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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 have a 30-day late payment status on my mortgage account listed on my credit report, called XXXX XXXX XXXX XXXX XXXX which date was opened on XX/XX/2018. I have disputed this account with Equifax and they have not removed/updated this account to reflect a " never late ' payment status from my credit report and Equifax and XXXX XXXX XXXX XXXX XXXX XXXX the fair credit reporting act by reporting inaccurate information on my credit report. Please remove this 30-Day Late Payment from my mortgage account immediately and if it is not removed, then I will be filing a lawsuit against Equifax and XXXX XXXX XXXX XXXX for not removing this inaccurate late payment status from my credit report. I have attached a copy of a letter which I received from the creditor, which I already reported to the credit bureaus already. In the letter they stated that this 30-Day Late Payment Indicator is an error on their end and for the credit bureau to update the record to show pays as agreed and a never late status. Therefore, I have attached it to this complaint.
Product: Debt collection

I have contacted this company several times in regards to this issue. They have not provided me what I needed. I asked portfolio recovery to send me a copy of my itemized bill showing all the charges to this account as well as the contract that states this was mine. This company provided me a bill 6 months after this account was supposedly delinquent. By not providing me an itemized list of charges and the contract you are preventing me from disputing all or part of this bill. I really wish this company would stop giving me the run around. I would like the last bill with all of the charges and the contract that proves this bill is mine. If you can not furnish this information please remove it. How do I know this is not a bill from another XXXX? This could easily be someone else bill as my name is very common.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently took a loo at my credit report and I noticed that there were some child support accounts on my credit report that aren't mine. Below are a list of XXXX XXXX accounts that i need removED ACCOUNTS : 1 ) XXXX XXXX XXXX  -AMOUNT {$3600.00} -DATE OPENED XXXX2017 -ACCOUNT # XXXX
Product: Credit reporting or other personal consumer reports

i belive i have been a victam of identify theft i dont no nothing about this account ... this been very hard on me knowing that this is hurting my credit alot i need this delete please XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX this account has been very hard on personal level, hurting my credit for something that I didnt do. I need this removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Someone stole my personal information and opened a fraudulent and unauthorized checking account wi th    XXXX   XXXX   XXXX    ,   XXXX   XXXX   XXXX  and  XXXX   XXXX . The checking accounts are listed on Chex Systems consumer report and are fraudulent, unauthorized, and do n't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of accounts Below has violated my federal protected consumer rights to privacy and confidentiality pursuant to the FCRA codified at 15 U.S.C 1681 b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) Account 's are : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX Date opened XX/XX/XXXX, XXXX XXXX : XXXX XXXX, XXXX, XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX : XXXX XXXX, XXXX, XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX, XXXX XXXX : XXXX. XXXX, XXXX, XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX I am willing to settle for {$1000.00} in civil liability damages I have suffered as a result of your violation persuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S C. 1681n ] , or Deletion. 
Should you refuse to settle or Delete within ten ( 10 ) calender days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Product: Credit reporting

I recently applied for a XXXX XXXX and received a denial letter and they used my credit report from Equifax. Reasons for denial, judgement, derogatory public record, no recent non mortgage balance information. All false information and none should appear on my credit report as I just received my current credit report from Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is reporting incorrect information which is stopping a borrower from proceeding with a refinance as well as a purchase. Bank of America is reporting an account as if it is deferment when a borrower had never requested the deferment and has made continuous payments on the debt in deferment. By doing so, this stops a Veteran from bettering their financial position and proceeding with a refinance as well as a purchase. 

Our third party credit service has made attempts to order a credit supplement to have Bank of America update the information but Bank of America refused to remove. The incorrect report of deferment on the consumer 's credit is not allowing a new lender the ability to close on the consumer 's new financing as a mortgage loan is not resalable under VA guidelines with an account in deferment.
Product: Debt collection

Midland Funding violated the FDCPA a several ways.. 
1 ) On XX/XX/2018, XX/XX/2018, XX/XX/2018 I contacted Midland about me disputing this account. Each time afterwards I received back to back calls from them. 30 minutes apart for 5 hrs. 
2 ) On XX/XX/2018 Mr XXXX from Midland yelled at me, threatened to sue me, told me I was a liar. 
3 ) On XX/XX/2018 Midland called and when my boyfriend answered they gave out personal information on the collection account. 
4 ) Midland will not provide verification of debt after it has been requested 5 times. But Midlands XXXX (? Think given flake name ) verified they had received the request from me.
Product: Payday loan

I applied for a short-term loan on XXXX/XXXX/16 and at the time of the loan I did not notice that the annual percentage rate is 607.3385 % and my total finance charge would equal {$3800.00}. My loan amount was only for a total of {$750.00}. I have had a total of XXXX payments of {$180.00} come out of my checking account. My payments are also made on a bi-weekly basis. I also found out that my {$750.00} loan will come out to be a total of {$4500.00}. After doing a bit of research, I found out that the annual percentage rate on this loan is much higher than the allowed annual percentage rate allowed to be charged to an individual. I was not aware of this until I began to do further research on this particular loan. I began to research this loan after I was attempting to get onto the Big Picture Loans website to see what I could do about making a late payment on my loan. My loan shows that it is through Big Picture Loan, LLC but is licensed through XXXX XXXX XXXX XXXX XXXX XXXX, an independent regulatory body of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and is operating pursuant to Tribal Law. I was not aware of the stipulations that are set forth for loan companies until now and I feel that this loan company has taken advantage of my needs by exposing me to an annual percentage rate that is astronomically over the allowed amount.
Product: Credit card or prepaid card

This company was engaged in predatory lending. I paid off this credit card then they hit me with numerous late fees without ever informing me of the continued charges even though the card was paid off. It's severely damaged my credit and has made it impossible to use any credit since.
Product: Credit reporting or other personal consumer reports

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must taken assure the information. 

The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. 

Please provide me with the following items : Pay off disclosure Interest Rate Disclosure Balance History Payment History Credit Insurance Please validate the following these accounts : XXXX XXXX with account number XXXX THIS CONTRACT IS CANCELED XXXX XXXX  with account number XXXX THIS CONTRACT IS CANCELED I respectfully ask for you guys to provide some kind of proof of these alleged items, specifically the contract, note, or other instrument bearing my signature. 

-If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and
Product: Student loan

I have been paying monthly on my Sallie Mae acount for awhile and they continue to call my cosigner, a XXXX XXXX XXXX woman, my grandmoher XXXX times daily starting at XXXX XXXX. I pay XXXX per month on the account. My grandmother is now having XXXX XXXX, possible XXXX or a XXXX XXXX. I have asked that they stop calling her and I have written to Sallie Mae and requested that they stop calling her.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following collection account listed on my XXXX XXXX and Trans Union credit report, is fraudulent and not my account : XXXX XXXX, a debt of {$5000.00} owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Minnesota. The debt is fraudulent, the result of identity theft and not my debt. The following credit inquiries listed on my XXXX XXXX  and Trans Union credit report is fraudulent and unauthorized : XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX. The credit inquiries are fraudulent and unauthorized.
Product: Bank account or service

I have XXXX promotional balances with Synchrony Financial XXXX of which is a 0 % interest that needs to be paid off by XX/XX/2017 in order to not incur interest. Every month I make a payment of {$200.00} for the account. The amount necessary to be paid for this 0 % balance not to incur interest is never applied correctly requiring me to call every month. The explanation I 've been given is this is how the system applies it and I need to call. I find this disturbing considering Synchrony set the terms and should be responsible to make sure it is applied correctly. I also have several other concerns about the website FAQ 's and security question answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEVER GAVE ANY CONSUMR REPORTING AGENCY OR ANYONE WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT OR USE MY CREDIT INFORMATION WHICH VIOLATES MY RIGHTS AS FEDERAL PROTECED CONSUMER. NO CONSENT IS IDENTITY THEFT UNDER, 15 U.S CODE 1681B. 

XXXX TRANSUNION XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are XXXX XXXXXXXX who refuse to properly verify an alleged debt, as I have repeatedly requested the original signed contract as proof that a debt is owed. Instead, they decided to file a lawsuit. And their repeated and dismissive response to get the CFPB to close complaints against them is false : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( KPD ) is in receipt of the complaint ( XXXX ) filed by XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX represents Capital One, N.A., successor by merger or interest to Capital One Bank ( USA ), N.A., in a collection lawsuit filed against XXXX XXXX in the XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX under Case Number XXXX. The lawsuit is ongoing and all outstanding issues are expected to be resolved through those proceedings. '' This issue is not expected to be resolved through court proceedings because they have asked the court to MOOT my motion to compel them to present the original contract agreement. In other words, they do not feel that they should present the original contract agreement to me or the courts although they are suing for an alleged contract. Make it make sense, please. I am demanding at this point that they explain why they will not properly verify the debt by presenting the original contract agreement, as they are in violation of the XXXX XXXX XXXX XXXX  and each violation is a cause for monetary relief.
Product: Debt collection

This is a judgment that I didnt even know about until it was on my credit reports. I have disputed the transaction with all 3 major credit bureaus and the have refused to remove the judgment from credit file. I also wrote the attorney and they never responded to my letter and have not removed the judgment from credit file
Product: Credit card or prepaid card

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX  and 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 reported in those account to be removed.

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. 


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
Product: Checking or savings account

The bank mailed me the debit card! The mailbox was tampered! I never got the debit card! Someone stole it from the mailbox and without my authorization and knowledge used it and took all my money! It is a fraud! Bank of America will not reimburse me!
Product: Debt collection

This company is trying to collect a debt that is not mine, they are also reporting this in my credit without been properly verified as require by the FCRA 15 USC 1681 they are require to have properly verified this debt before placing this item on my credit report and have a hard copy with the original application with my signature on it as well as name, number, address, position held by person contacted to verified this debt. I am a litigious consumer and intent to use my right to clear my good name and get monetary relief as law pro-bail {$1000.00} for any unverified item on a consumer credit report by FDCPA 15 USC 1692l.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute the following account : -XXXX XXXX # XXXX -XXXX XXXX # XXXX -XXXX # XXXX -CAPITAL ONE # XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX # XXXX -XXXX AUTO # XXXX ( XXXX ) -XXXX XXXX XXXX. # XXXX -XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Account XXXX XXXX XXXXXXXX Credit Acceptance - this account was pai d in full back in XXXX or XX/XX/2023 - XXXX is still not reflecting all three bureaus need to show I NO LONGER OWE ON THIS LOAN BECAUSE I TRADED MY CAR IN WITH XXXX - I PAID THE CAR IN FULL IT NEEDS TO BE REFLECTED WITH XXXX XXXX XXXX AND XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Acct # 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.

15 U.S.C. 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Transunion, I am writing to formally dispute inaccurate information on my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I recently obtained a copy of my credit report from your bureau, and I have identified the following errors that need to be investigated and corrected immediately. 

Disputed Items : Account Name & Number : XXXX XXXX XXXX. 
Amount : {$1400.00} Reason for Dispute : This account does not belong to me Requested Action : Please verify debt and submit supporting documents, or remove account from credit report Account Name & Number : XXXX XXXX XXXX. 
Amount : {$200.00} Reason for Dispute : This account does not belong to me Requested Action : Please verify debt and submit supporting documents, or remove account from credit report Account Name & Number : XXXX XXXX XXXX XXXX XXXX : {$270.00} Reason for Dispute : This account does not belong to me Requested Action : Please verify debt and submit supporting documents, or remove account from credit report. 

Account Name & Number : XXXX Amount : {$310.00} Reason for Dispute : This account does not belong to me Requested Action : Please verify debt and submit supporting documents, or remove account from credit report.

Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of this matter within 30 days. If the disputed information can not be verified, it must be deleted from my report as required by law. Additionally, I request that you provide me with a copy of the revised credit report reflecting the necessary corrections. 

Please review this evidence and take appropriate action. 

If you fail to comply with your obligations under the Fair Credit Reporting Act, I am prepared to escalate this matter, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action. 
I appreciate your prompt attention to this matter and expect a written response confirming the results of your investigation within the legally required timeframe. Please send all correspondence to my address listed above. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is settled but still after many months still in credit report
Product: Checking or savings account

Charged separately per overdraft even money was made available wouldnt reverse and now they dont charge them