23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX UNDER 15 U.S Code 1692G ( B ) I sent CAPITAL ONE FINANCIAL CORPORATION a VALIDATION OF DEBT FORM. I requested them in writing that they have 30 days from the receipt of the letter to send me the following information the name and address of the ORIGINAL CREDITOR, Documentation verifying the amount of debt including full detail breakdown of principal interest fees and other charges like the FINANCE CHARGE, PROOF that they are authorized to collect this debt on behalf the ORIGINAL CREDITOR and copies of any contract agreement related to the debt binding both parties. I requested the DEBT collector to CEASE COLLECTION of the debt and any CREDIT REPORTING TO THE BUREAUS or any dispute portion, until the DEBT collector obtains verification of the DEBT or a copy of judgment, or the name and address of the original creditor. I also ask for the response to be hand written back to me.
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


Experian Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account NameXXXX XXXX Account NumberXXXX Account Name : XXXX  Account NumberXXXX 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. 

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

A collection account from XXXX XXXX XXXX that was previously removed from my Experian credit file was re inserted onto my file. This account was included in chapter XXXX and should be not be listed as it was previously removed. This account is not collectible due to it being discharged
Product: Payday loan, title loan, personal loan, or advance loan

I applied for an XXXX XXXX ( XXXX ) on or around XXXX XXXX and was denied extension of credit. 

I received an adverse action notice shortly after and it stated XXXX discriminatory reasons of why I was denied. They included Serious delinquency, Ratio of balance to limit on bank revolving or other revolving accounts too high, Time since delinquency too recent, and number of accounts with delinquency. 

Being as though I applied in good faith with true information and I am not in default with PNC Bank, them denying my application for notes goes against the Federal Reserve Act, Equal Credit Opportunity Act, and also by them receiving my application for that specific dollar amount and not issuing my Federal Reserve Notes or returning my submitted application is Securities Fraud. I know this because my application is a negotiable instrument with my E-Signature, NAME, and Social Security Number so therefore I entered a Consumer Credit Transaction with PNC Bank. 

I responded to the adverse action letter via mail and it was received by PNC Bank on XXXX XXXX and also contacted the Executive Client Relations Specialist department by phone on Monday XX/XX/2024 to try to resolve this matter, but I was told they would not approve my application because of PNC Bank policy, when I informed them I'm applying in a lawful capacity ( Federal Reserve Act Section 16 part 2 & 15 USC 1602 part f & g ) Due to my rights to credit being violated I am being damaged financially and emotionally, also would like mediation to correct this matter and have my application denial reversed, and the amount requested on my application of XXXX USD issued to me immediately after settlement of this complaint.
Product: Credit card

ON OR AROUND XX/XX/2016, I APPLIED FOR A CHASE CREDIT CARD THROUGH THE INTERNET. MY CREDIT SCORE WAS XXXX AND ABOVE, I AM WELL ESTABLISHED ON THE JOB AND HAVE A STABLE CREDIT HISTORY. HOWEVER, BECAUSE THERE WAS AN ALERT ON MY CREDIT FILE, CHASE CONTACTED ME THROUGH THE U.S. MAIL TO INFORM ME OF THIS. THEY INFORMED ME TO CONTACT THEM VIA TELEPHONE TO VERIFY MY IDENTITY. I WAS TOLD THAT THE ALERT ON MY FILE WAS THE REASON MY CREDIT CARD WAS NOT APPROVED. AND THAT IF I UPDATED MY CREDIT FILE WITH CONTACT INFORMATION OR CONTACT THEM VIA PHONE TO VERIFY MY IDENTITY, THEY WILL APPROVE MY APPLICATION, AS THIS ALERT WAS THE ONLY THING DELAYING THE APPROVAL. I EVEN MAILED IN A COPY OF MY DRIVER 'S LICENSE AND SOCIAL SECURITY CARD. ON OR AROUND XX/XX/2016, I CONTACTED CHASE VIA PHONE, PROVIDED MY INFORMATION AND COMPLIED WITH AND PASSED THEIR SECURITY CHECK. ON OR AROUND XX/XX/2016, I RECEIVED A DECLINE OF MY CREDIT APPLICATION, STATING ITS BECAUSE MY CREDIT WAS PULLED TOO MANY TIMES. CHASE 'S REASON FOR NOT APPROVING MY CREDIT IS BIAS/DISCRIMINATORY, EGREGIOUS AND CAPRICIOUS. CHASE LEAD ME TO BELIEVE THAT IF I PROVIDED ALL MY SECURITY INFORMATION OVER THE PHONE, PROVING THEM WITH DATE OF BIRTH, SS #, MOTHER 'S MAIDEN NAME, BANK INFORMATION, COLLEGE ATTENDING ETC., THAT MY CREDIT APPLICATION WOULD BE APPROVED. HOWEVER I WAS LIED TOO. I BELIEVE I HAVE BEEN DECEIVED AND FURTHERMORE, MY CREDIT SCORE HAS BEEN LOWERED BECAUSE OF THEIR INQUIRIES INTO MY ACCOUNT DESPITE THEM ALREADY DECIDING NOT TO APPROVE MY CREDIT CARD APPLICATION. NOW, MY CREDIT IS DAMAGED FOR THE NEXT 2 YEARS AND IF I REAPPLIED FOR A CREDIT CARD WITH CHASE, MY CREDIT SCORE WILL BE LOWERED AGAIN. ALL OF THIS HAS CAUSED A NEGATIVE IMPACT ON MY CREDIT.
Product: Credit reporting or other personal consumer reports

I pleaded with XXXX and Experian to correct a dispute and I also address that there were two different Open dates and send me an updated report in 30 days. The Time now is way pass the 30 days by a few weeks and they failed to respond!
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

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

Statement Regarding Unauthorized Sharing of Personal Information To Whom It May Concern, I am writing to address a concerning issue regarding the unauthorized sharing of my personal information by XXXX XXXX  on my consumer report. This unauthorized sharing of information has come to my attention and raises serious concerns regarding the protection of my privacy rights and compliance with applicable laws and regulations. 

XXXX XXXX XXXX actions in sharing my personal information on my consumer report without my authorization are in direct violation of several laws and regulations designed to safeguard consumer privacy and ensure fair credit reporting practices. Specifically, these actions may contravene the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), Consumer Financial Protection Bureau ( CFPB ) regulations, and potentially state privacy laws. 

The FCRA mandates the accuracy, fairness, and privacy of consumer credit reports, including the permissible purposes for accessing and sharing consumer information. The unauthorized sharing of my personal information by XXXX XXXX may violate the FCRA 's provisions related to permissible purposes and the accuracy of consumer reports. 

Similarly, the XXXX requires financial institutions to protect the privacy and security of customers ' nonpublic personal information. XXXX XXXX XXXX unauthorized sharing of my information may breach the XXXX 's privacy requirements and regulatory standards set forth by the CFPB. 

Additionally, state privacy laws may provide further protections for consumer privacy rights and impose additional requirements on the collection, use, and sharing of personal information. 

I demand immediate action to address this unauthorized sharing of my personal information by XXXXXXXX XXXX and to rectify any inaccuracies or violations of my privacy rights on my consumer report. Furthermore, I expect XXXXXXXX XXXX to implement measures to prevent similar unauthorized sharing of personal information in the future and to comply fully with all applicable laws and regulations governing consumer privacy and fair credit reporting practices. 

Please provide confirmation once the necessary actions have been taken to address this matter and ensure the accuracy and privacy of my consumer report. 

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

Experian and XXXX are inaccurately reporting my payment history .. Ive tried explaining to them and provided proof .. the inaccurate payment history is affecting my credit in a negative way as i have maintained stellar payment history. XXXX correctly displays my stellar payment history.
Product: Vehicle loan or lease

On XX/XX/XXXX, I spoke with a representative XXXX at American Credit Acceptance. She assured me I wouldn't get reported late to my creditors and would document a hold for sometime so I wouldn't get a late payments on my credit report. Even with the momentary pause I still made payments, before the due date. Originally I had a pause on the account because of income loss due to covid, but XX/XX/XXXX is showing on my report. 
Now, I have months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX marked as late on my report. I paid each of those months and tried to speak with credit American Credit Acceptance and I'm getting told I will be contacted and I never do. The company has completely stonewalled me. When I've called to try and get my issues resolved I'm being put on hold for hours. These 4 payments should not be reported on my credit report as late. American Credit Acceptance has completely ruined my credit and they have a chance to make things right but instead prefer to give me the run around.
Product: Debt collection

Wakefield and Associates ... And... 
XXXX XXXX XXXX, XXXX These XXXX companies work together to collect payment for debts not owed. I paid XXXX not realizing until later it was not actually owed by my XXXX XXXX XXXX daughter, and are trying to get another one paid using XXXX as the creditor, however, they will not release the name original debt or why it went to collection without me getting a first bill. My child is not responsible for herself or her own debts and has signed nothing claiming to be. She is insured, and had a second insurance to cover all copays at the time. We are current patients of all doctors and hospitals we use. NONE of them have contacted me with an unpaid bill. I want them to stop contacting me, or my child that lives at home. They are a nasty company that bilked {$900.00} out of my mom, who has XXXX, for an XXXX XXXX that was covered by her insurance, and the aXXXX XXXX wrote off the copay already that Medicaid didn't cover. I feel these people get their accounts from Medicaid write offs, as I've not experienced them outside of a medicaid co-pay issue that was settled without going to collection. THEY ARE A SCAM. They are rude, they don't need people 's private information. How they legally operate is beyond me.
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX ) was place on my credit I never had XXXX  Ive contact the several times they found out it was. Fraud or identity theft they removed it from two of the credit bureaus but equifax still reporting it which is causing a negative impact to my credit
Product: Credit reporting or other personal consumer reports

In 2020 I deferred payments on my XXXX  XXXX XXXX mortgage per the federal CARES Act. At the end of the deferment, the loan was modified to place the missed payments at the end of my mortgage as a ballon payment. All terms of the modification were completed over 2 years ago. Experian is reporting that my XXXX XXXXXXXX XXXX mortgage is currently in a loan modification program. I disputed this with both Experian and XXXX XXXX XXXXXXXX XXXX XXXX XXXX is refusing to correct the report and is telling me they will continue to report the account this way until it is paid off in approximately 12 years. Experian is refusing to correct the report from showing as currently being modified to showing the account as previously modified. This is the only negative remark showing in my credit report, and despite having an XXXX XXXX I am being denied credit by XXXX XXXX due to this intentional misrepresentation of facts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint regarding inaccurate information on my credit report, which I reported to Experian on XX/XX/XXXX. Unfortunately, Experian has not responded to my inquiry, and the following discrepancies remain unresolved. I am seeking your assistance in rectifying these issues and ensuring compliance with federal law. 

The inaccurate information on my credit report is as follows : The information indicating a late payment for the accounts XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$280.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$510.00} ), XXXX XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$4000.00} ) is incorrect. I request Experian to remove the late payments associated with these accounts. 

The above accounts XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$360.00} ), COLLECTION ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00}, Original Creditor : COLLECTION ), COLLECTION ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} ) do not belong to me, and I request Experian to remove them from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM AWARE THAT TRANSUNION HAD A GLITCH IN THERE SYSTEM IN THE SUMMER OF XX/XX/XXXX AND AGAIN IN EARLY XX/XX/XXXX. I HAVE CONTACTED TRANSUNION AND SENT LETTERS ABOUT INQUIRIES THATS LISTED ON MY CREDIT REPORT THAT I DO NOT RECONIZE. THE INQUIRES WERE DELETED FROM THE CREDIT REPORT THEN LATER TRANSUNION ADDED THEM ALL BACK ONTO MY CREDIT WITHOUT GIVING ME LEGALLY REQUIRED WRITTEN NOTICE 5 DAYS PRIOR TO THE READDING THEM. I HAVE CONTACTED TRANSUNION IN GOOD FAITH TO HAVE THE INQUIRES AND NO LUCK I KNOW MY RIGHTS AND WILL NO ALLOW TRANSUNION TO VICTIMIZ MY TRANSUNION
Product: Student loan

I can't give you dates but multiple times I have tried calling Mohela you are put on eternal hold. The only time I reached someone I was told to apply for the PSLF which I did. 
You ask for a supervisor or tell them your story and all they can do is read a script they don't have any way of escalating your concerns to managers. THis is my fourth or five lenders and every time it is more money I owe. How is a XXXX XXXX XXXX able to XXXX  and enjoy life if this is stopping from getting an apartment at this time.
Product: Debt collection

Sterling credit contacted me yesterday stating i owe a debt that i have no knowledge about it at all and they told me if i didn't pay my kids will be taken from me and my house and the man call me a XXXX and say pay your bills right now .they said i owed {$6000.00} and i don't owe that .Who is this company that i don't know at all .I explain to them i dont know them or what this debt is and he still assist i did and told me they will call all day and night til they get there money its Covid and this a shame .They are calling from XXXX.Please have them leave me alone .They call everyday and all day.
Product: Credit reporting, credit repair services, or other personal consumer reports

While XXXX and XXXX have properly fixed this issue, XXXX has committed numerous FCRA violations starting with not even ACKNOWLEDGING the certified mailing disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern : I sent out letters on behalf of the accounts listed below for inaccurate information : XXXX XXXX XXXX  XXXX Account Ending XXXX XXXX XXXX Bank XXXX Account XXXX XXXX Department of Treasury Account Ending XXXX XXXX XXXX Bank Account XXXX XXXX XXXX Bank Account Ending XXXX XXXX  Account Ending XXXX  XXXX XXXX Account Ending XXXXXXXX XXXX XXXXXXXX Account Ending XXXX XXXX XXXX Account Ending XXXXXXXX XXXX XXXXXXXX Account Ending XXXX The Bank of XXXX I saw that 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Checking or savings account

Hello my name is XXXX XXXX XXXX XXXX and my complaint is about Us Bank XXXX XXXX. I have been sending them my info for account card id XXXX. I sent them my Id, Ssc, Signed statement and a W2 and its been over 5 weeks and my account is still locked with my unemployment within in it .I am going through enough hard times as it is for this to be happening .I called several times and faxed and I do not get any clear answers at all from them on why my account is locked and why I can't have my funds that were deposited at all. Is there anything you can do to resolve this issue. my number is XXXX my email is XXXX XXXX
Product: Debt collection

I am not liable for this debt with charter communications, I do not have a contract with LVNV FUNDING LLC, they did not provide me with the original contract as i requested. This is not a duplicate complaint this is a new complaint about a second account fraudulent reported by The same company.
Product: Debt collection

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX about the letter I received file number XXXX. I explained that the letter they sent me is ambiguous and does not talk to the notarized letter from XXXX that I sent in. She said they have no record. Not long after I was disconnected. I waited 30 minutes to speak with someone