval weeks. so when they did fix it it was the follow month after my next due date. so i never had a chance to pay it because they did have the right amount to pay, they said i owed XXXX some dallors which was false and once they fix it than i owed XXXX, which would have been paid if i knew right amount. 

XXXX XXXX company XX/XX/XXXX inquiry,, never ask them to run my credit its fraud jpmcb bank on XX/XX/XXXX never ask them to run my credit that was fraud XXXX fraud never ask them to run my credit
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 XXXXXXXX, 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 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. 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

I consolidated my student loans years ago. These old Navient loans have been paid off for years and I have no new debt with them. They never used my forebearance or defferment time on their loans, even after I pleaded them to change those late payment statuses reported they would not. Now the loans are all paid in full, and they will not remove them from my credit reports ( XXXX, XXXX, XXXX  ). Thos late payments that are nearly 8-9 years old are causing tremendous harm to me in as I try and buy a home, and qualify for other loans. The reason for denial with new financial institutions is marked as " serious delinquency '' and it is all due to these old old Navient loans ... .That are paid!!!