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 Bankruptcy Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 CREDIT REPORTING AGENCY REFUSED TO REMOVE ALL NEGATIVE INFORMATION FROM MY CREDIT REPORT THE NEGATIVE ITEMS ARE XXXX XXXX   AND XXXX XXXX  CREDIT CARD ACCOUNTS AND XXXX XXXX XXXX XXXX ACCOUNT S AND ALL HARD CREDIT INQUIRIES. THIS IS AFFECTING ME. TO ACCESS MY CREDIT REPORT MY NAME IS XXXX XXXX MY SOCIAL SECURITY NUMBER IS XXXX DATE OF BIRTH XX/XX/XXXX
Product: Debt collection

Ive have called them several times to tell them to stop calling me but they just harass me over the phone with inappropriate comments ... .then after i hang up and threaten them with a harassing complaint they proceed to send me numerous emails ...
Product: Credit reporting or other personal consumer reports

This is my third correspondence and 2nd complaint sent against my Experian disputes. My last response from them was over XXXX day ago on XXXX XXXX XXXX  This was a request for a re-investigation after receiving my credit report and found many inaccurate information that did not have my consent. I never received a response and it is over 30 days of my dispute to Experian and my complaint to CFPB. 



Regards XXXX XXXX
Product: Debt collection

In XXXX I contacted XXXX XXXX, XXXX in regard to info that they had sent to me in response to my request for validation for the Capital One credit card account they say that I owe. I told them then that the account in question was not my account however instead of researching their records they continue to pursue me for an account that is not mine. Last Wednesday I reached out to the capital one CEO XXXX XXXX and sent them an email requesting that they research their records as well in regards to this account. Still I have not gotten one response from them. I tried to dispute this account again with the credit bureaus but they said that its already been disputed and they will not look at it again. Then today I received a letter from a company called XXXX XXXX XXXX indicating that their client XXXX XXXX XXXX authorized them to offer me a settlement on a debt that XXXX has not been able to validate nor have they provided any information that shows that this is my account even after repeated requests for that information. I am requesting assistance in this matter and am ready to file suit against this company for repeatedly putting incorrect information in my credit file even after I have asked them to validate the debt. I am seeking restitution for the issues and the many setbacks to me being able to purchase my home and be given other credit opportunities.
Product: Bank account or service

On Friday XXXX/XXXX/2015, my check account said that check # XXXX in the amount of {$50.00} was paid and that I had a balance of {$24.00}. Therefore I assumed that the check was paid as they listed it as being paid. Today XXXX/XXXX/2015 my account shows as being overdrawn. I was charged a fee of {$12.00} and had {$50.00} removed from my savings account. I have been with the bank U.S Bank for many years and my bank has never been misleading. I feel that I was misled.
Product: Consumer Loan

On XXXX XXXX 2016 National Auto Lenders repossessing a vehicle or fraudulent fraudulently I have recently found out through a copy of my title history report that they still own that vehicle they sent me a fraudulent deficiency balance notice saying that they sold that car so that 's how to prove that they never sold the vehicle and I want it removed from my credit report XXXX and XXXX has already removed it with information that I have sent only XXXX will not remove it with the information that I sent I am seeking you any type of monetary value that I can get from this fraudulent case but right now I just want them to remove it from my XXXX credit report I am uploading a copy of the title thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I assume due in part to the Covid-19 Epidemic, Citibank has closed my Citi " Thank you '' Master Card and Citi " Costco '' Visa credit card. They are not willing to assist with deferments and are also reporting the month of XX/XX/2020 as being late. 

I called on XX/XX/XXXX and was informed they would investigate. They sent a letter stating that simply they are not able to correct or open my credit card accounts after closing them. They said they would not offer me any assistance because the accounts were closed status. They would not open the accounts, and would not give me good reason, yet they also said I should request such matters through a credit reporting agency, as in XXXX. 

Today I check the status of my credit card on my CBR and called Citibank regarding my Card # XXXX. Citibank informed me that they were not willing to assist with reporting flags as related to the natural disaster as they were not the credit reporting bureau. It has been a circular push from Citibank to send me to the CBR and the CBR is saying they simply reflect what Citibank is  informing them. 

As the world continues to cope with the impacts of the COVID-19 crisis, government officials throughout the U.S. have taken important steps to curb the spread of the virus. At the same time, many businesses, financial institutions and government entities are stepping up to provide some relief to those who are worried about their financial security. However Citibank is not. 

Lenders that report data to credit bureaus as required by the Coronavirus Aid, Relief and Economic Security ( CARES ) Act will not cause consumer credit scores to go down. XXXX  supports the CARES Act and is urging all consumers who are in financial distress as a result of COVID-19 to contact their lenders and reach an accommodation. Citibank does not accommodate even during a global Pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Comenity Bank continues to display unethical practices. Attached I have two different credit reports. One from XXXX and one from XXXX. Both directly from each credit bureau and both show completely different information. On XXXX they are reporting the account as written off. I advised them I never received a Form 1099-C for the {$600.00} or more of a debt owed to them. Because they know I never received the 1099 from them they have attempted to update the file with sold to another company. I have kept a paper trail and I am more than willing to take this to court. 1099 C forms are supposed to be mailed by XX/XX/XXXX of the following year to recipients. It is now XX/XX/XXXX of the following year. The debt was closed in XXXX of XXXX and written off as a loss per my credit report. Which wasnt even updated until XXXX of XXXX. This could have caused a tax liability on my part. Also there are inconsistencies on reporting with each bureau. Either delete this from my credit or I plan on taking this to court!!! There have been several class action suits towards this company for their deceptive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and it shows XXXX XXXX charged off. I also show XXXX XXXX who the account was sold to as paid on my credit report so the same account is reporting on my credit report from XXXX XXXX. If they sold it to XXXX XXXX and it was paid why would they put it back on my credit report as charge off after the account was paid with XXXX? FCRA states that an account can not report on your credit report twice so I asked for it to be removed and they refused to do so.
Product: Payday loan, title loan, or personal loan

The company extended me a line of credit/ credit card ( with no card ). About a year later, they added a security verification. I had to upload my social security card and id. The problem is that the app will not accept the social security card or id. I have tried to contact the company who does the verifications and grain. They have no phone service, only email service and it takes them months to respond. So now, I can no longer log into the app to pay my bill or use the line of credit. This has caused unwanted interest to accrue and impacted my credit score since I can not pay my bill down. 

I filed a complaint with the XXXX XXXX XXXX. This prompted Grain to respond to my emails once and never again. If you go to the reviews of the app on the XXXX app store they are terrible. They also have the same complaints on social media. I can not log into the website to use the app or access my account.
Product: Checking or savings account

Hello my name XXXX XXXX Im owner of business in state oXXXX XXXX  My business name XXXX XXXX XXXX XXXX On XX/XX/XXXX I when to my bank and set down with my banker her name XXXX XXXX To file I dispute on a charges that I made on my account and supposed to be returned back to my account and after contacting the merchants about the refund back to my account, the merchant had informed me that they can not refund anything because they did not have any more information about the transaction, and all the information to follow a dispute with my bank and my bank will return it back to me on XX/XX/XXXX. Me and my banker will follow formal dispute and after that on XX/XX/XXXX, my account was charged another transaction from the same place that I did not make for a fraud charges for almost {$18000.00} and the charges of XX/XX/XXXX almost {$30000.00} And to my other bank account that I have with the same bank same merchant on XX/XX/XXXX, charge my account for almost another XXXX or {$10000.00} to the same card that I have for the other bank account on when XX/XX/XXXX, I contact the bank to check the status of the dispute. The bank has informed me that they have denied dispute and they did not wan na file it or send it. to the transaction, Amegy Bank XXXX XXXX felt to protect me as a consumer and fail to protect my money and I also almost lost around {$70000.00} of all these transaction my banker she have no information about it. She can not provide me any info why the dispute was denied from my bank. The merchant never received a dispute or never filed evidence to them, we have contact them again today and the merch and have them for me that I need to file a formal dispute with my bank. 

My bank name amegy Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My phone number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within XXXX days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$4500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22, I spoke with Experian to correct my personal information, I was told they could not update my information until I contacted several creditors to give my accurate address to them first.
Product: Debt collection

I spoke with an agent and I asked if I could get documentation to verify I owe a debt and he says no I would have to talk to my insurance since they made an initial payment. I told him the letter they sent said that I could dispute the debt and he says " you do n't know what dispute means '' I said he was being rude and unprofessional and I requested to speak to another agent or supervisor and he says " they do n't have time to talk to people like you ''. I said are you refusing to let me speak to a supervisor he says " yes, I am not going to bother them with your issues '' The agent refused to provide me with any information other than an amount owed and the name of medical facility, refused to allow me to speak to a supervisor, and talk to me in a demeaning way throughout the conversation.
Product: Mortgage

In XXXX XXXX, we contacted Quicken to find out the possibility of deferring one mortgage payment on our VA loan due to a hardship that we were encountering. We live in XXXX, TX and our air conditioning system stopped working and needed to be replaced. This was going to be a huge burden to our financial situation since my husband is currently unemployed/seeking employment, and we are already stretched beyond too thin. 
Quicken stated they did not defer payments and could not offer assistance. They gave us a list of agencies offered through the VA who might be able to assist, none of which we qualified for. We had also contacted the VA, since we have a VA loan, asking for advice and any assistance. They thought certainly this would be considered a hardship by Quicken and they would provide some type of assistance, e.g. a loan modification, but this was not the case. 
We tried in the months that followed to secure monies for our A/C system, with no success. When the heat started to be too much to bear, we had to make the choice to use our mortgage money to begin the process of replacing the unit. This would cause us to be more than 30 days late on the XXXX mortgage payment. Mind you, we did not miss a payment, we were just late for one month. 
We notified Quicken that this would be happening and again stated our hardship situation. We have since paid the following 4 months within 30 days of the due date and are back on track. 
The sad and shocking part is, Quicken decided to send notice to the credit bureaus that we were over 30 days late that one time. This has caused a black mark on our credit report in the midst of an already challenging financial situation. We did send a letter to Quicken in XXXX XXXX requesting a good will adjustment be made by them. We requested that they simply contact the credit agencies to remove that one black mark from our credit report of a late payment. They refused. I had researched the internet and found that the request of a good will adjustment was a common scenario with success by many companies who are actually trying to help their customers, even just one time. Not Quicken. 
In these days of hardship for so many families, why could they not be willing to do that one simple act of kindness for a customer and veteran who fought for the American dream and is trying hard now to secure it for his own family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to file a complaint against the Credit Bureaus for numerous FCRA violations on my credit report. First is for Chapter 13 Bankruptcy. For one, the information reporting is incorrect. The date file isn't consistent across the board and its showing the incorrect court name. If I am correct under FCRA everything reporting has to be 100 % accurate. I have sent over 6 rounds of letters and they have ignored my request which is a violation. Also, I reached out to the courthouse and they advised they DID NOT release my personal information out so they have lied about their method of verification. I am upset the credit Bureaus are falsely verifying and reporting this! Delete this from my credit report as once because I have the right to exercise rights as a consumer and challenge any negative item on my report,
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$9600.00} XX/XX/ 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

As a consumer in the American credit community, I feel singled out as a minority being abused by a national banking institution. The attached items showing Santander Consumer USA as a charge off is a deliberate attempt to make it impossible for me to obtain decent financing on anything in the near distant future. The loan in question can not be in a charge off status unless it is by mandate of Rule 5000 FDIC, that it has been in default for 180-days or more. This is the federal mandate, not mine. This loan was paid off by an insurance claim in XX/XX/XXXX,  along with a short fall payment from my personal checking account. Santander Consumer USA is maintaining a charge off with a balance even though the 180-day late timeline was never reached, and Santander Consumer USA never filed a default on record with any XXXX filing with the Securities & Exchange Commission. I am a member of the XXXX Community that came to America for a better chance at life. The rules should apply to Santander as much as they apply to me. There was never a charge off, and the loan is current. We would like to get this credit issue resolved so that we can trade in our vehicle and pay off Santander in full. In addition to this FDCPA claim. 
In addition, the vehicle loan was purchased by Santander Consumer USA from XXXX XXXX XXXX XXXX, but there is never a cut off date from the original lender on the assignment date or purchase of debt date. A recent Supreme Court case called XXXX XXXX XXXX   XXXX XXXX, XXXX may have ruled in favor of XXXX XXXX XXXX, XXXX as far as purchasing of debts bypassing FDCPA guidelines as a debt purchaser, XXXX   XXXX XXXX, XXXX had never given adequate notice that the debt was actually purchased from the original lender, and since that criteria was never established, the negative reporting against me was never legitimate. 
The payment history was cut off by at two years, whereas my payment history starting XX/XX/XXXX does not show late payments within the first two years of procurement. This was done to to re-age the payment history based upon the 7-year rule under FCRA. Across the board, both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX are in violation under FDCPA and FCRA. 

Now XXXX XXXX XXXX, XXXX has blemished my credit beyond the FDIC Rule 5000 sub-standard protocol. My position is solid for a federal lawsuit based upon a national bank violating my rights of proper disclosure and legal reporting requirements. 

The credit items must be deleted by both XXXX XXXX XXXX, XXXX and XXXX   XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union XXXX Upon doing a recent review of my credit report. Ive noticed that their are inaccuracies with the Department of Education. XXXX account number ( XXXX**** ) has Discrepancy in the High Balance, last Verified date, date open, date closed, creditor type, last payment, account type, payment frequency. Not to mention the inaccuracy of the payment history. 
Balance owed : If this account is a charge off/ collection how will it currently have a balance owed, past due amount ect. 
XXXX and XXXX are reporting different from what you are reporting. If this is the same account being reported by the same creditor, how are these numbers and other verbiage different? 

Because of this apparent neglect, and ensuring that everything on my account is accurate, consistent and up to date. Please delete this account immediately because of the negligence of the original creditor and in inaccurate information that is supplied. 

I have enclosed a screenshot for your viewing pleasure. Please see all of the highlighted sections that I have outlined for you. 

Thank You XXXX XXXX
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
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
Product: Vehicle loan or lease

On the date of XX/XX/2023 I got approved for a car loan. The car was XXXX but my finance charges are XXXX Under 15 U.S.C. 1605 I was never supposed to put a down payment it should have been a sum of all chargers. I received no insurance which under consumer law I was supposed to have that and there was no cash in hand Im goin threw a legal battle for worker comp and cant work so Im up for repo. But digging deep into the situation they broke laws and that should void the contract I will send letters upon my request to the Right to rescind 15 U.S.C. 1635 I will revolt my signature I wanted to put you on notice the company is XXXX XXXX