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

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

15 U.S.C 1681 section 602A 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 Date Opened : XX/XX/2014
Product: Credit reporting, credit repair services, or other personal consumer reports

A line of credit or credit card was opened in my name on XX/XX/22 at XXXX XXXX XXXX for {$10000.00}. My credit report shows a balance due and that payments were late. I DID NOT request, receive, or use this line of credit. This is fraud and done by someone I don't know. It has negatively impacted my credit and put me in debt for an amount I DID NOT request, receive, or use. I reported this to XXXX and XXXX on XX/XX/22 and called and emailed the XXXX XXXX XXXX the same day. I haven't gotten any response.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I noticed some unauthorized inaccurate discrepancies on my credit report. 15 U.S.C. 1692c ( c ) states if a consumer notifies a debt collection company that the consumer refuses to pay the debt collector the debt collection company must cease all communication. Law 15 U.S.C. 1692cc prohibits debt collectors from communicating with third parties in connection with the collection of any debt. A debtor may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known. This is a notification letter to the following debtor. No type of payment will be made on this unlawful debt. I request that the following debtor cease all communication. Account : ( XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX
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 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 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

Under the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 


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

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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 or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported 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.

EXPERIAN 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: Debt collection

Im not sure what kind of loans was taken out in my name but someone got whole of my information and use it to open account and get loans in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was removed from XXXX  and XXXX  but still remain on XXXX 
XXXX - the information is incorrect and inaccurate. 

XXXX was removed from XXXX  and XXXX  but still remain on XXXX 
XXXX  XXXX - the information is incorrect and inaccurate. 
Bridgecrest - have not done business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Before and during my marriage, I was added to my wife 's CHASE credit card as an authorized user. She has had the account in her name since XX/XX/XXXX while I was added on sometime between XX/XX/XXXX-XX/XX/XXXX. Since XX/XX/XXXX we have been divorced with no contact. I am unable to remove her delinquent accounts from my credit reports and am unable to find resolution through CHASE credit card company due to the fact I have no other information than our names.
Product: Mortgage

On XX/XX/XXXX, I applied for a loan with CitiFinancial. After a couple of months, I discovered that the loan was a mortgage securing loan, but my Uncle ( XXXX XXXX ) is also on the Deed, did not sign any application or paper work for the loan. The State of Maryland requires ALL persons on the deed, to sign any and all mortgage loans and paperwork. CitiFinancial placed an illegal Lien on my property, which cause tremendous stress and financial strain on the family, because we were unable to sell the property. On XX/XX/XXXX, CitiFinancial agreed to remove the Lien and forgive the balance after 12 painful years of pure suffering. After talking with several different Attorney 's in Maryland, I learned that I am entitled to compensation for violation of Maryland State Laws and Slander of Title. I am unable to go to court, because of my Military Obligations, and unaware if I should provide this information to the Department of Justice, Civil dispute department.
Product: Credit reporting or other personal consumer reports

I have not been able to access my credit report for over a XXXX  years with Equifax ; when I deal with prospective creditors they are unable to see my credit report to render a decision as it pertains to my credit report, when I login online to my Equifax account it gives me an error code saying BLNK and prompts me to call. I did that and spoke to several representatives that don't help me. I've been told that it would refresh, and that there is no resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently pulled my Experian and XXXX credit reports and noticed accounts that have been investigated and deleted by another credit bureau are still being reported by Experian. Attached to this letter is proof that these accounts were deleted. Please follow suit and delete the accounts for accurate reporting. They must be deleted in order to show my true credit history. 

The Fair Credit Reporting Act, 15 U.S.C. 1681, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. 

XXXX has removed all the accounts listed below XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX  Reference # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXXXXXX Account Number : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account Number : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX Inquired XXXX XX/XX/2023.
Product: Payday loan, title loan, or personal loan

I have been harrassed and called repeatedly by Allegiance Accounting Services. I have been advised that i owe a debt from XX/XX/2014. I have asked who is the debt through and was advised of online company.I personally have spoke with someone from this company 3x on separate occasions. I was advised they show no sign of a debt or even an account on file for me owing any money. I have explained this to them, however they become more and more determined, rude, and assure me I owe. Request I pay ( three different amounts owed have been quoted to me ) I need to pay or I'll be garnished.
Product: Vehicle loan or lease

On XXXX XXXX, 2023 I sent End Of Lease purchase paper work, odometer reading and payoff of {$28000.00} to Kia Financial and that was posted to my account on XXXX XXXX, 2023. After waiting 8 to 10 business days I called to see when I might receive my registration/title was told they were still processing. After several other calls I was told I still owed {$96.00}, no call, no text or email to me regarding this additional charge. I immediately paid by online check and it was posted to my account on XX/XX/XXXX. After waiting several days I again called to see when I might receive my title. After waiting on line and being sent to several departments they told me they didn't have my Odometer disclosure, which was originally sent on XX/XX/XXXX with the check for {$28000.00} by priority mail. I immediately did a document sign for the mileage on XX/XX/XXXX. In the mean time I am getting a late notice regarding my XXXX payment ( even though the car had been paid off XX/XX/XXXX ). I called again this morning and was told the odometer reading was pending and it would be 7 to 10 working days. I am a XXXX XXXX XXXX XXXX and truly feel I have been discriminated against by this company. I am XXXX XXXX  on XX/XX/XXXX and want to have the car registered to me before XXXX.
Product: Credit card or prepaid card

The usbankreliacard that my unemployment benefits are deposited to is constantly locking the account for random reasons. It declines automatically if the transaction is processed as a credit transaction and will lock your account after three declines. It will also randomly lock when you try to transfer the money to another account.

When this happens, it is almost impossible to reach a human in the customer service line. I have waited four hours before only to be hung up on. And when you can reach s person, they tell you theres nothing they can do, to submit your id to some department and it will take a few days to be unlocked. This is unacceptable when unemployment is the only money some of us are receiving currently. 
This nonsense now has me getting evicted because my landlord doesnt believe that my account has been locked this long.
Product: Credit reporting or other personal consumer reports

i recently review a copy of my credit report and notice i had fraudulent accounts. Please remove these accounts from my report. They are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my 3 credit reports I discovered the fallowing wrongs : a ) one mortgage loan ( with XXXX XXXX that was paid off in 2019 is missing from the reports. 
b ) on two of my reports I am shown an address where I never lived.

Suspiciously, this address is in my neighborhood, on the same street where I live, but at a different number. 
c ) the same wrong address shows up on my deceased spouse credit reports. 
As I am going though probate, and I am the personal representative appointed by court, I checked his reports and I discovered the same wrongs on his reports. 
d ) the mortgage loan from Wells Fargo, is reported bizarrely, on the credit reports. 
Must mention that I was stationed away from home due to military obligations and dealt with fraud and wrongs created by Wells Fargo, and not only, since 2019!
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I applied for a VA loan to finance the purchase of a new Manufactured Home. I called Veterans United in XXXX, MO XXXX XXXX and spoke to XXXX XXXX. We discussed the fact that this was a new home and I was having problems finding someone that could finance a " Builders Loan ''. As you know most lending institutions can refinance a manufactured home after it has been purchased but few can do the builders loan. Mr XXXX assured me he could do this and in the following days/weeks I sent " All of my wife 's and my personal information. It wasn't until after the collection of our personal information that XXXX called me and said that Veterans United was unable to continue as they also were not capable of this type of loan. 
I informed him of how unprofessional this was, and that he had collected our information probably unlawfully. Until today I have received only random advertisements from Veterans United. Today XXXX XX/XX/2019 we received NOTICE OF ACTIN TAKEN in the mail. This is unacceptable, somewhere our information is still being accessed. I feel XXXX XXXX and Veterans United should be held accountable for this.
Product: Checking or savings account

On Thursday XX/XX/XXXX I used be cell phone to deposit my XXXX XXXX XXXX employee check. Since i recently switch accounts, the XXXX XXXX XXXX issued me a paper check. I put it into my account early. Wells Fargo put an 11 day hold on it without legitimate explaination but there is suspicion activity on my account. They will not release my hold and i have absolutely no money. I get paid twice a month and I'm a single mom of XXXX kids. I can't afford for them to hold my check. They did not warn me that since my account was new, they would hold my check. I need a way to get my funds released immediately.
Product: Debt collection

Complaint Regarding Unrecognized Medical Debt Company Involved : Medical Data Systems IncXXXX ( MDS ) Attn : Dispute Department XXXX XXXX XXXX XXXX, FL XXXX Complaint Summary : Incident Description : On XX/XX/year>, a dispute letter was sent to Medical Data Systems Inc. regarding a medical debt I do not recognize. The letter was received by the company on XX/XX/year>. 

Debt Dispute : The amount claimed by Medical Data Systems Inc. is {$1100.00}. I have no record or knowledge of this debt. The dispute letter requested comprehensive validation, including proof of the debt and authorization to collect. 

Lack of Response : As of now, I have not received any response or documentation from Medical Data Systems Inc. regarding the requested validation. 

Impact : The debt remains on my credit report, causing financial and emotional stress.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNT ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT. THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.
Product: Student loan

In XXXX, I applied and was accepted for an XXXX plan through studentaid.gov. This was sent to Mohela to be implemented, and instead Mohela put me on the XXXX plan which would cost over {$400.00} more a month. 

I contacted Mohela and after extensive wait times was told that " somehow '' I was put on the wrong program and that the only solution was to reapply for the program, have my loan put on administrative forbearance, and wait for my application to be processed and my payment amount changed. 

Payments are due XX/XX/XXXX, and currently it's estimated that my application will be processed in XXXX. While the forbearance means that I will not be reported as delinquent, it also means I can not enroll in automatic payments to get a reduction in my interest rate. 

I find it ridiculous that Mohela, owned by a state government, can sue to block loan forgiveness and then fail to adequetly staff their company to process applications in a timely manner. My loans will now be earning additional interest despite me filling out applications in plenty of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to solve this matter with Experian but they have decided to be non-complaint in removing this account from my report and simply did not investigate and Updated it on XXXX after my dispute.. I contacted XXXX  XXXX XXXX who confirmed in writing to that the Account Number : XXXX is under a different identity NOT MINE. I also filed a report with the IdentityTheft.gov and submitted both the written confirmation and identity theft report to experian who have failed to comply with the FCRA and just say the updated the account with is falsified. This account does not need to be updated because its not legally under my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ; Accounts not showing that they are with a outside collection agency. False Reporting XXXX XXXX Acct. Is with =XXXX XXXX XXXX XXXX. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX
Product: Checking or savings account

Hello I had a massive fraud committed up to XXXX dollars taken from a joint account with my mother and I at Peoples United Bank. The fraud was committed at XXXX, XXXX and XXXX XXXX XXXX where transactions of XXXX dollars took place. As soon as we saw it we told the bank went to a local branch were they set up new accounts and told us a fraud claim had been placed and they said it would take 3 months to get my money back. So fast forward 3 months they told us we never did a claim and then they said my mother spent thousands of dollars herself at XXXX and got scammed without any proof and they won't refund my money. I sent emails and finally got a response from a regional head saying I never filed a claim and basically saying there not at fault and telling me to file another claim. I know my rights as a consumer and there in violation of Regulation E the bank did not provide me with provisional credit and did not do a complete investigation. The bank mishandled this whole fraud claim didn't even tell my mother or I to file a police report. Obviously someone made a mistake somewhere but instead of correcting it there trying to blame the people who put money in the banks assuming its going to be protected. By the time we filed a police report the detective said it was unsolvable because the bank and business the fraud took place deleted there surveillance tapes and commented banks will prolong fraud cases so they don't have to pay you back. I haven't heard anything from the bank since I filed another claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a living being, I have rights and Experian violated my rights numerous of time. I demand the accounts listed below be removed because : According to 15 USC 1681- I have the right the privacy and did not give Experian written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - # XXXXXXXX XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting correct but ORIGINAL CREDITOR : COMMUNITY LOAN SERVICING LLC XXXX is not reporting correctly. I was protected in a covid forbearance in XXXX making my 3 `` trail payments '' in XXXX XXXX with my modification starting XX/XX/XXXX. COMMUNITY LOAN SERVICING LLC is reporting 180 days late for XXXX XXXX and XXXX DATES=, XXXX XX/XX/XXXXXXXX XXXX  : XXXX - this loan was transferred to XXXX XXXXXX/XX/XXXX