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

It's XXXX XXXX XXXX, over XXXX points lower than XXXX. It's time they take it off my records. 100 % payment on time over last 7 years and even before having to file. 
I could not find a lawyer to represent me in a specific court up in XXXX XXXX XXXX 
XXXX sold me a bad {$750000.00} machine to my business that was mis-represented. 
My only alternative after 5 years of trying to make it work was to tell them to come pick it up. They came after me personally. Hoping some day their will be a class action law suit against XXXX and their practices. 

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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : CREDIT COLLECTION SERVIC Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX  XXXX Balance : {$30000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX a woman holding a drivers license, with my name and addresss, who 's Number that did Not match my number along with a Social Security Card, That had my name on it, But the number was not correct, went into XXXX XXXX XXXX business office and took out a loan for XXXX. This was reported against my credit and had nothing to do with me. 
I met with the NJ district manager, XXXX XXXX, who showed me these documents and i told him that these artifacts did Not Match mine.. but yet this loan went against my credit. I am working hard to improve my credit and this is quite a blow. 
XXXX did not do their job in my eyes. They checked the name, address, place of business only. 
this is a gross injustice. to make matters worse, when i contacted the number to XXXX XXXX that was provided on my credit report, they said they had no account under my name. i only found out about the theft last week when the account became delinquent. 
Please let me know if there is anything you can do to help
Product: Credit card

I earned {$930.00} in cash back on my US Bank XXXX XXXX back credit card. US Bank has confirmed that this amount is in my rewards account. I earned this in XXXX but was unable to transfer the money to my bank account so that it could be used. I contacted US bank multiple times in XXXX requesting help transferring it. They eventually escalated to a supervisor, who told me in XXXX that the back office would need to manually transfer my money to my bank account because there was a glitch in the system. He said it would take XXXX weeks. I called back in early XXXX, wondering why it hadn't gone through yet. No customer service reps that I spoke with had any knowledge of the case with the back office, and I am still unable to access my {$930.00} on XX/XX/2024. I have called US Bank at least 5-10 times now and been unable to access my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I co-signed an Auto Loan with Santander Bank for a car. I made payments on the loan until I lost my job due to COVID-19. I contacted Santander Bank to discuss alternative payment arrangements such as a deferment, lower my monthly payments or a forbearance considering the circumstances. Santander Bank failed to work with me, charged me additional fees and made negative marks on my credit report. 

Under the CARES Act, Santander Bank may not report this auto loan as being late if I lost my job and was unable to make my monthly payments as a direct and exclusive result of COVID-19.
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 XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

A number matching Well Fargo Bank fraudulently entered my bank account and XXXX  out all of my funds. My bank did not reimburse me and said i was in on it.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following negative items listed on my credit report : XXXX - XXXX - {$130.00} XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXXXXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX  - XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigated yet how is that possible if the open date is inaccurate, the last active is inaccurate, and date last reported is not accurate. This grounds for removal as they also violated my rights under 15 USC 1681 Section 602 a : States 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.

18 USC Chapter 13 Subsection 241 : If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, Commonwealth, Possession, or District in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States, or because of his having so exercised the same ; or If two or more persons go in disguise on the highway, or on the premises of another, with intent to prevent or hinder his free exercise or enjoyment of any right or privilege so secured They shall be fined under this title or imprisoned not more than ten years, or both ; and if death results from the acts committed in violation of this section or if such acts include XXXX  or an attempt to XXXX XXXX XXXX XXXX or an attempt to commit XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  they shall be fined under this title or imprisoned for any term of years or for life, or both, or may be XXXX XXXX XXXX 
Also the Credit bureaus took more than 30 days to complete my investigation.
Product: Credit reporting

There are various records indicating that I closed the XXXX XXXX and XXXX XXXX XXXX XXXX. I did not closed these accounts and the company can not find who called or made the phone called. In addition, I was a victim of identity theft and there are many inquiries in my account that were not made by me. XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX. These credit inquiries were not made by me and I need them to be taken on the credit reports from Transunion. I need to erase all records that were done without my consent. I have been arguing these issues for over a year and to no avail.
Product: Debt collection

I don't owe hospital bills. 
Been on XXXX XXXX  since XXXX and this bill is from XXXX. Per XXXX regulations, it is agaisnt the law to ask a person receiving XXXX to pay any bills. 
The hospital and other departments have my insurance information and this bill should never have been assigned to a creditor. 
I call these same people and attempt to explain this, but they never listen, andthis bill was sent to creditor without even contacting me. 
Tried to dispute it, but XXXX did not give me any option other then to " dispute the bill '' to dispute it, and the creditors phone number is not available. 
I will be contacting XXXX and reporting everyone involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Choose according to account type. These can be combined. My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts listed below have violated Federal Protected Consumer Rights to privacy and confidentiality under 15 U.S.C 1681 Account 1. XXXX XXXX 2. XXXX XXXX XXXX 3XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXXXXXX XXXX received all my demand-letters since 2018  along with my lawyer 's letters to fix their fraud and inaccurate information. I never validated the debt, however the bank illegally and without my consent, knowledge and permission validated the debt that was in dispute. See attached letter. Stop covering up this monster bank and act in a good faith, unbiased and fair, not racially motivated. Your agency received in the past my complaint, however kept a blind eye over the XXXX  XXXX XXXX 's violations in my case. Be so kind to review alarming negative records of federal penalties against the XXXX  XXXX XXXX, that raises a red flag. All my communications with the Bank have been witnessed and video recorded. The Bank habitual liars promised several times to reverse their negative reporting and delet that from my credit reports. See attached is my lawyer 's letter. The Bank sent me a letter and I provided with a burden of proof.
Product: Credit reporting or other personal consumer reports

I REQUESTED FROM TRANSUNION PROOF OF VERIFICATION OF DEBT AND THEY DID NOT PROVIDE THE INFORMATION, THEY VIOLATED SECTION 15 USC 1681 i ( a ) ( 1 ) ( A ) THEREFORE I AM REQUESTING FOR TRANSUNION TO DELETE THIS ACCOUNT FROM MY CREDIT FILE.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX 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 ( MONTHS REPORTING LATE ) 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. 


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

In accordance with the Fair Credit Reporting the account below, my rights were violated : XXXX  XXXX Bankruptcy # XXXX 15 U.S.C. 1681 Section 602 A States I have A right To Privacy 15 U.S.C. 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish a account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed XXXX letters on XX/XX/XXXX Sent failure to respond letters on XX/XX/XXXX Sent 611 letters on XX/XX/XXXX Sent another round of XXXX letters on XX/XX/XXXX just to be sure These letters were all pertaining to my bankruptcy record on my credit report. The bureaus have 15 days to respond showing how they verified bankruptcy, and did not respond either time. 

I sent each of these type of letters to ALL THREE BUREAUS. I have only attached those for Transunion to avoid redundancy.
Product: Credit card

I am a well-established startup founder with a perfect payment history on my Chase credit cards. On XX/XX/year>, I attempted to make a legitimate purchase from a well-known luxury watch dealer, within my credit limit of {$26000.00}. The sequence of events : 1. Transaction was initially declined 2. I called Chase to understand why 3. Was told they needed to " review '' the transaction 4. After 10 minutes on the call, was informed they were terminating ALL my credit cards without warning This occurred despite : - Perfect payment history - Regular bi-weekly salary deposits to Chase - No suspicious activity - Purchase from a legitimate merchant - Amount within my credit limit Chase provided no warning, no temporary suspension, and no opportunity to address any concerns. This immediate termination damages my credit score and was done without any reasonable justification. Their actions seem arbitrary and potentially harmful to consumers who maintain perfect payment records.
Product: Debt collection

They violated the HIPAA act by reporting my debt and information to credit bureaus
Product: Credit card or prepaid card

I paid off my accounts on all of my Amex cards ( 3 total ). The limits were : {$12000.00} ( recently paid about $ XXXX to pay off completely to XXXX balance ), another was {$5000.00} limit and another was another {$5000.00} limit. Ive had my card since XXXX. 

I have never paid late, missed a payment, and I always pay twice the amount of the minimum payments. 

When I tried to make a purchase on the {$12000.00} ( XXXX XXXX XXXX XXXX  ) limit card they immediately blocked it and put my limit to {$1000.00} and told me they need all of my financials and proof of income. Which I complied and worked on appeal. This was on XX/XX/XXXX. 

Then on another card today XX/XX/XXXX I had {$5000.00} available credit with {$0.00} balance and I made an XXXX XXXX purchase for {$9.00} and they again changed it to {$1000.00}. I called to speak to a manager and they denied me. They claimed they have to review my account first ( even though they didnt ask me why I am calling ). 

I have done nothing wrong or anything to have warranted such treatment. I pay the annual fees for my cards of over {$300.00} a year and I never missed a payment and in fact I pay off my balances. 

They cited that I opened new credit cards recently which I did because I was offered 0 % APR and some had more cash back ( e.g. XXXX XXXX for my XXXX XXXX  purchases and XXXX card for my XXXX phone bill ). But that should give them the right to suddenly reduce my available credit by more than {$15000.00} for trying to use it to by something so small as {$9.00} XXXX XXXX pass
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not about a company.Its about inaccuracies on my credit report.one is I dont have 2 outstanding loans. I purchased a used truck a couple years ago and got in house financing and the financed was Westlake financial out of XXXX XXXXThey were charging me 18 percent interest so I had my bank ( XXXX XXXX XXXX in XXXX Texas to assume the loan at 6.9 percent interest.So they paid WestlXXXX off and my title is with the loan officer XXXX XXXX in XXXX.The next inaccuracy is XXXX XXXX XXXX.I canceled that cc a log time ago.AndthisXXXX XXXX XXXX XXXX XXXX, I have no clue what or who this is you can call me at XXXX please help me with these three issues and get it off my credit report.Thanks
Product: Debt collection

In the response from resurgent capital services first and foremost they had their logo and or symbol in pursuant to 15 usc 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and Then they continued to attempt to collect this alleged debt, in pursuant to 15 usc 1692e ( 2 ) ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

After sending this they then sent a deceptive form that was a case with LVNV FUNDING LLC, the amount its stating on this deceptive misleading court order sates that the estate owed XXXX then resurgent is attempting to collect XXXX, in pursuant to 15 usc 1692e ( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. 

How can resurgent attempt to collect upon something in which they were not present furthermore me the natural living person am not obligated to pay any debt in pursuant to 18 usc 8 the moment I put down my credit card information my 9 digit numbers from their it was credited by the XXXX XXXX XXXX XXXXXXXX. 

They have violated many of my consumer rights within the FDCPA using false and misleading means and information to attempt to collect a debt and for the damages in which that have been done and the XXXX this company has caused I am holding them civilly liable in pursuant to 15 usc 1692k I demand {$1000.00} for each company as well as XXXX for the damages. send the remedy to the address below XXXX XXXX XXXX XXXX XXXX arizona [ XXXX ]
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX Has violated my rights, I recently looked at my credit report and noticed some things are incomplete and not accurate 15 U.S.C. 1681 refers to a section of the United States Code that deals with the Fair Credit Reporting Act ( FCRA ). The FCRA, enacted in 1970, regulates the collection, dissemination, and use of consumer information, including consumer credit information. The law is intended to ensure fairness, accuracy, and privacy in the collection and use of consumer credit information.

Key provisions of 15 U.S.C. 1681 include : Consumer Rights : Consumers have the right to access their credit reports, dispute incorrect or incomplete information, and seek damages for violations of the FCRA.

Obligations of Credit Reporting Agencies : Credit reporting agencies must follow certain procedures to ensure the accuracy of the information in consumer reports and must limit the use of these reports to permissible purposes.

User Responsibilities : Entities that use consumer reports ( such as creditors, insurers, employers ) must do so only for legally permissible purposes and must notify consumers when adverse actions are taken based on a report. 
Enforcement and Penalties : The FCRA is enforced by the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and private individuals who may bring lawsuits for violations.

The law is a critical component of U.S. consumer protection, particularly in the area of credit and finance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX is slandering my credit reports, claiming that I owe several thousands of dollars on a student loan THAT I NEVER TOOK OUT. I had APPLIED for a student loan with this company nearly 3 years ago for a XXXX XXXX XXXX XXXX course that I WAS going to take and I was approved for said loan ; however, there were MANY red flags about the online school that I was planning to enroll in, the most concerning of which was that I discovered they did NOT have the proper XXXX accreditation that was needed. Had I not completed a course that was XXXX accredited, I would not have been able to obtain employment as a medical biller/coder. Therefore, I immediately CANCELED my enrollment in this course and NEVER TOOK IT. However, for the past 2 years, XXXX XXXX XXXX XXXX has been falsely reporting to the credit bureaus every single month that I have not paid them and they continue to tack on illegal fees to inflate the balance. 

Launch Servicing is in direct violation of the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. They have been made fully aware that I DO NOT owe this debt, yet every month, this company is repeatedly communicating incorrect and defamatory information to third parties, including, but not limited to XXXX, Experian, and XXXX. This false reporting has reduced my once excellent XXXX score of XXXX to XXXX and it continues to drop as a result of these incorrect missed payments being reported monthly. 

As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages in that I am unable to obtain new credit and I was even turned down for a job that required a credit check as a direct result of this incorrect reporting. There are MANY complaints against XXXX XXXX XXXX relating to credit reporting/collections and even a lawsuit that was filed against XXXX XXXX  this year in XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 

I am now demanding the immediate and complete removal of this account from my credit reports. If your company XXXX XXXX XXXX XXXX XXXX ) fails to comply, you will be required to appear in a court of law and I will be allowed to seek monetary damages from your company.