23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a debt with XXXX XXXX, there financial partner was XXXX XXXX XX/XX/XXXX. It went into delinquent status. I called the collection agency who had my account, XXXX. XX/XX/XXXX we settle the account in question for {$1500.00}. I have a settlement letter from the company XXXX. Stating the payment was received and paid in full. 
Unknown to me my account was sold to XXXX XXXX and then sold to Resurgence capital. Now for the past 4 years this has ruined my credit. Not until I was trying to purchase a home and looking at a high interest rates did this come up.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is [ FTC Complaint Number ], filed on [ FTC Complaint Date ]. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of XXXX : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. 
XXXX XXXX Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA & # XXXX ; XXXX permissible purposes requirements
Product: Student loan

I had fallen behind on my loan and reached an agreement where I would pay them $ XXXX month for XXXX months and the payment would be directly withdrawn from my account each month. I checked out my credit report and I noticed that the payment deductions had stopped. When I contacted them they stated that I had no agreement with them and now my account is back in collection and messing up me getting employment
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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 XXXX  days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  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, credit repair services, or other personal consumer reports

Im having problem to get my Experian credit score, also Im victim identity theft and fraud. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX  XXXX Bankruptcy XX/XX/XXXX XXXX Court U.S. Bankruptcy Court XXXX  XXXX Bankruptcy XX/XX/XXXX XXXX Court US BKPT CT XXXX XXXX  Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

In XXXX of XXXX I tendered payment in full to Navy Federal Credit union for the full settlement of a consumer loan, in good faith, even though Navy Federal had and has violated numerous regulations and laws in regards to the rights of consumers as pursuant to federal law by way of XXXX XXXX  Title 41. Navy Federal sent me a statement in XXXX of XXXX showing a {$0.00} balance on said consumer loan. I allege that well over a year later Navy Federal committed theft, conspiracy, breach of peace by illegally contracting an unknown assailant and criminal to trespass upon me, my name and my property and illegal steal my vehicle. This assailant illegal came unto my property, an disturbed myself, my wife, and my XXXX XXXX XXXX and XXXX XXXX XXXX daughters and disrupted their lives by illegally " repossessing : '' my vehicle in which he has no right to. I reached out to the XXXX XXXX Police department and they informed me that they had no notice that any vehicle of mine was up for repossession. I allege that Navy Federal has broken the law. I intent to go public with this matter. I intend to immediately file a 3949 form, accompanied by a 211 form with the IRS calling for an immediate audit and investigation. I will also file a 1099C because I need to report this as income with the IRS as Navy Federal has defamed or plans to defame my character by threatening a " repo '' and " charge off '' on my consumer report and allege that I owe a large sum of FRN 's that Navy Federal previously notified me was settled. I intend to bring this matter to the attention of the FTC, FCC and the National Credit Union Administration. I also intend to file a lawsuit for defamation of character, pain and suffering, as well as emotional distress as my life, employment, my wife and kids lives have been greatly affected in the most negative way by this event.
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 Account Number:XXXXXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a 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

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX  XXXX XXXXBalance {$1800.00} XXXX XXXXBalance {$36000.00} XXXX XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit reports I determined that there are some accounts that are reporting that should not be reporting.. 
I am asking for a Notice to receive the three disclosure forms of the account agreements ..The accounts I am requesting the three disclosure forms are for XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX  account number XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX, XXXX account number XXXX. Please send over all disclosure forms when these accounts were opened.. The first disclosure form should state that my non public personal information may be sent to a third party, the next disclosure form should stating I have the right to opt out of having my non public personal information sent to a third party and lastly the disclosure form showing me exactly how I can exercise that right to opting out.. Pursuant to 15USC 6802 b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

If these specific documents are not provided according to the GRAMM LEACH BLILEY ACT 15 USC 6801 ( a ) Privacy obligation policy It is the policy of the Congress 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. My rights have been violated greatlyAnd the original contract I entered in with these companies Have been very much misleading and deceptive.. Moreover if you fail to honor my request and discriminate against me for exercising my rights that will be another clear violation of the Law 15 USC 1691 ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 3 ) because the applicant has in good faith exercised any right under this chapter. 
If fraudulent activity has taken place in the above mentioned accounts please discharge the accounts Thank You XXXX XXXX Also there are many inquiries that need to be removed from my credit reports because I did not give permission for these mentioned companies below permission to run my credit.. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these inquiries immediately Thank You XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX my daughter signed a lease agreement with the XXXX XXXX XXXX XXXXXXXX XXXX apartment complex in XXXX FL, I cosigned the agreement for her at that time, even though I realized that the contract was very uncomfortable. My daughter was supposed to move in on XX/XX/XXXX to start the school year at the XXXX university. Covid 19 hit the country by the end of XXXX and then on XXXX XXXX suspended the in person classes for the XXXX due to the Lock downs in the state. We tried to contact the complex by all means available but they did not respond until after the lease began on XX/XX/XXXX. By this time, they sent a letter saying that she was supposed to move in, we tried to negotiate the lease by giving them different options like to pay 3 months in advance and get rid of the contract, to be allowed to posponed the lease for XX/XX/XXXX and thus my daughter will live it for the agreed time, 1 year lease. We also offer them to allow us to pay up to 5 months by monthly payments to get rid of the contract, but none of these was good for the management. As a result, when the contract year ended on XX/XX/XXXX, they send the total debt to collection as expected. The company named PROCOLECT, INC contacted me to collect the debt on XX/XX/XXXX. I sent them a letter in which I requested time to get into an agreement and in less that 10 days they reflected the negative account on the credit bureau which I believe is a violation of the Fair credit reporting act and the consumer financial protection. 
I disputed the account with the XXXX bureau but they found the dispute valid.
Product: Mortgage

Ever since our mortgage was sold to phh mortgage services, we constantly are getting payments returned when paying via their app. They do not attempt to call until the last day before late fees are assessed, which gives 0 days to return the call once weve been notified that the payment has failed. The payment fails according the phh because the bank account can not be located but yet when we pay them over the phone with the exact same account and routing number, which they charge extra fees to do, our payment goes through without issue. This company is clearly baiting to pull more money from their customers through assessed fees due to issues with their own app.
Product: Checking or savings account

On XX/XX/23, I noticed 3 transactions ( all with the same merchant ) on my account that were unauthorized. I immediately reported the transactions to USAA and opened a dispute, and they issued temporary provisional credits while they investigated. On XX/XX/23, I was informed via email that they were denying my dispute and would be reversing the credits. Upon reading the documentation provided by the merchant, it became apparent that the evidence for the transactions being legitimate was severely lacking. 

The merchant 's documentation consisted of two things : 1. A printout of my account history with the merchant - The issue with this is that I had legitimately done business with the merchant in the past ( and never claimed otherwise ), my contention was that the last XXXX transactions with them were not authorized, but prior ones were. Simply showing that I had done business with the merchant in the past ( something I had never denied ) fails to show that the 3 transactions that were disputed were legitimate.

2. A printout of a background report that the merchant had obtained on me, including prior addresses and phone numbers - The merchant seemed to suggest that since they had my personal information, therefore, the XXXX disputed transactions were legitimate. However, as stated above, since I had previously done business with the merchant in the past, it is no surprise that they had my personal information, since I had given that to the merchant myself. 

I have made countless calls to USAA since XX/XX/23 in an attempt to understand why the dispute was denied and to resolve the issue. As has become typical USAA practice, I wasn't allowed to communicate with anyone who actually made a decision regarding the dispute. Instead, I was told that a " request '' could be opened to re-open the investigation. However, several days later and without warning, USAA locked me out of my bank account and changed my password and PIN. That was apparently their response to re-opening the investigation of the dispute ( and then subsequently denying the dispute again, without providing any information, and failing to answer any question raised for the reason of the denial in the first place ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that there has been fraudulent activity with my credit. I have been trying to contact Experian to report it. I call the number on the website but non of the menu options lead to a live person. 

I tried the online system but I keep getting caught in a loop where I am asked to input information to verify my identity only to have login information sent to an XXXX address that is not mine. I believe that they have an old or possible fraudulent email address on file. I need to get to a live agent.
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiry On my report And would like to remove If you can not provide such as Signature in Writing from stating that i Authorize these account And inquiry. According to the FCRA any inaccurate item On my credit report that is not XXXX percent verifiable Or accurate must be removed Immediately It is not metro 2 complain Or meet E Oscar Requirement please remove immediately
Product: Credit card

Received a XXXX " Cash App '' card in the mail, saying I needed to activate it using the Cash App app. Checked my email to double-check that I never requested such a card. Did a quick internet search and found it likely indicated identity theft and so I am now trying to report it as a fraud to the FTC and was redirected here.
Product: Checking or savings account

My wife and I use The VENMO app owned by Paypal Inc. XX/XX/XXXX my wife XXXX had her Venmo acct frozen. 
she called Venmo and they said problem with our XXXX XXXX Bank. She called them and they said it was a VENMO issue. She called Venmo back and they said it was an issue with my Venmo acct. My account was then Frozen and we both started communicating with what we thought was a VENMO Tech team. 

They told us that our IP address was on several servers around the world and before we could use VENMO again we had to get our IP address off these bad servers. In order to do this we needed to combine all our Money that was in our XXXX XXXX accounts into one account and wire it to a Bot to hold money safe temporarily while they got access and cleared the severs of our IP address. 

We also had to XXXX money to a made up person to gain some type of temporary access in order to do this work. 

We made two wire transfers and 3 XXXX transfers. The wire transfer were done on XX/XX/XXXX {$20000.00} and XX/XX/XXXX for {$21000.00} to bots as well as 3 XXXX transfers. The money was supposed to come back to us in 3 days. Before we agreed to transfer money I had them send me photo VENMO ID Badges and they gave me two VENMO receipts for the two wire transfers. There was no reason to think this was a scam because both our VENMO accounts were frozen and we had dialed the VENMO number and had receipts for the money. 

On XX/XX/XXXX the day after the 2nd wire I tried to contact VENMO through a chat and we were cut off, then the next day did a chat again and I sent them Screen shots of the Two IDs card, wire transfers and Bot addresses of sent money. I ask them for help and wanted to know if this was fraud. They still have not told us the answer. 

I started getting concerned and decided to contact VENMO in a chat and they said our case had been pushed to a higher level and that seemed reasonable to me. I sent about two dozen emails to VENMO pleading with them to tell us if these people worked for them. I did not get any answer but it would be 7 days to 21 days before they would respond to my plea for help. On XX/XX/XXXX we finally went to XXXX XXXX Bank and they told us this was not fraud to them and all they could do is a recall for the two wires. We still have not heard what has happened to the recall. 

We believe VENMO is responsible and are asking for them to return our life savings to us. We are both XXXX years old took reasonable steps to identify these people working for VENMO and when I sent screen shots and pleaded for help they ignored us. We also feel that XXXX XXXX has some responsibility to help us with the fraud.
Product: Credit reporting or other personal consumer reports

. I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I have reached out to the FTC and my local police. I need this items deleted from my credit report. XXXX, XXXX, XXXX XXXX, XXXX XXXX AUTO, XXXX   XXXX/XXXX XXXX, XXXX XXXX. lnquiries : XXXX XXXX, XXXX. Im doing this on my own behalf.
Product: Vehicle loan or lease

The last payment on my toyota vehicle loan was due XX/XX/2022. I had set up payments with XXXX XXXX XXXX to pay the loan on time every month. I never worried that the payments were late or unpaid because they were automatic. The payments were set up with my bank to go out on the XXXX of every month. I paid in good faith, monthly and assumed that all payments had been made in a timely manner. I was not aware that the last payment had been missed until it was too late. If I had been aware of the missed payment I would have, of course, paid it within the grace period as I had sufficient funds to pay. I was not making any attempt to avoid payment. However, Toyota 's attempts to contact me fell short of what I would have expected. I did not receive any written communication from Toyota. They told me they attempted to contact me by phone 3X. I will not answer my phone if I can not identify the phone number because of the large amount of spam calls I receive, and the first 2 callers did not leave a message ( thats their policy ). The third call made it through to me on XX/XX/2022, 4 days after the end of the grace period. When the agent informed me that the payment was late, I made the payment immediately. That was the last payment of the loan, and I was now PAID IN FULL. I had already been reported to the credit bureau before I even spoke with anyone from Toyota and Toyota did not inform me that I had been reported to same.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX I submitted correspondence to Barclays Bank Delaware because of suspected fraudulent activity by the bank. They have refused to address my concerns by remaining silent and have continued to seek payment and report missed payments on my credit reports hurting my scores. Attached you will find the letter I submitted to Barclays Bank Delaware on XXXX XXXX, XXXX.