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

I, XXXX XXXX, identified multiple violations of the Fair Credit Reporting Act ( FCRA ) and related laws regarding the handling of my credit information. These include several instances where my rights as a consumer were disregarded or violated. Specifically : Willful Noncompliance : The credit reporting agency accepted and reported inaccurate information about me without verifying its accuracy, violating FCRA Section 616.

Disclosure Failures : My right to opt out of sharing personal information was not disclosed, violating FCRA Section 603 ( d ) ( 2 ) ( A ).

Furnishing Deceptive Information : The agency reported inaccurate inquiries and accounts without proper validation, violating FCRA Section 623 ( a ) ( 3 ) and accounting standards. 
Unfair Debt Collection Practices : My information was shared inaccurately, leading to harassment and contact by creditors, violating debt collection laws.

Third-Party Contact Violations : Debt collectors improperly disclosed debt information to third-party credit agencies, violating location information regulations.

Late Payment Reporting : Late payments were reported inaccurately without clearly defining what constituted a late payment, causing further discrepancies.

Finance Charge Errors : Finance charges were calculated inaccurately, failing to meet the agencys responsibility. 
Unauthorized Reporting : My credit report included information without my written consent, breaching permissible purposes under the FCRA. 
In response to these issues, I demanded immediate corrective actions, including updating and removing inaccurate entries from my credit report, such as unauthorized hard inquiries and misreported accounts. If these corrections are not made promptly, I will consider pursuing legal remedies under the FCRA.
Product: Student loan

Edfinancial is scheduled to take my student loan out of my account on the XXXX of every month. Their auto payment software malfunctioned and now their website claims : " We are currently experiencing extremely high call volume and longer-than-normal wait times. For faster service, please visit Studentaid.gov to see your student loan repayment options and how to apply for a lower monthly payment. '' Because of the extreme volume, no calls can get through and you are left in an endless queue. I am worried because I will be punished for late payment when the issue was caused by their own lack of competence. Edfinancial has yet to contact me.
Product: Credit reporting or other personal consumer reports

I have identified inaccuracies in the information reported to Early Warning Services , LLC regarding discrepancies associated with my name in relation to XXXX XXXX. I formally request the immediate removal of this inaccurate information from my Early Warning consumer report. Additionally, I would like to clarify that this debt has not been properly validated. As such, I demand the removal of this account from my report by the date of this letter. Despite my repeated attempts to resolve this issue through customer service, I have not received a satisfactory resolution, and my complaints have been marked as duplicates without proper validation or response. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive proper validation of this debt. Therefore, I dispute the validity of the account in question and consider it to be fraudulent. I am prepared to take legal action if this matter is not resolved promptly.
Product: Credit reporting or other personal consumer reports

My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. All data included in a consumer 's file must be properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and financial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. We must ensure all claims are accurately and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.

Heres the list of the questionable items : XXXX XXXX - Account NumberXXXX have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt nor therefore any such debt exists XXXX XXXX XXXX  - Account Number:XXXX I need to see all bank transactions that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payment XXXX XXXX XXXX  - Account NumberXXXX  Please remove inaccurate reported late payments and update to paid as agreed XXXX XXXX XXXX - Account Number:XXXX Please remove inaccurate reported late payments and update to paid as agreed XXXX XXXX  - Account Number:XXXX This is not mine. 

XXXX - Account Number:XXXX  THIS CONTRACT IS CANCELED MIDLANDCRE - Account Number:XXXX I don't recall having late-payment on this account
Product: Checking or savings account

On XX/XX/2023, I contacted Chime bank after receiving an unsolicited debit card in the maIl that was attached to a checking account. I asked the representative to provide me with account opening details such as when and how was the account opened. Or was this an unsolicited account opened by Chime using my information. The representative advised me that they could not provide me with that information, but proceeded to send me an email closing the account with asking for my information. I again asked the representative if Chime is opening unsolicited accounts and she repeated that the account was closed and could not provide additional information.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off XXXX XXXX XX/XX/XXXX {$2500.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$4400.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$1200.00XXXX XXXX XXXX XXXX XX/XX/XXXX {$2200.00} late payment XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX personal information Current Address ( es ) : XXXX XXXX XXXX XXXX, AL XXXX Previous Address ( XXXX ) : XXXX XXXX XXXX XXXX, AL XXXX Previous Address ( XXXX ) : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, AL XXXX XX/XX/XXXX Employers : XXXXXXXX XXXX XXXX Employers : XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I first two response were unaccetable pertianing to my complaint. as if you do simple basic math which I'm not going to do for them there has NEVER been any time where i was 60 days over due. they have half a dozen late payments posted and XXXX is the only company reporting inaccurateness from pay tomorrow. Why? Because XXXX and XXXX can clearly do math. if this is not resolved we will address the issue in small claims court and we will simply sue you for the damage you have caused as my credit is nearly a XXXX not XXXX because of your inaccurate posting. I'm being denied use of my credit because of your inaccurate posts of being over 60 days late which never happened. Ive provide my bank statements that show payments were always made as they are automatic withdrawals from my account and you use my routing number. I have never made a payment you take them yourselves. 

they have the documents already ive sent them several times
Product: Mortgage

WELLS FARGO ORDERED APPRAISALS FOR OUR MORTGAGE ON OUR BUSINESS PROPERTY WITHOUT OUR KNOWLEDGE AND WE DID NOT RECEIVE COPIES OF THESE APPRAISALS UNTIL WE SOLD THE PROPERTY AND ASKED FOR A PAYOFF. WELLS INCLUDED " APPRAISAL FEES '' FOR {$5300.00}. WHEN WE QUESTIONED THESE FEES THEY RESEARCHED THEIR FILES AND FOUND OUT WE HAD PAID {$2000.00} OF THESE FEES. WE WERE GIVEN A CREDIT FOR {$2000.00} AND WE WERE TO RECEIVE {$3300.00}. BUT XXXX CHANGED THE INTEREST THROUGH AMOUNT FOR THE SAME DAY X/XX/2017 FROM {$480.00} TO {$480.00}. WE WERE REFUNED A CHECK FOR $ {$3300.00}. PER OUR CONTRACT WITH WELLS AND THE EQUAL CREDIT OPPORTUNITY ACT-REGULATION B, WE WERE NOT GIVEN COPIES OF THESE APPRAISALS UNTIL WE SOLD THE PROPERTY IN 2017, WHICH WAS YEARS LATER. PER THE DODD-FRANK ACT THE APPRAISALS FOR OUR PROPERTY WHICH WAS IN A HIGH RISK LOAN ACCOUNT DID NOT INCLUDE A VISIT OF THE INEREIOR OF THE DWELLING.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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

So I was checking my credit report and i came across accounts that d not belong to me. I reached out to the credit Bureau. They told me to reach out to the XXXX which I did. I still have not receive any response about my dispute. 
The account does not belong to me. 



XXXX acct # XXXX Balance {$11000.00} I am requesting that the XXXX major credit bureaus XXXX XXXX Equifax and XXXX to cooperate with me on this. Please provide proof or delete immediately
Product: Debt collection

As agreed i paid the amount that was owed. Account is closed and current and should be removed from my credit report. The amount Solomon and Solomon are reporting and the amount i owe XXXX were not the same which makes it look like XXXX different credit reportings. The collection agency did not ever contact me they just made a collection report on my file.
Product: Credit card

My bank says American Express received electronic payment on XXXX XXXX, but American Express posted it as received on XXXX XXXX causing it to appear as late.
Product: Checking or savings account

I applied for a Business XXXX XXXX American Express Card in XX/XX/XXXX after I received a promotional application in the mail, stating that I would receive XXXX points after spending {$5000.00} in 3 months. I sent the application in the mail and received the card in approximately 10 days. I started using the card for all of my business expenses and accumulated approximately {$6000.00} in 3 months. After two months later, I had not received the promotional points. I called and was told that because I had previously opened American Express cards I was not eligible. The two cards opened had been closed for over two years ( XXXX, XXXX ) They also said there was a disclosure in the application but it is very vague stating you might not qualify for the promotional. I received no email or letter regarding the fact they were sending me a card but were not going to give me the promotional points. I have some airline cards that I would have preferred to use but changed over to XXXX due to the " promised '' promotional. I just called them today after another issue came up due to the fact I had been charged for trailing interest fees for three months after I had opened the card. I had immediately signed up for auto payment and assumed my bill was being paid. But unknown to me, it doesn't kick it for a month or so. So when I realized my bill was overdue, I immediately called, paid on the phone and received credit for the late fee. But even though my bill was paid on time in the next two months they were charging a trailing interest fee which I had not noticed since somehow I was on paperless billing. When I did notice it, I called but at first the representative told me that was nothing they could do about it. I pressed her to speak to a supervisor who after my insistence, gave me a credit for the trailing interest charges. At this point I also questioned her about my promotional points and was given a lame excuse that the application said you might not qualify. I asked her why I wasn't told that when I received the card and she said if you had applied on line you would have received an email stating you didn't qualify? Well I did not receive an email or letter. I also wrote American Express customer care, XXXX. XXXX XXXX, XXXX XXXX Texas XXXX about the situation. That was over two months ago and I have not received any response. The representative today said they don't usually respond to the customer???? I feel that if I didn't quality ( and the reasons seem very vague ) I should have been notified when I received the credit card. Thank you for your assistance. XXXX XXXX XXXX XXXX XXXX -- XXXX
Product: Credit card or prepaid card

Applied for XXXX visa to save XXXX cents a gallon. 
Company is asking for two years of W2s when one W2 would suffice to provide proof of income and years of service at the same place of employment.

W2 contains other personal information not relevant to the application process.

The company is overreaching for personal information for an improper purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm victim of Identity Theft, my personal information has been stollen, so as a result I got fraudulent hard inquires on my report. I have filed FTC report for this matter and included in this report. 
I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of 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.

I'm not using any third party for this matter and send this dispute on my own. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
Here are these hard inquires : XXXX XXXX XXXX  XXXX  XX/XX/2022 XXXX XXXX  XXXX  XXXX  XX/XX/2022 ; XXXX XXXX XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 Please remove these items listed above as a fraudulent items.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

COLLECTIONS XXXX {$120.00} COLLECTIONS XXXX {$130.00} COLLECTIONS XXXX {$1500.00} XXXX XXXX {$5100.00} XXXX XXXX {$150.00} XXXX XXXX   XXXX {$22000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX  XXXX {$260.00} XXXX XXXX {$720.00} BANKRUPTCY CHAPTER XXXX DISCHARGED XXXX {$0.00}
Product: Payday loan

I contacted the lender at Advance America and let her know about my financial hardship situation. She processed the court papers and had a third party call my uncle and my friend about getting the papers processed. I have stayed in contact with them about my loans. I keep getting harassing phone calls from them more than one a month. my uncle, mom and friend recieve phone calls from a third party in Texas for Advance America.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I was advised to reach out to you guys from this attorney guy on the board at the building. I went to try and help my dad get a car and I was not approved. I thought maybe the people at the dealership was stringing me along so I went and got the free credit report thingy. There are things on my credit that is not mine. I've filed with the FTC and talked to the police. I'm doing on my own. Chapter XXXX Bankruptcy, 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. Please remove these items from my credit.
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine. They have been billing me and I continue to pay because I do not want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I stayed at the resort once but only paid for the time I was there. I did not purchase anything from them. I have disputed this with the credit bureau but had no resolutions. I realized XXXX took my information and fraudulently used it without my permission to process transactions and open an account without my knowledge. This is a scam & I demand this to be thoroughly investigated promptly. This inaccurate account is being reported in my credit records and is hurting my financial stability. I have requested multiple times for verification of this account but the creditor has refused to provide any information. Ive sent out demands to have this account verified on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 but Ive had no responses. Ive sent out requests to XXXX and TransUnion and to the original creditor and it has been deleted in my XXXX but it still shows under TransUnion. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Product: Mortgage

BBVA failed to auto-debit from my personal BBVA account that pays my BBVA mortgage. I have had this auto debit setup with BBVA since XXXX. Nothing has changed on my accounts. This is the second time BBVA had a failure to auto debit from my accounts. Current incidient happened in XX/XX/XXXX when BBVA failed to auto debit my account to pay the mortgage which was noted as a mistake CAUSED by BBVA. It was a known mistake by BBVA bc letters were sent to customers apologizing for failure to auto-debit. This is an issue bc BBVA automatically sent my " failure '' to pay to collections. Since this is BBVA 's mistake, BBVA will need to send a letter to collections and take appropriate action to reverse the damage to my stellar credit score. I have tried multiple times to discuss this with BBVA and they said they can not help me. I am extremely frustrated. Please help. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.