23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Tried reaching out to company sent dispute request and proof of identity theft and have not received a follow up response from company. I have tried disputing this matter several times was informed to submit proof of identity theft and the issue still occurring has not been resolved. They are continuously reporting debt on my credit report and are not providing and proof of debt nor are they responding to my request about the matter after providing proof of identity theft. I have the letter and forms attached that I sent via fax, email and mail to this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

well I have inquiries on my credit report that do not belong to me, there are 13 inquiries, I have false names and addresses that do not belong to me as well as collections, I have called and disputed online, but it is very difficult because they do not know my right to dispute even my real name, telling me that the process went wrong and that it is 30 days, on the other hand that affects me having so much fraudulent information in my credit report
Product: Credit card

I had opened up a Military Star Card in XX/XX/XXXX. My last payment was XX/XX/XXXX. The Army and Air Force Exchange service contracted XXXX collection. They sent my account to the XXXX service. Through the XXXX service they collected XXXX in XXXX and XXXX in XXXX tax refunds. They have been garnishing my social security benefits for over a year and a half. This debt is not enforceable under both state and federal laws of the debt collection acts. Also the interest rates are incorrect due to them adding a higher rate than what was agreed to. This debt has been paid for and I have been over charged.
Product: Credit reporting or other personal consumer reports

MY NAME XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX ny XXXX todays date XXXX I looked and noticed on my credit report fraudulent inquiries I ask for these fraudulent inquiries to be immediately deleted and removed from my credit file I will list inquiries below thank you INQUIRIES : XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX 12 U.S. Code 5534 - Response to consumer complaints and inquiries 15 U.S. Code 1679c - Disclosures 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.Its been 25 DAYS DELETE INQUIRIES THANK YOU
Product: Credit reporting 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 : DPT EDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consumer XXXX XXXX, received a consumer report from TransUnion and noticed fraudulent accounts that I didn't consent to nor give written instructions to furnish on my report pursuant to 15 USC 1681b ( a ) ( 2 ). The fraudulent account is inaccurate and have affected my creditworthiness. Pursuant to 15 USC 1681 ( 4 ), the fraudulent accounts are an invasion of my right to privacy.
Product: Debt collection

I had a credit card through XXXX XXXX, which was charged off back on XX/XX/2015. It was a credit card for the store XXXX, which went out of business. My credit limit on this card was around {$300.00}. I have been dealing with Portfolio Recovery Associates,  LLC since then. I have tried to reason with them, stating that there is no way I owed {$1100.00}, as my credit limit was not that high. They have refused to discuss this with me. I just received a fraudulent credit card statement from Portfolio Recovery with a statement showing I owe {$1100.00}. This statement was fraudulently created by Portfolio Recovery. It shows on the statement ( attached ) that it's from XXXX, this is a complete lie and a fabricated document made by Portfolio Recovery. I demand this account be removed from my credit report and Portfolio Recovery investigated for their practices.
Product: Credit reporting or other personal consumer reports

I am raising this complaint against XXXX, Equifax, and XXXX for their ongoing failure to address inaccuracies on my credit report, even after multiple dispute attempts. These inaccuracies continue to harm my credit, and no adequate corrective action has been taken. 

This involves the following violations : FCRA 623 ( a ) ( b ) : The disputed account has not been marked as " disputed '' on my credit report, which is required under the law.

FCRA 605 ( c ) : The date of last activity is inaccurately reported and should reflect the last payment date, not the current reporting.

FDCPA 809 ( b ) : The company has failed to validate the collection account despite my formal requests, violating their obligations under the FDCPA. 

I am requesting that the CFPB investigate these violations and ensure that the credit bureaus take the necessary steps to correct the errors, properly mark the account as disputed, and validate the debt in compliance with federal laws.
Product: Credit reporting 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

They are so bad in this and is not only 1 I got trough this experience I wish I never had ... apparently there are people which are not competent to complete a background check with all my possible id I got including passport, driving license, national id front and back, immigration status and all that etc... very unprofessional and there is no one to discuss the actual problem because they won't connect you with anyone no less then 48H..
Product: Credit reporting or other personal consumer reports

I sent dispute letter XX/XX/2024 about deletion of XXXX XXXX still reporting on my credit report. The loan/lease is paid in full on XX/XX/2024. I have title to vehicle and verified letter of ownership. Attach included. I received letter from XXXX XXXX stating that I do not have enough information for deletion.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ACCOUNT IS IDENTITY THEFT AND REPORTING FRAUD ON MY CONSUMER REPORT.
Product: Credit reporting or other personal consumer reports

I recently visited my doctor for a surgical procedure that I need to live. I was directed to the finance department to weigh my payment options. I was refused the funding I need because of an error on my Equifax credit report. I was advised to resolve all errors before I could have my XXXX. I am under extreme stress as I can't eat without this XXXX. The error is as follows, US DEPT OF EDU account # XXXX. This account is reporting twice as a duplicate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and 15 US Code 1692e ( 2 ) ( a ) and ( b ), the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting 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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX, XXXX : # XXXXXXXX XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My account with XXXX & XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 60 days 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. 


XXXX & 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 or other personal consumer reports

My account with XXXXXXXX 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 XX/XX/year> 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. 


XXXXXXXX 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 or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

Hello. 

I was injured and called Kia/Hyundai and we agreed on a 2 month deferment. Meaning XXXX and XXXX Payments would be added to the back of the loan with no penalty besides interest. This would make my first payment due XX/XX/XXXX. 

The agent told me I was all set now they went and reported my payment 30+ days late even though I called 3-4 days prior to 30 day late mark! They assured me I would not have to worry about being reported delinquent. 

please help me Im desperate as this dropped my score XXXX  points after being told I had a deferral.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, XXXX submitted an incomplete remark regarding a " loan modification '', but did not indicate that it pertained to XXXX, causing my account to be flagged as a Loan Modification which dropped my score XXXX points. This submission of " historical data should NOT have had any affect on my score. This incomplete remark that XXXX submitted has caused me a lot of headache as I have had to fight them to take responsibility. I have attached proof that after XXXX XXXX  submitted the " Loan Modification '' remarks it dropped my score XXXX  points of which I have not recovered.
Product: Debt collection

I have never verbally spoken to this company or received any written documentation from XXXX XXXX prior to receiving the attached debt collector letter. I am aware that this is a violation of my rights. According to the FTC, a collector has to give you validation information about the debt, either during the collectors first phone call with you or in writing within XXXX days after first contacting you. Collectors are required by Fair Debt Collection Practices Act ( FDCPA ) to send you a written debt validation notice with information about the debt they're trying to collect. It must be sent within XXXX days of the first contact. 

Please see attachments ( letters )
Product: Credit card

In XX/XX/year>, I made a payment using a closed checking account and immediately realized my mistake. The payment was cancelled right away before it was processed and I made the payment using a different bank. Capital One restricted my account. They told me I had to submit documentation that the account was mine by providing an old statement. The bank could not provide a statement bc the account had been closed too long. I provided a copy of an old deposit slip bc I was told that would work. They now say thats only supporting documentation. I previously had used this acccount to make payments so that should be evidence it is mine but they require a statement that I am unable to provide. I paid the account off yesterday but over this period of time, they charged me almost XXXX in interest because without access to that credit, I could only afford to make minimum payments. It is my concern that Capital One randomly restricts accounts realizing that people can not afford to pay in full if they lose access to their credit. This has to be criminal. I have sent them various documents with that old account but unable to provide a statement over the past year. I have asked to speak to somebody in their legal department and I have asked for return of interest but am told nothing could be done until my account is no longer restricted which is impossible because I cant get a statement from a long closed account. I have been trying to resolve this for over a year with no success.
Product: Debt collection

I was giving a sum of {$100.00} of debt owe over the phone. When its reported {$560.00} on credit report via XXXX. Please Validate debt? Under the HIPPA Privacy Law. 

Under 15 USC 1681 section 602 A, states I have a 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. THERE ARE IN VIOLATION OF CONSUMER LAW AND PUBLIC LAW.
Product: Credit reporting or other personal consumer reports

Violations Of my Obligations Under the Privacy Rule. Santander Consumer USA with account # XXXX, opend on XX/XX/year>. Santander Consumer USA share my XXXX with non affiliated third-party without my exceptions creating actual damages to my credibility, Santander Consumer shares my payment history without giving me an " opt - out " notice explaining my individual rights to direct me not to share my NPI with XXXX nonaffiliated third-party, I am asking Santander Consumer to provide a copy of my privacy notice and, an " opt - out " notice that I have agreed upon on XX/XX/year>, therefore I am asking Santander Consumer to uphold there statuary obligations to share my transaction history.
Product: Debt collection

Im a victim of data breach and the information is not accurate. The Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act protect consumers from inaccurate or incomplete information on their credit reports. These laws give consumers the right to dispute inaccurate information and request that it be removed. Im requesting for it to be removed in five business days LVNV FUNDING LLC
Product: Debt collection

Got a call from a collector saying I owed money to Best Buy from XX/XX/2017. Yes I bought a tv and yes I paid it on a Best Buy credit card and yes I have all my on line receipts and yes its been paid off along time ago. Im thinking they got information from the breach that took place between XXXX through XXXX. Its not enough they called me but also my ex-husband with this debit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regard to the settlement from the Equifax data breach, which I was a victim of I received an email from the Equifax settlement to redeem a " shopping card '' that equals the amount I am owed. I DO NOT WANT a shopping card. This is a ridiculous way to settle a claim and expect that we should accept it. 

I refuse to accept a shopping card that requires me to submit all kinds of personal information, and then will track any purchases I make. I should not have to accept this form of payment for a settlement. What if I want to put that money in my savings account??? 

They need to send a check for the amount Equifax owes me. I will not be forced to give away my mailing and contact information to a XXXX  party and agree to a long list of terms so they can use my data and track my purchases.