23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have had my federally protected consumer rights violated by Experian on numerous occasions. According to to 15 U.S. Code 1681b - permissable purposes, nothing should be furnished on my credit report without my written consent, I have compiled and EXHIBIT to show the violations done to my credit report and have attached an invoice for the actual damages done. EXPERIAN has violated 15 U.S. Code 1692e as well, by using false and misleading characters and statements. I have not been able to extend credit or qualify for a loan. They have caused me financial harm willfully and negligently. I have also included 3 affidavits, one which is an affidavit of truth I have sent in the past. By law if the affidavit of truth has not been rebutted line by line then it stands as truth, so why are these negative accounts still on my credit report? Provide my signature in wet, blue ink, signed by my hand ACCOUNTS : BANK XXXX XXXX - {$9000.00} XXXX XXXX - {$16000.00} XXXX - {$6300.00} XXXXXXXX XXXX  - {$12000.00}
Product: Debt collection

I am XXXX years old and have always paid my bills on time. They never sent me anything about what I owed and this is hurting my credit. 

I have resided at my home for years and have always paid my bills on time. 

Please take this off of my credit. Thank you!
Product: Credit card or prepaid card

Number 1, your questions are not exactly geared to my issue. I am having an issue of calling the only number I have been issued for the GoProgram 's Way2Go card. I have been able to transfer money to my bank one time, and now, it does not give me that option through that number anymore. All options, press 1, press 2, etc., are not giving me that option anymore. I have tried every option on that system and nothing is there. 

I have automatic bill pay and I can not transfer the money. I have gone directly to my bank with my card, and it does not accept the card. The nearest ATM that will accept it ( I've checked online ) is 8 miles away. This is really inconvenient. 

I went into the GoProgram 's website to see if I could get direct deposit. The option is for Oklahoma only, I live in Georgia. 

I called your phone number and spoke to someone who was very helpful. I will try what her suggestion is. But I wanted to file my complaint in case her suggestion will work ( she gave me a phone number to call to see if I can get direct deposit that way ). 

Thank you for your time and efforts on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has my student loans showing $ XXXX higher on their experian side. Experian site is correct. XXXX is correct. XXXX XXXX  is far from being correct! They refuse to fix!! Ive been going through this for months! They keep blaming Experian. I have screenshots of all the chats where they refuse to help & blame a non existent creditor- that shutdown a decade ago and they blamed Experian bug time! If I was the head in Experian I would dissolve that partnership quickly!
Product: Credit reporting or other personal consumer reports

I would like the following inquiries to be deleted, I did not authorize these companies to run my credit. This is fraudulent. 

Pinnacle Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We were scheduled to close on our new home with lender First National Bank on Thursday, XX/XX/XXXX. An hour before closing, our lender informed is they didn't have the appraisal. It was the first time we were informed. They assured they thought we could still close by the end of the day or the next day so we waited and had our house packed up by the movers. We couldn't get any updates or information. On Friday, still no updates and still no closing. However, when I called our builder, I was informed that no appraiser had ever contacted any of them or the agent to request access to our newly constructed home to conduct an appraisal. By end of day Monday, XX/XX/XXXX, we were notified that that appraiser had gone MIA and no one could locate or contact them. Our builder demanded contact information for the XXXX and they wouldn't provide it. On XXXX, XX/XX/XXXX, they suggested they'd find a new appraiser and start over. We had to move out of our previous home on XX/XX/XXXX because our rent back was up so we now had to pay nearly {$5000.00} for movers to move our house into storage, {$5000.00} for storage for our entire house, plus {$500.00} to cancel our initial move date. We also had to move our family ( including XXXX kids and XXXX dogs ) into a hotel. Our builder and us contacted the new appraisal company and were able to engage an appraiser to complete the appraisal on Thursday XXXX, submitting it that night. The lender said they probably still can't close this week because the underwriter is out of the office this week. They sent a new disclosure with a new closing date of XX/XX/XXXX! We will be out of pocket almost {$15000.00} by that point because of their XXXX up, not taking care of the appraisal on time or verifying if it was completed. The closing company has been in possession of nearly {$400000.00} of our funds for more than a week now and we still can't close. Our kids are forced to stay 30+ minutes from school and activities. They won't give us any updates or any help.
Product: Credit card

Total Visa closed my account on XX/XX/XXXX for high risk fraud. I was charged an annual fee of {$48.00} on XX/XX/XXXX for the period of XX/XX/XXXX thru XX/XX/XXXX. They are refusing to refund the annual fee. Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) CC : XXXX XXXX XXXX XXXX XXXX XXXX  CC : Federal Trade Commission ( FTC ) CC : Experian, XXXX, XXXX Dear XXXX FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) I am writing to dispute the charge-off that appears on my credit report for account XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report. 

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder. 

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous. 

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred. 
Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX, I was on my way to physical therapy when I was hit by a lady who had no drivers license or insurance. The lady was at fault and received several tickets. My insurance company XXXX determined that my car was a total lose and issued credit acceptance a payment of XXXX, XXXX on XX/XX/XXXX. On the day of my accident I got a payoff quote sent to me from credit acceptance ( The Payoff Amount owed on the Account is {$13000.00} as of XX/XX/XXXX ) and I notified them of the accident. 
I also purchased GAP insurance and a warranty when I purchased the car which totaled 4000, which should take care of the difference. Credit acceptance is now saying I dont have Gap or a warranty and is reporting to the credit bureaus that I am 60-90 days behind on payments and owe them 2000 ( the amount keeps rising so Im not for sure on amount ). This is the second time reporting credit acceptance the first time was for the FAKE warranty that I purchased and now to find out the Gap insurance I purchased was a scam also. 
Please can you help me this is ruining my credit and causing my family major problems. I sent a dispute to all three credit bureaus that showed all this and explained the date of the last payment was wrong which according to MY RIGHTS the credit bureaus should have deleted it because of incorrect information instead ignored my request and said it was reporting correctly. This would also be the second time all three credit bureaus violated MY RIGHTS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is incorrectly reporting 60 day lates for XXXX and XXXX of 2024 with a payment made for {$170.00}. Bank statements were provided to show the payment was made and Transunion still has not deleted this incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my Target XXXX Master Credit card at my request, and paid the balance in full. 
Prior to closing the account and paying in full. I made a payment of {$95.00} on XX/XX/2019, the due date was XX/XX/2019 and I acknowledge the payment was late, but not 29 days late. I paid the balance in full on XX/XX/2019 in the amount of {$3000.00}. I reviewed my credit report and it states Target Mastercard Potential Negative status. 

I spoke with XXXX XXXX on XX/XX/2019 and he advised the payment was one day late it is considered late, I advised it was under 29 days late, and for you to report to the credit bureau I paid over 30 days late is incorrect. I requested a letter from XXXX/Target bank to send a letter stating me account was closed at the consumer request and paid in full. 


XXXX XXXX advised XX/XX/2019 XXXX XXXX  reported I was 30 days late on my account, which was inaccurate. I was one day late!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX a criminal deposited a fraudulent XXXX XXXX  check for {$5600.00} into my Wells Fargo account using my name and account number and withdrew {$4100.00} in cash at the teller at Wells Fargo XXXX VA location on XXXX XXXX. This branch is

2.5 hours from my home and we never used this branch. The teller who handed all this cash over initialed the bank slips as XXXX or possibly XXXX. The handwriting entering my name, address and account number is the same on both bank slips.

The criminal then withdrew another {$4000.00} in cash at the same branch and same teller for a total {$8100.00} cash removed from my account.

Wells Fargo noticed the check was fraudulent on XX/XX/XXXX and withdrew the {$5100.00} check amount from our account but did not contact us on any urgent basis.

Because we recently moved to a new home, we had many large money movements in our account during XXXX XXXX and did not notice the missing funds until XX/XX/XXXX. We filed a claim with WF on the same day. Wells Fargo denied the claim saying that we did not file within
30-60 days of the event. WF has criminal tellers handing out cash to check fraudsters and they are not alerting their customers, instead leaving their customers on the hook.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the accounts with all for the credit bureaus for the accounts reporting with XXXX XXXX , XXXX XXXX, SYNCB, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and XXXX are not mine, I have sent this info to each creditor along with the credit bureaus directly by mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I never repined any replies from any of the companies, but XXXX  and XXXX  have replied back, but the investigations are not completed accurately. I have sent over request to have the results of the investigation forwarded to me.,
Product: Debt collection

Credit Management Company reported an open collection XX/XX/2023 without previously notifying me by mail, email, or telephonic contact. The account in question had been removed from my credit report three years ago after working with XXXX XXXX in disputing this debt.
Product: Credit reporting

I found a XXXX XXXX '' account on my credit report in the amount of {$170.00}, Account No. XXXX. It was opened XXXX/XXXX/XXXX and reported to my credit XXXX/XXXX/XXXX. 

I did not go to XXXX or take my adult son there in XXXX or XXXX or any other time. I also never signed anything giving anyone permission to take my son there so this could not be my bill. 

I have repeatedly requested verification of this account being mine from XXXX, Experian and XXXX. I have never received any verification from them because this account does NOT belong to me. They either entered information incorrectly or someone used my name. I dispute this information. This is NOT my bill. 

I am also unable to find out exactly who I supposedly owe this too. I live in XXXX and have XXXX this place in XXXX and sent letters to any addresses I could find.
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. 


Account name : Untitled Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.
Product: Debt collection

Was sent letter claiming to owe without any documentation of charges. I called them and demanded a full breakdown of charges and a copy of any signed approval document that I ever agreed to these so called charges. Company has Never provided proof of charges or even attempted to resolve these bogus demands. I recently sent another request for proof of charges and now this shows up on my credit report damaging my credit. This Company is a fraud for reporting illegal charges never approved by me. I even called the hospital and they referred me back to Helvey and Associates who has never tried to provide me documentation of debt, because they cant get any as the Dept is not owed and never was! I am asking to have this damaging disclosure immediately removed from my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Product: Credit reporting or other personal consumer reports

inquires on my credit report that I dont recognise
Product: Student loan

My wife and I cosigned on private loans for the below. We would like a XXXX XXXX XXXX application due to navient and XXXX  giving preferential treatment to private loans. They knowingly lied about the credits transferring to other schools and the legitimacy of the school. My son is almost XXXX years old and still paying on loans that did not help his life in any way. 

Loan Type XXXX  School XXXX XXXX - XXXX XXXX Current Owner NAVIENT XXXX XXXX XXXX Disbursement Date XX/XX/2006 Original Principal {$13000.00} Total Accrued Interest {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am filing a complaint against Bank of America, regarding mortgage payment process. I am enrolled in Bank of America Pay Plan 24. My LOAN # is XXXX. This plan splits my payment amount by electronically deduction from my checking account. On the XXXX and XXXX of each month a payment {$620.00}. My total monthly mortgage payment is {$1200.00}. On XX/XX/XXXX my mortgage payment in the amount of {$620.00} did not process out of my account. I called at XXXX XXXX ( 32m 22s ) and again that day at XXXX XXXX I was told that BoA had a system update and my mortgage payment would process out on XX/XX/XXXX. That really appeared odd. The reason I called later that evening, well on XX/XX/XXXX my payment still did not process. Multiple calls I was on hold upwards to 1 hour then the call dropped. Call again, on hold upwards to 1 hour 57 minutes to no avail getting through to the mortgage department. On Monday, XX/XX/XXXX the payment still did not process out. I went into a bank branch and paid my mortgage in the amount of {$1200.00} confirmation # XXXX. On XX/XX/XXXX, the payment is NOW processed in the amount of {$620.00} from Bank of America. This is causing tremendous finanical stress as I have other automatic bill pays attached to this account. I am in fear checks will not clear because of this error. Also, the second payment will post on XX/XX/XXXX for {$620.00}. I have attempted all this week as well to contact Bank of America. Actually, I am on hold now for the second time this morning still to no avail. I need Bank of America to reimburse/reverse my account in the of the double payments.
Product: Debt collection

On XX/XX/2021 I sent a letter to WELLS FARGO. requesting information on an alleged debt they are reporting and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Product: Student loan

Applied for income based renewal within the time frame giving them at least 2 weeks to process it before it returned to the whole amount. I have it in automatic payments and this last payment they took the entire amount of {$670.00}. This caused an overdraft of my account and they will not return the payment.