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

We were contacted by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX about unusual activity on " my '' accounts - I never created any accounts. We are now in the process of attempting to work through identity theft. In so doing, upon asking for our credit reports, we found many we NEVER requested or approved : XXXX XXXX XXXX XXXX Trying to contact such entities is 'difficult '. In the latter part of XX/XX/XXXX Credit cards were secured by whoever stole my identity and a balance transfer was in process for {$6200.00}. Thankfully, the security person at XXXX XXXX felt something was wrong and contacted me through my wife 's cell phone number. On XX/XX/XXXX a home loan mortgage was applied for, we do not know where. We found this out by a solicitor mailing us an offer of a loan, beginning with something like " you applied for a home mortgage on XX/XX/XXXX ... '' We do not know how to find out where this application was made. XXXX ( XXXX XXXX XXXX, XXXX ) is the solicitor, we are in the process of formally contacting them in an attempt to find out how they know about the mortgage application and who the application is with.
Product: Credit card

I have an auto loan with Bank of America. I attempted to make a payment on this loan account but included the credit card number instead of the loan number. I found out this credit card had been closed due to inactivity. Bank of America accepted this payment of {$560.00}. I asked them to transfer this payment to the auto loan. They said they could not do that so I paid the loan payment again to the right account and asked them to refund my payment to the credit card. After XXXX  days, XXXX phone calls, transferred to numerous departments all over the country, the final result was they said they could not find the credit card as it had been archived. Therefore there was nothing they could do. I was just out the money. 
I am attaching a copy of my bank statement showing the payment to Bank of America on XX/XX/year>. If they could not find the account, why did they accept the payment? They have no right to keep this money and I am demanding a refund
Product: Debt collection

They are calling upwards of XXXX times a day, often with repeated phone calls occurring within minutes of each other. They are also switching phone numbers every few days, making it very difficult to get them to stop calling. 

In addition this company, despite having called in excess of XXXX times, has never left a single voice mail message. 

Finally, based on the calling pattern and lack of messages, it appears that the company is improperly using automatic dialers ( ie, robo dialing ), which we have never given consent to, putting them in violation of the the XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX. I received Your Apple Card account has been closed. Your Apple Card account has been closed as of XX/XX/ and can no longer be used for purchases because : There was a failure to comply with the terms of the Customer Agreement. 
I reached out in order to get a detailed explanation as to why my card was closed and did not receive any explanation. I was told If you want more details you can check the last email we sent you with the information of your agreement, however, if there is any problem trying to reapply it is handle by the credit bureaus, you can ask more details and help to reapply. You can give them a call whenever you are free and to call XXXX.
Product: Money transfer, virtual currency, or money service

XXXX was a website I used with my XXXX driver account to have access to my funds instantly, if needed. In XXXX of 2018 they had a processing issue which resulted in an overpayment to me on their end. I was not aware of the overpayment, so when the company attempted to draft the " money owed back, '' XX/XX/2018, I called them and requested an option to make payments. This request was denied and I was told that was not an option. I told them I was revoking my authorization for XXXX payments. I placed a stop payment through my bank on the company. They attempted to draft again on XX/XX/18 and again yesterday, XX/XX/18. I used the chat option today to request they remove my banking information and again stated they do not have authorization to draft funds. I was told they will not remove my banking information or stop the draft attempts. I am sending in a written revocation letter to them and my bank today, but it was my understanding that they have to allow multiple payment options and ACH/EFT can not be required as the only means of payment. Furthermore, I was under the impression that if I revoke permission for them to attempt to draft from my account, they are no longer allowed to attempt said drafts.
Product: Credit card

XX/XX/2024, I called to inquire about the only charge on the account. Which was {$5.00}. I was told it was the cost to maintain the account. They allege they notified me of the charge via email and have been billing me since. I did not recieve a notification, and since they allege it was apart of the agreement and essentially is their version of an annual fee but monthly ( {$60.00} ). I did not dispute it and since i did not catch it earlier I figured it was my oversight. 

So, XX/XX/2024 a new card arrived and i went to activate it and noticed the fee has increased from {$5.00} to {$7.00}, along with the already high increase rate which is not clearly labeled on the statement any where. I call and they used the same line, we emailed you of the changes. Which was not the question I asked. I stated i never received any notification in writing regarding the changes. I also restated my question. Why were the fees increased on my account? I confirmed there were no late payments, the payments were above the minimum, etc. The representative stated that i could opt out of the increase which i promptly indicated i wished to opt out of the increase. He then states by opting it essentially closes my account. I explained wanted to opt out of the increase. He transfered me to another rep who stated she was advised i wanted to close my account for which i corrected and stated I wish to opt out of the increase in fees and charges. She places me back on hold and transfers me to anotherassociate. 

I asked if the call was being recorded at which time she could no longer speak to me because i said the call was being recorded. I countered with you all are not listening i asked if you all were recording the call. Her response then was they were not. So, i said to type this in my file. " I am reporting your frauduent and abusive behavior to the FCC. '' Not realizing it was another department that manages complaints. 

I am being taken advantage of as an XXXX XXXX by a financial institution who charges to increase your credit line, monthly maintence fees, and exoribant late fees. 

The increase rate and mainenance fees should remain constant on accounts in good standing.

Aspire Credit Card issued by XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Phone XXXX XXXX XXXX
Product: Debt collection

Harris & Harris makes repeated phone call daily to my cell phone : XXXX phone calls on XX/XX/2017, XXXX phone calls on XX/XX/2017, XXXX phone calls on XX/XX/2017, XXXX phone calls on XX/XX/2017
Product: Credit card

Bank of America alleged I owe {$2300.00} on my credit card. They didn't provide proof. They had the debt charged off. Then after charging the debt off they sold it to debt collectors. I didn't pay. Now somehow they got the alleged debt back and in order to wrongfully, willfully and wantonly keep this debt going past the statute of limitations, they are continuing to report this to the credit reporting agencies. I have no income as I'm not working and not receiving money from SSA, etc.
Product: Credit reporting or other personal consumer reports

I am reaching out to address my concerns regarding the treatment of my private information by XXXX, XXXX XXXX XXXX, XXXX, Experian, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, both identified as consumer reporting agencies under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ). Per 15 USC 6801, financial institutions, including those providing information to credit agencies, are obligated to consistently respect the privacy of their customers and safeguard the confidentiality of nonpublic personal information. I believe that ( Furnisher of information to credit agencies ), classified as a financial institution, falls under this obligation. However, I have not provided written consent for the disclosure of my information to XXXX and Experian, and I wish to make it clear that any prior consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked effective immediately and indefinitely. 
As a consumer, I am entitled to ensure that my personal information is handled with fairness, impartiality, and a commitment to privacy, as mandated by the mentioned section. 
Referring to 15 USC 1681 section 604a ( 2 ), it is specified that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. I have not given written consent for the disclosure of my information to these consumer reporting agencies. I have also been violated by XXXX XXXX XXXX per my report which shows all banking history which is a violation in my banking terms agreement they had made with me. This is a violation of my privacy via the Privacy Act of 1974. 
Additionally, in accordance with 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to non affiliated third parties unless the consumer is informed of their right to exercise the nondisclosure option. I have not been informed of this right by ( Furnisher of information to credit agencies ).

Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in a consumer report without authorization. The reporting of adverse information without my permission is a violation of this provision. 
According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, a person is not allowed to furnish inaccurate information to a consumer reporting agency. Equifax and Experian must ensure the accuracy of the information they receive, and I have reason to believe that inaccuracies exist.

Lastly, in accordance with 12 CFR 1016.7, I am opting out of your reporting services at this time. 
I expect a thorough investigation into these matters and a resolution that ensures compliance with the relevant statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to dispute all negative reports on my credit report. I understand that the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) requires that any information reported about me must be accurate and complete.

I have reviewed my credit report and found several inaccurate and incomplete reports. I am requesting that you investigate and remove these negative reports from my credit report.

I have provided the following information to support my dispute : 1. XXXX XXXX XXXX, this has been paid off and resolved. 
2. Hard Inquiry of TD Auto Finance on XX/XX/2021, there was a double pull on my XXXX Credit Report. 
3. Hard Inquiry of XXXX XXXX XXXX, on XX/XX/2021, there was a double pull on my XXXX Credit Report. 

In accordance with 15 U.S.C. 1681, I am requesting that you investigate my dispute and remove these negative reports from my credit report. Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX pressure that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for the defamation of character. 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 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 XXXX : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 XXXX 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

XX/XX/XXXX to XX/XX/XXXX was moved to back of my loan until XXXX for all those months. On all 3 credit beareas it marks XXXX - XXXX late. It's ruining my credit history when I'm trying to buy a family home. I have written creditor XXXX times. And disputed it on credit and called. It was due to a XXXX I had they moved my payments
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

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.

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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2022, telling them that they are reporting inaccurate information on my credit report and asked them to verify and delete inaccurate information on the accounts I have listed below. I have attached the letter I sent out and here is the tracking XXXX XXXX XXXX XXXX XXXX The Credit Bureaus stated my account was properly investigated but how is that possible if the date last active is inaccurate, and the date last reported is inaccurate.This is grounds for removal. They also violated my rights under 15 USC 1681 States everything has to be 100 % accurate on my report.

15 USC 1681 SECTION 602 A. States I have the right to privacy.

15USC 1681 SECTION 604 A Section 2 States a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

In response to claim number XXXX Nelnet employee ( XXXX ) provided false, deceptive and misleading information regarding the signature because what theyve shown is not my signature nor did they produce any contracts that Binds me to any obligations. Nelnet employees bought the fraudulent created debt from Great Lakes now theyre saying that I as the XXXX XXXX XXXX whos not identified as persons owes them for fraudulent debts that they created. 

Employees at consumer financial protection bureau will be witnesses to the criminality taking place pursuant to 42 United States Code 1986 and to produce evidence they took regarding action for neglect to prevent further fraud from occurring. I have evidence which proves all debts and mortgages are created from fraudulent transactions and activities. 

How much did Nelnet buy debts from Great Lakes for vice versa? Produce the contracts between Nelnet, Greak Lakes, insurance companies, investors, United States Department of Education and the Owners of these Entities? 

Produce the tax documents filed on the alleged debts and reports made to the securities exchange commission along with all securities licenses to create financial documents?
Product: Credit reporting or other personal consumer reports

I was informed by my lender that a collection company has reported a medical debt to the credit bureau which I understand is illegal. Not only is it not my debt, insurance hasn't paid their part, but it was reported to credit bureau after XXXX of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : Last 4 SSN To whom it may concern, I, XXXX XXXX XXXX, never gave ( Equifax, XXXX, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. $ 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose 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 instructions of the consumer to whom it relates. 
As a consumer, I am demanding a deletion of the following account : following inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following unauthorized credit inquiries were made on my credit report by TransUnion and XXXX without my consent. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, no inquiry should be made without consumer authorization. These inquiries were unauthorized, and I request their removal from my credit report. 

TransUnion Unauthorized Inquiries : Date : XX/XX/XXXX Creditor : XXXX XXXX  Date : XX/XX/XXXX Creditor : XXXX AUTO Date : XX/XX/XXXX Creditor : XXXX XXXX Unauthorized Inquiries : Date : XX/XX/XXXX Creditor : XXXX XXXX BANK XXXX Date : XX/XX/XXXX Creditor : XXXX XXXX VIA DEALER These inquiries were made without my authorization, and I am requesting they be removed in compliance with FCRA regulations within XXXX hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX 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 those account 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 XXXX 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 or other personal consumer reports

I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed attached in document
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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/year>