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

Hi, My complaints are I came to XXXX in XXXX to join my husband who is international expatriate. Due to XXXX it took almost 2 years to get my employment authorization card. So I was not working depending on my husband for the income. I had a part time job last year and this year I have a new one since XXXX. I tried to apply for credit card at XXXX XXXX XXXX XXXX XXXX and XXXX XXXX but they were rejected after they run my credit report though XXXX. My question is I have never had a credit card so it means I dont have a credit report. So why am I denied the opportunity of me having the credit card? They are saying they are not discriminatory but for me this is dIscrimination against foreigners and women who depend on their husbands. I am asking where do I supposed to get credit report since I am new in this country?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Sales Associate ran credit report with other lenders after I explicitly advised staff that I all already had a pre-qualification later and was pre-approved for auto loan financing through XXXX XXXX XXXX. I told the associate explicitly that I did not wish to have any hard inquiries on my report and that I only was seeking financing with XXXX   XXXX and that I only authorized my credit to be examined through XXXX   XXXX. I already had credit monitoring and an active credit card account with XXXX XXXX. XXXX XXXX XXXX appears to have ran my credit with the folllowing lenders, which are XXXX XXXX, XXXX, Global Lending and XXXX  XXXX all on XX/XX/XXXX. All of these hard inquiries will remain on my credit report until XX/XX/XXXX. I did not authorize for any of these companies to run my credit profile. I only wanted to determine an approval for auto financing ONLY through XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is my XXXX 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$750.00} XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$390.00} XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit inquiries on my credit report that I did not authorize or I did not apply for anything, I am a XXXX woman who have a live in nurse that have probably tried to get things in my name I dont think it is fair for them to remain on my credit file for something I did not apply for or authorized for my credit file to be reviewed
Product: Debt collection

I sent XXXX XXXX XXXX collection a dispute letter on XX/XX/2018 asking for validation of a debt they claim I owe. it's been 3 months I haven't received any response. I sent the letter via certified mail, I have tracking number that prove that the letter was received.
Product: Debt collection

My Credit report was marked for collections on XX/XX/XXXX ) for the amount which was already settled in year XXXX. 
I received a letter from collection agency stating i have 45 days to pay the pending charges the letter was produce on XXXX XX/XX/XXXX and the company reported the account for collections on XX/XX/XXXX. 
This is complete unfairness, Firstly, i did not received a advance letter that gives me heads up that my account will reported. 
Secondly, i was given 45days to pay and before the deadline was finish the account was reported for collections on my credit report. 

I fully understand that they companies wait till you apply for mortgage or some kind of loan and then they damaged the account. 

I have filed a dispute with XXXX  already and I need to know if you guys can help in this regards. Thanks You.
Product: Debt collection

the following action was taken to resolve a complaint of false use of information added to my credit report by National credit System in my XXXX and XXXX report they reported information on a outdated rental contract and in XXXX  its illegal after 3 years and they added a false amount then i reported it they changed the amount in stead of deleting it for false reporting then still added it back to my report with out properly notifying me and still this was false i never signed or received information from National Credit systems or XXXX XXXX apartments i want this false information and dates of me signing agreements with this company off all my credit reports this is illegal in all areas and i have never dealt with this misrepresentation on a company with false paperwork
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several packages certified mail with the following documentation requesting my credit reporting statutes be enforced. 

My credit report I received from your company. The fraudulent items are circled. 
A copy of my Police Report Identity and FTC Affidavit. Proof of my identity and utility bill.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within 4 business days Experian refused to block fraudulent items from my credit report. I also sent several emails to XXXX. Consumers credit reporting statutes must be enforced if sufficient information is provided. I have attached proof the items were delivered successfully and Experian just refuses to support my credit reporting statutes.
Product: Debt collection

Revco solutions sent me a letter attempting to collect an alleged debt violating numerous laws such as 15 usc 1692f, 15 usc 1692f ( 1 ), 15 usc 1692g ( a ) ( 4 ), 15 usc 1692j ( a, b ), I requested validation of this alleged debt and requested a cease and desist among other request to validate this alleged debt!
Product: Checking or savings account

I WAS INFORMED BY CHIME BANK THAT MY SAVINGS ACCOUNT WAS CLOSED XX/XX/year> DUE TO IT 'NOT BEING IN COMPLIANCE WITH THEIR POLICY ' THEY INFORMED ME THAT THE BALANCE OF OVER XXXX USD WOULD BE TRANSFERRED TO MY CHECKING ACCOUNT. 

SHORTLY AFTER ON THE SAME DAY XX/XX/year> I RECEIVED AN EMAIL INFORMING ME THAT MY CHECKING ACCOUNT WAS CLOSED BY THE COMPANY THEY INFORMED ME THAT MY BALANCED WOULD BE SHIPPED TO MY ADDRESS IN 30 DAYS. 

ITS BEEN 6 MONTHS AND I HAVE STILL NOT RECEIVED MY MONEY IVE CALLED MULTIPLE TIMES TO BE TOLD THAT THEY COULD NOT HELP ME. 

I WANT MY REMAINING MONEY
Product: Credit card or prepaid card

HSBC has been contacted several times about a jewelry scam from XXXX   XXXX for XXXX the jewelry is fake and was sold to us under false presence also a damaged fake item. I sent several emails to merchants and told him i was going to take to jeweler here and he was begging me not to which is very suspicious and made it seem clear his jewelry was fake. I asked for this to be taken off the charge as we tried reasonably and diligently to have this taken off, XXXX  XXXX  is not a reputable place to due business with and we have made several attempts with HSBC also.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Consumer 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 has violated my rights. 
15 USC 1681 section 602 A. States I have the right to privacy.

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

15 USC 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 record of conviction of crimes which antedates the report by more than seven years.

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

On XXXX, I received a call from XXXX XXXX claiming to work for XXXX XXXX XXXX  company. I have included their information below. The person calling said they were offering refinancing for my mortgage. I told the person I wasn't interested, but they said they could run a soft credit check on my score and that it would not be a hard inquiry. I never finished having the conversation with the person because I was interrupted, and I said I would call them back. I never authorized them to pull a credit report, soft or otherwise. After consideration, I decided I didn't want to continue the conversation and did not call them back or return their calls/emails. Today, XXXX I received a letter saying that my credit was pulled from Transunion, which I did not authorize. The person who called me is listed as follows : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I can't find the contact for Experian/credit bureau. 

On XX/XX/2019 I had disputed XXXX XXXX XXXX for {$1700.00} ( and {$700.00} still waiting ) that was incorrectly on my account for years bringing my score down. Through Experian, I disputed it and on XX/XX/XXXX the item was removed from my credit report. 
BUT the years of damage that the error caused on my score still remains. They had no right to put it on my account in the first place, and my score should have jumped at least 100 points to make up for the error that was put on my account.
Product: Credit reporting or other personal consumer reports

My account with 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 60 days 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.

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 8
Product: Student loan

Nelnet is my service provider and I've tried to speak/understand with them as to my diffuculty tring to repay my loans. I've applied for XXXX XXXX loan forgiveness and income-driven repayment. I'm now asking for loan forgiveness. My servicer provider keeps sending me payment due statements with no regards to my statements to them and/or my ability to repay the student loans. I've borrowed money from the Federal Student Aid program for both of these colleges. 
XXXX. School of the XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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

To Whom It May Concern, If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice before my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but very conditional, reporting privileges for any of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the FCBA, FCRA, and ECOA, as well as any applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so concerning a come il faut status. Incontestably, your compulsion should be that of certifiable conformity to the XXXX XXXX Data-filled Field Formatted Reporting Standards, per CDIA! I have recently obtained copies of my consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite XXXX notice to me as mandated by reporting regulations that you MUST comply with. 

Listed below are the Inquiries that are being challenged : XXXX - XXXX Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report. 

XXXX - XXXX Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report.
Product: Credit card

This is a rebuttal to the complaint I had filed ( XXXX ). For the first time I did get a call back from Barclaycard. Their response I felt was unacceptable. I am upset because the merchant had no time limits to use their service for the bids I purchased but Barclaycard said I enough time. How can they make that decision. They still did not offer arbitration or even consider All the items I did pay for with bids and ending purchase price that were never received. Services were not as expected. I do n't think they even tried to resolve this and just made a judgement call because they did not want to take the time.
Product: Debt collection

I am writing in reference to the debt I owe to you, amounting to [ {$2700.00} ], for [ credit card AMEX XXXX ending XXXX ]. I am issuing a Bill of Exchange as a negotiable instrument for the payment of this debt in accordance with the provisions of the Negotiable Instruments Act, 1881.
Product: Checking or savings account

On Saturday, XX/XX/XXXX, I called Ally Bank to update the XXXX phone number associated with my checking account. My new phone number is already associated with my Ally account, as I added it to the XXXX section on XX/XX/XXXX. However, updating the number in the XXXX section and the XXXX number are XXXX unrelated sections, as on XX/XX/XXXX I got an email from Ally that my old XXXX number was deactivated. 

When I called on XX/XX/XXXX, I was greeted and verified by the customer service representative, who put me on hold to investigate my issue. I was put on various lengthy holds and was simply given a case number after being told she could not verify my new number despite it being present on the account in my account profile. I then found around XXXX that night that she had locked my account, preventing me from using my debit card or accessing my online banking. 

I tried calling on both Sunday the XXXX and Monday the XXXX, but I could not reach anyone as this was a holiday weekend. When I finally reached someone on the XXXX, I was once again advised that I can not be verified via my phone number despite it being present in the system, and I was instead attempted to be verified with a quiz that was drawn from public record. This quiz involved questions pertaining to individuals who share my last name that I have no relation to or knowledge of. I was then advised that I failed the quiz and had to wait 1-4 business days to be contacted by a higher tier of the account specialist team, all while being cut off from access to my funds and online banking.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX XXXX XXXX XXXX  Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian XXXX a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was made on time. My records show that the payment was submitted in XXXX and XXXX, XXXX, well before the due date. I have attached bank statements and payment confirmation receipts as evidence of this timely payment. 
Additionally, I did not receive any prior notice or warning of a delinquency, further suggesting that there was an error in processing or crediting my payment. 
This inaccurate late payment entry has resulted in unjust negative consequences on my XXXX XXXX, affecting my ability to secure favorable credit terms. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my XXXX XXXX and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I, XXXX XXXX, am filing this complaint on my own without any external assistance. Enclosed are letters detailing the inaccuracies found in my credit report. The reports from Transunion, XXXX, and XXXX contain incorrect and inconsistent information with improper dates.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 

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 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 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

About 2 years ago someone compromise my ss # and did a lot of fraudulent activities in my name. I filed a police report and submitted to all 3 credit bureaus. Well it had happened again. I have 3 medical report a on my credit report all 3. I did my investigation and all 3 accounts were opened up in XXXX. I have lived in XXXX XXXX XXXX  since 2012. These are not my accounts. I have submitted my I.D.and ss # card to all 3 bureaus. There are credit inquiries that I have researched as well. These business are in different states car dealerships in XXXX XXXX. I live in XXXX. I am asking removal of all 3 debts and inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have check my credit. I notice Accounts that I did not Authorize, how this happen I cant understand how Can Companies Allow. What happen to Verifying and do diligence. however I did not give any consent to have these Accounts open theses Account are not Valid and I want them removed of my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent XXXX ( Original Creditor : XXXX XXXX   XXXX ) {$68.00} XXXX XXXX {$470.00}