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 XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX # XXXX has violated my rights, XXXX XXXX # XXXX has violated my rights, XXXX XXXX # XXXX has violated my rights, XXXX XXXX # XXXX has violated my rights, XXXX XXXX XXXX # XXXX has violated my rights, XXXX 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 an 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 or 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

Recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I am writing to request the removal of the unauthorized credit inquiries on my credit report listed below. My latest credit report shows a number of hard inquiries that I did not authorize. This information is inaccurate and needs to be removed immediately!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 accounts 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 to be removed/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.

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

XXXX  on my credit reports show a balance of {$420.00} but is is not zero and has not been updated since XX/XX/22.
Product: Debt collection

I have called Conn 's to tell them am temporary laid off due to the conoviris and let them know that I cant make the payment .and the rep I spoke to was very rude and used fowl foul language and what my credit card number and I told them I wont give that infomation because I didnt one time before and the they take money out of my account without my authorization makes me think that these people dont work for the company since they supposed say thier named and all they want to do was agree and fight with him and asking me personal question about my finances which is no of thier business and told me that the need money for thier family and called sob .this not right. This not the way to business plus I had a tv stolen and they refource to replace after we give them the police department. And won't lower our payment because we dont have the tv.not a way to do business. And get better customer service reps.and they I never agreed to make double payment and claim that we behind which are not. Am tried them not working with me and keep messing up my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my Experian credit report that is to old and should be removed from my credit report. This account is affecting my credit. Please help. The account in question is from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I sent XXXX disputes to Experian asking them to provide physical verification of XXXX accounts ( XXXX of Michigan, and XXXX XXXX ) that were unverified, Each time they sent back an email stating that each account was verified without providing proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this tem is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please delete this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

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

XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX It is your responsibility to ensure that creditors demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing my consumer credit report, or any one elses.
Product: Debt collection

A debt recovery agency has continuously called by home inquiring about a XXXX XXXX. This person does n't reside in my household and I 've been at my residence since 2008 ( moved from another zip code which dictated receiving a new phone number ).
Product: Credit reporting or other personal consumer reports

i noticed fraudulent inquires on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX Woodgate Circle Sunrise, FL XXXX XX/XX/XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NV XXXX Re : Formal Dispute of Alleged Debt Demand for Immediate Removal To Whom It May Concern, This letter serves as a formal dispute of the collection account you claim is associated with me. On XX/XX/XXXX, I contacted your office requesting proof of this alleged debt. To date, you have failed to provide the necessary legal documentation required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). According to federal law, you are required to cease all collection activity, including credit reporting, until proper validation has been provided. 

To comply with the law, you must produce legal documentation proving your authority to collect this debt, including : A chain of custody or assignment of the debt from the original creditor to your company ; Any signed contracts or agreements between myself and the original creditor ; Proof that the amount you claim is accurate and valid.

Your failure to provide these documents strongly suggests that this debt may have been improperly or illegally assigned to your company.

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), you are required to ensure that all information furnished to credit reporting agencies is accurate, complete, and verifiable. Reporting unverifiable or erroneous information is a direct violation of federal law.

If this account is not immediately removed from my credit report, and if you fail to provide the requested legal documentation within 15 days, I will take legal action. This includes seeking damages of {$1000.00} per violation under FDCPA 1692k, compensation for harm caused to my creditworthiness, and attorneys fees. Additionally, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Florida Attorney Generals Office.

This letter serves as my final notice. I expect a full resolution of this matter and written confirmation of the removal of this collection account from my credit report within the specified timeframe. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX AUTO XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX CARD XX/XX/year> XXXX CARD XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX SSN XXXX XXXX XXXX I had an account with XXXX ( XXXX XXXX XXXX ) that was reported delinquent on XX/XX/XXXX. 
The account switched hands to a third party collection agency XXXX account in XX/XX/XXXX. 

The account still shows negatively on my XXXX, Experian, and XXXX Accounts. 
The limit posted by the CFPB for reporting delinquencies, and lates is 7 years.

Please help to remove and expunge this debt immediately. 


Thanks so much! 

XXXX XXXX
Product: Student loan

XXXX  I requested a call back from my student loan servicer EdFinancial. I got a call back from a representative XXXX and I advised that I wanted to get on the SAVE plan. She tried to steer me away and get me on the standard plan instead. She then put me on hold after verifying my income and dependents and then confirmed that I was eligible for the SAVE plan with {$0.00} payment. She said she processed it and I would be on the SAVE plan with {$0.00} payment. However, my account still shows in on the IBR payment plan with {$420.00} payment. I would like to have my student loans on the SAVE plan with {$0.00} payment as discussed and if interests are being accumulated, then servicer will waive interest or pay for it.
Product: Student loan

My accounts are being reported as in deferment but they are not. The balances and the last payment is also not showing up. This is delaying my ability to close on a loan and I need the accurate account status to reflect my credit report as soon as possible.
Product: Debt collection

Credit Control Corporation, a third party debt collection agency, purchased my alleged debt from XXXX XXXX Hospital for {$2700.00}. Credit Control corporation additionally placed a collection on my consumer report without permissible purpose or consent. Credit Control Corporation also obtained my medical records and social security number without my consent or permission. Credit Control Corporation continues to harass my self, friends, and family members weekly via phone calls. Credit Control Corporation is in violation of the following Federal Laws : 15 USC 1681 - Right to Privacy 15 USC 1681d - Disclosure of Investigative Consumer Report 15 USC 1692 - Any Debt collector Shall not state that an Consumer owes any debt EACH VIOLATION IS {$1000.00} In regards to a follow up response from the complaint ( XXXX ) I initially submitted on XX/XX/2022, The response is entirely false, untrue, & incorrect. It says in very clear English that Credit Control Corporation collects debt. I followed through with extensive research & minor legal action that your statements were 100 % false. Your company has violated my HIPPA rights along with the following US Codes - Consumer law ; 15 USC 1681 - Right to Privacy 15 USC 1681d - Disclosure of Investigative Consumer Report 15 USC 1692. 

Each violation is {$1000.00} I look forward to a prompt response. 
Thank you,
Product: Student loan

GC Services is handling my defaulted student loan. They will not come up with a repayment plan without asking me for detailed financial information, to include my most recent pay stubs and tax returns. They were talking about wage garnishment or a monthly payment in excess of XXXX-XXXX dollars for something called a Loan Rehabilitation. Their phone calls are non-stop and from several different telephone numbers. 
I want nothing more than to get this back on track as it is killing my credit rating. I am sufferning over this but really want to settle on a reasonable monthly payment, not what feels like a car payment. 
I have XXXX young children and many expenses, including a mortgage that is nearly XXXX dollars a month. The monthly payment I had before this went to GC would be affordable now. I wish there was a way to agree on a reasonable payment without handing over all of my financial information.
Product: Credit reporting or other personal consumer reports

I have file a disputes with Experian none of my disputes with Experian got remove from my credit reporting the company is furnish incorrect information on my credit report this is a violation of 15u.s.c1681 S-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. also the company violated 15 usc 1681 eb ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The company violated ( FDCPA ) 15 u.s.c.1692e8 .8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
Product: Checking or savings account

I have close to XXXX XXXX which was my available balance on XXXX XXXX. On that day I made a payment online for the amount of {$1500.00} to my landlord which reduce my available balance to {$250.00}. On monday XX/XX/2024, XXXX XXXX  creditcard payment were autodata which reduce my balance to {$25.00}. I made an emergency cash withdrawal on XXXX XXXX XXXX for {$1000.00} which put my balance for neg - {$970.00}. The next day I made a cash deposit of {$1700.00} XXXX into my account. Then on Wed XXXX XXXX they sent me notice that they charged me an overdraft fee of {$35.00} for the {$1500.00} I made to my landlord. Not only that they charged me {$35.00} for the neg balance withdrawal and additional over draft fee of {$35.00} for each of the XXXX XXXX transaction that went through. I called to complained and they agree to take the {$35.00} charged off The matter that get on my nerve is this is a continuous process I have to go through with Wellsfargo. They kept finding loopholes to charge me money and I have to keep calling repeatedly to fight them and get my money back.
Product: Vehicle loan or lease

I leased a vehicle through Mercedes Benz Financial on XX/XX/2019 with an initial balance of {$62000.00}. I was making regular payments on it, but my ex-husband left me, and I lost 50 % of my income. I could no longer afford the vehicle, so instead of just not making payments or waiting for it to be repossessed, I voluntarily surrendered it. I knew this would negatively impact my credit score, but I thought it was the most ethical thing to do. I returned the vehicle in mint condition on XX/XX/2019, and I had only had it for 4 months. Mercedes Benz Financial quickly sold the vehicle, but they began sending me letters to pay the full lease balance with penalties. They started harassing me, calling me late at night, and early in the morning. They were sending letters to my job as well as my house. Whenever I would block the number, they would come up with another number, and I just keep having to block them. Currently, I have over 65 blocked numbers from them, and it just keeps going and going. This routinely disrupts meetings, my sleep, and other important events. I work two full-time jobs and often work overnight, so I am typically sleeping when they call. This wakes me up, and I can not go back to sleep. It has become overwhelming and oppressive. 

I have contacted MB Financial and have filed multiple disputes through the credit reporting agencies, but they always aggressively respond that the balance is valid. This is not correct because I voluntarily surrendered the vehicle, and according to the lease terms, they were supposed to apply the money they received from the sale of the vehicle to the balance based on current market value. Instead, they charged me for the full remaining payments on the lease plus penalty. They did not apply any money from the sale of the vehicle. This is really hurting my credit, and I have no options at this point other than filing a complaint through your agency. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

placed freeze on my credit report some time ago. for the last couple of months, i have been trying to release the freeze. i have went online to experian website and i have called them. There automated system does not give you the option to release a freeze even though the website indicates that you can release a freeze by calling. it only gives you the option to place a freeze. the website does not allow me to release the freeze because they have incorrectly input my address information. I have reported this issue before and right after cfpb addresses it with experian, they put my address back to my old address. Nothing but liars and crooks in Texas. I want them to release the freeze on my experian credit and to put my personal information as it should be. i should not have to further compromise myself by sending the copies of social security cards and id in the mail. I have police reports of mail being stolen. why would i send them sensitive information like that and they don't send it back. 
Who know what they do with the information. If they would put my information back to what it should be, this would probably not be an issue. They have even previously sent me credit reports showing that they put it back and them they turn around and put my old address as my current address. I live in XXXX. Not XXXX XXXX. If they have falsified my information, i would like it corrected and them to stop changing it so that i can't access my own account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Misleading and inaccurate information or accounts appeared from my credit report also unauthorized inquiries from unknown sources.
Product: Credit reporting or other personal consumer reports

In early XX/XX/XXXX I was informed that my information in LexisNexis databases include the indication " PEP '' ( politically exposed person ). This information potentially affects my business liasons and is incorrect. 

I have been elected as a deputy of Legislative Assembly of XXXX XXXX XXXX XXXX XXXX XXXX in XXXX for a five-year term. 
According to Part 2 Article 3 of the Law of the XXXX XXXX dated XXXX On status of the deputy of Legislative Assembly of XXXX XXXX the term of the powers of a deputy begins on the day of election and ends on the day the the new convocation of the Legislative Assembly of XXXX XXXX. 
Therefore I ceased to be a politically exposed person in XXXX, and have not been involved in any other matters which could qualify me as a political individual then and ever since. In other words, I have not been a politically exposed person for almost ten years, and shall not be classified as such. 

I informed LexisNexis of these facts and requested removal of my PEP status via e-mails and filing of the online forms on LN website ( case XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX ), all in vain. To my requests I attached the following documents : passport scan ( for identification ), french residence permit and utility bill ( confurms my address ), legal opinion of XXXX XXXX XXXX XXXX XXXX XXXX ( which confirms the fact that according to the XXXXXXXX XXXX I ceased to be a PEP almost 10 years ago ). 

In the automated replies received from LexisNexis the latter requests the following : " In response to your most recent email received on XX/XX/XXXX, we ask that you contact the LexisNexis Consumer Center at XXXX between the hours of XXXXXXXX XXXX and XXXX XXXX EST, Monday through Friday, and a representative will be happy to assist you. '' I tried to contact LN via phone, but no representative answered. The only answer was a robot requesting a social security number, which I do not have ( for I am not a XXXX XXXX  ). 

To my knowledge my PEP status in LexisNexis databases is still the same. And as a result ( bearing in mind current international political situation ) my business reputation and reputation of my relatives suffers. 

Please assist me in removal of the incorrect information about PEP status od XXXX XXXX from LexisNexis databases.
Product: Credit reporting or other personal consumer reports

On the date of XX/XX/year> my credit was ran by unknown sources without permission XXXX Credit acceptance XXXX. XXXX XXXX XXXX I am a constant victim of fraud lost all identification before incarceration time