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

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/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 XXXXXXXX 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 was overcharged apx {$140.00} at the end of my auto loan with Wells Fargo auto loan services. I had an ongoing dispute with them regarding this amount for 4 months at the end of my loan period. I finally relented and paid the balance sine I was in the process of purchasing a home and did not want this open balance reflected in my credit report. However a year later I received a refund check and letter from Wells Fargo dealership stating that I was indeed overcharged. However this is still adversely effecting my credit rating and my ability to get a lower auto loan interest rate and refinance on my home
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late 30, 60, or 90 days late. I am not sure how this happened. I believe that I had made my payments to the companies when I received my statements. My only thought is there was a billing error with my statement because I have always made my payments on time. 

I contacted the companies in regards to this matter but they never responded. Also during the time the late payments took place My Identity was stolen. I have sent them letters, made calls but not response these accounts is hurting me and I need the matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a personal loan with the company XXXX XXXX  which is current and have no late payments history, but Experian is reporting inaccurately delinquency on this account late payments which is incorrect as evidenced in the payment history statement of the lender and is still reporting incorrectly and inaccurately after I sent them a request to correct this information. This error in the reporting is extremely hurting my credit and causing me severe stress and anxiety because of this. I demand that Experian immediately fix the reporting on this account.
Product: Credit reporting or other personal consumer reports

I am writing to request the deletion or removal of information from my credit file that is the result of identity theft. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to remove these items within 4 business days. I have previously provided the necessary documentation, and I am including it again with this letter. The information you provided regarding these items is unfamiliar to me, has already been removed by other bureaus, and I question its accuracy. 
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 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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

My monthly car payment with Bank of America is {$1400.00}. Since taking out the loan in XXXX of XXXX, I have made all of my payments and have never been over 30 days past due. 

On XX/XX/XXXX, I noticed thatI had an outstanding fees of {$230.00} on my statement and called to inquire why this was. Bank of America informed me that I was charged " late fees '' on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I requested that my due date be changed to reflect the days I've been making my payments and Bank of America honored the request by making my due date the XXXX of every month which will prevent late fees in the future. I requested that the bank waive {$230.00} in late fees as a one time courtesy given the fact that I have never requested a fee reversal in the past, that I have never been more than 30 days late, and that I changed my due date to prevent this from happening in the future. The bank was only willing to reverse fees charged on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for {$89.00}.
Product: Vehicle loan or lease

During loan period, lender has charged excessive late fees. There is a 10 day grace period on payments made. Payments are due on the XXXX of each month. Lender has charged late fees on the XXXX day of the grace period, on 4 occasions. Reason I was given for these excess late fees was ... '' your payment is due on the XXXX, not the XXXX. '' I have email correspondence of my and lenders conversations.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the FAIR CREDIT REPORTING ACT. ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcome. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violated federal law and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello again, Just last week I spoke to one of your Customer Service Representatives, they had told me to write in regarding the aging of my account with you. In addition, the agent told me the reason the account is aging at this time, showing a charge off as of this date,  XXXX/XXXX/202, is because your " system '' shows that I have disputed the account, therefore it automatically reports it as currently being charged off. When in reality it was charged off almost seven years ago. This is not only damaging my credit or what little I have it is also false information.

Therefore, I am asking that you be so kind to remove the " dispute '' on my credit report with your company right away. Please report to all three credit reporting bureaus right away. Then, please on the  payment history do not report past the actual charge off date as per law or the FCRA. This should take the account to the proper status. Please see that these changes are done right away. 

Thank you in advance. 

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

Im entitled to an accurate an complete credit report I have new evidence to show I never had a late payment from the credit reporting account XXXX XXXX XXXX  ACCOUNT NUMBER XXXX, I also have proof they have been looking into a DUPLICATE account under the same name XXXX which shows close, I DEMAND METHOD OF VALIDATION. as I have contacted the creditor as it is my right & have verified THEY ARE NO LATE PAYMENTS ON MY ACCOUNT ; I Demand a credit investigation be preformed. ( documentation attached. )
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT.THE LIST OF ACCOUNT HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXXXXXX XXXX ACCOUNT # XXXXXXXX XXXX  ACCOUNT # XXXX HAS 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 STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION. 

15.U.S.C .1681C. ( A ) ( 5 ) SECTION STATE : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEM OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTION 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 CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. 


REMOVE/DELETE OFF OF MY CREDIT REPORT.
Product: Money transfer, virtual currency, or money service

This complaint is in regards to a personal loan that I originally took out through Seedfi which was always paid on time as agreed and has since been transferred to SST Service Systems Technologies Inc. loan number XXXX. While in SSTs care I have since paid the loan off in full on XX/XX/XXXX the balance of XXXX. Part of the original loan agreement with XXXX was I would be given XXXX upon signing the loan agreement and another XXXX plus interest upon paying the loan off this money would be direct deposited to my checking account on file within 5-7 days. As of today XX/XX/XXXX i have not recieved the XXXX plus interest and phone calls to this company have had no resolution to this. I have also requested politely to speak to a supervisor many times which they refuse to do I was told one would call me which never happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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
Product: Credit card

Still no resolution. I called again on XX/XX/XXXX spoke with XXXX on Synchrony Fraud team and she said all this time, they have been submitting the claim wrong, that is why it is being denied. Again, due to your fault, you have not taken the time to properly address this and meanwhile tack on hundreds of dollars in your fees, while I continuously report this as fraud. I just got a letter saying you are closing my account and reporting almost {$500.00} to the credit agencies. I requested this be closed multiple times since XXXX, and was told it was done. Why was it not done yet? Why was an extra {$100.00} added to the balance? 

Synchrony bank fails to investigate fraud, or protect consumer accounts. They continue to refuse acknowledging their gross negligence in protecting the security of my account, as this credit card was used without my knowledge and my fraud claims fall on deaf ears. " XXXX XXXX '' from the last response put zero effort into resolving this issue which I wil bring forward again until it is resolved. 

I opened a credit card in XXXX and made one purchase on XXXX. Shortly after, I destroyed the card. In XXXX Synchrony allowed this credit card to be used without verifying that the buyer had it in their possession. Since the card was long gone, there is no way the buyer could enter the XXXX digit security code on the card. I was not prompted via XXXX, and once I learned of the charges months later, I have been reporting fraud ever since through their fraud line, and no one has corrected it. It took multiple outreaches for them to close the card at my request, and they continue to open new accounts in my name with new account numbers, making it imposisble for their customer service people to locate the account to assist. Instead of correcting their mistake, they have snowballed interest and fees on this small balance for over two years, creating a bill of almost {$400.00}. My XXXX account is a shared account, as is the laptop, and this is not an uncommon practice among XXXX users. After 2+ years they will not disclose proof that I was without a doubt involved with these XXXX purchases. They can not show proof because there is NONE.
Product: Checking or savings account

A couple of months ago my cashapp was partially closed without any knowledge. I have had the account for years. I went to use my card one day and it has been turned off by cashapp I contacted customer support and they couldn't tell me anything other than my direct deposits had stopped and I wasn't allowed to use my card but I could still receive money. I had to switch my bank account info for my job and other deposits because of this. But they refuse to close my account. They won't let me use it at all though. I went back and forth with customer service alot and got no help at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is currently reporting an account with multiple inaccuracies that violate the Fair Credit Reporting act. 

The account is ; XXXX  XXXX Account Number : XXXX I sent a letter on XX/XX/XXXX. 

Below are the inaccuracies : 1.You are reporting a Payment status of 120 days late when this account has a XXXX  balance. 

2. You report this account Date Closed on XX/XX/XXXX yet report 120 days late on XX/XX/XXXX? How can this be accurate? 

3. You report this account Date of First Delinquency XX/XX/XXXX and yet report 120 days late on XX/XX/XXXX. How is this accurate? 

As you can see, there are MANY inaccuracies on this account and demand it be deleted from my account per FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Name of collection/charge off accounts ) that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the XXXX bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Amongst the three credit bureaus my personal information is reporting inaccurately which violates my consumer rights per the following information : Firstly, there are differences in the name of the account holder across the three credit bureaus. XXXX lists the name as " XXXX XXXX XXXX, '' while XXXX and Equifax both list the name as " XXXX XXXX XXXX. '' This discrepancy in the spelling of the middle name could potentially cause confusion and lead to errors in the reporting of the credit history. 

Secondly, there are discrepancies in the current and previous addresses listed by the different credit bureaus. XXXX lists the current address as " XXXX XXXX XXXX XXXX XXXX, GA XXXX, '' while XXXX lists the same address but without the " XXXX '' in XXXX XXXX name. Equifax lists the address as " XXXX XXXX XXXX XXXX XXXX, GA XXXX. '' Similarly, the previous address listed by XXXX is " XXXX XXXX XXXX XXXX XXXX, GA XXXX, '' while Equifax lists the same address but without the zip code extension. These inconsistencies in the formatting of the address could lead to confusion and potentially impact the accuracy of the credit report. 

Finally, there are differences in the employers listed by the different credit bureaus. XXXX lists " NOT PROVIDED '' as an employer, while XXXX and Equifax do not. This discrepancy could raise questions about the accuracy and completeness of the credit report. 

These inconsistencies may violate the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy and completeness of the credit reports they produce. Specifically, Section 607 of the FCRA requires that credit bureaus " follow reasonable procedures to assure maximum possible accuracy of the information '' in credit reports. Additionally, Section XXXX of the FCRA requires credit bureaus to provide a free copy of the credit report to consumers once every 12 months, so that they can review the information and report any errors or discrepancies.
Product: Debt collection

To Whom It May Concern : Id like to make a formal complaint against XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX and Gurstel Law Firm, P.C., XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, UT XXXX. 

On XX/XX/XXXX, I was contacted by XXXX XXXX regarding a business loan that defaulted in XXXX. The business loan was under the business name of XXXX XXXX, XXXX. The transaction was conducted between XXXX XXXX and XXXX dba XXXX XXXXXXXX. After doing some research, I was able to find that XXXX XXXX purchased a bulk amount of defaulted loans from XXXX XXXXXXXX. 

On XX/XX/XXXX I was contacted by Gurstel Law Firm regarding the same debt stating that I owed the debt as a personal guarantor. The debt was also placed on my personal credit reports at that time. 

Shortly thereafter, I disputed the information on my credit reports as this debt is not personal nor was it defaulted on in XXXX as they so made it appear. The results were not favorable as each agency relied on what XXXX XXXX provided. 

I disputed my credit report again in XX/XX/XXXX and provided evidence of the above and the credit agencies again failed to remove the inaccurate information from my reports. 

On XX/XX/XXXX I was served at my home by an unidentified man with court papers from the state of Utah. XXXX XXXX is filing suit against me in Utah and not South Carolina under a XXXX & XXXX clause that is listed in the business agreement. However, the original business agreement was signed between XXXX XXXX and XXXX XXXX, not XXXX XXXX. XXXX XXXX was not involved in the transaction and purchased the debt in XXXX from XXXX XXXXXXXX. No business relationship exists between XXXX XXXX and XXXX XXXX nor does a personal relationship exist between XXXX XXXX and XXXX XXXX. 

I believe that XXXX XXXX and Gurstel Law Firm are practicing unlawfully due to the following : 1. XXXX XXXX is representing that they are the original debtor. They are not. 
2. XXXX XXXX is representing that this debt defaulted in XXXX whereas it defaulted in XXXX. 
3. It has been seven years since the debt defaulted, so this should not be reported on any credit report, business or personal.

4. XXXX XXXX is pursuing this as a personal debt whereas it is a business debt. 
5. XXXX XXXX XXXX is a Limited Liability Company and is responsible for its own debts. 
6. As per XXXX XXXX Articles of Organization, the members are not liable for the companys debts or obligations.

7. The application for the XXXX XXXXXXXX loan, dated XX/XX/XXXX, was applied for using the business name as it was for business equipment. 
8. The Business Loan Agreement, dated XX/XX/XXXX, is between lender ( XXXX XXXX ) and XXXX XXXX XXXX ; the debt buyer has this listed on my personal credit report as an individual debt, which it is not.

9. Pursuant to South Carolina law, the statute of limitations has passed for XXXX XXXX to seek judgment or civil suit against XXXX XXXX, let alone XXXX XXXX ; the law states three years after the loan defaulted. The loan defaulted in XXXX. XXXX XXXXXXXX had until XXXX to pursue legal action. 

XXXX XXXX XXXX
Product: Debt collection

XXXX XXXXXXXX XXXX  XXXX has sent XXXX to serve papers on me for a supposed debt from 2007. When asked for any kind of verification of debt they refused to give me any and said I owed XXXX but I could pay them XXXX but all they say is it is a debt from XXXX from 2007. They give me invalid numbers to talk to their client they tell me that SC Statue or Limitations do not apply and I have to pay the debt or go to court. 

Their contact information is XXXX and XXXX when googled nothing comes up