23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was in a car accident on XXXX XXXX with a car owned by another. I was unaware that the car was un insured at that time. Quite some time passed by and I was contacted by a debt collector company called Afni inc on behalf of progressive auto insurance on XXXX XXXX. I told the representative XXXX XXXXXXXX XXXX XXXX that I can not pay this debt anytime and wont be able to anytime, soon as I am financially stressed and unable to afford anything. He thence became combative, and threatened the company can file to have my license taken away ( suspended ) if I didnt settle the matter, and start marking payments.
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 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 in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX 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 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

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX CT XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$2400.00} XXXX CARD XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX XXXX Balance Owed : {$360.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  FOR XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I have several times asked for some help on this matter. I have submitted a short sale to be review and the lender keep stating there was no access and is why the short sale was denied. However the short sale denial letter states you have 37 days to submit a higher offer or to rectify the issue and we did just that. We have attached a copy of the appraisal that was sent to use by PHH which is also them who advised us to submit our own appraisal. After their point of contact did not want to go into the property because of the poor condition of the home. We are trying to settle the estate Phh has made it very difficult even after their own employees were not getting back to us in a timely manner. They are just closing the files and kept giving us the same response over an over no matter how many times we tried to reason that it was out of our hands. We just want what is rightly so done to have this file review and looked at and management and supervisors did not care to listen to any of my calls and or explanations.
Product: Credit reporting, credit repair services, or other personal consumer reports

** ( UNFAIR CREDIT** ) REPORTING XXXX RECORDS MY BAD CREDIT. I call CONFLICT OF INTRESTS Income is derived from CREDITORS NOT CONSUMERS. ( Scores provided are Bias. ) Also XXXX   Data Breach Website says MY PERSONAL INFORMATION WAS IMPACTED. The website requires hand movements my XXXX XXXX are unable to do. I am XXXX years old. Grew up pay phones I AM UNABLE TO ACCESS THIS SITE DUE TO MY XXXX. XX/XX/XXXX I had fraud on two credit cards I HAVE NEVER RESOLVED!! I AM OUT {$8000.00} ON XXXX NOW. MY CREDIT DESTROYED. XXXX Data Breach Website says IT MAY BE XXXX FOR ANY CLAIMS PAID & {$120.00} .... SERIOUSLY?? My Private DATA is now on Dark Web for MORE FRAUD.. What Laws Protect the XXXX Elderly Targets? THIS IS NOT EVEN CLOSE TO FAIR!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to formally dispute the Accounts opened fraudulently and reported fraudulently the accuracy and legality of certain Accounts on my credit report. I am also exercising my right to opt out of your reporting services. The items in question are : 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 Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXXXXXX XXXX Legal Basis : According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, section 602 ( a ) states : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

As a consumer, I have the right to ensure that my private information is not shared without my consent, which is further supported by 15 U.S.C. 6801, which states : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

Furthermore, 15 U.S.C. 1681, section 604 ( a ) ( 2 ) states that consumer reporting agencies may only furnish a consumer report with the written instructions of the consumer. I have not provided my written consent for the furnishing of this information, and any implied or verbal consent is hereby revoked.

Specific Accounts in Dispute : The listed items are being reported without my permission, which is against the law under 15 U.S.C. 1681c ( a ) ( 5 ) and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). Additionally, these accounts are adverse items reported without my consent, violating my rights under the aforementioned statutes.

Conclusion : I am opting out of your reporting services as per 12 CFR 1016.7, which states that a consumer may exercise the right to opt out at any time. I expect their immediate removal and an updated credit report to be sent to me.
Product: Checking or savings account

XXXX XXXX  2024 was the day of shipping XX/XX/XXXX was the day of my first purchase of The first set of stoves XXXX stoves XX/XX/XXXX I purchased the second set of XXXX stoves they are still in processing and are supposed to be delivered XX/XX/XXXX to the XXXX which I doubt
Product: Debt collection

Advance America has been contacting me 3-4 times/week about somebody else 's debt. The calls are robo calls, following the prompts to have them quit calling apparently is not working as the call just hangs up. Most of the calls go to voicemail, and have about 15 of them for just XXXX. I've answered a few of them also hoping to speak to somebody but normally the call hangs up. 
The messages are the same : " This is a message for ( person ) if you are not ( person ) please hang up. There will now be a short pause in this message to allow you to take the system off speaker is necessary. This is advance america calling about your outstanding loan please call us back at XXXX or text us at XXXX to take advantage of an offer or to opt out of future offers ... '' Calls from them have come from : XXXX, XXXX, XXXX, XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

This is a general complaint. Due to the recent XXXX data breach I wanted to put a security freeze on my accounts with the credit bureaus. The fastest way is to do this online. However : when I went to set up an account with Experian, their Terms and Conditions state that we have to agree to allow them ( and third parties ) to send us marketing materials. 
This is entirely unfair. Credit reporting agencies already have huge power over us, and we are a captive audience. We are only contacting them because our sensitive information was leaked. They should not be allowed to prey on us just because we need to secure our information. When we set up an account, we should not have to open ourselves up to being spammed with unwanted solicitations, especially from unrelated third parties. 
So I ended up submitting my request by mail ( and even that information was not immediately obvious on their site ). 
I did not look up the Terms and Conditions on XXXX or XXXX, I just submitted them via US Mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have now disputed this Item twice and the bureaus have failed to respond. They have also failed to notate in the summary the account was disputed within 30 day time period this is a violation of 623. I sent letters out XX/XX/XXXX and XX/XX/XXXX. Date of last activity is being reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. High credit is being reported {$8800.00}, {$0.00}, {$8200.00}. Transunion, XXXX  and XXXX  have failed to respond.
Product: Student loan

Ive reached out to Navient the servicer of my student loan. Multiple times my accounts were switched to forbearance after calling navient why my accounts were being automatically switched without any notice. This has caused me to pay much more in interest to navient over the life of the loans. Navient has switched my accounts to forbearance multiple times without permission. When I try reaching out to Navient I have received multiple hang ups and the problem keeps occurring. 

XXXX XXXX
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 Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inaccurate items that is reporting on my credit file : Child Support is inaccurately reporting on my XXXX. This is not mine. 

XXXX XXXX is not my account and it is inaccurately reporting on my Transunion. 

XXXX XXXX XXXX is not my account and it is inaccurately reporting on my Transunion. 

Incorrect Addresses : XXXX XXXX and XXXX XXXX
Product: Vehicle loan or lease

I have a lease with the car company Fair. At two points, I made payments outside the regular automatic billing cycle due to financial hardship caused by Covid 19. Regardless, I have completely settled the debt and have been up to date on payments since XXXX. Unfortunately, their billing system is " being revamped '' and does not reflect all the payments I've made. I am getting harassing collection calls every day, multiple times a day. I have explained and provided proof of all my payments several times, spoken by email and by phone with several agents, and yet they still call saying I am delinquent on payments and threaten to repossess the vehicle. Furthermore, I've had several agents tell me " this happens all day, I'm sorry '' so I know I'm not the only customer experiencing this problem. Their social media is also lit up with comments fr clients that they have been waiting for their overpayment refunds for weeks and weeks with no answers. Fair is ripping people off and this should be thoroughly investigated.
Product: Mortgage

Cash out refinance requests through multiple lenders including : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX Rocket Mortgage All are not actively offering loans to credit worthy borrowers who own investment homes and are seeking to refinance using a cash out option as offered by the firms.
Product: Payday loan, title loan, or personal loan

i received a {$100.00} loan from this company. i owe this company less that {$30.00}. I lost everything in Hurricane Harvey and have been displaced for 2 months. I explained to the representatives at the loan company that i was displaced. I lost my home and cars in the hurricane and once I 'm stable i would contact them to pay off the small balance. This company continued to call me, particularly a staff named XXXX, every day. I kept saying the same thing. She has even gone as far to call my references. I contacted XXXX today, XXXX/XXXX/2017 and asked her again to please cease contacts to me. She stated " I did not contact you, i called your reference ''. This is flat out harassment! Especially after i specifically explained my situation and my intentions.
Product: Payday loan, title loan, or personal loan

The bank is not providing the minimum number of days grace period from date statement is received and from when it is due. 21 days is understood to be minimum. Average minimum Im given is 10 days. 

For XX/XX/2023 the bill is due XX/XX/XXXX. XXXX was received today XX/XX/XXXX. 

This is not legal and discover has been contacted and has done nothing to resolve this.
Product: Credit reporting or other personal consumer reports

Disputed an item on experian website in XXXX and XXXX. It still remains on my credit file as verified. I have no know knowledge of this account
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address the presence of unauthorized and unconnected credit inquiries on my credit report. These inquiries are not tied to any account or transaction I initiated or approved, and their continued presence is a violation of my rights under federal credit laws.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ), a credit inquiry can only be performed with the consumers consent or in connection with a legitimate credit transaction initiated by the consumer. These inquiries on my credit report lack any associated accounts or transactions, and I have not provided explicit authorization for them.

Additionally, under FCRA Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or unauthorized information on my credit report. I have taken steps to dispute these inquiries with the credit reporting agencies, but they have yet to be removed. The failure to act on my dispute constitutes a failure to comply with federal laws requiring accurate
reporting and prompt investigation.

Credit inquiries, even if unauthorized, can negatively affect my credit score and overall creditworthiness. The existence of these unconnected inquiries is causing unnecessary harm to my financial reputation and may impact my ability to secure favorable terms for future financial opportunities.

I request the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and ensure that the credit reporting agencies promptly : Remove all unauthorized and unconnected inquiries from my credit report. 
Implement stricter verification processes to prevent unauthorized inquiries from being reported in the future. 
Thank you for your attention to this matter. I look forward to a resolution that ensures compliance with the FCRA and protects my rights as a consumer. 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Union XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX XXXX XXXX + Automotive ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I received a letter dated XXXX/XXXX/16 from the Money Source ( attached ) saying XXXX key points : We have been attempting to reach you regarding the status of your load. We have been unsuccessful in contacting you using the phone number ( s ) and email address that was provided Please be advised that this is an attempt to collect a debt and any information obtained will be used for that purpose. 

I called them on XXXX/XXXX/16 at XXXX. 

I asked the agent why I received this. He said that they were reaching me to try to get my phone number added to my account I asked him if I was past due on any payments, and he said no I asked him what my phone number would be used for, and he said promotions I asked why the language was used, and the agent said it was required I asked why it said that they " have been trying to reach me unsuccessfully, '' when I have no record of such contact and he indicated that this letter means that they have been reaching me. I told him I disagreed with that use of verbs.
Product: Credit reporting or other personal consumer reports

The late payments listed are inconsistent with my typical payment history.
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}, {$250.00}, {$9000.00}.

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 ACCOUNT 1. XXXX XXXX  XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$250.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit and found many accounts that I know are a result of identity theft. I do not know if it is from a breach but I know that the accounts on there were obtained by someone other than me without my approval or consent. I do not even know what these accounts are even for. Please help me get to bottom of this and back to normal.
Product: Credit reporting or other personal consumer reports

There are unauthorized inquiries reporting to my consumer report and I demand removal of these unknown transactions for the following : XXXX XXXX Everything should be 100 % reported accurately on the consumer report, this is a form of identity theft unless a signature can be provided for authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Have violated my rights. 

15 U.S.C 1681 section 602 A. State I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) : Section States : No consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictins of crimes which antedates the report for more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating ot a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

The following accounts has caused me financial ruin. These accounts are an result of identity theft. 



XXXX XXXX {$1300.00} XXXX Bank Of America {$1500.00} XXXX XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXX  {$5500.00} XXXX XXXX XXXX   {$710.00} XXXX XXXX XXXX XXXX  {$330.00} XXXX XXXX XXXX XXXX   {$1400.00} XXXX