23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Product: Vehicle loan or lease

I bought a vehicle from U.S Auto Sales. The dealership abruptly closed and transferred all loans to Westlake Portfolio Management ( collection agency ) instead of their auto loan department. My Car was wrongfully repossessed and I had to pay XXXX on XX/XX/year> to get my car back and my car was returned on XX/XX/year>. XXXX has added to my credit report the account was closed on XX/XX/year> due to a repossession. My car is still in my possession registered and insured. I have requested they send me my title since I do not have a contract with them and the dealership is closed. They are still trying to collect on this after they reported the account as closed with a balance over XXXX. I tried requesting a contract from them several times since the loan was transferred. I was told I do not have a contract with them. They are ruining my credit with their wrongful reporting.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history 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 to be updated. 


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. 


EQUIFAX 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! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Violation of Privacy Act of 1974 & of the Educational and Privacy Act of 1974. 

TransUnion : XXXX Balance {$1000.00} Balance updated XX/XX/XXXXXXXX XXXX Balance {$1000.00} Balance updated XX/XX/XXXX XXXX Balance {$2900.00} Balance updated XX/XX/XXXX XXXX  Balance {$3900.00} Balance updated XX/XX/XXXX XXXX Balance {$3500.00} Balance updated XX/XX/XXXX XXXX Balance {$6000.00} Balance updated XX/XX/XXXX XXXX Balance {$5500.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX Balance {$7000.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX Balance {$2400.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX Balance {$7000.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX Balance {$1300.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX Balance {$2800.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX Balance {$6700.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX  Balance {$2800.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX Balance {$2800.00} ( XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$6800.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX  XXXX {$3500.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$1000.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$5500.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$2400.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$6000.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$2800.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$2800.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$1300.00} Balance updated XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$7000.00} Balance updated XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$2800.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$1000.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$7100.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$3900.00} Balance updated XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. 
Can you reinvestigate the accounts listed below. 


Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX Date XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX XXXX Account XXXX Date XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

Account Name : XXXX XXXX Account XXXX Date XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX Account XXXX Date XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report.
Product: Credit card or prepaid card

Feels like a SCAM!!! 

When I got the zero interest promotion, Kept calling about the bill, I was advised that there would be a central billing account but I later learned that the central billing statement was not set up. While waiting for the central billing issue to be corrected they unbenounced to me changed my interest rate. Later I started getting bills but the payments ere 3x what I should be paying so i called and they reset my interest rate. I payed the payment posted after the interest rate was reset. Then I noticed that the Payments went back up.This occured at least three times. I called again and they told me that the rate would be reset but with this type of account the payments can't be late even if in dispute. I made the payment prior to the due date as directed and the interest is again high and Ithis time sends my balance over the limit on the card. i am now told that they can not reset the rate until the account is brought under the limit, I said the account would not be over the limit if the interest rate was not changed. they refused to reset the interest rate and or reverse the unethical charges, Everytime I call there is a different reason the interest rate was changed. I think thisis part of their scam and the 0 % interest rate was the lure. And they deliberately put obstacles in the way to create reasons to adjust the interest rate. 

These XXXX XXXX XXXX are predatory and deliberate in their processes to defraud their customers and the public.
Product: Mortgage

Loan # XXXX Cell # is XXXX Name : XXXX XXXX I am going through a difficult time where I have been out of work for over 3 months and expectthis to be like this for many months, if not years.Since XXXX of this year, but COVID-19 just made it even worse. My city is on stay at home orders indefinitely. 
I have contacted this bank in 3 different occasions. On the first time, someone ( with an attitude of course ) did the forbearanceplan. Then I called today and spoketo 2 different agents who are extremely cold, insensitive and extremely unhelpful. This goes very well with the complaints that many other customers have had on XXXX  and with the CFPB. 
See the problem is not the information, is their attitudes, they are obviously not responding to people 's concern, customer service is something that they do not understand. Regardless of what notes they wrote, they know very well how they behave. 

This bank 's complaints have a long history of negative reviews, litigations and complaints with XXXX  or CFPB. Given my case and how the agents act over the phone, it makes sense. They are rude and unhelpful and want us customers to vow to them.
Product: Debt collection

SouthWest Credit Systems based in Texas alleges that I owe them money based on the debt they bought from XXXX. I have never had a contract with XXXX, never signed any agreements with Southwest Credit Systems, and I don't know anything about this debt. I have repeatedly asked for any information about the original contract and nothing has been provided. I would like for this company to stop any collection activity and delete any negative information from my credit reports.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( 15 USC 1681 section 602 ( a ) ), it is stated that " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Experian, and XXXX are consumer reporting agencies, and I am the consumer. According to 15 USC 6801, " It is the policy of XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' The XXXX XXXX  qualifies as a financial institution under this title. 

15 USC 1681 section 604 ( a ) ( 2 ) states that " Any consumer reporting agency may furnish a consumer report only with the written instructions of the consumer to whom it relates. '' Neither the financial institution XXXX XXXX  nor the consumer reporting agencies XXXX, Experian, and XXXX have my consent to share this information, as I have not provided any written consent. All prior consent to XXXX, Experian, and XXXXwhether verbal, non-verbal, written, implied, or otherwiseis revoked. 

15 USC 6802 ( b ) ( c ) specifies that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' I was never informed of my right to exercise this nondisclosure option. 

Additionally, 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), no consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. '' The adverse item reported by the consumer reporting agencies without my permission is against the law. 

Under 15 USC 1681s-2 ( A ) ( 1 ) ( A ), " 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. '' Furthermore, 15 USC 1681e requires that " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c and to limit the furnishing of consumer reports to the purposes listed under section XXXX. '' XXXX, Experian, and XXXX are failing to maintain reasonable procedures. 

Finally, under 12 CFR 1016.7, " A consumer may exercise the right to opt out at any time. '' I am hereby opting out of your reporting services regarding the referenced account XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX which was opened in XX/XX/year>. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Under the doctrine of estoppel by silence, as referenced in XXXX XXXX XXXX, it is presumed that no evidence of the debt exists.I am writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, FCBA, FDCPA, and XXXX XXXX COMPLIANCE STANDARDS.
Product: Credit reporting or other personal consumer reports

I am really upset by how my last complaint has turned out and I wish there was a way to describe the immense stress I am getting from these accounts that have been reporting inaccurately on my file- but there is none. It's getting frustrating and I really need to get a new loan but this account is stopping me from doing so.
Product: Debt collection

Alleged debt was disputed several times .After 2 - 3 month Portfolio is listing this unverified debt back to 2 Credit Bureaus and refusing to verify the debt or provide me with correspondence related to their reporting activities. 
1692 e Any other false, deceptive, or misleading representation or means in connection with the debt collection 1692 e ( 2 ) Character, amount, or legal status of the alleged debt 1692 e ( 5 ) Threaten to take any action that can not legally be taken or that is not intended to be taken 1692 e ( 8 ) Threatens or communicates false credit information, including the failure to communicate that a debt is disputed 1692 f Any unfair or unconscionable means to collect or attempt to collect the alleged debt 1692 f ( 1 ) Attempt to collect any amount not authorized by the agreement creating the debt or permitted by law 1692 g Failure to send the consumer a 30-day validation notice within five days of the initial communication 1692 g ( B ) Collector must cease collection efforts until debt is validated
Product: Credit card or prepaid card

On or about XX/XX/XXXX I received a Costco account at Costco in my home town and they asked me to apply for a Costco credit account which would be beneficial for me to use with 1 %, 2 %, 3 % and 4 % cash back and points options. I did apply and was denied several times during the process. The sales rep at Costco had me retry several times and was stated I was denied citing XXXX report. My husband applied and was immediately granted a credit card through Citi- he has more credit card debt than I have and a lower score. I reviewed a letter I received from Citi stating Unable to approve my application because " My total credit obligations which include outstanding credit lines, are too high to meet their approval guidelines when compared to my stated income ''. THIS IS FALSE AND MALICIOUS AS WELL AS DISCRIMANTORY. I pulled up my XXXX report and my XXXX score was listed at XXXX -well above average of U.S. consumers and that I was an EXCEPTIONAL borrower. There was NOTHING negative, no missed payments, LOW REVOLVING CREDIT USAGE, Long credit history and recent credit usage - all listed under WHAT'S HELPING. Under What's hurting it stated YOU HAVE NO NEGATIVE FACTORS IMPACTING YOUR CREDIT. Once again, None, XXXX negative factors. I believe I have been discriminated against for age and gender and I'm not interested in a credit card with Citi but rather for them to release any and all information on my XXXX credit report and any other credit reporting agency, that shows it will be on my report until XXXX, XXXX. I also want Citi to be held liable for their discriminatory practices. I certainly would understand if there was a reason to deny me credit, which clearly XXXX states there was not. I'm a highly responsible tax paying consumer who has rights to defend myself against a malicious attack against my character. If they can just lie and deny, that should be against the law. Please forward to the Citi, et al., Office of the President, XXXX XXXX XXXX XXXX XXXX  SD XXXX. Thank you
Product: Debt collection

As per telephone advice provided today by XXXX of your Bureau I am attaching two PDF documents which are updates to complaint : XXXX You provided a very narrow definition for my complaint when it should have allowed : all that apply. 

The billing and collection practices by XXXX XXXX XXXX XXXX. XXXX XXXX as agent for XXXX XXXX Rewarded Account are beyond what is allowed by law. They skirt Federal Law by not sending anything about the collection dispute via the United States Postal System ( USPS ). 

They dun by numerous telephone calls, as many as three even four in one day. They stop short of the XXXX deadline. 

They are Robot calls. When on the rare occasion they leave a message on my answering machine it is confined to advising me to call a number regarding the status of my account. I can not at this moment remember if they ever mentioned XXXX XXXX as the account. 

My original complaint I believe mentions the numerous phone calls. XXXX advised me rightfully so that CFPB can not address this matter. What I would like is this government agency to work with the Do Not Call registry to tighten up investigation and prosecutions of offenders. I can supply that agency with many offenders. 

As to what I want is for your agency which has been spectacular in helping me to advise and ensure that XXXX wipe out all charges incurred on this account. 

Further, I want XXXX to notify the four Credit Reporting agencies to restore my credit rating to the high 800s. And for XXXX to prove to you that was done. 

Then I you want to ensure XXXX advised XXXX XXXX of the truth of this complaint. 

I had written to XXXX that there original claim of investigation was insufficient. This is even worse. 

Note : XXXX  acknowledges they have the power to erase the original charge of {$16.00} but conveniently admit they are not doing this by advising me the current balance is {$16.00}. The exact price of the shoes I bought. I will never use this XXXX XXXX card or any Store Credit Card. 


Close the account as long as it does not
Product: Debt collection

This was paid in full and is incorrect XX/XX/2018 XXXX XXXX  XXXX XXXX National Credit Systems {$2300.00} Accnt. # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, LOUISIANA CHILD SUPPORT, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, CREDIT COLLECTION SERVICES, 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. 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 THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN 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

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. 
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 inructions 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

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law.This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In the course of reviewing my credit report, I spotted erroneous and fraudulent accounts that need reporting and correction through your company.