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

I reviewed my Consumer Reports and noticed that I had a few late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility by law, to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the the following accounts. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Please investigate and provide valid Proof with statements showing that these payments were late. If Valid and substantial proof can't be provided I demand these payments be updated to on time as they should be, as I was NEVER Late. Thanks for your prompt time. 

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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 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. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Vehicle loan or lease

Upon checking my consumer report, I have become aware that regional acceptance co including false and misleading information, this account does not meet the credit reporting Standards of reporting 100 % accurately. It is reporting income on my credit report. This has ruined my reputation, has caused embarrassment and humiliation and is damaging my entire life by Keeping me from getting new credit for personal, family and household purposes. I respectfully demand the Consumer Financial Protection Bureau to enforce the deletion of these accounts.
Product: Credit card

Dear American Express, I am writing to address the recent denial of credit that I experienced when applying for the Platinum Card with American Express. As a consumer and natural person, I am concerned about the adverse action taken, which appears to be in violation of the Equal Credit Opportunity Act ( ECOA ), codified in 15 U.S.C. 1691c. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by American Express due to the response I received.

Under the ECOA, creditors are prohibited from discriminating against applicants based on factors such as race, color, religion, national origin, sex, marital status, age, or because an applicant receives income from a public assistance program. Any adverse action taken against a consumer must be in compliance with these regulations. American Expressis in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued.

Additionally, I am aware of the responsibilities outlined in 15 U.S.C. 1642, U.S.C. 1681m, and 12 CFR 1002, which mandate that creditors act in good faith when processing credit applications. It is evident that despite my genuine application, credit was not issued as expected. 

Moreover, the unauthorized use of my social security number ( credit card ) without providing any benefit constitutes fraudulent activity. This is a serious matter that requires immediate attention and resolution from American Express. 

To resolve this matter amicably, I demand the following actions : 1.American Express must mail me the platinum card for which I applied to the address on this letter 2. The issued card must be placed in a " do not pay/do not collect '' status.

3. The credit card must be open-ended, allowing for unrestricted use once the issue is resolved. 

Furthermore, withholding my access to my securities constitutes securities fraud. As you have denied me access to my credit, I demand that you retract my application immediately. 

I urge American Express to undertake reasonable procedures to rectify this situation promptly and provide appropriate compensation for the unauthorized use of my credit card. 
Failure to address this matter satisfactorily will result in a federal lawsuit for securities fraud, including pursuing civil and criminal liability under applicable statutes, such as 15 U.S.C. 1681n and 15 U.S.C. 1681o. I reserve the right to seek all actual damages incurred as a result of this adverse action. I have also attached a copy of my credit denial as proof you have damaged me Please consider this letter as an initial attempt to resolve the issue amicably. I anticipate your prompt response to discuss a resolution to this matter. 

Thank you for your attention to this important matter. 

Sincerely, XXXX, XXXX XXXX Attorney-in-fact for XXXX XXXX XXXX Without Prejudice, All Natural Inalienable Rights
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported to Experian original in XX/XX/2023 as dispute and re reported to Experian XX/XX/2023 regarding XXXX  Continuous reporting inaccurate and incomplete account information and Experian did not investigated the errors i dispute in the previous reported disputes conplaint.. Didn't follow law and fix the reported error noted. Nor did they remove the errors previouly reported.. Experian continue alou XXXX to change verified Accurate previouly reported account detail information
Product: Debt collection

Self Financial/Lead Bank has violated the FCRA Regulation V/ FCRA Section 623 ( A ) ( 7 ). duty to provide the customer with written notification about the insertion of negative information after 30 days of its insertion. I have never received such notification from Self Financial/Lead Bank in the past or present, If Self Financial/Lead Bank feels that they have sent me the proper written notification within the legally allotted time frame according to federal law, I am requesting a copy of the certified return receipt bearing my name and signature. If Self Financial/Lead Bank can not produce the requested document mentioned on time, I am requesting immediate deletion, or I will not hesitate to start litigation to seek monetary damages for noncompliance and civil liability.
Product: Student loan

According to Fed loans, I do not qualify for forgiveness. They have said that I only have several payments towards the forgiveness and are not counting previous payments I have made though the years. My original loans were for approximately XXXX and I current owe XXXX! Although my salary may look high on paper, with inflation and the cost of my travel to work, including gas and tolls, I can not afford to pay the estimated XXXX. 
I am in debt and literally can not make ends meet and they have been raising the cost on everything and expect us to pay more!! I can not do it and it is not fair, I have been a XXXX XXXX XXXX XXXX teacher for XXXX years. We should be getting credit for that. Not to mention all the fraud I hear about from people who lie about being XXXX. I want to file a complain with the president but he is worried about things that have no importance. We are at the brink of war and student loan debt that will only get worse since so many can not pay it back when payments are reinstated. How do they expect us to live!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not providing my credit file and score to the companies that I have requested credit from. 

XX/XX/XXXX Capital One credit application. Capital One has been unable to approve my request because for over 2 weeks they havent been able to send my credit file and score to them. 

XX/XX/XXXX XXXX XXXX card denied a credit line increase because I have to few accounts per XXXX. I currently have over 91 approved credit cards in which 31 are active. I have a long history of  accounts and excellent credit. The information they are providing to creditors are inaccurate. 

XX/XX/XXXX XXXX XXXX XXXX denied a credit line increase due to XXXX unable to provide my credit score and credit report. 

XX/XX/XXXX, XXXX XXXX wasnt able to determine my credit application because they are unable to get my credit report from XXXX. 

I have excellent credit and the responses from Creditor grantors are that they are not providing accurate information to creditors so a fair decision can be acquired. I do have excellent credit without a blemish. If I am turned down for a credit card, I would be ok with that providing they have an accurate report.
Product: Student loan

was to have forbarance in 2016 till i got on my feet but before i knew what happened it was transfered and the reported negative on credit reports it over 14 yrs old and have not been notified to what office its in, to even have a chance to make payment to clear it up,
Product: Credit reporting, credit repair services, or other personal consumer reports

I urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay. I kindly request you to thoroughly investigate the situation and expedite the removal of these unauthorized accounts from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

Still working on this complaint is a lie lie lie lie lie lie lie lie lie and a stall tactic
Product: Bank account or service

On Friday evening, XXXX XXXX, after XXXX ET, I made XXXX transactions to my Chase Bank Checking Account, which put into overdraft. Today, Saturday, XXXX XXXX, I was preparing to restore the balance in my account, when I discovered that I have XXXX overdraft fees. I called the bank, and they informed me that they define the closing of a day as XXXX ET, rather than the closing of the branches. This is contrary to baking regulations, which according to those I read, define the business day for a bank as the time of closing of the branches, not XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accounts and inquiries reported on my consumer credit report, as referenced below. These entries are the result of a data breach or fraud, and any unauthorized inquiries or accounts must be thoroughly investigated. I hereby demand verifiable proof bearing my signature or electronic signature for these actions. 

Please note that this letter is being sent directly by me, not through a third party, so I request that you review it carefully. I never authorized the actions reflected in my credit report, and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 605B : Blocking information resulting from identity theft or fraud [ 15 U.S.C. 1681c-2 ], and Section 604 : Permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

After contacting the companies involved, I have confirmed that these actions were initiated without compliant validation or original proof. The accounts and inquiries in question are factually inaccurate, as I never authorized them. These entries are the result of a data breach or the illegal reporting of my consumer information by creditors or third-party data furnishers. 

I respectfully request that you take immediate action to investigate and remove these unauthorized entries from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Product: Mortgage

I filed for bankruptcy in XXXX of XXXX. I have a home equity line of credit with US Bank. I reaffirmed my mortgage in XX/XX/XXXX and the reaffirmation agreement was filed with the courts on XX/XX/XXXX. My monthly payment has continued to be automatically withdrawn from my checking account each month. However, my HELOC is no longer showing up online nor am I receiving any monthly statements for it. My bankruptcy has been discharged and I thought I would begin receiving statements again on my HELOC. I called US Bank on XX/XX/XXXX to find out when I would be able to see my HELOC online again and when I could get statements. They confirmed that the bankruptcy shows discharged but didn't know why the status wasn't updated. I was transferred to 5 different people who all told me different things. XXXX said she wasn't sure why the HELOC status was not updated and transferred me. XXXX told me that I would not get statements again on it and it wouldn't show up online. XXXX told me that didn't have my reaffirmation agreement on file and I needed to contact my lawyer to have that filed. The last person I talked to in the bankruptcy department said they would not send statements or show my HELOC online until 60 days after the bankruptcy termination date and that I would have to contact my lawyer for when that is. They said all they could give me was the current balance and tell me my payment history. They said that they don't show any payments since XX/XX/XXXX even though they have continued to take the payments out of my checking account each month. I'm concerned that I am not getting credited for the payments I've made, that my balance is not going down, and that I am accruing interest on a balances that I've already paid towards. I have no way to verify my HELOC balance, interest or payments and they refuse to help me.
Product: Debt collection

Received repeated calls from this company, at work, even after telling them XXXX times to stop calling me at work. When I called them back to tell them ( again ), the person told me I was going to be summoned to court for a payday loan debt, but could not tell me where the payday loan was borrowed. She merely stated that it came from XXXX XXXX, and Identified herself as from " NRS. '' I asked her to send debt verification to my address, and she said they would be sending me a court summons. Once again, I never verified anything but my name.
Product: Debt collection

In XX/XX/XXXX I had just got on my feet again, when I encountered an interest in a man unbeknownst to me was suffering from XXXX. Not only did he begin to rob me every payday but everytime I used my credit card to help myself. Eventually, In XX/XX/XXXX he was XXXX XXXX by my baby brother here in my yard. At the time I owed the XXXX but had no way to pay it after I lost my jobs, church affiliation and everything else it seemed. 
There was no victim assistance for the domestic violence I suffered and I have no way to pay this bill now. There is a judgement against in in this matter in the XXXX County Clerk 's office. As a tax preparer I know that the US allows for bad debt write offs, uncollectible debt tax credits and all other assistance. Please can you help me tell them.
Product: Debt collection

I received a letter from PennCredit that was paid through the original creditor so you should not be attempting to collect on a paid account. 

Paid directly through XXXX confirmation tracking number XXXX
Product: Student loan

Hello I signed up for a new program with Salllie Mae bc I couldnt afford the expensive monthly payments. They lowered it. Ive paid two out of the 3 months of the probation period. XXXX XXXX & XXXX XXXX They said my loan stays in delinquency until after the 3rd month. I didnt understand this meant they would keep reporting to it to my credit. So they have reported 6 individual loans 2 times to my credit worsening my credit score dramatically when I have paid these past 2 months. ( In the past they have refused to consolidate my loans. ) So I couldnt have prevented this hit to my credit. They said this is federal regulations. This is literally setting people up to fail. ALSO this whole time Sallie Mae is collecting crazy interested on my account because this program doesnt lower my interest rate until after the 3rd month. Basically making it so I dont make any dent in my loans during this two year lower monthly payment program. None of this repayment program is showing live on my Sallie Mae account. I have received one letter about my Payment plan. I only verbally agreed to this payment plan on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some information was erroneous. The TransUnion credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXXXXXX Balance Owed : {$240.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$35000.00} XXXX XXXX XXXX XXXX Balance Owed : {$59000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$12000.00} XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX  XXXX Balance Owed : {$9700.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$26000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ) .XXXX XXXX is depriving me of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization or consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting

Someone stole my personal information and identity and opened up unauthorized and fraudulent accounts in my name. I have received harassing and threatening telephone calls and death threats from various creditors representatives. The following accounts are unauthorized and fraudulent : XXXX, XXXX XXXX, XXXX XXXX XXXX. The following inquiries are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXXXXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft.