23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report which is attached. Please block and remove all information from my credit report and send me an updated copy of the credit report. Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. 

XXXX XXXX XXXX - XXXX Has not undergone certification to conform to recognized reporting standards. It is imperative to acknowledge that this data might be incomplete, outdated, or unsupported. Thus, I respectfully request the removal of any inaccurate or unsupported material from this page to ensure accuracy and reliability. Your prompt attention to this matter would be greatly appreciated. 

XXXX - XXXX I respectfully request that any detrimental aspects related to the allegations made against me be expunged from my credit report. I belief that this item may have been reported unjustly, lacking the necessary authentication, or even in violation of the law. It is my understanding that the law requires the expunction of the accusations of late payments associated with this item. Thus, I request that such allegations be deleted from my credit report promptly. 

XXXX XXXX XXXXXXXX I regret to express my disappointment regarding your failure to furnish comprehensive documentation substantiating your adherence to compliance reporting standards and relevant consumer laws. This glaring deficiency is of utmost concern. I hereby insist that this flawed and inaccurate report be expunged without delay, failing which, legal recourse shall be pursued against your company for its non-compliance with specific statutory requirements about these matters. We must possess a thorough understanding of the content showcased in documentaries to safeguard against potential unforeseen issues that could have been averted had meticulous attention and conscientiousness been prioritized over mere convenience. 

XXXX XXXX XXXX - XXXX I believe that this item may have been reported unfairly, without proper certification, or even unlawfully. Specifically, I demand that the allegation of late payments associated with this item be deleted immediately, as required by law, and removed from negative reporting.
Product: Credit card

Timely payments have always been my practice with this account, and I've never let any become overdue. I'm confused by the reports of late payment remarks on my accounts. Per 15 USC 1666b, billing errors need to be corrected.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been XXXX XXXX and returned home to find out my card had been used I immediately contacted my card company and filed a card dispute waited the 10 business days as told to receive a provisional credit only to find out on the 10th business day my claim had been denied I asked what else can I do to get my money back I was told by the customer service representative to do a new card dispute and include my XXXX XXXX paperwork stating that I was not in the country at the time of the transactions I called to check and see if the card company received the new dispute only to be told they will not open try to do anything else to get my refund I was also speaking to a very ignorant representative who refused to give her name or put a manager on the phone she also hung up in my face her employee id is XXXX if she didn't give me the wrong information I have attached all of the forms I sent to my card company along with time receipts for when I filed both disputes as I was asked all I am asking is for what's rightfully mines that I worked hard for thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is inaccurate
Product: Credit card or prepaid card

On XXXX I ordered 3 hairpieces from XXXX. 1 6 inch 1 8 inch and 1 10 inch.for XXXX ... .They sent 3 10 inch of another hairpiece which is not what is shown in the pic as I ordered. CapitalOne requested more info so I called and spoke with XXXX in the XXXX on XXXX and she said just to resubmit my claim but change the dates to reflect after the merchant had responded to my dispute. Once again I sent my claim back in only to be rejected. It's clear in the pic and invoice that the order is wrong. I believe this to be a bait and switch because I did not get what was in the pic!! The merchant sent a different product than what I ordered and I provided the proof twice.
Product: Bank account or service

XXXX XXXX, 2016 On XXXX XXXX, 2016 I met with XXXX XXXX, XXXX, XXXX XXXX XXXX., at US Bank to find out how US Bank could help me find start-up XXXX which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Needless-to-say, I found XXXX to be very unconcerned about my inquiries, but before I ever had a meeting with XXXX, I had to constantly bug the branch manager and tellers to have him get in touch with me. Finally, on XXXX XXXX, 2016 I received a phone call from XXXX who told me he was at the XXXX, OH branch office, but was about to leave as he had other engagements to attend. I told him I lived right across the road from where he was at and could be there in XXXX minutes and to wait for me. 

I was told by the branch manager which office XXXX was in and as I entered he said " I hear you have been trying to get in touch with me ''. First of all I expected more from a loan specialist. He did not ask me for any documentation, ( business plan, incorporation documentation, EIN, etc. ), nothing. He just asked me what I wanted. I told him I need start-up capital for my business and what and how exactly do I achieve this. He asked me if I was given the US Bank XXXX Business Banking '' brochure that lists their features and benefits and I told him no. So he got up out of his chair and secured me XXXX and told me to read this so I would know what US Bank offered business owners. 

I thanked him, but proceeded with my questions about how my credit score affected my request for a business loan and what does US Bank look for when a request is made because I had been turned down for a US Bank card line-of-credit. I also informed XXXX that I was working with a credit repair company to get my credit scores fixed, but I needed to know the parameters US Bank used to approve or deny credit. XXXX said that US Bank did not deny loans based on the credit score, but used various factors to do so. Again, I asked what the factors are. XXXX 's answers became more ambiguous. He began to draw circles on the desk with his hands saying that the factors could be a number of things but stating nothing specifically only that the FICO credit score was not the main issue. 

Afterwards, I asked XXXX who at the bank makes the decision and he told me the Underwriters at US Bank makes the decisions. I asked him if I could speak with them to find out what factors decided the definitive yes or no to a business loan, and he said no. 

So at that point I saw that I was not going to get any answers that could help me with my business venture as XXXX 's phone alarm kept prompting him to wrap it up and I could see his face getting red ; his hands sweaty and his demeanor very short. If he is the voice for small business support, then I feel US Bank 's decisions on who or who not they are going to help is very bias because it seems there are no parameters in place for making a fair and judicial decision, and this annoys me greatly.
Product: Credit reporting, credit repair services, or other personal consumer reports

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.I 'm so stressed and disappointed that this is happening to my credit report that I couldn't even eat properly, even though it is evident that this is a mistake on your part in reporting this inaccurate information. That's why, if you want to redeem yourself, you must update and remove the late payment remarks on the items that I was never late on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union Credit Claims that they verified a public record showing in my credit report with the US Bankruptcy Court of PR. This is false information as the US Bankruptcy Court of PR DO NOT share information with CRAs. 
Trans Union utilized XXXX XXXX for electronic verification purposes and therefore the information provided in my TU credit report is inaccurate as TU NEVER verified this information with the US Bankruptcy Court of PR. Based on Fair Credit Act this is a violation under this act and I am entitle to remove this innaccurate information from my TU credit report. 
Additionally this public record on the investigation report should be shown as DISPUTED. It does not. 

Please instruct Transunion to remove this inaccurate public record from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to fair credit reporting act my privacy have been violated 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 instruction 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a customer 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 XXXX XXXX did Not Authorized for the following companies to run my credit report and was given XXXX Hard Inquiries also mailed all documentations to Equifax and according to Equifax it got Deleted but they lied, and I'm given the run arounds will not stop calling till this situation gets resolved. 

XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received a letter this morning XX/XX/2019 staying my checking account would be closed. After numerous attempts to call and get an explanation none was provided.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Bank account or service

I have been trying for a number of years to geat a problem solved with Synchrony Bank formally GE Money Bank. In XX/XX/XXXX I purchased a XXXX which was financed by GE Money Bank. Due to circumstances beyond my control in XX/XX/XXXX I filed for XXXX bankruptcy and this account was part of that bankruptcy. I have been trying thru phone calls and writing the company to get them to pick up their property ( XXXX and trailer ). I sent a certified letter to the company at PXXXX GA XXXX on the XX/XX/XXXX which was signed for on the XX/XX/XXXX. The letter asked for the bank to either pick up their property or release the lien so it can be disposed of. As of this date I have received no response. Any help would be greatly appreciated since this has gone on for 10 years.
Product: Payday loan, title loan, or personal loan

I initially started a line of credit with Cash Net Usa back in XX/XX/XXXX. I was in need of the credit line but I was not aware that they were practicing predatory lending the interest rate kept me in a cycle of never ending debt. I ran into financial trouble back in XXXX or XXXX of XXXX and i was not able to make any payments and have not been able. I contacted them and informed them around XX/XX/XXXX again and they told me they couldn't help unless i paid the past due amount, after i already Expressed i was unable to make payments. Then they decided the best option was the {$93.00} payments plus the {$130.00} payments in XXXX to catch up which still does not help me. I do not know what to do they continuously call me and email me after ive said i cant pay and need options while im in this financial trouble.
Product: Credit reporting or other personal consumer reports

My account with DEPT OF EDUCATIONXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 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. 

DEPT OF EDUCATIONXXXX 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: Student loan

On XX/XX/XXXX I made a complaint against Sallie Mae for refusing to work with me to arrive at a monthly repayment amount that is within my power to pay. The complaint was responded to by them in the form of a telephone call to me suggesting that I do not make the payments due on XX/XX/XXXX ( as there is no possible way I can make the payments and still pay my basic living expenses ) and wait for their collections department to contact me. I was told that at that time, they would make new payment arrangements with me. 
I have four separate loans with Sallie Mae, one of which they processed without deferment, meaning I had to pay the interest on the loan from the start. As I was still in school, I set up an automatic debit ( {$25.00} per month ) and have never missed a payment. 
The other three loans remained in deferment until XX/XX/XXXX. I had not set any of those loans up for electronic debit and yet, on XX/XX/XXXX, my checking account was debited for all three of those loans totaling {$620.00}. They could not withdraw on the original automatic debit loan as the payment amount increased from {$25.00} to {$90.00} and they did not have my authorization for the higher amount. How could they then -- without my authorization -- withdraw over {$600.00} from my account for the loans I had never set up on automatic debit in the first place? There is no way I could meet my monthly living expenses minus these funds, so today, I had to spend {$30.00} to stop payment on these withdrawals. 
My complaint is this : I was advised not to make the payments I could not afford to pay and to wait for Sallie Mae to contact me only to have them then, without my request or knowledge, withdraw a large amount of money from my bank account. I have no assets to draw from to replace those funds and had no choice but to spend the {$30.00} to stop payment on the withdrawals. It's my experience that consumer protection protects the lender rather than the borrower.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed several accounts that I do not recognize or recall ever opening. These accounts are as follows : XXXX. XXXX XXXX XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXXL ( Account Number : XXXX ) I believe these accounts may have been reported inaccurately, and their presence is negatively affecting my credit report. I contacted the credit reporting agency to dispute these accounts and provided all necessary documentation, including my identification, but the accounts remain on my report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/ or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations. 

The FOLLOWING derogatory accounts allegations are UNVERIFIED, INCORRECT, and NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : *XXXX XXXX- Account # XXXXThis account report multiple inaccuracies, persuant to 15 USC 1692c ( c ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding for this account to be deleted immediately from my TransUnion and XXXX XXXX XXXX. Please DELETE for inaccuracies. 

*XXXX Account # XXXX This account report multiple inaccuracies, persuant to 15 USC 1692c ( c ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding for this account to be deleted immediately from my TransUnion credit file. Please DELETE for inaccuracies. 

XXXX XXXX- Account # XXXX This account report multiple inaccuracies, persuant to 15 USC 1692c ( c ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding for this account to be deleted immediately from my TransUnion and XXXX XXXX file. Please DELETE for inaccuracies. 

XXXX XXXX- Account # XXXX ( DEROGATORY ) This account report multiple inaccuracies, persuant to 15 USC 1692c ( c ) This account has been paid and on time, has never been late and should not be reporting negatively on my credit file.I am invoking my specified remedy as a consumer, and the original creditor I am demanding for this account to be deleted immediately from my TransUnion credit file. Please DELETE for inaccuracies.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.
Product: Credit reporting or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I PRESUME THAT PROOF OF TEH ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXIST.
Product: Debt collection

On XX/XX/year> @ XXXX XXXX XXXX I received an SMS from a company named January Technology , Inc a collection company as to an alleged debt, supposedly related to another creditor named XXXX. I immediately opt out with STOP to cease any further contact from this company. I then begin receiving emails from this same company, January Technology Inc as to attempts to collect again, for an alleged debt for XXXX on XX/XX/year> @ XXXX pm. A cease and desist demand letter was sent certified mail on XX/XX/year> and delivery confirmation was confirmed on XX/XX/year> @ XXXXXXXX XXXX XXXX. In this cease and desist demand letter, I specifically noted IF You Are Any Aother Agents Of Your Company Attempts To Contact Me Further Regarding This Alleged Debt, a formal complaint will filed with the Federal Trade Commission and the Federal Credit Reporting Act, pursuant to 15 USC, 169g Sec. 809 ( b ) of the FDCPA. Now, on XX/XX/year>XXXX XXXX XXXX XXXX XXXX, I started receiving SMS messages from now, XXXX XXXX another collection agency, contacting me for this same alleged debt from this company XXXX. I immediately responded with STOP to cease any further contact to my cellphone from this company, XXXX Soon after, Ive been receiving emails from this new collection company, TrueAccord on XXXX separate occasions, XX/XX/year> @ XXXX am, then again on XX/XX/year> @ XXXX pm EST then finally on XX/XX/year> @ XXXX pm EST. Due to this ongoing and harassing communication tactics, I sent a cease and desist letter, along with request additional information, sent certified mail on XX/XX/year> and is, at this time, pending delivery today and will be confirmed delivery by XXXX ( see attached delivery schedule. 

Im filing this complaint as to a more formal complaint to this company, XXXX, an apparent agent of January Technology Inc to immediately cease and desist this illegal, harassing and intimidating tactics of continuing to contact me after being legally notified and so noted and documented. Using this government agency to also be a record of such demands to cease and desist will be used as additional discovery evidence and documentation that January Technology Inc as well as another agent, XXXX XXXX that they have been put on notice both in certified mail and with this government agency to cease and dissent contract with me as to this alleged debt they seem to be attempting to collect for an alleged creditor, XXXX. Any further communication by either of this XXXX entity companys, collections to me will be a violation of my rights Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ). Further complaints will also be filed with the XXXX  state attorney generals offices as well as the Federal Trade Commission. I will also file in XXXXXXXX XXXX XXXXXXXX XXXX, small claims division for relief and and summary judgment for court cost, filing fees and damages as seen appropriate by the court for violation of my consumer rights pursuant to the above mentioned statute.
Product: Credit card or prepaid card

I have been with Capital One for a long time. I have asked repeatedly to lower my interest rate. My bill is due and I pay on the 13th of each month as soon as I get the statement. I also pay extra on it each month. They can't tell me why they will not lower the interest rate and I have never been late on paying the bill. Now I see that the fed reserve is going to ask to raise rate once again and for no reason other then they can Capital One will raise my rates. I wish you would look into why Capital One will not lower a good customers interest rates and put a stop to them being so low end company that a person who pays on time and why early and extra that this company will not and does not do the right thing.