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

I emailed and wrote several letters to XXXX XXXX XXXX XXXX XXXX regarding a late that they are reporting to the credit reporting agency. 
I ask that to proved or remove this late, pursuant to the FCRA. 
They refused to prove such late see attached response from XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report and am a victim of identity theft. Here are the inquiries ; - XXXXXX/XX/XXXX Navy FCU ( XXXX XX/XX/XXXX ) Please have these unauthorized inquiries removed from my credit report.
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. I am a victim of identity theft!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 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! 
Due to XXXX data breach my information was sold, bought and traded illegal, you guys need to be compliance, in my knowledge CRFA state that accounts and collections must be complete verifiable accurate it can not came off of one credit reporting agency and stay in others.
Product: Student loan

Navient took over my loans and has repeatedly guided me to forbear loans and also to do " interest only '' payments.
When I call them, I get people who can barely understand English and they will not transfer me.
I have told them how much I can afford to pay and they wo n't help at all really. They are thieves. They act like they are there to help but clearly are not putting the consumer in mind.
They need to be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act.the following accounts have violated my rights. 
1 ) XXXX XXXX account # XXXX 2 ) XXXX XXXX XXXX account # XXXX 3 ) XXXX XXXX  account # XXXX 4 ) td bank account # XXXX 15 u.s.c 1681 section 602 a. states that i have the right of privacy 15 u.s.c 1681 section 604 a section 2 ; it also states a consumer reporting agency can not furnish a account with my written instructions.

15 u.s.c 166b a creditor may not treat a payment on acredit card account under an open and consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out disputes to transUnion, XXXX  and XXXX  and they haven't replied in 30 days
Product: Debt collection

I had to fill in a wrong reason. I was a victim of a crime which has now passed the statue of limitations for collection the XXXX XXXX XXXX has ignored this and turned me over to a very disreputable company which has many complaints on your site the company is MacDowell and Associates, which are collection Attorneys at work for XXXX. The statue of limitations here in California is XXXX  years that has passed and at XXXX years or a month or XXXX short of that. And researching the company I see they used tactics like getting judgments and the person never knew they were sued that sort of thing since the statue of limitation is being ignored I'd like this company to stop contacting me and never put anything on my credit they never contacted me about the debt and I see they have access my credit report and put on a hard inquiry and of course no lawsuit filed since after XXXX years a lawsuit is not permitted
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has documented XXXX repeated failure to properly investigate consumer disputes, even leading to legal action for violating the FCRA. This continued pattern of noncompliance is unacceptable, and I will not allow my credit profile to suffer due to negligence on your part.

Federal law ( 15 U.S.C. 1681i ) clearly states that Equifax is required to conduct a thorough reinvestigation of disputed information within 30 days. Any item that can not be 100 % verified must be deleted immediately. I demand that these errors be corrected without delay, as they are actively harming my financial standing. Continued noncompliance will not be ignored. 

Company Name : XXXX - Account # : XXXX - Balance : {$460.00} Company Name : XXXX  - Account XXXX : XXXX - Balance : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some creditors on my credit report that aren't mine. Please remove them.
Product: Credit reporting or other personal consumer reports

Subject : Reinsertion of an Item on My Credit Report I am reaching out to officially request the reinsertion of a specific item that was previously removed from my credit report under File # XXXX. The reinvestigation results dated XX/XX/year> indicate that the disputed item is currently not appearing on my Equifax credit file. The item in question relates to XXXX, account number XXXX. 

I have sent multiple letters regarding this matter, but Equifax has not acknowledged my communications and has left the item on my credit report. 

Thank you for your attention to this issue. I appreciate your prompt response.
Product: Credit reporting

I 'm disputing verification of Chapter XXXX Bankruptcy, I 'm informed that the credit bureau 's were reporting a bankruptcy and that the courts do not verify a bankruptcy and therefore they pulled that from a third-party reporting agency therefore it must be removed/deleted from all XXXX credit bureau 's, XXXX, XXXX, Experian.
Product: Debt collection

I have never engaged with your company for any request of credit, services or for anything else. I dont know who you people are. 

On XX/XX/2019, I wrote a 2nd letter to your office regarding debt collection letters I was being sent for an account that I have no knowledge of. 

You were asked to submit to me the note, signed contract, application of the referenced account or something similar. Instead, I received a few pages of a credit card statement that simply had summary of totals with my name included. You further explained that you had purchased the credit card debt from XXXX XXXX XXXX  after a charge off that had occurred in that letter response. 

I reiterated to you, your company has not provided verifiable proof, as required by Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), receipts of charges with my signature, contracts with my signatures, etc. - that the debt they say I owed is actual mine, other than printing a few statement pages. The account could be a fraudulent account, having fraudulent charges, etc. ; thus, the totality of those charges and the account itself is being disputed. 

I do not agree that your company can simply use any documentation given from the creditor that sold you the credit card account to you ( at pennies on the dollar I am assuming ) and then turn around and use that limited information as your bases to file a lawsuit against me over state lines to collect whatever was stated on those papers. 

I am under financial distress. I have exhausted any available cash/credit to continued payments to any creditors that might be demanding payments on debts they say I owe because of a series of recent catastrophic events that have set me back. 

I am currently the primary support person in my mothers XXXX care treatment. I was forced to reduce my hours at my day job and eventually had to quit altogether due to the number of absences I needed to take so I could take care of my mother. This catastrophic event impacted all our family members finances including mine since our mother was uninsured for medical XXXX care. 

Additionally, I am paying for my own personal deteriorating health care and living expenses by seeking the help of others and selling personal property of mine for day to day survival needs - since I am currently unemployed. 

As a result, I have not been able to save any extra money for a bankruptcy lawyer to help me file for bankruptcy protection ; however, I will continue to look for work to raise enough money to start a bankruptcy petition in mid-2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed.

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit re port I have balance of over {$6000.00}, that I owe to credit cards. It's incorrect. The only balance I have it's on my XXXX XXXX card and it's over {$800.00} and it will be paid by the due date The delinquency problem with XXXX XXXX was created by XXXX XXXX. Since last XXXX I had unpaid balance on XXXX XXXX card for {$42.00}. All statements XXXX XXXX were sent to the wrong address. I live at the same address for over 30 years and never moved nor applied for change of an address. Not once XXXX XXXX  contacted me by phone or email to inform about the problem with my address. The balance were paid off and yet it's in my data. I totally oppose to have as delinquency, because of XXXX XXXX irresponsible actions. 
My monthly income amount shown in my report also incorrect. 
There XXXX addresses in my credit report and 2of them are incorrect. 
I never lived at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX. That's a commercial address for XXXX XXXX. 
The address for on XXXX XXXX is incorrect. The correct address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX. That's the address, where my mother used to live and was a co-owner. Last XXXX my mother passed away and that apartment will be sold.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting Bureau XXXX is reporting an unauthorized account on my report that has been proven by the collection company that they do not service the account after it was disputed.
Product: Vehicle loan or lease

When i first talked to the dealership, i was mislead by the salesman about everything, from the payment to the interest rate and the price. He didnt go over any of the paperwork nor did he give me a copy of them. The vehicle was only worth {$1800.00}. Per book value but they charged me over {$6000.00} for it and it also had over XXXX XXXX miles on it. I have jad to replace multiple parts and now the engine is blown in it as well as transmission issues. I am on a small income and now cant afford to get it fixed. So now i have a vehicle that i have to pay for and cant even use or move. I need my vehicle.
Product: Mortgage

We have a complaint against Nationstar Mortgage. There was no willingness to work things out for us, in order to help us! We have tried so many times to modify with them, so we could keep our home, which we love, and have taken such good care of for over 18 years! They instead raised the price of our mortgage, instead of reducing it! They Never had intentions to help us homeowners! We know other banks who have helped other homeowners to modify and keep their homes, Nationstar is not one of those, they are not interested in helping others!
Product: Credit card or prepaid card

I had used CHASE British Airways Credit Card. They charge me {$95.00} Annual fee, and in return Give me XXXX XXXX XXXX for XXXX XXXX XXXX XXXX and XXXX XXXX point for other purchases My complaint is about the XX/XX/2022 thru XX/XX/2022 statement. 

I spent the following on XXXX XXXX XXXX  purchases following XX/XX/2022 {$1900.00} XX/XX/2022 {$2100.00} XX/XX/2022 {$1800.00} XX/XX/2022 {$63.00} Total : {$5900.00} I cancelled one XXXX  ticket purchase and thus refunded, the following XX/XX/2022 - {$2100.00} The Net purchases of tickets on XXXX XXXX  {$5900.00} minus {$2100.00}, = {$3800.00} Total XXXX points for XXXX XXXX Purchases XXXX XXXX = XXXX Total XXXX  points for general purchases during statement period is XXXX Total XXXX  points which should be awarded after during statement period should be XXXX plus XXXX = XXXX However, Total XXXX Points awarded was only XXXX I have sent several messages to the Chase Credit Card and they are giving vague answers and not correcting by transferring the additional XXXX XXXX points into my British Airways account to correct the error Please get it fixed so that I can purchase tickets using these XXXX  points Even their statement states that I earned XXXX points, but they only transfered XXXX points XXXX XXXX
Product: Credit card

I opened a secured card with Capital One, with the benefit of knowing my credit line would increase after 5 months as stated on their website. I made my 5 payments. One payment was late, they reversed the late fee which made me believe the late payment was forgiven and should not be held against me. In XXXX or XXXX I submitted a payment on my due date, but Capital One did not process it until the next day. I met my obligation by making the payment on the due date Capital One chose not to accept it then and therefore making me ineligible for the credit line increase. Upon inquiring about the 5 monthly payments and credit increase I was told my account did not qualify because of the payments. Had the only late payment been in XXXX ( which had the late payment fee reversed ) my account would qualify for the credit line increase in 10 months not 5. This was never told to me or explained. Even the representatives with Capital One had to do research to provide explanation. Now I am stuck with a card that will not receive credit line increase because as stated in Capital One letter secured cards do not qualify for an unsecured credit line increase. This is like a bait and switch. Had these policies been explained in the beginning or even after the first payment this situation would be much different.
Product: Checking or savings account

I got charged XXXX $ / month monthly fee from bank of america just because my employer set up direct deposit as a direct transfer rather than some way employers set up direct deposit transfers. It's completely out of my control how my employer sets up the transfers, and from my end I met the conditions required for {$250.00} or more per month. actually XXXX per month, and still i got charged XXXX $ /month fee. When I called them for a refund and to verify everythig, they said the funds are good but since it was a direct transfer from my employer, they cant refund the XXXX $ fee, so I had to close the account, I still think I was cheated and want to formally file a complaint against how I was wronged. I do desrve a refund and this will be the right thing to do on their behalf else no one else is ever gon na trust banking institutions, especially after being a long time customer for 12 years, if this is the way they treat their customers, they are just going downhill and don't appreciate customer loyalty at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX ; XXXX 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: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by XXXX as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a XXXX XXXX XXXX is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXX XXXX XXXX & XXXX XXXX XXXXXXXX.
Product: Mortgage

Since the coronavirus lock-down ( XX/XX/2020 in California ), I have written 3 secured email messages from the Penfed website over the last 4 months. All received an auto-reply stating that they received the message and would reply ... however, they never replied. I tried calling the company several times ; every time I was placed on hold for over 15 minutes, with instructions to contact them via secure message,,, which, of course, never worked, since I never received a reply. Today, XX/XX/2020, I stayed on hold for around 30 minutes,,, I finally reached someone, who then placed me on hold again, presumably to wait for another agent, but that agent never arrived, and eventually I was disconnected.
Product: Credit reporting or other personal consumer reports

There are unauthorized hard inquires from XXXX XXXX I did not apply for these credit cards and I called Experian on XX/XX/XXXX to file a dispute, but they ignore my complaint and the hard inquires remain.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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: Money transfer, virtual currency, or money service

Got an email this morning from remilty which I never opened an account they tried several times to collect XXXX $ from my account I already had my back cancel my card, the merchant was XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX their bank XXXX  currency is XXXX, Was canceled for XXXX please I can not have this happen anymore please get them
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I just lost my XXXX job and I am right now struggle to pay back of what I own. I have talked to them several time to make the agreement to lower the payments. But however, they had refused to find the solutions or working with other way. They kept the same way by paying the interest of the loans. I have explain to them several time that I can not pay full amount.
Product: Credit card

I opened a Target store card on XX/XX/XXXX. I then entered a payment plan I believe a few months later in either XXXX or XXXX. I had lost employment due to XXXX, was in grad school, was single and had a mortgage so needed a payment plan. I had automatic monthly payments come directly out of my checking account. I received paper bills. I did not worry about them as I had automatic monthly withdrawal. I got a final bill for {$20.00} or {$22.00} dollars. I did not think anything of it as I had automatic payments. A couple months later I see on my credit report that Target reported the {$20.00} or {$22.00} dollars. Thinking it must have been a mistake I call Target. The customer service representatives were quite unempathetic and said the automatic payment ended. I asked why? And they said thats how the plan was. I also asked why unlike other creditors did I not receive a email, text or phone call about the remaining $ XXXX which I could have easily taken care of on the phone. They said that they do not do this. I closed my account after paying balance not knowing the impact on my credit. I would like the late payment to be taken off my report as I wasnt notified in any manner about the fact that the automatic payments had ended and was not given any chance to pay the XXXX dollars. Since this has occurred I have not shopped at Target as I was already in a vulnerable situation and this could have easily been resolved prior to the account being reported.
Product: Vehicle loan or lease

Wells Fargo Dealer Services charged me for auto insurance even though I had auto insurance.