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

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


Account Name : XXXX # XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXXXXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Money transfer, virtual currency, or money service

Well, Ive been having problems somebody hacking my Cash app account and they was taking money off of my account and when I tried to contact Cash app, they said I authorize it when I know I didnt authorize it and they wouldnt give my money back or do nothing at all matter fact, they even close my account so I have no cash app account at this moment.
Product: Student loan

Ive had a borrowers defense case open for 8 years. My case in turn has fallen under sweet verse XXXX lawusuit. Under the terms of the lawsuit XXXX entitled to receive all payments made during the course of the loan. The servicer has until XX/XX/year> to have the process completed under the terms. I have attempted to get information on my refund but my case has been open for a month with no update or resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

IMPORTANT : I have recently looked at my credit report & noticed that there's numerous fraudulent accounts. I have contacted EXPERIAN over 40 days ago. I also placed a police report and FTC affidavit all by XX/XX/2023. EXPERIAN have only responded back stating that they are only going to place a block on my credit report but they did not remove the fraudulent accounts. This have been a disregard of federal laws not responded of an investigation in 40 days. This have negatively impacted my credit and life. Please remove following accounts XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXXACCT # XXXX XXXX XXXX XXXXACCT # XXXX
Product: Mortgage

Please see all attachments -- uploaded. 

You have permission to speak with my XXXX XXXX XXXX mobile phone : XXXX
Product: Mortgage

we started a loan modification, signed the paperwork back in XX/XX/2022. The loan has still not been updated, going on 6 months now. The payments I have been making since XXXX have not been applied to my mortgage balance.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX 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 me 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. 


XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Account was hacked and they sent a paymnet via friends and family. 

XXXX XXXX Paypal email : XXXX XXXX
Product: Credit card or prepaid card

I have regularly made payments monthly, and well above the minimum due. In some instances I have also made more than one payment. However, Citi states that because of a " penalty '' they raised by interest rate from roughly 16 % to 30 %? Even after proving through my statement that I made a {$500.00} payment on XX/XX/XXXX ( due date XXXX ) this caused penalty which raised my rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. 

My information was used against my will. 

These fraudulent inquiries were UNauthorized. 

My identity was used illegally and these inquiries are fraud. 

Please block and remove these UNauthorized inquiries. 


Please Block and Remove these fraudulent inquiries XXXX XXXX XXXX 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

Carmax falsely reported 9 late payments on my account. 

XXXX lost my original contract I never signed a contract with carmax Carmax tried to get me to pay for my car note twice in one month which is ( {$1200.00} ) and is holding it over me I paid what I agreed which is one payment a month with XXXX which is ( {$630.00} ) a month which Ive done and are currently doing But they are making the other payment that was not in the contract, affect my credit and the loan amount with late fees over {$200.00} when originally my late fee is {$50.00} but since carmax took my contract without my consent they made it {$200.00} It is unfair and unjust since Ive never been late on an auto payment until this situation Ive reached out multiple times and never hear back from there office unless its to pressure me into paying the a extra additional unjust fee
Product: Debt collection

I am writing to formally dispute an account that has wrongfully appeared on my credit report. I have never taken on this debt, nor have I authorized it, yet I am now facing relentless collection efforts and legal threats. This is a direct violation of my rights and has caused me unnecessary stress and XXXX.
Product: Checking or savings account

I reported that my card was lost or stolen. Bank issued me a new card and provided refund of disputed charges. A few days later they reposted the charge in an amount of {$400.00} plus I paid over limit fees which were never refunded even though I never made those transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for service with XXXX XXXX. They asked for my social security number. I didn't want to provide it so I told them I was XXXX   and didn't have one.

Despite me not giving them my permission or my social security number they accessed my credit report.
Product: Mortgage

I received word that my mortgage would be transferred to SN Servicing Corp at then end of XXXX. Transfer date XX/XX/XXXX. Tried to call company repeatedly, and after going through phone tree, it says " party unavailable '' and " no messages. '' Emailed XX/XX/XXXX wanting some information on the mortgage. Finally I got an email XX/XX/XXXX saying " here is some info to get you started '' which was bizzarre. 

I was able to register on their website, but there are no any billing statements and no way to check when the due date is or that they have the amounts correct. When I try to input a payment, it's a blank screen and scarily, no payment amount. 

I've requested a billing statement in writing, but given they don't respond rapidly at all, I have no hope. I feel like they are waiting to screw something up and ding me.
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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I disputed a XXXX XXXX account that is still appearing on my Experian reports. The account is paid and closed and I would like to remove it because it is gendering me from getting my house. I call the bureau daily and they keep lying to me stating that it will be removed and have yet to do so. I have also sent in other letters as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my most recent credit report since my identity been compromised due to the lost/ theft of my id, I noticed a series of unknown inquires on my credit report, and I would like these inquiries removed immediately on the pure basis they are unknown and unauthorized by me. I understand the credit reporting agencies go to explanation that inquiries stay on your credit report for 2 yrs, I understand that, however that is not my argument. My argument is that I did not authorize these inquires by any means and again please remove the following inquiries. 

1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX XXXX 9 ) XXXX XXXX XXXX 10 ) XXXX XXXX XXXX XXXX 11 ) XXXX XXXX XXXX 12 ) XXXX XXXX XXXX 13 ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2020, I requested a voluntary surrender. The car was immobile due to a mishandled recall repair by the dealership. I advised XXXX that I was moving from the state after my XXXX  child was recently XXXX  I was unable to transport the immobile car with me. However, I offered to have it towed to XXXX. They declined my offer. They advised me to remove my belongings, leave the key, and they would pick it up from the dealership in a few days. I never heard from XXXX again after I initiated the voluntary surrender. They marked my account as XXXX XXXX then an Involuntary Repossession. The involuntary repossession has been reported for XXXX years and has caused me a severe financial hardship.
Product: Credit reporting or other personal consumer reports

I am writing this letter to address the delinquent accounts listed on my credit report. Recently, I received a copy of my credit report, which has prompted me to question why my information was shared without my consent.
Product: Vehicle loan or lease

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : XXXX Purchased vehicle XX/XX/XXXX -NAVY FEDERAL CREDIT UNION alleged to have given a " loan '' for the purchase of a XXXX XXXX XXXX XXXX XXXX. No " loan '' was provided to me only a " credit '' that originated from the submission of my credit score, application utilizing my social security number issued by the Social Security Administration and my Financials. " NFCU '' continues reporting negative late payments to the credit bureaus alleging an amount of " debt ''. 2. " NFCU '' has also " Breached any Contract '' by and between XXXX XXXX XXXX and " NFCU '' whereas the Promissory Note has a Mandatory " Arbitration '' Clause. Whereas the right to Arbitrate has not been waived and the matter is an arbitrable issue. " NFCU '' HAS reported DISCHARGING the " debt '' AS OF XX/XX/XXXX AND HAS FAILED TO PROVIDE A NOTICE OF CHARGE after multiple requests for documentation of this action. The actions described has caused damage to my reputation and credit worthiness resulting in adverse action resulting in denial of credit from other creditors, financial hardship, emotional stress, and loss of income from having to litigate and spend time defending these violations of the US Constitution. I have also submitted my Affidavit to " NFCU '' and a Notice of tendering final payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Litigation in process act immediately you are in violation. Ive been trying to solve this problem for some time with your agency and the cooperations and debt collector you allowed to put fraudulent and accurate items on my credit report without permissible purpose I am a victim of identity theft through the Equifax data breach I sent him proof with certified mail. XXXX XXXX XXXX Was open with my written content and its unauthorized use of my social This item should be deleted immediately while in litigation per FCRA guidelines.
Product: Debt collection

US DEPT OF EDUCATION is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4600.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2012 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Debt collection

I requested verification of debt and no information has been received. I need signed documents that I entered into contract with CACH LLC.
Product: Credit card or prepaid card

I was robbed at the beginning of XXXX and my card holder and phone was stolen. My Driver License was stolen along with my XXXX XXXX  card, my XXXX  card and my capital one venture card. I had to replace all of these things. XXXX XXXX and XXXX have already my the necessary adjustments and closed out the fraud claims. Capital one adjusted my account and then rebilled my account. When I called to get this clear I was transferred 5 times. I was connected to a supervisor who hung up on me. Then when I spoke to supervisor who couldnt provide a reason why the charges were added back and I asked for their supervisor they said nothing else could be done and they would say the same thing then I was disconnected. They also stated that when the claim was put it that it was not added that the card was stolen and not in my possession even though I informed them of this. This information was stated to be by two representatives. They messed up on their end and not wanting to own it and simply do the right thing and correct it. I informed then as soon as I noticed it and also I DID NOT HAVE THE CARD IN MY POSSESSION. I did not make any purchases nor did i authorize anyone to because I did not have the card or was aware of what was a happening. I went through a traumatic event and then to be treated this way when they were made aware is extremely stressful. The card was not in my possession. The fraud charges were XXXX for {$15000.00}, XXXX {$700.00}, correct {$1500.00} XXXX {$140.00}. I have never been to or shopped at any of these places. I dont purchase anything for {$15000.00} and I can produce bank statements to show that. I have never spent that with any purchase on the capital one account. Their security system/team failed and now they are trying to punish me. I pay my balance in full all the time since I have had this card. One payment was {$11000.00} and another {$2100.00} payment. These fraud charges need to be removed as Im protected by law because I did not make the charges and I have no idea at all who did. I was robbed and someone committed fraud with my account information and as a result my account was closed and trying to make me responsible is just negligent and completely vile.I am willing to reach out to media outlets or whatever is necessary. Any other business bureau as well.
Product: Debt collection

Debt validation was sent to Radius Global Solutions on XX/XX/year> with specific information requested per the Fair Debt Collection Practices act, 15 USC 1692G stating their claim is disputed and a validation is requested. They did not provided the requested information including the original contract with original signature did not provide they were authorized by the original creditor to collect a debt, did not provided if any insurance claim was found on the alleged debt and did not provide a detailed list of payment activity on the alleged account. Debt was illegally furnished as a collections to the credit reporting agencies in violations of the aforementioned act.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$530.00}, {$410.00}, {$630.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$530.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$410.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$630.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Violation of FCRA law in regards to Experian needing to remove an account that is the result of identity theft. 

A financial company called XXXX has an account with my name on it that is the result of identity theft. It needs to be removed from my credit report. Evidence that I have sent in : * multiple FTC identity theft reports from early XXXX to recently in XXXX * police report that I originally filed * call logs from early XXXX when I called to cancel * they also conveniently get disconnected every time I call into talk to them * emails from their customer support and legal team that the account was closed * multiple collection agencies that they try and send this too look at the evidence I send and remove their claim as they see it's clearly fraud, and not surprisingly XXXX never responds, and then sends it to some other collection agencies * they have tried to push blame on this to XXXX XXXX in Arkansas * the Arkansas banking department confirmed they aren't really involved * the California banking department forward the CFPB complaints too, again with no response, but claim they can't do anything because XXXX is under the Federal Reserve * the Federal Reserve said they violated laws and this was clearly fraud/theft * they have tried to change their name on my credit report ( attached ) - several times I had XXXX XXXX  as the reported account name instead of XXXX  - you can look at the past requests I sent in to Experian to remove that after I spent multiple tens of hours on their support line confirming the actual XXXX XXXX has none of my information * XXXX agrees this if fraud and don't trust XXXX so they quit accepting their submissions for my report * XXXX agrees this if fraud and don't trust XXXX so they quit accepting their submissions for my report * And the company they partnered with ( XXXX  ) for this card has filed bankruptcy ( XXXX  ) and a lot of the key dates related to that ( full timeline here ) are in the summer and fall of XXXX when the fraudulent charges kept showing up on the card that I asked to close in early XXXX. It seems the most likely answer is they lost a ton of money due to this deal and are trying to pass on losses/expenses to former card holders.
Product: Credit card or prepaid card

I have two American Express credit card accounts which ending number are XXXX and XXXX. 
I always pay both accounts on time in the statement balance full amounts to avoid any interest charges by one check with the note " This check is to pay two accounts '' along with 2 payment stubs. 
In this case, XXXX statements, the account # XXXX had the balance of {$99.00} and the account # XXXX had the balance of {$23.00} {$99.00} + {$23.00} = {$120.00} So, I arranged the payment check in the amount of {$120.00} along with the note " This check is to pay two accounts '' as usual. 
The issue started when their staff did not apply the {$23.00} payment to the account # XXXX. 
Even they have issued the {$23.00} refund back to me 4 months later, but they still wanted to rob me by first putting the {$100.00} interest charge onto the account in XXXX and then putting another {$300.00} in XXXX. 
That's mean {$100.00} + {$300.00} = {$400.00} interest charges out of the just as little statement balance as {$23.00} of which later has been proven that because it was their fault of applying the {$23.00} to the wrong account.
Product: Mortgage

this is a continuation of complaint XXXX banksaid that they had previously looked at the complaint andbasically refused to look at the facts again. they have notlooked at them the first time. this is not acceptable. 
they want me to go back to my credit union. the creditunion did not submit the check, Bank of America did ( note onsignature line says that check was verbally authorized bytheir depositer ). 
bank of america used a pre authorized checkBank of America submitted it overa, month after the loan had been paid off. 
the loan number is on the front of the check. 
the back of the check proves it has been cashed. 
b of a maintains they did not cash the checkthey are misrepresenting and denying what thefacts show happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sirs ; I was questioning a closed account reporting as a charge off. I pointed out a few of the mistakes in their reporting. By law if something is reported incorrectly that item should be removed from the report. Experian did not do that. Experian took the information I was pointing out and fixed the credit listing to reflect the correct information that I was questioning. I might not know all the rules of credit reporting but that looks illegal to me. I was under the thought that incorrect information lead to the removal from your report. XXXX used my own information against me and called it a update.