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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my ( CHANGE TO NAME OF BANK ACCOUNT ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "
Product: Student loan

I have student loans through Navient, I believe they are federal student loans although I am not positive. It is proving impossible to get any information from the company. When I first started working after college in XXXX / XXXX I reached out to Navient to discuss payment options. They put me in an income repayment plan that was described to me as having a low monthly payment made up of both principal and interest. At the end of each year I notice that my balance has not been reduced. Looking a the monthly payments they are almost exclusivity made up of interest payments, taking nothing off of the principal balance. Whenever I reach out to Navient for information on the plan or to discus the other payment options available to me I get bounced around from person to person. No one can provide me with a clear answer and no one can explain the principal to interest ratio of my payments. They are misleading and unhelpful, you can not even find an account statement online.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is strictly about the inaccuracy that is inequitably furnished by your organization on my Consumer report. I came to discover this inaccuracy reported as of XXXX. Due to the inaccuracy reported, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused my right to exercise credit/consumer law. 

No one consulted with me when it came to these contracts or credit reports reporting false/miscellaneous information that I didnt approve of..

Theres no proof that I owe anything, at all.

I was denied of 3 ( three ) credit cards plus a house, in which I have a whole family I take care of and support, that is my duty and responsibility in doing so. Being denied of my credit practices and consumer law is completely illegal and is interfering with my allowance of taking care of my loved ones.

Theres no such law that states anything that needs to be reported to a consumer reporting agency, therefore your organization is completely liable.

Pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies must exercise their grave duties and responsibilities with fairness, Impartiality, and a respect to/towards/for the consumers right to privacy.

Show me any of these to prove that the information on my credit report and what is I mistakenly owe is even accurate : -A contract -Full accounting, that is on ledger and off ledger -Hand written statement with 2 witnesses and notary Otherwise, I make the contracts, as Im the Original Creditor.
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. 

Account name : 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 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. 
Account Name : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX, and Equifax on XX/XX/2022. Its been well over 30 days, I still have received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 

This a violation of my rights. 

certified.
Product: Debt collection

ENHANCED RECOVERY # XXXX reported account on my credit report dont have any account with this company never made business and dont your customer person use my information open account with tmobile
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a letter in response to an ent credit card application. The letter stated that one of the three credit reporting bureaus had a freeze on my information that would have to be lifted for my application to be processed. I was able to reach XXXX and XXXX both of whom verified there was no freeze. Experian, however, makes it impossible to speak to a human and the only option on their automated line puts a freeze on your account. I tried for days, hours and hours at a time, calling every phone number I could find. I only was able to speak to a human once, who told me there was no freeze and hung up on me. In the meantime I had applied for a second credit card and a refinance loan. Both of those said specifically that there was a credit freeze only on my Experian information. My mortgage lender, XXXX at XXXX XXXX  tried to contact Experian on my behalf and was also unable to speak to a human. This issue stands to cost me thousands as the interest rates continue to rise. I also tried to resolve this issue on their website but got a message that my identity could not be verified and to call Experian. Once again I could not speak to a human and there was no option to handle this on the automated line.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 ( MONTHS REPORTING LATE ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX is continuing to report a debt as verified. This debt is an open fraud case with law enforcement and open case with XXXX  XXXX XXXX XXXX ( as regulatory agency for original creditor XXXX ). This has been deleted off of XXXX  and XXXX. XXXX keeps reporting information that is identity theft. 
Alleged debt is : eastern account systems. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Northwest XXXX Court XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to file a formal dispute regarding multiple creditors and the accounts associated with them. After careful review of my credit reports, I have identified several instances where I believe violations of consumer protection laws may have occurred. I am seeking your assistance in investigating these matters and ensuring that my rights as a consumer are upheld. 

The following violations have come to my attention : XXXX. XXXX XXXX  ( # XXXX ) : - Violation : Failure to provide accurate and verifiable information about the account. 

XXXX. XXXX XXXX ( # XXXX ) : - Violation : Alleged unfair practices in relation to account management. 

XXXX. XXXX ( # XXXX ) : - Violation : Insufficient or inaccurate information provided about the account. 

XXXX. XXXX XXXX XXXX ( # XX/XX/XXXX ), XXXX XXXX ( # XX/XX/XXXX ), XXXX XXXX  ( # XX/XX/XXXX ), and others : - Violation : Failure to properly disclose terms and conditions as per TILA ( Truth in Lending Act ). 

XXXX. Settlement Office ( # XX/XX/XXXX ) : - Violation : Lack of transparency in settlement procedures as per RESPA ( Real Estate Settlement Procedures Act ). 

XXXX. XXXX XXXX XXXX ( # XX/XX/XXXX ) : - Violation : Alleged unfair practices in account management. 

I have personally experienced the negative impact of these violations on my financial stability and overall well-being. [ Provide details about how these violations have affected you, such as increased interest rates, difficulties obtaining credit, emotional stress, etc. ] I respectfully request that you conduct a thorough investigation into each of these violations to ensure that the creditors involved are held accountable for any breaches of consumer protection laws. Furthermore, I request the removal of the unverified accounts associated with these creditors from my credit report. Doing so would not only rectify the inaccurate reporting but also contribute to restoring my financial standing. 

I greatly appreciate your attention to this matter and look forward to a prompt resolution that upholds the principles of consumer protection and fairness. 

Thank you for your assistance. 

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

On XX/XX/2021, I receive alert from of XXXX XXXX credit report XXXX, XXXX and Equifax about some of that company inquire my full credit report. 
I don't have idea about this company I never asking nothing, now the XXXX company 's refuse to be removed this inquire from credit report make a big problem for me XXXX  take like more the 2 years to remove from my credit report, damage my record. 
The company ask for my credit report was : XXXX XXXX XXXX. 
XXXX XXXX XXXX 
XXXX  XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This was not sent in error XXXX XXXX XXXX  consumer by law XXXX  XXXX XXXX XXXX XXXX XXXX  misused at XXXX I have some false at not 100 % accurate XXXX XXXX XXXX. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : This Account is inaccurate and I'm seeking litigation. Please delete at once.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XX/XX/3025 Halsted Financial Services XXXX XXXX XXXX XXXX, IL XXXX Subject : Debt Validation and Dispute of Debt Purchase Dear Halsted Financial, I am writing in response to your recent communication regarding the debt you claim to have purchased in my name. Under the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting validation of this debt, including proof of your legal right to collect it.

Specifically, I request the following : 1. Documentation proving that [ Original Creditors Name ] legally transferred or sold this debt to you.

2. A copy of the original contract or agreement that I allegedly signed, proving my obligation to this debt.

3. A detailed accounting of the alleged balance, including principal, interest, fees, and any other charges.

4. Proof that you are legally authorized to collect this debt in my state.

Until I receive the requested documentation verifying the legitimacy of this debt and your legal right to collect it, I dispute this debt in its entirety. Under federal law, you are required to cease all collection activities, including reporting to credit bureaus, until you provide the requested validation. 

If you fail to validate this debt, I will consider it invalid and request that you cease all further communication regarding this matter. Additionally, any attempt to continue collection efforts without proper validation may constitute a violation of the FDCPA and other applicable laws. 

Please respond to this request in writing within 30 days of receipt of this letter. 

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

I have file a dispute a couple of times about the same situation. XX/XX/XXXX and XXXX, XXXX. The investigation was not done properly. XXXX did not investigate my dispute properly
Product: Student loan

I struggled to make monthly payments on several student loans totaling just over 90,000 since I had left school before graduation I was unable to consolidate my loans. Some of which had interest rates over 10 %. After falling behind on my loans I recieved multiple daily harassing phone calls and letters. Several members of my extended family also received calls where reps claimed they had been listed as contacts on my loans ( they were not ) It was offered to put me on a payment plan. In return for 6 months of payments my account would be brought current. I set up an automatic deduction from my bank account and completed those 6 months of payments. At the end my account was not brought current. When I questioned this I was told the funds were not applied to one of my loans and therefore they were all ineligible to be brought current. This issue was never resolved and I defaulted on my loans after almost 40k of interest was added to them over 10 years.
Product: Money transfer, virtual currency, or money service

Scam which threaten my families life resulted in me sending cashiers check from a XXXX  account in amount of {$99000.00} to XXXX XXXX XXXX ON XX/XX/year>. On XX/XX/year>2024 at XXXX a Wells Fargo employee in California attempted to verify the check but could not so went ahead and released funds from the check. It is my belief that not all the money was released but in spite of multiple complaints to Wells employees by myself and XXXX XXXX, a XXXX, NC police officer working with an FBI joint task force we do not know if there were funds beyond the initial cashing. That could have been refunded to me XXXX, 2024 wells was notified by a phone call of the scam And request was made to put a hold on any remaining funds. 
XXXXXXXX XXXX,2024 report made in person to XXXX NC police department and IC3 referral was completed. My nephew and I visited Wells Fargo local branch to explain and request help in recovering any remaining funds. Was told there was nothing they could do but gave no info if any funds remained XXXX XXXX2024 my sister and I revisited Wells Fargo to inquire as another bank that had received two more of my checks indicated they had held funds from my other cashiers checks from the same scam and did refund those funds. Wells again said there was nothing they could do. 
I have filed written reports to Wells Fargo case # XXXX, office of comptroller of

Currency, and sent a copy to this bureau but not as a compliant, and to the federal reserve consumer help. Is it not policy that a bank can hold funds for up to seven days when check arrives. Why did a wells employee not do so when could not verify the check. Why is there were funds left did wells not place a hold when notified of the scam and request was made to hold the funds.
Product: Credit card

From XXXX XXXX, 2015 to XXXX XXXX, my group used XXXX rooms of a hotel in my name. 
On XXXX XXXX XXXX XXXX, I checked out. 
On XXXX XXXX, I checked through my credit card statement that on XXXX XXXX, the hotel charged {$200.00} over my credit card as a penalty. The reason was we XXXX in the no XXXX room. 
The hotel charged the penalty on XXXX XXXX, not XXXX, 1 day later we checked out. 
If the hotel claims that they checked the room on XXXX, at the day we checked out, this means the hotel kept my credit card information without my permission even after my check out. 
The hotel should have charged the penalty on the " XXXX '' not to violate the Laws of Payment Card Industry Data Security Standard. Therefore, I request the full refund of {$200.00} from the hotel.
Product: Debt collection

This debt is from Synerprise Consulting Services, the original creditor XXXX XXXX. I have no knowledge of owing this amount of money ( {$450.00} ). I was not made known of this debt, and in regards to XXXX XXXX, there should be no outside lab contacting me. I was made verbally known by my doctor 's office over a year ago ( I don't have specific dates because I'm just as in the dark about this! ), " Not to worry, our office manager went over your insurance and you won't owe anything out of pocket ''. So putting two and two together, I'm assuming this is where it is coming from. Either way, I had NO idea about this, or even if it's actually mine ( as I'm having to only assume ).
Product: Mortgage

I used to have XXXX as my mortgage. Then my account was sold to Carrington mortgage company XXXX this year. I used to have XXXX bank account from which XXXX drafted my mortgage payment every month. Carrington drafted the mortgage money in XXXX from the XXXX account. However, I close the XXXX account because I do not need another bank account. Then I sent the check to the Carrington in XXXX which was accepted. 
Next month, I send the check amount of {$1100.00} on XXXX/XXXX/15 which is returned. The reason was I closed the XXXX account. They demand to send certified check, which I did. They accepted this payment. 
I wanted Carrington to draft the morgage money from my bank account. They said " no '', with no particular reason to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my credit reports from XXXX, I found several inquiries not authorized by me. As such, I filed an FTC Identity Theft Report and want these inquiries promptly removed. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to call Experian and there is no way to speak with a human being, just an automated system that hangs up on you afterwards. This is unacceptable. I sent letters and and there no resolution to my issues. I am a victim of ID theft and there seems to be a bunch of credit inquiries that are unauthorized that appear on my file. They are having adverse effect on my credit, however Experian is stating they won't remove it and that I have to contact the inquirer, I spoke with those inquiries and they told me I need to start the dispute with Experian. 

XXXX XXXX date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX EXPERIAN XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX, XXXX. 
Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXXnquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX   XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX, XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Product: Debt collection

This debt was removed from my  XXXX  and  XXXX  Credit Report but still reporting to my  XXXX  report. They stated the debt was n't paid however it was paid and I received a letter stating once paid they will delete off all  XXXX  major bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting AcXXXX XXXX XXXX XXXX XXXX Account # 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.2 ) also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have mailed a dispute to Equifax, USPS Tracking : XXXX XXXX XXXX XXXX XXXX XXXX Delivered : XX/XX/2024 at XXXXXXXX XXXX. in XXXX, GA XXXX. I have attached mailing attachments below along with the actual letter mailed to XXXX, along with tracking and signature when it was delivered. I have been disputing account ( s ) with Equifax. The account below are reporting inaccurately according to the Metro 2 Compliance Standard. Compliant Reporting Is Not Optional, It Is A Mandated Requisite For Any Party Involved. 

XXXX XXXX XXXX XXXXXXXX In accordance with the FCRA 611 ( 15 U.S.C . 1681l ), I have above practiced justifiably my right to CONTEST the REPORTABILITY of any and all questionable conclusions that I have discovered on my personal credit report ( s ).
Product: Credit card

I recently enrolled in an identity protection service and on my credit report I found an old revolving account opened in 2004 which should be closed. It indicated the creditor is CBNA and their address is XXXX XXXX XXXX XXXX, SD XXXX. No phone number was available. An internet search lead me to believe that this is affiliated with XXXX XXXX, but none of the numbers I was able to find for them got me to anyone who could help me. I would like this account closed and reported as such to the credit bureaus. I tried to contact XXXX to dispute the account, but I was unable to get through their phone maze nor was I able to get anything done through their website.