23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

XXXX  OR LAKE LAND RECOVERYXXXX XXXX XXXX XXXX SCAMMERS THEY CALL CLAIMING I ALLEGEDLY DID A PAYDAY LOAN ON- LINE XXXX XXXX XXXX WITH A XXXX XXXX CHECKING ACCOUNT. XX/XX/2019. FIRST OFF I NEVER DID A PAY DAY LOAN. REQUESTED PROOF THEY DECLINE CALL FIRST CLAIMING MY DAUGHTER DID A PAY DAY LOAN CALL FROM DIFFERENT NUMBERS USING ROBO AND THREATENING LEGAL ACTION WITH COURTS, THIS COMPANY IS SCAMMING PEOPLE THE POLICE AND THE ATTORNEY GENERAL NEEDS TO BE CONTACTED IMMEDIATELY THEY NEED TO BE LOCKED UP FOR IDENTITY THEFT MISUSE OF PERSONAL DATA. THEY CALL FROM DIFFERENT SCAM NUMBERS LIKE XXXX MULTIPLE DIFFERENT FAKE NUMBERS XXXX XXXX XXXX FAKE FILE NUMBER XXXX THIS SCAM COMPANY NEED TO BE REPORTED TO FTC AND COMP CONTROL AND ALL MEDIA OUTLETS TO BEWARE OF THIS SCAMMERS
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 XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX # XXXX, Account name : XXXX XXXXXXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, 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 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 : 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.
Product: Checking or savings account

On XX/XX/XXXX my phone was snatched out of my hands in XXXX. I reported it to XXXX immediately and they assured me that the phone was wiped clean- that was not the case and the perpetrators got into my accounts- they wired a large sum of money out of my business checking account- when I reported it to CHASE and opened a claim they recalled the wire but after did nothing further to assist me. The loss of security and the lack of assistance has has left me feeling insecure about the safety of my money. I feel Chase is just washing their hands and not protecting me and my funds appropriately and i need to know what my rights are in this matter. They wrote me a letter telling me to deal with the beneficiary directly and that they closed the case. This is beyond ridiculous as that will be impossible for me to do since i have no knowledge of who the individual is, i do have some information on my phone of whom it can possibly be since they got into my XXXX account and ordered some items they put their name and address in my XXXX profile .I need to report this to the appropriate parties so that they get caught- please guide me on what i can do. I am highly upset. Also, what rights do i have if CHASE is an FDIC accredited BANK.
Product: Credit reporting or other personal consumer reports

I was recently reviewing my credit report and realized that there were a number of inaccuracies such as misspelled names and addresses at which I no longer live and therefore do not correspond to my current address. 

The inaccurate information is as follows NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX - Having this inaccurate data is affecting me personally because it is not allowing me to build credit and get credit.
Product: Credit reporting

I have reached the underwriting portion of obtaining a mortgage loan. My credit report was pulled from the XXXX credit bureaus. However, there is a discrepancy regarding my legal name with the credit bureaus. XXXX, XXXX lists my legal name correctly. Experian made my middle name into my last name and my last name into my middle name. My last name is just one letter. It 's an unusual last name. Experian refuses to change my name to reflect my legal name stating that their system can not accommodate one letter last names. Because of name discrepancy, the mortgage company has to disregard my Experian score and weigh heavily on my XXXX and XXXX. My XXXX score is currently XXXX. XXXX is XXXX and Experian is XXXX. I can not qualify for the loan program that I was trying to obtain. This is quite unfair. If both XXXX and XXXX can show my legal name correctly why ca n't Experian do the same. This is costing me extra money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Sunday XX/XX/XXXX, I emailed UAS Connect regarding a past due notice for {$120.00} charge to my account. My account was also set to charge an upcoming payment in XX/XX/XXXX. These charges and the past due notice I received were all in error as I am currently a XXXX XXXX and my loans are in deferral until I XXXX In that email, I stated " Please let me know if there's anything more I need to do to resolve these incorrect bills and please be sure to resolve any late notices my credit bureaus may have received. '' I included this statement because I have previous experience with UAS Connect taking over 5 months to correct my credit score, which jeopardized my ability to apply for student loans at that time. 

I received a response on Monday XX/XX/XXXX informing me that my graduate student status was verified and to " Kindly disregard the statement you received. '' On Thursday XX/XX/XXXX and Friday XX/XX/XXXX, I received notifications that my credit score had dropped over 60 points because of 3 missed payments during XXXX. I emailed UAS on both days and received a response stating " your credit reporting has been updated to deferred status or current. '' On XX/XX/XXXX, I emailed again with screenshots of the incorrect reporting. I received this response on XX/XX/XXXX : " Your negative remarks from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX has been forwarded to the Account Specialist to be corrected. You shouldnt have any past due remarks on your credit since those months were covered by the deferment. Rest assured that youll be notify once we receive an update about this issue. '' I did not receive a notification, so I called UAS twice on XX/XX/XXXX. Both times, the customer service representatives repeatedly assured me that the correct credit information would be reported XX/XX/XXXX. When I stated the information should have been correctly reported on XX/XX/XXXX and XX/XX/XXXX already, they hung up on me. My credit report remained in error so I emailed to inform UAS that they were in violation of my FCRA rights. I also notified them that I would be reporting them if they did not update my account. I received this response : " Our Account Specialist already verified with Credit bureau file that your account reflects no late reporting way back to XX/XX/XXXX and our next update to the agency is on XX/XX/XXXX. Please understand that we are also following our protocol. '' On XX/XX/XXXX, I sent screenshots of my credit reports. On XX/XX/XXXX, UAS responded : " We have sent a credit bureau dispute to the Account Specialist. It will undergo process and investigation. You will receive a feedback once we receive from them. '' I have not heard from them since. 

Today ( XX/XX/XXXX ) I checked my credit score and found that there have been no updates. I emailed today to inform UAS of the credit report and to notify them that I would be pursuing disputes.
Product: Credit reporting or other personal consumer reports

I have submitted a report to the XXXX regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. 
I have disputed these inquiries with Equifax, providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. 
Despite these actions and the clear provisions of the FCRA, Equifax has failed to remove the unauthorized credit inquiries from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. 

I am writing to request that Equifax takes immediate and corrective action to address this issue in compliancewiththeFCRA. Attached you will also find my XXXX as XXXX and my Proof of XXXX
Product: Student loan

Eight years ago, my career in XXXX XXXX ended abruptly on a Friday afternoon when my employer told me they would no longer need my services as an XXXX XXXX. With the XXXX XXXX crumbling, all doors were closed and there were no opportunities for me to continue in XXXX. At first I applied to any position where I could utilize my skills and licenses. By the end, I was applying to any job that would help keep my family afloat. I found myself over qualified and underemployed. Over the next two years I lost my house, a marriage, and my XXXX. What I thought would be a temporary situation has turned out to be a long-term struggle to reinvent myself. I always had a passion for XXXX and XXXX. When I started in XXXX XXXX with XXXX XXXX in XX/XX/XXXX, I only had XXXX credits from a local XXXX college. I realized quickly that if I expected to have any longevity in the field, I would need an education. The young man I was at the time walked into XXXX University and started asking questions. I walked out with a class schedule and a stack of books. The following two and a half years, including summers, required a lot of hard work and dedication to graduate with XXXX, XXXX XXXX XXXX, and a XXXX in XXXX. While I was employed, I consistently paid my student loans. After several years of underemployment and unemployment, I have not been able to meet my obligations. I filed for bankruptcy in XX/XX/XXXX and wiped out all of my debt except for my car loan and of course, my student loans. I have not held a job since the end of XX/XX/XXXX that required anything more than a high school education. I have tried countless times to get back into XXXX with no avail. My most recent position as a XXXX XXXX at XXXX warehouse gives me {$.XXXX} per hour for my education. At 20 hours a week, that is {$XXXX} per week, {$XXXX} per month, and it is a temporary position. With over {$40000.00} in loans, you can imagine my compensation falls far short of minimum required repayment. To add insult to injury, my loans have been in default and I am no longer eligible for any further funding to possibly continue my education and maybe make myself more marketable. Here is what I do not understand about student loans and their relation to bankruptcy. XXXX XXXX is a private corporation, not a government entity. Millions of Americans, small businesses, and corporations were allowed to release the pressure either through bail outs or bankruptcy, yet here I am with a debt I can not afford to repay on an investment that yields me almost no return. My bank made a bad investment in me and my house and wrote it off. XXXX XXXX has written off my debt and passed my loan off to a third party, yet here I am. At best this obligation is a tax on the poor. My mother and father could not afford to pay for my education. I am the first person in my family that has earned a degree. At worst this is an obligation that due to our shallow pockets and small voice, poor students are forced to pay back loans forever. The nation has mortgaged a portion of its future on the backs of its poor youth.
Product: Debt collection

I received a message on my work phone stating, " By law I do have to make you aware that once this claim is filed it will become public record both your name and your social are affiliated with this claim. You need to contact the filing party before I appear at either your home or your job with your legal documents. You do have the right to contact the filing party directly at XXXX. '' I contacted the number provided in the voice mail and learned ( 1 ) I was contacting KP Asset Consulting and ( 2 ) the caller who left the message had dialed an incorrect phone number. 

Nevertheless, I am reporting this because I believe it is unlawful for a debt collector ( 1 ) to threaten to show up at your place of work and ( 2 ) to threaten to publish your social security number. 

I informed the representative at KP Asset Consulting that the debt collection practices were unlawful, but she said it was not her company 's responsibility to ensure lawful practices.
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. 

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

I am filing this complaint against XXXX XXXX and the credit reporting agencies for continued violations related to the account XXXX - XXXX. I have been disputing the inaccurate and unverifiable information on this account for over XXXX months, yet the errors remain. This is a blatant violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Issues and Violations : Inconsistent Reporting Across Bureaus : The reported balance is {$10000.00} across all bureaus. 
However, the high balance is inconsistently reported : XXXX and XXXX report a high balance of {$0.00}. 
TransUnion reports a high balance of {$18000.00}. 
These discrepancies are unacceptable and reflect a failure to maintain accurate and consistent reporting. 

Contradictory Payment Status : The payment history reflects late payments while simultaneously indicating the account is charged off with no further payment obligations. This inconsistency undermines the validity of the reported information. 
Duplicate and Conflicting Comments : Comments state the account was closed due to inactivity and also charged off. How can an account be inactive yet continue to generate derogatory marks? 
Failure to Validate the Debt : Despite repeated disputes for over XXXX months, neither XXXX nor the credit bureaus have provided adequate validation for this debt. Reporting unverifiable information is a direct violation of the FCRA Section 609. 
My Frustration and Damages : I am beyond frustrated with the incompetence and disregard for my rights displayed by XXXX and the credit bureaus. This ongoing issue has caused significant damage to my credit profile, preventing me from accessing fair financial opportunities. The fact that this inaccurate information continues to be reported after XXXX months of disputes is inexcusable.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I reviewed my consumer report and noticed adverse items being furnished by Eastern Account Syst for alleged debts in the amounts of {$260.00} and {$220.00}. As of XX/XX/XXXX, Eastern Account Syst has been notified at the address specified in Exhibit ( A ) of ; the misleading and inaccurate information, my right to refuse to pay such alleged debts and to cease all further communication conveying the inaccurate information. This included but not limited to ; telephone calls, emails or any furnishing of information to the consumer reporting agencies. Eastern Account Syst never notified me prior to furnishing the alleged debts or ANY correspondence/communication in regards to the alleged debts. pursuant to sections 814 ( d ) and 817 of the Fair Debt Collection Practices Act ( FDCPA or Act ), 15 U.S.C. 1692l ( d ), 1692o ; title X of the XXXX XXXX XXXX Reform and Consumer Protection Act ( Dodd-Frank Act ) Eastern Account Syst must cease ANY and ALL collection attempts in regards to the alleged debts mentioned within until Eastern Account Syst sends a copy of verification of the debt or of a judgment to the consumer in writing or electronically in the manner required by 1006.42 ; Congress finds there is abundant evidence of the use of abusive, deceptive and unfair debt collection practices pursuant to 15 U.S.Code 1692. It has been well over 30 days and Eastern Account Syst has strict liability and must comply with all statutes and regulations set forth. Eastern Account Syst has failed to comply and respond to such notice and correspondence. Negligence of the law is no excuse. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, Eastern Account Syst shall be held liable due to Non-compliance. ( 15 usc 1692k ( c ) ) XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) - Proof of Claim
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes to each on of the credit bureaus :XX/XX/XXXX, XX/XX/XXXX & Equifax and they have yet to respond to me or provide results. I do understand there is a pandemic going on, but they are still required to provide results under the law. They are reporting errors on my credit file and they need to respond to disputes.
Product: Debt collection

I don't recall having a contractual relationship with JEFFERSON CAPITAL SYSTEM Account Number : XXXX.
Product: Credit reporting or other personal consumer reports

My account with Experian 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 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.

Experian 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 card or prepaid card

I used XXXX XXXX to apply for this card because XXXX XXXX suggested it and my approval odds were good. And I was denied again for the 5th time. I have a good credit score and all accounts that I have are paid on time and paid and closed early. The excuse that they gave me for denying an account to me was my debt is too high. But it is student loan debt and I am still in school. They approved a XXXX XXXX that I know with more debt than me and a score lower than mine. Im starting to feel as if they are discriminating against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. I DID NOT AUTHORIZED THESE INQUIRIES NOR GAVE ANY CONSENT TO ANY COMPANIES TO FURNISH THIS ON MY REPORT PLEASE SEE ATTACHED OF MY ID XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2021, I sent written correspondence via Certified U.S. mail to Capital One Auto Finance requesting that they delete inquiries on my credit reports ( XXXX, XXXX, and XXXX ) dated XXXX XXXX, 2021, considering that I did not authorize anyone employed at Capital One Auto Finance to make any inquiries, or view my credit report. This is a blatant violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, as I did not personally submit an application to Capital One Auto Finance bearing my signature.