23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX XXXX XXXXXXXXDEPT OF ED # XXXX, XXXX XXXX XXXXXXXXDEPT OF ED # XXXX, XXXX XXXX XXXXXXXXDEPT OF ED # XXXX, XXXX XXXX, # XXXX, XXXXDEPT OF ED # XXXX, XXXXDEPT OF ED # XXXX, XXXXDEPT OF ED # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  XXXX # XXXX, XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXK # XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX  XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, have 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 or other personal consumer reports

I request the immediate removal of these unauthorized inquiries from my credit report, as they are negatively impacting my ability to obtain loans and secure credit. Additionally, I kindly ask that you provide documentation or confirmation once this matter has been resolved. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I dispute the accuracy of this account. I want to cease and desist because Southwest Credit Systems, L.P. is not authorized to collect any debt in XXXX. Theyre not registered to do business in the state of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXXXXXX XXXX XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous complaint & I am including it again., 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$7500.00} According
Product: Payday loan, title loan, or personal loan

BEWARE of banking with BBVA Compass!!! Inefficient processes and lack of follow through by staff leads to poor service and financial harm. To whom it may concern, it is with great frustration and disappointment that I bring this complaint to you regarding unfair treatment, inefficient policies that have caused financial harm to me by BBVA Compass. Due to incompetencies in their systems and operations, my financial credit has been hurt by their unfair report to the credit bureaus. 

Prior to this incident, I have been a faithful customer at BBVA Compass for over 3 years and have multiple business lines with them. On XX/XX/2019, I met with representative at the BBVA Compass branch on XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, TX XXXX branch to take out a business loan for a purchase. He recommended a combination of products in other to get to the amount needed. During the loan application, I asked XXXX to help me setup all the loans on auto draft so that all the payments due would be drafted from a business checking account I have with them. 

The problems started several weeks later when I found out the payments had not been setup on auto draft as requested and I was getting charged late fees. I had a business checking account with BBVA where I wanted the funds to be drafted from and the account had enough to cover all the payments. I reached out over 6 times, went into three different branches, met with a branch manager and no one could figure out how to setup the payments from this particular loan. 

Finally I was able to meet with a business banker who was able to help me resolve the payment issues. However by this point, the damage was done. BBVA Compass had reported deliquencies to the credit bureaus damaging my credit even though I had accounts with them with enough balance to cover the payment and I had made many attempts to make the payment. I was also charged several late fees and I was able able to get a refund on some of the late fees. However my credit has been tainted. 

I've been to two branches to discuss how to resolve the issue with the credit report. I was supposed to have a branch manager and then client care follow up with me and its been over a week and no call from either party.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the week Of XX/XX/XXXX, I contacted the Transunion credit reporting about an error they made in my credit report. Im XXXX of this year my credit report was at a XXXX. In XXXX I saw my credit report drop to a XXXX. What was reflected in the report was that I had a 2 month late car loan payment in XXXX. My confusion was compounded not only by the fact that that very same car loan was paid off, in the same month of the late car payment in that same year but that was not reflected throughout the entire year of XXXX until XXXX of this year. And when I contacted a representative of Transunion via phone, I was assured the matter would be addressed. However there has not been any change. This brings me to the unethical credit reporting practices of XXXX and how they targeted XXXX and made false credit reports negatively impacting XXXX  chances of personal, home and auto loans. This something that I hope to be resolved as quickly as it was damaged. Thank you.
Product: Debt collection

I am receiving mailed correspondence for a debt I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

IM WRITING IN REGARDS TO THESE UNKNOWN ACCOUNTS REPORTING TO MY CONSUMER REPORT, I HAVE SENT A DISPUTE 30 DAYS AGO TO NO AVAIL AND IVE SENT IT CERTIFIED AS WELL WITH A RETURN SLIP DELETE ALL ACCOUNTS DISPUTED BELOW
Product: Mortgage

XXXX XXXX XXXXMr.Cooper Acct # XXXX Is reporting inaccurate information. we were not late we paid as agreed the company is falsifying information on credit report I reached out to them and they advised on XXXX their is nothing they can do. They have turned my account over to their sister company rushmore servicing. They are causing pain and suffering on my credit score it has not recovered. Again if they are doing this to me as just on customer they are doing this to others. I am more than happy to reach out to other consumers who has having/had issues with this service provider. We have paid and made proper modifications to our loan. Due to Mr.cooper kicking the can down the road for the loan modification and telling us we wont be able to qualify for any other help with just 1 late payment. They extended our loan out 9more years and they are in accurately reporting information on my credit. Under the Fair Credit Reporting Act, I request that you investigate these discrepancies and correct any inaccuracies in my credit report. Please complete your investigation within the statutory timeframe and send me a written confirmation of the results. Account was Paid as agreed PAANL
Product: Credit reporting or other personal consumer reports

I have been a client of XXXX XXXX XXXX for several years with an excellent on-time payment history. However, after analyzing my credit report I have noticed XXXX late payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I send all payments promptly, but I'm unsure why the payments were not recorded by the due date. I tried to resolve the issue with the company but they refused to help me as a consumer I feel that my rights were violated.

15 U.S. Code 1666b - Timing of payments ( 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 XXXX XXXX before the payment due date. 
In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered XXXX XXXX before the payment due date please provide the proof that this information was mailed out or delivered XXXX XXXX before the statement date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have XXXX XXXX to send me all the required information.
Product: Student loan

I took out loans with Sallie Mae and had issues paying off and it went to collections. 
The debt collector has not gotten in contact with me and I'm not sure which agency my debt went to. When I called Sallie Mae they said they had a program where I can repay my loans but when I asked to be able to see my loans or something to help navigate visually what I'm paying off nothing happened. I was told I would be emailed my loan information but nothing has been sent. Its concerning for me because I would like to get my debt paid to fix my credit score but I have no paper trail or physical location to go to, to see how much of my debt I have left or how I can put payment to pay off. The only place I see the debt is on my credit report but other than nothing else
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 me 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 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 XXXX 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: Debt collection

Hello, my issue with myfedloan.org is that once my forbearance expired, I was not notified that my recent application for annual forbearance was declined. I was not able to access my online account and was told that the reason was that my name was spelled incorrectly on a tax document that myfedloan used to identify me. Because of this problem, It was unbeknownst to me that I was 90 days late, and my credit was deeply impacted. I have paid myfedloan account to current and have asked them to correct the late payment, but they told me that they could not.     I have worked many years to create a positiv e credit score, a nd now it is demolished because of this issue that could have been easily remedied if I had access to my online account.     Any help is greatly appreciated. Thank you.     -  XXXX   XXXX
Product: Credit card

Chase Card Services showed XXXX purchases I did not make. They removed the charges for the XXXX transaction at XXXX but refused to remove the other charges from XXXX. XXXX is also dated XXXX, the same date as the XXXX fraudulent purchase they removed. These items were scheduled for store pickup at stores far from me, which I did not do, and they will not be able to produce my signature on any pickup document they have. I purchased an electric razor at the XXXX XXXX XXXX XXXX, XXXX NY store on XX/XX/year>. The employee there informed me he made a mistake on the first receipt, which he kept, and he gave me a duplicate receipt for the shaver. The fraudulent purchases done on XXXX were sent to their Sunrise, XXXX XXXX NY and their XXXX NY stores, where someone picked up the merchandise. The pickup slips attached show me as an Additional Pickup Person. I informed Chase of this and they still refuse to remove the fraudulent charges. I opened a police report with the XXXX XXXXXXXX XXXX  XXXX NY with number XXXX. I gave them the evident I have, as has been stated here, and they are conduction an investigation into the credit card fraud I have reported.
Product: Credit card or prepaid card

{$3400.00} charged to my XXXX XXXX Citibank card by XXXX who then suddenly closed business and absconded with everyone 's money starting around XX/XX/XXXX with a notice on the website that no refunds would be given and this was for a trip we were scheduled to take on XX/XX/XXXX. I opened a dispute with Citibank for this and was initially denied based on XXXX saying they provided a refund although this was clearly not true as they were able to access my account showing no refund. I then filed additional claim which they re-opened and I was told it would be resolved by XX/XX/XXXX, it has still not been resolved and now says it is pending again until XX/XX/XXXX.
Product: Vehicle loan or lease

Over two years ago, my vehicle was totaled and my full coverage insurance did not cover the remaining balance of the car loan. Then, because the car was still driveable and in overall good condition ( only the front bumper was messed up and the air bags deployed ) the loan company gave me the option to either hand over the car or pay off the remaining balance of {$1600.00}. Two years later, I am receiving harassing phone calls and visits to various addresses that were never provided to this collector. This collector has called my job multiple times and threatened my with arrest. He said that he will visit my house with a sheriff if I do not comply. Note that I have not heard from this loan company in over the years. Also, I called this man back about two weeks ago to try and figure out what was going on, and he told me he sent a letter in the mail explaining everything. I then told him I would read the letter when it came in and take whatever action I needed to solve the issue. However, I never received any letter yet the harassing phone calls have not stopped even though I told the man I wasnt paying any money until I read a physical letter because I believed the situation to be solved years ago when I handed over the vehicle.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 


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 reporting or other personal consumer reports

Bankruptcy is not public record. I have proof by the bankruptcy court. 
Collections I was aXX/XX/XXXXI provided proof with police reports never removed. 
XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$1800.00} XX/XX/XXXX{$670.00} Several inquiries & Hard inquiries
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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 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 or prepaid card

On XX/XX/XXXX, Bank of America sent me a letter informing of their decision to close my credit card. 

They listed reasons that did not apply to my account, my relationship with the bank and an inaccurate credit score. 

I was very concerned, as this is the second credit card closed by Bank of America. The previous closure did not provide a letter indicating the reason for closure.

I spoke with withe 5 different Card Services agents over the course of 30+ days and communicated with them via XXXX. 

Although the last person I spoke with, XXXX, agreed that the reasons listed in the letter did not apply to me, based on their review of my credit report, My accounts remain closed. 

A letter from Bank of America dated XX/XX/XXXX simply stated that we accurately reported to the consumer credit reporting agencies. At this time we consider your dispute closed. 

Curiously, my problems began when I retired.
Product: Credit reporting, credit repair services, or other personal consumer reports

No contract Section 604 ( a ) ( 2 ) allows CRAs to furnish consumer reports in accord with the written instructions of the consumer to whom it relates. Late payment reported Negatively impacted Issue not resolved after multi attempts Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Gap a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. ( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers. ( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. ( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce. ( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. Please review I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( m 281 SW 715,719, I presume that no proof of the alleged! debt, nor therefore any such debt, in fact therefor exists.
Product: Debt collection

XXXX sent a notice to IC Systems to collect payment from me. IC Systems notified me that they will have to report to consumer report on XX/XX/20. The date of call was XX/XX/20. I explained to IC Systems that I never had active service with XXXX and I asked them to look at the system as this is easy to verify. IC Systems verified with me that I used 0 mins, 0 gb of data, and 0 inbound/outbound, from the creation of this account. I was sent 2 sims that never worked back in XXXX, the day after I received the sims, I contacted XXXX to let me know that the service didnt work in my area. I was told on that day that I would receive a {$0.00} balance on this account and it would be closed because I never actually used the service. Now 2 months later Im being threatened and seemingly pressured into paying for something I obviously never used. I will attach pictures with this complaint. Please notice the dates as XXXX seemingly has a policy in place to create unfair billing practices. They obviously dont abide by their own dispute policy as well.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concerns regarding the data breach that Equifax experienced, which has had widespread implications for consumers, including myself. This incident not only represents a significant failure in safeguarding sensitive personal information but also exposes the company to legal ramifications under various consumer protection laws. 
As you are aware, the breach disclosed personal data of XXXX  of consumers, violating the trust placed in Equifax for protecting that information. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable statutes to formally request the following actions :