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

This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with XXXX plus days of no response.
Product: Credit reporting or other personal consumer reports

These collections were illegally obtained in my name and nonetheless inaccurate and illegal. I have already disputed these items. Please remove these collections and inquiries listed below as soon as possible. 

XXXX XXXX {$3300.00} XX/XX/XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX XXXX  {$690.00} XX/XX/XXXX XXXXXXXX XXXX XXXX  {$590.00} XX/XX/XXXX XXXX XXXX  {$4900.00} XX/XX/XXXX XXXX XXXX {$840.00} XX/XX/XXXX 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written several letters to XXXX, XXXX and equifax to resolve this matter, and have not been notified.

Under 15 USC 1666 ( B ), there has been a violation under 15 USC 1681 ( B ) my rights have been violated.

Under these laws, my consumer rights have been violated XXXX XXXX XXXX XXXX XXXX acct XXXX
Product: Credit reporting or other personal consumer reports

I'm trying to buy a house and I've realized that I have damages on my credit report. According to the 15 U.S.C 1681 law, there shouldn't be any damages on my report. It's a defamation to me character
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX  # XXXX - XXXX XXXX XXXX  # XXXX - XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, Venmo sent me an email saying the following : " Weve noticed some unusual activity linked to your Venmo account which may be in violation of our user agreement. To help us protect your account, your account has been suspended until we hear back from you. You may have also received a separate email providing more information about the suspension of your account. To resolve this issue, please submit a picture of your photo identification via our Document Upload Form, linked below. For your privacy and security, please do not reply back to this email with your documents. " I would like to note I rarely use Venmo, only to pay back friends after Dinner or family during vacations to split bills. 

Even though they should have already had my ID and information I went ahead and sent them my ID. I waited and never got a response so on XX/XX/XXXX I sent an email to their support address to ask on the status. This was their response : " Thank you for contacting us. 

Weve had a chance to review your account, and it appears your case requires additional attention from another team. I will forward your case to them, and they will reach out to you via email as soon as possible. Thank you for understanding! 

Best regards! '' I waited 7 days and still had no response so replied stating so. They replied with the same message the next day. 

Another week passes and still no response so I again inquired. The next day they sent me the following : " Thank you for contacting us. 

Your account is currently frozen. Unfortunately, there are no further changes that we can make to your account. Additionally, there is no further information or detail I can provide about why your account is frozen. 

The funds in your account will not be made available to you at this time. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. '' I was forced to use Venmo to collect my payout from the XXXX payout ( https : XXXX ). 

This is absolutely unacceptable that they will not let me withdrawal my money totaling over {$1000.00}.
Product: Debt collection

I got a notice from my bank that my credit score is being damaged because of a 'FAIR COLLECTIONS & OUT ' claim for around {$300.00}. 

I have no idea what it is for and think it is some kind of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

CEASE AND DESIT XXXX XXXX XXXX XXXX to a willing person, it is not a wrong CREDENCE RESOURCE MANAGEMENT company this is a written request for you to cease and desist all forms communication with me effective immediately. 
12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt. 

15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Furthermore you have no jurisdiction or authority to collect on this allege debt.

( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is XXXX for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. 

You CREDENCE RESOURCE MANAGEMENT knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON XXXX XXXX XXXX XXXX Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and myself have settled the debt. I have a signed pay for deletion letter that was honored by XXXX and XXXX ( Both credit Bureaus have removed this account XXXX XXXX Account Number # XXXX I would like this account removed as it is not accurate and has been settled for removal over 4 years ago. Please see payment agreement letter and recent credit report. 

My rights have also been violated due to Equifax not providing validation of the account and showing the in accuracies..
Product: Debt collection

This is what reflects on my XXXX XXXX  account along with my XXXX account as of XX/XX/XXXX. Sunrise credit services acct. XXXX. It reflects that this acct. is currently Open, and was opened on XX/XX/XXXX and reported on XX/XX/XXXX. It states that this account has a past due balance of {$5900.00}. And account type is XXXX  Collections. Ive tried to locate this company thru XXXX  and there is no matches.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX submitted my info to XXXX XXXX without my consent. I have an inquiry on my credit report from CIS which is a reporting company for XXXX XXXX. XXXX over at XXXX XXXX apologized and said it was his mistake ( I have proof and a letter from XXXX XXXX stating there at fault ) XXXX will not give CIS the approval to remove. They told me I need to take it up with XXXX at XXXX XXXX.
Product: Debt collection

On XXXX XXXX, 2015 I received a collection letter from Enhanced ; for debt that had been deleted from my credit report in XXXX 2015 due to XXXX XXXX failure to provide validation. On XXXX XXXX, 2015 I requested validation of the debt from Enhanced Recovery ; still have not received anything. On XXXX/XXXX/15 I pulled my credit report and discovered that this invalid debt is being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AR XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Balance : {$2500.00} XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$4000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are a blatant violation of my rights and have severely impacted my financial standing. I demand that you take immediate action to investigate and remove these fraudulent items from my credit report without delay. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is your legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from you detailing the results of your investigation and the actions you have taken to rectify this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry on XX/XX/2022 from Kohls, Capital One on my credit report that I don't recognize. I contacted Kohls and let them know that I have not attempted to open an account with them and they have made a note to follow up with me via mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # ( XXXX, XXXX, Experian ) has violated my rights on XX/XX/2018 and XXXX XXXX 15 USC 1681 Section 602 I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 


15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as later for purpose.
Product: Debt collection

XXXXXXXX XXXX XXXXXXXX was the original collection agency for XXXX XXXX XXXX XXXXXXXX XXXX they have had it since XX/XX/XXXX that was sold to Capio Partners which I was never notified and they have it listed as a new opened collection dated XXXX 

They have two new open collections account dated XX/XX/XXXX For XXXX XXXX XXXX XXXX that XXXXXXXX XXXX XXXX  has had since XXXX. I would like for them to correct the date on my credit report from when they bought the debt from XXXXXXXX XXXX XXXXXXXX to the original date of XX/XX/XXXXXXXX 

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

This company is reporting fraud inquiries victim of id theft they refuse to investigate and send me my report by mail And delete this
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, As discussed with the lender to no avail, I was not aware that XXXX XXXX XXXX had assumed my mortgage from the previous lender, as I had received no correspondence nor any phone calls from anyone until XX/XX/XXXX. 
On XX/XX/XXXX, I spoke with XXXX XXXX Bank 's customer service representative who explained that XXXX XXXX Bank had become the new lender, and, as a result, it was owed 3 months-worth of mortgage payments. Even though I was surprised that nobody had contacted me before, on the very same day, I wired the amount owed at that time, i.e., {$5100.00}. Since then, I have been paying the mortgage payments regularly, that is, I paid {$1200.00} on XX/XX/XXXX, and {$1200.00} on XX/XX/XXXX. In addition, I also enrolled in automatic payments. As my credit history demonstrates, I have never, not once, missed a payment with any creditor. Despite XXXX XXXX XXXX failure to contact me about the assumption of my mortgage until XX/XX/XXXX, and despite my punctual payments since then, they have not updated my statements. In addition, to my surprise, they have also reported false information to credit agencies and noted that I have missed all payments to date, even though I have paid all that is owed so far, that is, a total of {$7700.00}. 
I am therefore hoping that you would assist with this matter and request that they update their records and immediately withdraw the delinquency notice with the credit agencies. 
Please contact me at XXXX if there is anything I can provide ( bank statements, etc. ). 
Thank you and best regards, XXXX XXXX XXXX XXXX
Product: Credit reporting

I have been disputed wrong information on my credit file for over 6 months, and still Experian has yet to properly conduct the investigation and send the results as I want them. As a consumer, I know my rights, and I know what is suppose to be sent when disputing accounts on a file that do not belong on there.
Product: Credit reporting or other personal consumer reports

The date of the first delinquency does not match the date that I have. I have under 15 USC 1681BE you must provide maximum possible accuracy and I'm taking into consideration that the CFPB is suing you as well. I'm also requesting full disclosure of the XXXX of my full profile. 

XXXX # XXXX XX/XX/year>XXXX XXXX XXXX XXXX days. 30 days
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of consumer letters based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

Heres the list of the questionable items : XXXX XXXX XXXX - Account Number:XXXX My parent has the same name as me. 

XXXX XXXX XXXX - Account Number:XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

XXXX XXXX - Account NumberXXXX XXXX  XXXX - Account Number:XXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 

XXXX XXXX XXXX  - Account Number:XXXX THIS CONTRACT IS CANCELED XXXX XXXX XXXX XXXX - Account NumberXXXX This is not mine. 

XXXX / XXXX - Account Number:XXXX Please Update all payments, all pay was made on time
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Experian credit hard inquiry by : XXXX XXXX Address : XXXX XXXX XXXX XXXX, MI XXXX Inquired on : XX/XX/2022
Product: Checking or savings account

Good afternoon, I opening a few bank accounts in XXXX of 2019 at the Downtown XXXX XXXX Citibank branch. 

After the pandemic hit in XXXX, this downtown location and my banker who opened the account was made COMPLETELY UNAVAILABLE to me.

I continued to have many many issues with my account and this caused a lot of problems for me. 

Citibank is now impossible to deal with as most banks are, as they are more focused on the PPP. 

I received the attached document that is very upsetting to me. 

When I signed up for the Citibank account in XXXX, I opted in for the promotion that if I had a minimum {$5000.00} average daily balance in the sum of all my accounts after a 6 month period. ( This was confirmed by the banker who set this up ), that I would receive a {$200.00} account bonus in my account ending in XXXX. After I waited extremely patiently and repeatedly asked for my {$200.00}, ( it ended up being 7 months after instead of 6 ), I did not get my {$200.00} bonus. I had to go into the XXXX XXXX branch in XXXX XXXX at least 2 times to beg to get this bonus. After they finally did it, I closed that final account and to never look back at citibank ever again. 

However, I get this notice now saying that I am not qualified, which is 100 % ridiculous and inaccurate. 

They are saying this account is not closed, and I do not want to be reported with bad credit to XXXX XXXX. I can not deal with citibank any longer. Please help this go away.
Product: Mortgage

The issue has been ongoing sense XXXX. I was re-call to XXXX XXXX after XXXX and XXXX until XXXX. During this time frame I requested from Bank of America to reduce my interest to 6 % vs 6.5 % which was never done ; in exchange they credit me back once a month what they figure to equal an .5 %. From day one of this account I have always paid bi-weekly this was taken into consideration nor do I believe the calculation over the year equate to change the interest rate as stated in the Soldier 's and Sailors Civil Relief Act. 

I have researched to find that Bank of America was involved with an class action law suite regarding the SSRA during this time frame ; which I was not inform of at that time. 

Please help me receive the credit to my account that I have service to country for! 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX
Product: Student loan

I had filed several complaints with US Department of education for several years prior to the recent XXXX XXXX  lawsuit. The complaints were due to the misleading information and false claims and fraudulent loan extensions. I paid XXXX XXXX and navient over {$30000.00} for which Ive not see XXXX XXXX refunded to me. They did wipe out the remaining balance but I paid all that money for nothing. Its not fair to the thousands of us in the same boat. We were put on family federal loan program and switched to commercial? Bad information the entire time. Please bring some justice to us commercially held student loans that we paid so much money for absolutely nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay my bills every month online. One month with this particular company i paid my bill online and got notice that they received the payment only to get notice 30 days later that they never received the payment and they were putting a 30 day late pay on my credit report. I notified them that the website assured me that i did! They told me that happens from time to time and apologized but they could not change the 30 day late from my credit report. What? I have attempted to get the late pay removed from my credit report thru the bureaus but had no success so i am reaching out to you. It is keeping me from getting the best interest rates, Please help.
Product: Debt collection

On XXXX XXXX, XXXX, I submitted a complaint about American Express regarding my credit card account to the CFPB. This was a last ditch effort after over a month of trying to start a payment plan with Amex. 

American Express had threatened to ruin my credit. In that complaint, I proposed a simple repayment schedule - see Complaint Detail ( attached ). I have called and asked for assistance, payment plans, structures, etc. many times. I even wrote the president of the company. ( attached ) on XXXX XXXX, XXXX. 

After I contacted the CFPB, American Express sent me a response. Part of it is as follows : " We have not reported this account to the consumer credit reporting agencies We sent the enclosed letter to you XXXX XXXX, XXXX explaining that we will defer placement of your account with a collection agency providing that you contact us to agree upon an acceptable payment plan. Because this is a Small Business account, we have not yet reported this account to the consumer credit reporting agencies. '' Obviously, I have tried multiple times to contact American Express. This response does contain a bold face lie. American Express did, in fact, report this account to the credit reporting agencies causing my credit score to drop over 100 points. Please see attached screen shot from XXXX. 

American Express did follow through on their promise to ruin my credit even though I have done everything in my power to resolve the situation. This is the kind of bullying and bad faith business practices that should be no part of our financial system. 

I simply want to repay this debt over several months and have no negative credit due to this issue.