23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, DEPT OF EDXXXX : # XXXX, XXXX XXXX XXXX # XXXX, XXXX : # XXXX has violated my rights.

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

I had checked XXXX on XXXX XXXX as I prefer to stay on top of my reports and I also checked on XXXX XXXX to find over XXXX inquiries that I did n't authorize. Nor is my signature on the inquiries. I only authorized XXXX I had called and spoke to numerous reps who just assume hang up on you or tell you repeatedly that they can not help you with the Inquires but also tell me no one was affected by the glitch when it was on all news channels even with proof in hand and they flat out refuse to connect you to a supervisor or anyone in the American offices to handle this matter per my request After 35+calls I gave up .None of the reps were remotely helpful or even knowledgeable some knew and some were quite belligerent and knew of the issue but just said sucks to be you
Product: Credit reporting, credit repair services, or other personal consumer reports

Bayview Loan Servicing , LLC has stolen my identity they are stating that I have a mortgage loan out with them since XX/XX/XXXX. They have not submitted a collateral accounting as I requested and they have not replied to a QWR that I have submitted to them certified mail XX/XX/XXXX. They are fraudulently trying to debt collect on a purported mortgage loan. They need to remove themselves from my credit report ASAP and they need to STOP sending me fraudulent paperwork. I expect you THE CFPB to handle this as they are still harassing me with fraudulent paperwork. I will be filing a complaint with the SEC .GOV as  well! This purported debt was rescinded and closed out by XXXX  XXXX XXXX a/k/a XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXXXXXX 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 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 XXXXXXXX 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

I sent a letter out to XXXX, XXXX XXXX Equifax XX/XX/2023. However it been more than 30 days and the credit bureaus failed to send my investigations back. This is not making sense. According to the law 15 U.S.code 1681 I Procedure in case of disputed Accuracy of any item information contained in consumer 's flie at a consumer reporting agency 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 file in accordance with paragraph ( 5 ) before the end of 30 day period beginning on the date.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Request for Verification and Removal of Debt Dear Equifax ACCCOUNT : XXXX XXXX XXXX XXXX open XXXX I am writing to formally dispute the accuracy of the debt referenced on my credit report, under account number [ Account Number ]. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to request verification of any debts reported to the credit bureaus. Specifically, I request the following : Verification of the Debt : Please provide detailed documentation to verify that I owe the stated amount, including any supporting records that demonstrate the debt is mine. This should include the original contract or agreement, signed with a wet ink signature, which demonstrates my obligation to the debt. 

Itemized Billing Statements : I want to clarify that an itemized billing statement alone is not considered sufficient proof of a debt under the FCRA. As per 15 U.S.C. 1681, I request documentation that includes the original signed agreement.

Additionally, I remind you that under 15 U.S.C. 609 ( a ) ( 1 ), I am entitled to request verification of any information being reported. If you are unable to provide the original signed contract and proper verification of the debt, I request that you remove this item from my credit report and delete any reference to this debt from your records, as required under the FCRA. 

Please respond to this dispute within the timeframes set forth by the Fair Credit Reporting Act ( 30 days ). If I do not receive satisfactory verification of the debt within this period, I will consider this matter resolved and request that you remove the negative information from my credit file. 

Thank you for your prompt attention to this matter. I look forward to receiving your response with the requested documentation. 

Sincerely, XXXX XXXX Enclosures : Copy of Credit Report showing disputed debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Bureau, I am a victim of an Identity Theft and this is my official statement for dispute. I have an account on my credit report which doesn't belong to me. I enclosed in this letter an Identity Theft report and notarized Affidavit proving that this account was opened due to fraudulent actions. I am also attaching to this letter a copy of my Drivers License and a copy of my SSN to verify. 

Please remove this account or let me know what else I should provide you. 

Name of the account : XXXXXXXX XXXXXXXX XXXXXXXX It was opened on : XX/XX/2018 This account was closed by letting the lender know that this account doesnt belong to me. But unfortunately at that time the account was transferred to the fraud department. This account is not mine, please remove it from my credit report. Thank you very much for your consideration and I'm waiting for the good news soon.
Product: Debt collection

Pulled my credit report on XX/XX/XXXX, and saw that Midland Credit Management placed a collection account on my credit report. I have not received any communication from this company regarding this debt or any opportunities to dispute it. I do believe that the law states that I have the right to be notified of a debt prior to it being placed on my report and given the option to dispute within 30 days of receiving that communication. Midland Credit Management has not attempted to provide me any written communication regarding this debt. The practice of placing collections on accounts without any notice is illegal and this company should be held responsible for its actions. This collection claims to have been opened in XX/XX/XXXX, yet, this is the only time I have been made aware of this. I also placed a call to XXXX XXXX, the so-called original creditor, to see what this debt is and they were unable to find any account of mine that has not been paid off already.
Product: Money transfers

This is an incredibly long story that I am happy to share in full via telephone, but due to cognitive disorders typing is a very long process for me. Basically, I sold an item on Ebay ( eBay item # XXXX ) last month ( XXXX XXXX, 2016 ), Ebay said the item was paid for the next day, so I shipped it, but never received the money via Paypal, which was how the funds were supposed to be transferred. The money was transferred from Paypal back to the buyer, who was refunded in full. Paypal and Ebay, after numerous phone calls to both companies, both refuse to help me by claiming it is entirely the other company 's fault and there is nothing they can do. In my last call with paypal, a senior manager suggested i simply chalk up my loss as the cost of doing business ; in my last call with Ebay just now, they said I should file an internet fraud cast against the buyer! While this lack of payment is in no way the buyer 's fault, the buyer has ceased responding to me as of a couple weeks ago, which means I can no longer resolve this matter seller-to-buyer directly. What do I do? Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

An old collection has not been removed from all of my credit reports. A debt for XXXX from XXXX XXXX XXXX was removed from my XXXX report earlier this year, but it still appears on my XXXX and Experian. It should be removed from all 3.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX I took out a loan for {$2500.00} at First Franklin Financial in XXXX, Alabama. The balance on that date was XXXX. I made payments until XX/XX/XXXX when I made a payment of {$1500.00} in order to try and get the loan paid off quickly. My balance was then {$480.00}. My payment was paid up until XXXX of XXXX and my payment is due on the XXXX of the month in the amount of {$120.00}. I mailed a check to them on XX/XX/XXXX for {$120.00}, earlier than the due date of the payment. When I checked the balance on my account, every cent of the amount I paid toward my balance was applied toward " interest '' and " PL fees '' and {$3.00} for mailing a payment to them. XXXX was put toward my balance, which is now {$480.00}. I feel that this is unethical and is taking advantage of people who are trying to pay off their debts. I had planned to have this loan paid off in full by XXXX, but if they are only going to put XXXX toward my balance each month, I will never have it paid off!! I had told them when I paid the {$1500.00} that they caught me up until XXXX of XXXX and they better not charge me any interest during that time. How can a loan company expect you to pay your loan off when they are only taking XXXX from your balance, even when you pay it IN ADVANCE OF THE DUE DATE? I feel that this is very unethical and probably in violation of the Fair Debt Practices Act. I am also filing a complaint with the Federal Trade Commission. I would like for this matter to be looked into and this company held accountable for charging such ridiculous fees for someone who has been paid up and has paid their monthly payment early. They are now showing my payoff at {$520.00}. How can this be correct, and fair to me as a consumer?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 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. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My personal information was used without my consent or knowledge. I have disputed the incorrect items with the credit bureaus and the creditors. Neither have ever shown, or sent me any proof that these were mine, no contracts or signatures. The items I want removed for fraud are XXXX XXXX XXXX  ( acct # XXXX ), XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX ( acct # XXXX ) and XXXX XXXX ( acct # XXXX ).
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issue regarding Incorrect personal information on my credit report. Despite multiple attempts to dispute these fraudulent information with XXXX, my requests have been disregarded. 



These addresses and information was placed on my credit report from accounts that was fraudulently placed on to my consumer report. 

Incorrect Name - XXXX XXXX XXXX Incorrect DOB - XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX EMPLOYER - XXXX XXXX
Product: Debt collection

After reviewing my credit report, I found accounts that I believe were added in error or fraudulently. Please remove and block these accounts promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.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. 

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 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

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

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

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXXXXXXXXXX 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 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: Money transfer, virtual currency, or money service

I was contacted by a company called XXXX XXXX XX/XX/2017. I was hesitant but I was also overwhelmed with the amount of school loans I owe. I thought going to college would better my future and the only thing it has brought me to date is more debt and extra stress. Being a young woman trying to make a way for herself, I was easily fooled into believing that XXXX XXXX would be a great way to pay off my school loans. I did my research to see if it was a scam or to see if i saw anything negative about the company. I did not find anything negative. Being that I don't have many family members to ask questions about college I just trusted that I was doing the right thing. After signing the contract and being told I was on the {$0.00} dollar payment plan I was excited that I was able to pay off my school loan at a great price. Not putting the pieces together & realizing If i was eligible for the {$0.00} payment, why was I having to pay {$49.00} a month? I was told I did not have to pay till XX/XX/2017. After a month from XXXX, I realized there was a charge added to my Credit for Equitable Acceptance in the amount of {$1500.00}. Which I was NEVER told there would be an additional charge added to my credit on top of my original school loan. Confused & Worried I contacted Equitable Acceptance with my concerns. I was told that after a while the original school loan will drop off but i have to pay the full amount of {$1500.00} in order for my loan to be completely gone from my credit. I also contacted XXXX XXXXXXXX my original Loan provider which told me they do not deal with Equitable Acceptance and that there was nothing that could be done from their end. Knowing that I was in a contract just paid the {$49.00} per month on time just to avoid any negative marks on my credit hoping that eventually my original loan would start to go down. Here we are a year later and I still owe the school the original amount, while also paying Equitable Acceptance for 3 years is insane!. I was contacted the end of XXXX by XXXX XXXX stating I had to re-enroll. Which raised a red flag for me and i started doing my research again. After speaking to a few different people and contacting XXXX XXXX my original school Loan provided I was guided into this direction. I am a hard working women just trying to make a way for myself. Regardless of what was told on the phone it's obvious they have fooled many other college students. This must be a new company because now the reviews are numerous and its all the same exact story. When you get the original call from XXXX XXXX they state this is a " STUDENT FORGIVENESS PROGRAM '' any person can make the mistake of believing your loan will be forgiven.I was never once informed on the phone after the 3 years you will still have to pay your original loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting inaccurate items on my credit report ... on account number XXXX it states in TransUnion that i opened this account on XX/XX/2020 but yet XXXX and XXXX  states it was open on XX/XX/2020 therefore due to that error this must be DELETED from my credit report immediately...
Product: Credit card or prepaid card

On XX/XX/XXXX I made a purchase for XXXX from a company called XXXX. The clothing was delivered on XX/XX/XXXX. Per their policy, you have 14 days to return. The clothing did not fit so I contacted them on XX/XX/XXXX in three different ways by chat, instant message, and by ticket on their website. On XX/XX/XXXX the company responded by asking for the SKU number and pictures of the clothing, on the same date I responded by providing the information. Instead of providing what I requested which was the return address the company offered me a XXXX XXXX refund on XX/XX/XXXX. I responded to the next date again XX/XX/XXXX declining the offer, since the clothing did not fit. Again placing in my email, I wish for a return/refund. Two days later XX/XX/XXXX XXXX responded offering me a XXXX XXXX  refund and suggesting that I give the clothing away to family and friends. I responded the next date XX/XX/XXXX explaining I did consider however again I would prefer a return/refund. On XX/XX/XXXX responded by offering me XXXX XXXX refund and keep the items. By this time I was frustrated however on XX/XX/XXXX responded by agreeing to that offer. That same date XXXX responded " We can not process a return request or refund since I did not contact them within 14 days. The clothing was delivered on XX/XX/XXXX, I contacted XXXX on XX/XX/XXXX. Bank of America did not protect me or my funds as a consumer even after providing the proof. Bank of America responded that I should reach out to the merchant again, even after over XXXX past messages to XXXX. I then reached out to BOA for further explanation the supervisor XXXX XXXX ( XXXX stated that the card provider Master Card denied my claim! I contacted Master card spoke to a supervisor XXXX XXXX and he advised that the information was inaccurate however no noteworthy help on that end either. BOA allowed an online company to take my funds.
Product: Credit reporting or other personal consumer reports

Loan amounts do not match across credit reports and are all inaccurate. 
Loan balance is inaccurate. 

The open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal.. This company have also violated my rights under 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
Product: Debt collection

This account was placed on a payment plan. I contacted XXXX to inform them I was a victim of identity theft and I am waiting on new cards. The following month, I paid the balance off in full. I am not receiving non stop calls from a collection agency harrasing me to paid a debt that has been paid in full! Authorization code is : XXXX
Product: Credit card

Started to dispute a charge on my with citi credit card. 
Received a follow up letter from Citi Credit Card, I answered by fax, email and mail to the 1st letter follow up along with all the required documentation to ..substantiate my dispute Dispute was declined, citi alleged that they did not receive a response to their request.
Product: Mortgage

My mortgage was sold from my long-time servicer, XXXX XXXX XXXX, to PNC Mortgage. I received my first notification on XXXX XXXX, 2016 that as of XXXX XXXX, 2016, they would be servicing my mortgage. I was unable to pay on XXXX XXXX, 2016 because none of the accounts were set up. Finally, on XXXX XXXX, 2016 I was able to make my mortgage payment. On XXXX XXXX, 2016, I made a {$350.00} payment to principal which was never credited. I called on XXXX XXXX, 2016 and I was told it would be corrected. I just received a letter that the {$350.00} was applied to the XX/XX/XXXX mortgage and I owed an additional {$170.00}. My friend who is an accountant suggested I pay online to avoid this. I went to the PNC website and they charge for paying online. In my 18 years of making mortgage payments, I have never had anything like this happen. I can see that I am being set up to go into default! I can not believe what PNC is doing is legal.