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

In accordance with the Fair Credit Repoerting Act XXXX Account # : XXXX XXXX BANK XXXX ACCT # 444796XXXXXXXXXX XXXX XXXX ACCT # 532211XXXXXXXXXX XXXX XXXX XXXX ACCT # 128842XXX TBOMXXXX ACCT # 541051XXXXXXXXXX XXXX XXXX ACCT # 405731XXXXXXXXXX XXXX ONE ACCT # 517805XXXXXX XXXX XXXX XXXX XXXX ACCT # 302751XX XXXX XXXX XXXX XXXX ACCT # 622106XXXX XXXX XXXX XXXX XXXX ACCT # 200000XXXXXXXXX XXXX XXXX ACCT # 102654XX XXXX ACCT # 550114XXXXXXXXXX XXXX XXXX XXXX ACCT # 323672XX XXXX XXXX ACCT # 121780XXX  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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
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. 

COLLECTION : # XXXXXXXX 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, credit repair services, or other personal consumer reports

TransUnion, XXXX, XXXX have reported Unverified Account on my Credit Reports. Please have all accounts Unverified Accounts removed : XXXX XXXX XXXX XXXX XXXX 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

Please reverse the late payments reported on the following accounts : XXXX   XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Student loan

The reason for this complaint is XXXX XXXX is using shady and deceitful practices to get me to pay more money then what is owned for XXXX online classes from a third-tier college. Online XXXX tuition is {$390.00} per credit hour. XXXX coaxed me into getting a loan that I didnt need, I received Pell funding and also financial assistance from VA since my husband is a XXXX Veteran. They assured me that this was common practice to get into their school. I was working towards my XXXX XXXX XXXX. I started taking classes and I notice that I couldnt access my financial disbursements, Pell information, class cost, and other expenses. I was getting letters from Great Lakes and XXXX XXXX stating that I owe money for a loan that I have NOT received funds from Great Lakes, and I never got a billing statement from XXXX. I contact the financial aid office and spoke to XXXX XXXX ( Associate Director of Student Financial Service ), I asked for an itemized bill for my school expenses and I couldnt get a clear and concise answer other than the computer system will be updated. XXXX has since updated its computer system and it still seems to be antiquated. Weeks went by and I called Financial Aid office again and spoke to XXXX XXXX ( Director of Student Financial Services ), he assured me that things would get rectified soon, and I left messages that he never returned. Im confused about the lack of transparency and misleading information that I received from XXXX ; I decided to drop my classes and withdrew from the school. I contacted Great Lakes to no avail they informed me that XXXX is in control of the monies when it is released from them. On Great Lakes website it states that I currently owe {$1000.00} and I owe XXXX {$470.00}. How do I owe this money? I need someone to help me decipher thorough this enormous amount of documentation which is meant to bombarded and perplex me into overpaying XXXX XXXX. Montreat/Great Lakes should be audited for its predator lending practices. 


Here is what I know : Documents are attached As of today XXXX sent me a check for {$3700.00} ( XX/XX/2020 ) and {$260.00} ( XX/XX/2020 ) = {$3900.00} Ive paid XXXX {$1700.00} ( XX/XX/2020 ) and {$1900.00} ( XX/XX/2020 ) = {$3600.00} Great Lakes said I owe- {$1000.00} My Military Discount- {$260.00} Pell Grant Payment- {$770.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX At the outset of the month, my husband conveyed to XXXX that we could collect the remainder of our belongings on the XXXX or XXXX. 

XXXX XXXX  refused, stating that she has reclaimed ownership of the unit, leaving us unable to retrieve any of our belongings. 

XXXX XXXX  On this date, I reached out to the collection agency to inquire about a debt they had placed on my and my husband 's credit report. 


XX/XX/23 - On the specified date, I notified the third-party collection agency that XXXX had withheld our personal property after the lease expired on XX/XX/23. 

XXXX The collection company informed me that since XXXX had this in her lease ( ILLEGAL ) that it was okay. They informed me to refer to Section 35. 

XXXX I responded via email - Furthermore, I would like to address the issue of retrieving personal belongings. As per Section 83.67 of the Florida Statutes, a landlord can not include provisions in the lease agreement that waive or limit a tenant 's right to retrieve their personal belongings after eviction or termination of tenancy. It is my understanding that any provision in the lease or rental agreement that attempts to modify or waive a tenant 's rights under Chapter 83 is deemed void and unenforceable. In light of this information, I would appreciate it if you could provide evidence that my personal property is or was in storage. 



I've tried to address this matter with the third party, but they neglected to investigate the unlawful withholding of our belongings. 

XXXX XXXX XXXX XXXX XXXX XXXX responded Concerning the personal property left at the apartment, this matter falls under the purview of the propertys management. Our agency 's scope does not cover landlord-tenant issues, so we advise addressing this directly with the propertys management team. 



XXXX I informed the third party collection agency that XXXX XXXX hasnt responded to ANY of my emails. 
XXXX I reached out via email again to the XXXX XXXX XXXX XXXX XXXX informing them on the no response from the Company that theyre collecting this debt for. 
XXXX I followed up again. Still NO RESPONSE from either company. 
XXXX I followed up again. Still No RESPONSE from either company. 



XXXX XXXX XXXX XXXX XXXX XXXX also failed to inform me of my rights to dispute. Instead, they directed me to contact XXXX XXXX for details on storage fees and photos confirming the safekeeping of my personal items. 

XXXX I done exactly what XXXX XXXX XXXX XXXX XXXX told me to do which was contact XXXX XXXX. I sent them an email. 

XXXX I followed up again via email. 

XXXX I followed up again via email. 

XXXX I followed up again via email XXXX I followed up again via email. Still no response. 



Additionally, not only was our personal belongings held ILLEGALLY and UNLAWFULLY but my husbands and our confidential information was disclosed to an individual without proper justification, unrelated to the XXXX XXXX XXXX XXXX XXXX did not maintain the confidentiality of our private information.
Product: Credit card or prepaid card

I have a credit card with American Express that is currently on a financial hardship repayment plan, where I am charged lower interest for the period of the plan. 

However, AmEx has been charging me two separate interest amounts every month, instead of just the one, that negates the purpose of being in this program. 

When I asked why, they made excuses about expired promotional balances but refused to comment on how this was in-line with my repayment program. 

I should not be charged these two separate interest amounts while in the repayment program ; otherwise, what is the point? This is deceptive and wrong. 

My entire balance should be subjected to the same lowered interest rate while in the program.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit hurt by multiple credit inquires within two months. Only one authorized but XXXX XXXX via XXXX XXXX has XXXX inquires weighing on my credit. I only authorized one. Banks are also forcing me to pay back money sooner by tarnishing credit with unauthorized hard inquires and other devious practices. XXXX XXXX and XXXX XXXX will loss my business because of this over-time. Trans-Union will not allow me to dispute my hard-inquires??? I have not requested any new credit and hard inquires are showing up. Not fair to consumers. Please tell me they are not going to let big business and Banks walk all over American People?
Product: Consumer Loan

I have sent Honda financial services several certified letters. First letter was not signed for and usps stated " business closed ''. I called AHF and representative gave me another address. Sent certified letter there and have signature dated XX/XX/2016. After 30 days AHF did not mark my credit reports as being disputed as required by the FCRA. I have sent a third certified letter on XX/XX/2016 to same address as second letter but it is now also being returned as " business closed ''. AHF is in violation of the FCRA and i want the accounts removed from all of my credit bureaus as required by law
Product: Bank account or service

XX/XX/XXXX I applied for a promotion of you Citigold debit card. 
Promo code : XXXX My Debit card # XXXX Checking Account # XXXX Since I met the requirements to received XXXX XXXX miles in XX/XX/XXXX, I have been calling many times Citibank to report that I have not received the promised XXXX miles of the promotion. I have spoken with numerous people, supervisors and sadly to report, none of them cared. I had even opened cases, ie. 
case # XXXX but nothing has been done, nobody takes ownership of this issue, nobody cares. Last time they told me they needed my XXXX # to post the miles, which I again gave to them several times, but nothing happened. 
So after more than 6 months of contacting their people more than 12 times, the issue is still not resolved which is very upsetting. I even talked to supervisors several times but nobody takes ownership and it seems nobody cares at all.
Product: Debt collection

I had an account with XXXX XXXX, a XXXX XXXX XXXX XXXX. XXXX was sold to Allied Interstate LLC. I paid the debt off to Allied Interstate, but it was not reported into credit. When I try to get a XXXX XXXX XXXX Credit Card is still deny the application due to default debt with XXXX  XXXX.
Product: Payday loan, title loan, or personal loan

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$0.00} / XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account ( XXXX XXXX XXXX Account Number XXXX ) on XXXX XXXX for continuing to report inaccurate information on my credit report. Equifax did not due a proper investigation or provided me with the paperwork that they supposed to have that is required by the FCRA. They wrote me back the following month and said that it was reporting accurate when it's clear, it's not.They are continuing to report a charge-off every month. They are falsely manipulating the statute of limitations on this account after I disputed this account with factual information that their company provides. I will upload my original dispute letter along with the copy of the payment history proving that Equifax are in violation. I have also contacted the creditor and they have failed to respond numerous times. They are continuing to report false information on my credit report and are in violation.
Product: Debt collection

I was told that I still owe a balance of {$2800.00} dollars. Even though I sent previous payments in 2022. My balance shouldnt still be this much. I have struggled even became homeless previouslywith no way to pay off this debt. Ive been getting non-stop calls and texts. I would consider this harassment. I havent had a stable job to pay this off let alone XXXX. My remaining balance should be {$800.00}. I do not want to be contacted by this debt collector anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the credit reporting act XXXX Account # s Has violated my rights account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. XXXX XXXXXXXX XXXX 2XXXX XXXX XXXX 3.XXXXXXXX XXXX XXXX 4. XXXX XXXX  XXXX 5.XXXX XXXX 6.XXXX XXXX 7.XXXXXXXX XXXX XXXX 8.XXXXXXXX XXXX  XXXX 9.XXXX  10.XXXX XXXXXXXX XXXX XXXX 12.XXXX 13.XXXXXXXX XXXX  XXXX 14.XXXX XXXX 15. XXXXXXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It Also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card or prepaid card

These people don't value their customers or their relationship with them. I disputed XXXX XXXX dollars worth of authorized charges on my credit card account from a lawyer who ended up scamming me after we paid for his services. I went through the whole disputes process, and Capital One Disputes department didn't accept my proof of me being scammed which is in black and white. I showed them several pages from the court transcripts, showing by the attorney 's very own words that he was unprepared, and did not file a motion prior to court which had he done, the case very well may have been won. It also showed that what he claimed he didn't know, all the sudden after getting my last dollar, he very well did know, because the prosecutor and judge stated it twice in the court room ... And even with that, they said I didn't submit enough proof and they needed a second opinion. So I provided them with a second opinion. And THAT wasn't good enough! All because it was in the form of an email, and not a written notarized letter! My current lawyer wrote his email that I had showed them free of charge for me. Obviously if he took the time to write a physical letter and get it notarized, he would've charged me. And I already paid {$600.00} for this dispute. I wasn't about to pay more money.. For what? For them to just say yet again that they needed more information?? Ridiculous!! The court transcripts were plenty of proof, but that wasn't good enough. Seems as though they automatically favored the merchant, as all he stated was, " She agreed to our terms and conditions. '' That was apparently enough for them to deny my claim.. Seriously?? Here I am paying XXXX XXXX freakin dollars for actual court documents, and taking the time to explain everything and point out my proof in the transcripts.. This guy responds with a measly few words, putting no real effort into his rebuttal at all, and they just go in his favor??? XXXX!!! 

I left a bad review on Capital One 's XXXX page. The person running the page claimed they sent my information over to their partner team within Capital One, whatever that means ... Someone called me alright. And as usual, got absolutely nowhere with my blood boiling and precious time wasted. Told me the reason they denied my claim was because the charges are " too old '' ... XXXX. I've been sent several letters regarding my dispute, and they all say it's because they need a " second opinion '', which I've already provided them with. All of the agents I would get on the phone would tell me the same thing as well. And the charges apparently weren't too old back when I filed the claim months ago, or they would've never processed my dispute to begin with. They would've just told me right then and there that the charges were too old to dispute. It's clear that Capital One will come up with anything they can to not do their job when it comes to helping and protecting their customers.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX 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

MULTIPLE HARD INQUIRIES WITHOUT MY PERMISSION AGAIN LETTER SENT TO CREDIT BUREAUS AND THEY STATED THESE INACCURATE INQUIRIES WILL STAY ON MY REPORT XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX and XXXX Ive submitted a previous complaint with VERIFICATION about my inaccurate student loan payment history and not all of that was corrected Im EXAUSTED with the constant back and forth with the bureaus I just want these inaccuracies that are hendering me with no fault of my own CORRECTED
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX certified letter was sent to Experian asking them to provide verification of the following debt reporting on my credit report. Another letter was issued in XX/XX/XXXX stating that the items where in non compliance of the FCRA section 609. On XX/XX/XXXX a phone call was placed to Experian asking where the response letter was and that they by law were non contempt. Representative XXXX from team ( XXXX ) stated that the response was mailed to an address that I did not provide. As of today the items still remain on my credit and the illegal unauthorized distribution of my credit report has put me in a vulnerable position.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I noticed an unusual drop of about 50 points on XXXX  and XXXX. Today on XX/XX/2021 I noticed it dropped again. I believe these recurring errors are due to the algorithymns written with software bugs. When I take an unusually high balance out on my XXXX cards the sytem automatically drops my credit before the billing cycle is completed, instead of waiting to see what my payment is. I always XXXX  out the balances. 
My XXXX cards showed balances adding up to over XXXX but they were both XXXX  out before the scheduled payment date. I have not missed a single mortgage payment on my home that I own for over 4 years. My car lease is always paid on time.
Product: Credit reporting or other personal consumer reports

I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. 

In accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), it is mandated to ensure that consumer reporting agencies conduct their duties with fairness, impartiality, and a respect for my right to privacy. As a consumer, I am entitled to safeguard my private information, as supported by 15 USC 6801, which emphasizes the obligation of financial institutions to uphold customer privacy and confidentiality. 

Pursuant to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies such as XXXX and Experian and XXXX are only permitted to furnish consumer reports with the explicit written instructions of the concerned consumer. However, I have not provided any such consent for them or any furnisher of information to credit agencies to share my information. The Accounts in question are 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 Furthermore, 15 USC 6802 ( b ) ( c ) stipulates that financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without informing the consumer about their right to opt out of such disclosures. However, I have not been given this option by the furnisher of information to credit agencies. 


Moreo

ver, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in consumer reports without authorization. Yet, this account is being reported adversely without my consent, violating the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) mandates that information furnished to consumer reporting agencies must be accurate, while 15 U.S. Code 1681e req
uires consumer reporting agencies to maintain reasonable procedures to prevent violations of FCRA sections and to limit consumer report furnishing to permissible purposes. However, XXXX and Experian and XXXX are not adhering to these standards. 

Lastly, 12 CFR 1016.7 affirms the consumer 's right to opt out at any time. Therefore, I am choosing to exercise my right to opt out of your reporting services.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

XXXXXXXX XXXX XXXX XXXX XXXX  XXXXXXXX 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

Im writing your company because your agency is in major violations i did not give consent to report anything on my consumer report i did not receive a notice in advance and i also know that the consumer controls whats being reported we are going public news with all the consumer laws XXXX has violated from reporting illegal late payments to allowing non licensed secondary agencies to report knowing he secondary agencies XXXX XXXX XXXX and according to 15 USC 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.furthermore, i also know for a fact your reporting illegal on my consumer report 15 USC 6802 a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.Please Delete from my consumer report..